Send money to Germany from the UK
Send money to Germany securely with competitive GBP/EUR exchange rates, no transfer fees, and expert support from currency specialists.
Send money to Germany securely with competitive GBP/EUR exchange rates, no transfer fees, and expert support from currency specialists.
£65bn transferred since 1996
Fully regulated in the UK and the EU
Expert guidance and 24/7 customer support
Rated Excellent on Trustpilot
Sending money to Germany is simple. With Currencies Direct, you can create a free account, agree your exchange rate and make your transfer in just a few steps. Once we've received your funds, we'll convert them into euros and send them securely to your recipient's German bank account.
Register online or open an account over the phone. Our team is here to guide you through the process if you need help.
Choose when to transfer your money and secure your exchange rate online, or speak to your dedicated account manager for expert guidance.
Send us your funds via bank transfer, debit card or wallet balance. We'll convert your money and send it securely to your chosen account.
The cost of sending money to Germany depends on the interbank exchange rate at the time of your transfer, the exchange rate offered by your provider, and any margins or fees added to the transfer.
The exchange rate you get from your provider determines how many euros you’ll receive for your pound-to-euro transfer. Currency specialists tend to offer better rates than high-street banks, and it's often good to shop around.
Some providers may charge a fee for your transfer to Germany, which could be a set amount or percentage-based. German banks sometimes charge their own inbound receiving fees, which can also add to the cost.
Currency markets are always moving, so the timing of your transfer can affect how many euros you get for your pounds. For example, the GBP/EUR exchange rate reached highs of €1.21 and lows of €1.13 through 2025. This could mean an €8,000 difference on a £100,000 transfer.
Exchange rates change constantly. Check the latest GBP to EUR interbank rate before sending money to Germany and see how market movements could affect your transfer.
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The exchange rates quoted in this section are based on the interbank rate. This gives you an accurate view of market performance, but it’s important to note that we cannot offer customers these rates – no provider can. Some companies advertise the interbank rates only to add on extra fees when you transfer. We buy currency at the rate banks use between themselves, rates not available to everyday businesses or individuals. We add a small increase to that rate, payable by the customer – that’s how we make our money. Customers also receive expert support throughout their transfer. If there are any additional charges, these will be made clear to you.
As a specialist currency provider, we combine competitive exchange rates with expert guidance to help you get more from your transfer. Whether you're sending a one-off payment, transferring a large sum or setting up regular payments, we'll help you find the right solution.
Get competitive GBP/EUR exchange rates with no transfer fees, helping more of your money reach its destination.
Your own dedicated currency expert is on hand to answer questions, explain your options and provide market guidance whenever you need it.
Send money to Germany with confidence. We’re authorised by the FCA and the Bank of Spain in the EU. Your funds are safeguarded, and your transfer is handled securely from start to finish.
Whether you're making a one-off payment or setting up regular transfers, we offer flexible solutions tailored to your needs, such as forward contracts and automated payments.
Banks tend to offer less competitive rates, charge higher fees and offer limited support or services. You could get a much better deal using Currencies Direct.
The table below highlights some of the key differences between using a specialist currency provider and a typical UK bank for sending money to Germany.
|
|
Currencies Direct |
Typical high-street bank |
|---|---|---|
|
Transfer fee |
£0 |
May apply |
|
Exchange rate |
Competitive specialist rates |
Exchange rate may include a larger margin |
|
Payment route |
Uses local payment networks, which can help avoid receiving fees |
May use UK-based payment networks, which can trigger inbound charges |
|
Personal support |
Dedicated account manager |
Usually limited |
|
Best for |
International money transfers |
General banking services |
“Exchanged several thousand GBP into EUR between my UK and German bank accounts. Went with CurrenciesDirect after shopping around, as they offered the best rate. My client account manager, Grace Hood, was helpful throughout.” – Chris
Read the full review on Trustpilot
“Currencies Direct were exemplary. They gave a clear picture of the process from start to finish and all proceeded exactly as they described. The Account Manager Germaine was in all senses our guide and mentor, showing just the right degree of contact and assistance, making what was an unfamiliar task straightforward and hassle-free. A truly personal service. Thank you.” – Christopher Peel
Read the full review on Trustpilot
People send money to Germany for all sorts of reasons, from buying property and relocating overseas to supporting family or covering everyday expenses. The reason for your transfer can influence the amount you send, how often you transfer money and the services that best suit your needs.
Buying a property in Germany often involves large sums and fixed payment deadlines. Planning ahead and having a currency expert on hand can help you manage your currency transfers around key dates in the purchase process, including payments arranged through your German notary.
If you're relocating to Germany, we can help you transfer pensions, savings and other regular payments. Whether you’re covering everyday living costs or moving your finances overseas, we offer flexible transfer options and ongoing support.
Send money to family or friends in Germany quickly and securely. Whether you’re helping with living expenses, education costs or a one-off payment, you can make transfers online or through our app 24/7, giving you the flexibility to send money whenever it’s needed.
Buying a property, moving savings or transferring an inheritance to Germany often involves sending a significant amount of money overseas.
Larger transfers may require additional checks, such as providing proof of identity or source of funds information, so preparing in advance can help avoid delays.
Exchange rate movements can also have a bigger impact when transferring larger sums, while planning ahead gives you more flexibility around important payment dates, such as completing a German property purchase.
Large transfers may require additional checks, so having your identification and source of funds information ready can help keep your transfer on track.
Whether you're completing a property purchase or moving savings overseas, starting the process early gives you more time to consider your options and choose when to transfer.
Tools such as forward contracts, rate alerts and market orders can help you manage exchange rate risk, which can be particularly valuable when sending large amounts of money overseas.
If you're living in Germany or managing ongoing costs there, setting up regular payments can make it easier to stay on top of your finances.
Whether you're transferring a UK pension, paying a German mortgage or covering recurring local costs such as property tax (Grundsteuer), building fees and utilities, automated transfers can save time and reduce the need to arrange each payment manually.
With regular payment plans, you can schedule transfers to suit your needs and explore options that help you manage future exchange rate movements.
Set up recurring transfers to Germany on a schedule that works for you, helping you manage regular expenses without arranging each payment separately.
Regular transfers can help cover mortgages, pensions, property taxes, utilities and other ongoing euro payments.
Forward contracts can help customers fix an exchange rate in advance, giving greater certainty when budgeting for regular transfers.
To send money to a bank account in Germany, you'll usually need the recipient's details, the amount you want to transfer and, in some cases, additional information to meet regulatory requirements.
The recipient's full name
Their German IBAN (International Bank Account Number), which starts with ‘DE’ followed by 20 digits
The name of their bank (and BIC/SWIFT code if required)
The amount you want to send
A payment reference (if applicable)
Proof of identity
Evidence of the source of your funds
The reason for your transfer
Good to know: We send eligible euro transfers to Germany through local payment networks (SEPA) rather than relying on traditional SWIFT transfers. This can help your money reach the recipient more efficiently and may reduce the risk of additional receiving fees being charged by the recipient’s bank.
Your security is our priority. We have measures in place to keep your funds safe, and we’re here to help you protect yourself from fraud. There are important steps you must take to protect yourself from fraudsters, including checking that your payee is genuine and that their account details are correct.
Ready to send money to Germany? Open a free Currencies Direct account in minutes to access competitive exchange rates, specialist transfer tools and support from a dedicated currency expert.
The best way to send money to Germany depends on how much you’re sending, how quickly you need it to arrive and whether you need ongoing support. For many UK-to-Germany transfers, using a specialist currency provider can offer competitive exchange rates, low or no transfer fees and dedicated support compared with a typical high-street bank.
For larger transfers, such as buying a property or moving savings to Germany, a specialist provider can also offer tools such as forward contracts and market orders to help you manage exchange rate movements. If you're buying property overseas, read our guide to the best way to transfer money when buying property abroad for more information. For regular payments, such as pensions, mortgages and household bills, setting up automated transfers can make managing ongoing costs easier.
With Currencies Direct, you can send pounds to a German bank account in euros, with no transfer fees and support from a dedicated currency specialist.
Once we’ve received and cleared your funds, transfers to Germany are often completed on the same day. Depending on the payment method, recipient bank and time of day, some transfers may arrive on the next working day.
We don’t charge transfer fees. The overall cost of your transfer depends on the exchange rate you secure when converting pounds to euros.
The cheapest way to send money to Germany is usually the option that gives you the most euros for your pounds after all exchange rates and fees have been taken into account. A transfer advertised as having no fee may not be the cheapest if the provider applies a larger margin to its exchange rate.
To compare the total cost of sending money to Germany, check the exchange rate you’ll receive, any transfer fees and whether the recipient’s German bank could charge an incoming payment fee. For larger transfers, even a small difference in the exchange rate can have a significant impact on the amount received.
Currencies Direct charges no transfer fees and offers competitive GBP/EUR exchange rates, helping you keep more of your money when sending pounds to Germany.
You'll typically need the recipient’s full name, their German bank account details (including their IBAN), and the amount you’d like to send. For larger transfers, we may also ask for proof of identity or the source of your funds as part of our regulatory checks.
Yes. Currencies Direct is authorised by the Financial Conduct Authority in the UK (Firm Reference Number 900669) and the Bank of Spain in the EU (registration number 6716). Client funds are held in safeguarded accounts, and we use bank-level security measures to protect your transfers. Read our security of funds page for more information.
Yes. Whether you’re transferring savings, making a property payment or moving an inheritance, we can help you send large sums securely. You’ll also have access to a dedicated account manager who can guide you through the process.
Yes. You can arrange regular transfers for German mortgages, pensions, utility bills or other recurring payments, helping you automate your finances and reduce admin.
The exchange rate available to you depends on market conditions at the time of your transfer. You'll always be shown your rate before you confirm your transaction, and you can also speak to one of our currency specialists about your options.
Yes. You can send euros to most personal and business bank accounts in Germany, provided you have the correct recipient details.
You don’t generally need to declare a transfer simply because you’re sending money to Germany. However, German residents may need to report certain cross-border payments exceeding €50,000 to the German Bundesbank under Germany’s Foreign Trade and Payments Ordinance (AWV). Exemptions apply. For details, see the Bundesbank’s guidance on cross-border payment reporting.
Yes. We regularly help customers transfer funds for property deposits, completion payments and legal fees, including payments to a German notary.
Yes. If you need to send money at a future date, a forward contract lets you secure a GBP/EUR exchange rate in advance. This can help you manage the impact of exchange rate changes, which can be particularly useful for planned payments such as a property purchase, large transfer or regular payments.
