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Auslandsüberweisung

Best money transfer for expats in Germany, 2026.

Banks lose you 4 percent on FX. The right transfer provider gets your salary home at the real exchange rate.

4 providersVerified monthlyRefreshed May 2026
4 results
Our pick
Wise logo

Wise

Londonsince 2011

Real exchange rate, transparent percentage fees. From 0.48% per transfer. Best for sending salary home in 50+ source currencies.

Best for Mid- to large-amount remittances at the mid-market rate

  • 1d setup
  • English
  • Mobile app
  • No SCHUFA
12-month total
Free
Setup
Free
Monthly
Free
cheapest
Visit Wise
Remitly logo

Remitly

Seattlesince 2011

Fast remittance with cash pickup in India, Pakistan, the Philippines, and 100+ countries. 0.5–3% FX markup.

Best for Cash pickup in South Asia and Southeast Asia

  • 1d setup
  • English
  • Mobile app
  • No SCHUFA
12-month total
Free
Setup
Free
Monthly
Free
cheapest
Visit Remitly
Revolut logo

Revolut

Londonsince 2015

Free transfers between Revolut users worldwide. Competitive rates on weekdays, weekend FX markup applies.

Best for Sending to other Revolut users

  • 1d setup
  • English
  • Mobile app
  • No SCHUFA
12-month total
Free
Setup
Free
Monthly
Free
cheapest
Visit Revolut
Instarem logo

Instarem

Singaporesince 2014

Zero-margin FX for popular South Asian and Southeast Asian corridors. Best for small amounts to major currencies.

Best for Small transfers to India and the Philippines

  • 1d setup
  • English
  • Mobile app
  • No SCHUFA
12-month total
Free
Setup
Free
Monthly
Free
cheapest
Visit Instarem
Quick tool

How much will arrive home at the ECB rate?

Live ECB rate

EUR → your currency

2026-06-12
USD
You get
578.35USD
1 EUR = 1.1567 USD · ECB reference
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Notebook with handwritten questions
FAQ

Asked & answered.

2 auslandsüberweisung questions.

Wise is the consistent winner for mid- to large-amount transfers (from 0.48% fee). For small amounts to India or the Philippines, Instarem and Remitly often beat Wise on the total cost.
Almost never. German banks charge 3 to 5 percent on FX, plus a 10 to 25 euro flat fee. Wise and Instarem both clear under 1 percent for major currencies.