Live offers across tracked providers in Germany — updated daily from the Giraffy database.
20 live offers compared from 20 providers. Updated daily.
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Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
An international money transfer service moves funds from an account in Germany to a recipient abroad, converting euros into the destination currency along the way. These services are used to support family overseas, pay for property or study abroad, settle invoices in foreign currencies, or move savings between countries. Within the eurozone and the wider SEPA area, euro transfers are cheap and standardised, but sending money in another currency involves an exchange rate and, often, a fee.
Specialist providers compete with banks by offering rates close to the mid-market rate (the true interbank rate) and transparent charges, which can make them markedly cheaper than a traditional bank transfer for currency conversions.
Domestic and euro-area payments run over SEPA using your IBAN, and these are typically fast and low-cost. For cross-currency transfers, a competitive market of fintechs and brokers operates in Germany alongside the banks. Digital providers such as Wise, Revolut and Remitly DE focus on speed and app-based transfers, while foreign-exchange brokers like TorFX, OFX and Atlantic FX Germany cater to larger transfers and can offer dealer support and rate tools. Azimo DE and XE Transfer DE round out the online options.
The key difference between providers is how they price the exchange rate. Banks often build a margin into the rate itself, whereas transparency-focused services quote the mid-market rate and charge a visible fee, so comparing the total cost, rate plus fee, is essential. Delivery speed ranges from minutes to a few business days depending on the currency and payout method.
Better exchange rates — specialists price close to the mid-market rate, reducing the hidden margin banks often add.
Transparent fees — the cost is shown upfront as a clear rate and fee rather than buried in the conversion.
Speed — many transfers to major currencies arrive within minutes or the same day.
Multiple payout options — bank deposit, and in some corridors cash pickup or mobile wallet, are available.
Rate tools — brokers offer features like locking a rate in advance for larger or planned transfers.
Always compare the total cost of a transfer, not just the advertised fee, because a low fee paired with a poor exchange rate can be more expensive overall. Check the rate offered against the mid-market rate on the day to see the true margin. Consider the amount you are sending: fintech apps are excellent for smaller, frequent transfers, while dedicated FX brokers can add value on large one-off sums through better pricing and personal service.
Confirm delivery speed for your specific currency corridor and payout method, and check any minimum or maximum limits. For recurring payments, look at whether the provider supports standing transfers. Finally, verify that the provider is properly authorised and that funds are safeguarded, which matters most for larger sums.
Wise — known for mid-market rates and transparent per-transfer fees across many currencies.
Revolut — an app-based account with fast transfers and in-app currency exchange.
TorFX and OFX — foreign-exchange brokers geared to larger transfers with rate tools and support.
Remitly DE and Azimo DE — digital services focused on remittances with various payout methods.
Atlantic FX Germany and XE Transfer DE — online FX and transfer providers serving German customers.
The cost of an international transfer has two parts: the exchange-rate margin and any transfer fee. SEPA euro transfers within the single-euro area are cheap and often free, but currency conversions carry a spread over the mid-market rate. Transparency-focused providers typically charge a small percentage fee plus a competitive rate, while banks may advertise no fee but apply a wider rate margin. Because pricing varies by amount, currency and provider, the reliable way to judge value is to compare the final amount your recipient receives for a given amount sent.
Payment and e-money institutions operating in Germany are authorised and supervised by BaFin, and providers passported from other EU states operate under their home regulator within the same EU framework. Customer funds at authorised e-money and payment firms must be safeguarded separately from the firm's own money, which protects balances if the provider fails, though this is distinct from bank deposit insurance. Transfers are subject to anti-money-laundering checks, so you may be asked to verify your identity and the source of larger funds. SEPA rules standardise euro payments and give consumers clear rights on execution times and information.
What is the mid-market rate? It is the true interbank exchange rate with no margin added; the closer a provider is to it, the better the deal.
Are SEPA transfers cheaper? Yes; euro transfers within the SEPA area are standardised and typically very low-cost or free.
How fast are transfers? Major currencies often arrive within minutes to a day; others can take a few business days.
Is my money protected? Authorised providers must safeguard customer funds separately, though this differs from deposit insurance.
Giraffy tracks 5 prepaid FX and travel money cards across TorFX,OFX,Revolut,Wise,Atlantic FX Germany providers in Germany. Compare by the mid-market exchange rate margin and ATM withdrawal fees to find the lowest total cost.
A prepaid travel card is loaded with a specific currency (or multiple currencies) before you travel. You lock in an exchange rate at loading time, protecting against rate movements. Unlike a regular debit card, there are no overdraft risks, and many travel cards offer better exchange rates than high-street banks.
Most prepaid travel cards allow ATM withdrawals abroad, but fee structures vary — some offer a free monthly ATM allowance, others charge per withdrawal. Check the ATM fee, daily withdrawal limit, and whether your chosen card is accepted by ATM networks at your destination.
Multi-currency cards typically support 40–50 currencies, covering all major travel destinations. Lesser-used currencies may not be available — check the provider's currency list if you're travelling to an unusual destination. Some cards auto-convert at the point of sale if the local currency isn't loaded.
Yes — a prepaid card can be frozen via an app immediately if lost or stolen, protecting your remaining balance. You're not liable for fraudulent transactions in most cases. Keeping a small amount of local cash as backup is still advisable for markets where card acceptance is limited.
Key fees to check: loading fees (some charge to add funds), ATM withdrawal fees, inactivity fees if the card isn't used for 12+ months, and a small exchange rate margin on the mid-market rate. Some premium providers (Wise, Revolut Metal) offer fee-free loading and ATM withdrawals up to monthly limits.