Send Money to Germany from the UK


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      Sending money internationally has been a matter of concern and is full of misconceptions. People often struggle with the process and remain fearful of the fact whether their money reaches its destination or not. However, with the advent of modern technology and online platforms, international money transfer has become easier than ever.

      So, through this write-up, let's get an overview of the process for a better understanding and hassle-free money transfer across the world.

      How to Send Money to Germany from the UK?


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      Sign up or log in

      The process begins with signing up or logging in to the SterlingFX portal. If you're a new user, sign up, and if you're an existing user, log in with your credentials.


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      Enter recipient details

      Next, you must enter the recipient details properly, including the names, account numbers, and necessary bank information.


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      Choose the amount
      and currency

      To proceed, input your amount and choice of currency. We will convert the amount, and you can ' proceed.


      Transfer complete

      Select payment method

      Now you can confirm the payment method. You can choose among debit/credit, bank transfer, demand draft, etc.


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      Review and confirm

      Double-check all the details, including exchange rates and fees. Confirm the transfer to initiate the process.


      Transfer complete

      Track your transfer

      After confirmation, you can track the status of your transfer through your SterlingFx account.

      Send Money to Germany without Any Hassle: Know All About It

      Sending money to Germany from the UK can be simple and efficient if you choose the right service and follow the necessary steps. This guide will provide you with all the essential information to ensure your money transfers are secure, cost-effective, and fast. So, here you will learn about the best methods to send money to Germany from UK. Also, this page of Sterling FX helps you to choose the best money transfer method according to your needs.

      Best Methods to Send Money to Germany from the UK

      Bank Transfer

      A bank transfer is a safe way to send money to Germany. All the banks of the UK are registered under FCA. So, you don't need to be concerned when choosing a bank transfer. But they charge high costs. Also, they don't offer competitive rates and add a 3%-6% markup on the exchange rate.

      Online Money Transfer

      Online money transfer services are the cheapest way to send money to Germany. They specialise in money transfer and currency exchanges. They offer competitive exchange rates. Also, they charge lower fees than the banks. Thus, it becomes the best way to send money to Germany.

      Mobile Wallet

      This is an easy way to send money to Germany from UK. To utilise these platforms, first, you need to link your bank account or debit card to the platform. Then, you can send the money to the recipient's mobile number or email.

      Cash Pick-Up

      Cash pick-up is the best way to send money to Germany when your recipient doesn't have a bank account. With this method, the recipient can receive the money instantly after you've sent the money to them. They can collect the cash from any designated location in Germany. Also, the transfer time is comparatively shorter.

      Bank Transfers vs. Online Money Transfer Services

      Services Specialise in money transfer and currency exchange Additional charges (Other than exchange rate and transfer fees) Transfer amount
      Bank transfer None Yes
      Bank overhead processing fees, overdraft fees, etc.
      Up to 50000 GBP
      Online money transfer services Yes Yes up to £5000000 per transfer
      Digital wallet Yes Some platforms are entirely free to use. But the rest of the platforms include processing fees, credit card fees, etc. No limit
      Cash pick up services None Yes Up to 4000 GBP

      How to Choose the Right Money Transfer Service?

      You should always consider these four factors when before you send money to Germany from the UK -

      Exchange Rate

      Online money transfer service providers offer mid-market exchange rates, but not all do. So, compare different service providers according to their exchange rates and then select the one that offers the best rate for the money transfer UK to Germany. Another important point to be noted is that banks don't provide competitive rates.

      Transfer Fees

      The banks have the highest charges to send money to Germany from UK. They include service charges, exchange rate mark-ups, and interbank charges. However, international money transfer services come with comparatively low transfer fees. Even these services offer zero transfer fees for new users and seasonal discounts.

      Transfer Speed

      Usually, it takes 1-3 days to money transfer UK to Germany through online money transfer services. However, the banks take more time to transfer the money. It will take between 3-5 days to transfer your money to Germany. However, bank holidays or weekends can affect the transfer.


      You should choose a service provider who is authorised by the Financial Conduct Authority (FCA). The FCA ensures your protection against fatal financial risks like money laundering, etc. Thus, the FCA-authorised services shield your funds against financial scams.

      Understanding Transfer Fees and Exchange Rates

      A transfer fee is nothing but the charge levied by banks and the money transfer services to transfer your money abroad. It includes the cost of processing the money transfer from one location to another. In this case, it refers to the processing cost of money transfers from the UK to Germany. This payment can vary by the bank/money transfer service you've chosen, the amount of transferable money, etc.

      The exchange rate indicates the value at which one currency is converted to another. The value here is dynamic and depends upon the supply and demand rate. Moreover, it can be changed based on the economic and political conditions of the sender and the recipient's country. Most of the currency exchange platforms and online money transfer services offer mid-market rates. But the banks don't offer mid-market rates.

      How to Avoid Hidden Fees?

      To avoid hidden fees, you need to check the interbank rates. By checking these rates, you can find out if there is any hidden cost in your transfer fee. You can easily find out the interbank rates online. Again, some service providers add a mark-up to the interbank rates. So, you need to choose a platform with a minimum interbank rate and mark-up.

      Another good way to get rid of these interbank rates is that you can choose a service provider who has strong relationships with the recipient's bank in Germany. It will reduce the interbank rates, the mark-up over it, and also reduce the overall costs.

      Tips for a Secure Money Transfer

      Choose a reputable service provider registered with the FCA. Check its customer satisfaction and security track records, customer reviews, and security policies.

      The next most significant factor is that you need to cross-check the recipient's information when you're looking for an international money transfer Germany. Putting the wrong recipient's details will cause potential harm, like loss of funds or scams. So, you should be careful about this factor.

      You should use websites and apps that use encryption technology. For instance, you can check the encryption of a website by clicking 'https://' at the beginning of their URL and the default status symbol on their browser address bar. These help protect your financial data.

      Use strong passwords for your bank account and online money transfer accounts. Also, opt for two-factor authentication wherever possible. These will reduce unauthorised access to your accounts.

      Be aware of suspicious emails, messages, or phone calls asking for information related to your money transfer. Remember that authorised service providers never ask for such kind of information.

      Tracking Your Money Transfer

      If you've chosen a bank transfer method, you must contact their customer service or visit the bank branch. Then, you have to provide the transaction details to the assistant and ask them to track your transfer. After tracking it, they will inform you about the status. But if you've chosen any online money transfer service, you can track the status directly from their website with the tracking ID.

      How Long Does it Take to Send Money to Germany from the UK?

      The time taken for the money transfer UK to Germany depends upon several factors, such as the service you have chosen, the amount of money, the day of the initialisation of the transfer (weekend or holiday), etc.

      Generally, money transfer services send your money instantly or within 1-3 working days. However, banks take more time as they transfer the money within 3-5 days.

      Frequently Asked Questions

      These are the ways to send money from the UK to Germany - bank transfer, online money transfer services, mobile wallets, and cash pickup services.
      You need to file your issue through their email ID to get a faster solution. You will get details from here.

      Not taking a service from an FCA-authorised service provider.

      Not comparing the mid-market rates before choosing a service provider.

      Do not use a strong password in your online bank account and money transfer service account.

      No, you can't cancel your money transfer after it has been processed or sent already. If you contact the service provider before the initialisation of the process, then you can cancel it.
      You need to include your name. Then, provide your recipient's details, such as their name, account number, contact details, and IBAN, so that you can send money to Germany from the UK.
      Online money transfers offer the fastest services to send money to Germany from UK. But you need to pay a premium for this.

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