How to send money to UK from Germany with the best EUR-GBP rate

Always compare ways to send money from Germany to the United Kingdom to get the best options for fees, speed, and reliability.

For EUR/GBP

• Wise is our top pick for sending EUR to GBP. For example, sending 7,000 EUR to GBP will cost you €34.42 in fees, and you will receive 6,010.6 GBP. The delivery time is within minutes, but it depends on the day you make the transfer.

• Cheapest way to send money to the United Kingdom from Germany is with Key Currency. The cost is made up of a fee of 0 EUR and an exchange rate for buying Pound Sterling with Euro that is 0.25% different to the mid-market rate.

• Of the 16 companies compared, Revolut currently offers the fastest money transfers to the United Kingdom from Germany. Sending €7,000 to United Kingdom through Revolut will be within minutes.

Our analysis included 16 providers that operate between Germany and United Kingdom.

Through this, you get a comprehensive view of all the options you have in Germany when you need to send money to the United Kingdom.

The exchange rate determines how many EUR the recipient will get in United Kingdom when you send Euro.

When calculating the costs of money transfers between Germany and United Kingdom, here's what really matters:

• The Mid-Market Rate: Today, the EUR-GBP mid-market rate equals to 0.8629 GBP per Euro.

• Fees may also be added on top, and usually vary depending on how much EUR you are sending to UK.

• For the best combination of rates and fees, we suggest using Key Currency.

Today, the average exchange rate between Euro and Pound Sterling is 0.8629.

The EUR-GBP rate fluctuates constantly, so timing your transfer to the United Kingdom can help you save a lot of money.

Sometimes, waiting a day or two can help you get more GBP for the same amount of EUR. You can also opt for a forward contract to lock in rates between Germany and the United Kingdom.

A bank transfer is the most cost effective option for sending money from Germany to the United Kingdom. The company offering the best bank transfer price is Key Currency.

Here are all the ways to send money from Germany to United Kingdom:

Bank transfers

The default option for sending money from Germany to the United Kingdom is often a bank transfer.

Using a money transfer company such as Key Currency for transfers from Germany to the United Kingdom, allows for sending via a bank transfer while benefiting from lower fees and more favorable exchange rates. 


Debit and prepaid cards

Sending money from Germany to the United Kingdom with a prepaid or debit card is easy with Wise.


Wise is a leader in accepting card payments for transfers between Germany and the United Kingdom.

Credit cards

We recommend using a bank transfer or a debit card deposit instead of a credit card, as many companies do not allow direct deposits with a credit card and are usually more expensive and come with cash advance fees!

Always choose providers that are regulated by financial authorities to ensure funds are safe when transferring from Germany to United Kingdom.

If you don’t know what the key regulatory bodies for money transfers are between Germany and the United Kingdom, please refer to our directory of financial regulators worldwide.

Some services have limits on how much you can transfer from Germany to the United Kingdom. This applies when receiving money in the United Kingdom as well.

Different companies will offer different rates or lower fees for different transfer amounts.

For example, we recommend using Wise if you need to send large amounts of EUR to United Kingdom.

This being said, always check with the recipient and understand any declarations needed on large amounts of money leaving Germany, or entering United Kingdom.

There are different ways to receive money in the United Kingdom. You can do a direct bank deposit, cash pickup, use a mobile wallet or receive money into a multi-currency account.

If you (or the recipient) want a direct transfer to your bank account, Wise is the best money transfer company for bank transfers between Germany and United Kingdom.

And if you need cash right away, check if cash pickup is an option for transfers between Germany and United Kingdom.

Mobile wallet services and payment apps like PayPal, Xoom, and CashApp are popular too, but they come with more limitations and higher costs compared to money transfer providers like Key Currency.

When you're sending or receiving money between Germany and the United Kingdom, you have to be ready to show some ID.

The exact documents you need might vary. Usually in Germany this will be a government ID like a passport or driver's license. This will be similar if you need to open an account or collect cash in the United Kingdom.

If you're making a big transaction between Germany and the United Kingdom, a provider may ask you for proof of address or may want to know where your money comes from.

Wise is a great option for sending from Germany as the sign up process is pretty straightforward, even for larger transactions.

When sending large amounts of money between Germany to the United Kingdom there will be tax implications to consider.

Some EUR-GBP transfers may need to be reported to tax authorities, particularly where inheritance or property sales are involved.

Tax limits and personal allowances differ in the United Kingdom based on age, income and a few other elements. When in doubt, please contact a tax professional in Germany or United Kingdom to discuss your personal circumstances.