Send Money to Germany from the UK – Low Fees & Fast

You will need the recipient's bank account number, IBAN, BIC, bank name, and email address. Some providers may ask for more account details when you make your first transfer.

Yes. Most services accept debit cards, credit cards, and bank transfers for payments. Some also accept Google Pay or card details saved from your account.

Use services that have reasonable rates and clearly list all costs from the beginning. Avoid hidden fees and extra charges on exchange rates that banks commonly apply.

The fastest way is to use a card transfer or a bank card on a website. Usually, the money gets there by the next working day.

All the providers listed on Free Price Compare are safe and follow regulations. They keep your personal data secure, as well as the amounts you transfer and your account details.

Are there any limits or restrictions on how much money I can send to Germany from the UK?

Most providers allow you to send between £1 and £50,000 in a single transfer. However, some services may require ID verification or additional documentation for higher amounts. UK residents must also comply with financial regulations such as anti-money laundering checks. If you’re sending business payments, the limit might be higher depending on the provider and the recipient’s country.

Yes. All international payments to Germany require an IBAN and BIC/SWIFT number. These details ensure your transfer is routed correctly through the SEPA system. Some providers may also ask for the recipient’s email address or bank name so they can send delivery updates.

Most regulated providers show fees upfront, including the exchange rate, transfer fees and expected delivery time. They also display a personalised estimate showing the exact amount of money your recipient will receive. This helps you avoid hidden fees.

Yes. International transfer providers must be authorised by the Financial Conduct Authority (FCA). FCA regulation ensures secure handling of personal details, online banking information and card payments, giving you greater protection and peace of mind.

Transfer speeds vary by method. Debit card payments are usually the fastest, while bank transfers typically arrive the same day or the next working day. Providers often display the international transfer duration before you confirm, so you know when the funds will be delivered.

You will need the recipient’s name, their international bank account number (IBAN), BIC/SWIFT code and the bank name. Some providers may also ask for their email address for email transfers or confirmation messages.

Each provider sets different fees depending on the delivery method, payment type and exchange rate. Some offer a flat fee, while others include extra fees inside the exchange rate markup. Comparing providers helps you find the cheapest option for your transfer.

Yes, most providers base their pricing on the wholesale rate (mid-market rate). The final rate you receive may differ depending on the provider’s margin. Checking several FX services ensures you avoid hidden charges and get a fair rate for your foreign currency transfer.

Yes. Many providers allow you to fund your transfer using UK online banking with your sort code and account number. This is often the cheapest option, as it avoids card-related extra fees.

Some transfers may require extra security checks, especially for large amounts or new customers. Providers may verify your identity, ask for documentation, or request additional account details to ensure compliance with financial regulations.

Yes. All major providers support EUR transfers to local bank accounts across Germany using SEPA. This is the most reliable delivery method and usually offers the lowest overall transfer cost.

Many FCA-regulated providers offer real human help via phone, email or live chat, which can be useful for larger transfers or first-time users.

Yes. Most UK banks charge higher international transfer fees and offer weaker exchange rates compared with specialist money transfer providers. Banks may also add extra SWIFT fees, which increases the total cost.

SEPA transfers (EUR-only) are usually cheaper and faster because they follow standard EU rules. SWIFT transfers may pass through intermediary banks and often include additional fees.

Yes. Transfers made on weekends, UK bank holidays, or German public holidays may not be processed until the next working day. Card-funded payments may be accepted instantly, but the receiving bank will only post funds during business hours.

Many providers support scheduled or recurring transfers. This is useful for rent payments, tuition fees, mortgage instalments or supporting family members. Once set up, payments repeat automatically on your chosen date.

For standard EUR bank transfers, the recipient does not need to take any action. The funds deposit directly into their bank account. For cash pickup, they must bring a valid ID and the reference number.

Yes. Some providers allow transfers in GBP, USD or other currencies, but EUR is usually the cheapest option because it avoids extra conversion fees charged by the receiving bank.

Look for a rate as close as possible to the mid-market rate. Even small differences in the rate can significantly change how much your recipient receives, especially on larger transfers.

Large or high-risk transfers may require proof of funds to comply with anti-money-laundering regulations. Documents such as bank statements, payslips or invoices are sometimes needed for verification.

Most money transfer providers offer real-time tracking through their app or email notifications. You can see when the money is processed, converted and delivered to the recipient’s bank.

Personal transfers like gifts or family support are generally not taxed. Transfers related to business, property purchases or inheritance may require documentation depending on the circumstances.