Best for: Small, occasional transfers where both parties already have PayPal — unmatched convenience
Setup fee
Free
Monthly fee
Free
Setup time
Instant sign-up; link bank account for full functionality
Languages
EN, DE, FR, ES, IT, PT, ZH, JA
Mobile app
Yes (4.7/5)
Free
Who can use PayPal?
| Requirement | Status | Notes |
|---|---|---|
| nationality: non eu | Accepted | Available to all |
| nationality: eu citizen | Accepted | — |
| visa type: student visa | Accepted | — |
| visa type: job seeker visa | Accepted | — |
| language: no german required | Accepted | Full English |
| credit check: schufa not required | Accepted | No SCHUFA needed |
PayPal is the world's most recognized digital payment platform. While not the cheapest for international transfers (3-4% total cost), it's unbeatable for convenience — both sender and recipient likely already have accounts. Buyer protection adds an extra layer of safety.
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Anyone sending money internationally who wants the best exchange rate and full transparency
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