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HOMEMONEY TRANSFER
Send Money from Germany Internationally

Send money internationally from Germany

Grey lets you send money internationally from Germany to the US, Africa, Asia, and beyond directly from your EUR balance. The live exchange rate and total fee are shown before you confirm every transfer. Grey is a licensed financial services provider, regulated by FinCEN.
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Send money internationally from Germany

Grey is an international money transfer app for people in Germany who need to send money abroad. Fund your EUR balance, convert at the live rate, and send directly to bank accounts in the US, Africa, and Asia. The exchange rate and fee are both shown before you confirm. What you see is what your recipient gets.

Your recipient does not need a Grey account. The money arrives in their bank account as a standard local transfer. Deutsche Bank, Commerzbank, DKB, N26, and all major German banks are supported for funding via SEPA transfer.

The total cost of a transfer is the conversion fee plus the exchange rate margin. Grey shows both on the same screen before you tap Send. On a EUR 1,000 transfer, a 1% rate difference changes what your recipient receives by roughly 11 USD or 850 NGN.

Grey foreign bank account in Ghana
Sign up
Open a free Grey account on your phone in under five minutes. Verify your identity with a valid German ID card or passport. Grey Inc is regulated by FinCEN.
Fund
Fund your Grey EUR balance via SEPA transfer from any German bank account. Deutsche Bank, Commerzbank, Sparkasse, DKB, N26, and Revolut are all supported. SEPA transfers typically post to your Grey balance within minutes.
Send
Choose the destination country, confirm the live EUR exchange rate and fee, enter your recipient's bank account details, and send. Most transfers arrive within minutes to 1 to 2 business days depending on the corridor.

Which currencies does Grey support from Germany?

Grey supports EUR-to-USD transfers to the United States, EUR-to-NGN to Nigeria, EUR-to-GHS to Ghana, EUR-to-KES to Kenya, EUR-to-ZAR to South Africa, EUR-to-PHP to the Philippines, and EUR-to-IDR to Indonesia. All transfers show the live EUR exchange rate and total fee before you confirm.
On speed
Send EUR-to-USD directly to any US bank account. Wells Fargo, Bank of America, Chase, and all major US banks are supported. The conversion fee on EUR-to-USD is capped at $6 regardless of the transfer amount. Transfers typically arrive within 1 to 2 business days.
On cost
Send EUR-to-NGN directly to Nigerian bank accounts. GTBank, Access Bank, Zenith Bank, UBA, and all major Nigerian banks are supported. The swap fee on EUR-to-NGN is 1% of the transfer amount. Transfers typically arrive within minutes.
On transparency
EUR-to-KES transfers are delivered to M-Pesa or Kenyan bank accounts. EUR-to-PHP and EUR-to-IDR support Asian corridors from Germany. Select the destination in the app, confirm the live rate and fee, and send.

How much does it cost to send money abroad

EUR-to-USD and EUR-to-GBP are Group A currency pairs under Grey's fee structure, meaning the conversion fee is capped at $6 regardless of the transfer amount. On a large transfer, the effective fee percentage drops well below 1%. EUR-to-NGN and other Africa corridors are Group B pairs with a 1% uncapped swap fee.

Every international transfer involves two costs: the visible fee and the exchange rate margin. Most services hide their margin in the rate, so a transfer advertised as zero fees can quietly cost more than one with a transparent fee. The only way to compare providers accurately is to look at what your recipient actually receives in their local currency, not the fee number alone.

Grey shows both numbers separately before you tap Send: the transfer fee and the exchange rate applied to your transfer. You see exactly what your recipient will receive in their local currency before you confirm. There are no adjustments after the fact.

Where can you send money with Grey

Grey supports transfers to 80+ countries. Here are the corridors most used by Grey customers in Germany
See the full United States corridor page
Send money from Germany to the United States
Send money from Germany to the United States
Send EUR-to-USD directly to any US bank account. Wells Fargo, Bank of America, Chase, and all major US banks are supported. The conversion fee on EUR-to-USD is capped at $6 regardless of the transfer amount. Transfers typically arrive within 1 to 2 business days.
See the full United States corridor page
See the full United Kingdom corridor page
Send money from Germany to the United Kingdom
Send money from Germany to the United Kingdom
Send EUR-to-NGN directly to any Nigerian bank account. GTBank, Access Bank, Zenith Bank, UBA, First Bank, and all major Nigerian banks are supported. The swap fee on EUR-to-NGN is 1% of the transfer amount. Transfers typically arrive within minutes.
See the full United Kingdom corridor page
More destinations
From
Germany
To
Ghana
From
Germany
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Kenya
From
Germany
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South Africa
From
Germany
To
Philippines
From
Germany
To
Indonesia
From
Germany
To
France
From
Germany
To
Italy
From
Germany
To
Spain
From
Germany
To
Netherlands
From
Germany
To
Ireland
From
Germany
To
Portugal
From
Germany
To
Greece
From
Germany
To
Poland
From
Germany
To
Belgium
From
Germany
To
Sweden
From
Germany
To
Austria
From
Germany
To
Denmark
From
Germany
To
Finland
From
Germany
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Romania
From
Germany
To
Czechia
From
Germany
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Hungary
From
Germany
To
Bulgaria
From
Germany
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Croatia
From
Germany
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Slovakia
From
Germany
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Estonia
From
Germany
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Lithuania
From
Germany
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Latvia
From
Germany
To
Slovenia
From
Germany
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Cyprus
From
Germany
To
Luxembourg
From
Germany
To
Malta
From
Germany
To
Monaco
From
Germany
To
San-Marino
From
Germany
To
Holy See (Vatican City State)
From
Germany
To
United Kingdom
From
Germany
To
Ghana
From
Germany
To
Kenya
From
Germany
To
South Africa
From
Germany
To
Philippines
From
Germany
To
Indonesia
From
Germany
To
France
From
Germany
To
Italy
From
Germany
To
Spain
From
Germany
To
Netherlands
From
Germany
To
Ireland
From
Germany
To
Portugal
From
Germany
To
Greece
From
Germany
To
Poland
From
Germany
To
Belgium
From
Germany
To
Sweden
From
Germany
To
Austria
From
Germany
To
Denmark
From
Germany
To
Finland
From
Germany
To
Romania
From
Germany
To
Czechia
From
Germany
To
Hungary
From
Germany
To
Bulgaria
From
Germany
To
Croatia
From
Germany
To
Slovakia
From
Germany
To
Estonia
From
Germany
To
Lithuania
From
Germany
To
Latvia
From
Germany
To
Slovenia
From
Germany
To
Cyprus
From
Germany
To
Luxembourg
From
Germany
To
Malta
From
Germany
To
Monaco
From
Germany
To
San-Marino
From
Germany
To
Holy See (Vatican City State)
From
Germany
To
United Kingdom
From
Germany
To
Rwanda
From
Germany
To
Senegal
From
Germany
To
Cote d’Ivoire
From
Germany
To
Cameroon
From
Germany
To
China
From
Germany
To
Canada
From
Germany
To
Argentina
From
Germany
To
Chile
From
Germany
To
Thailand
From
Germany
To
Ethiopia
From
Germany
To
Uruguay
From
Germany
To
Malaysia
From
Germany
To
Bangladesh
From
Germany
To
Saudi Arabia
From
Germany
To
Turkiye
From
Germany
To
Rwanda
From
Germany
To
Senegal
From
Germany
To
Cote d’Ivoire
From
Germany
To
Cameroon
From
Germany
To
China
From
Germany
To
Canada
From
Germany
To
Argentina
From
Germany
To
Chile
From
Germany
To
Thailand
From
Germany
To
Ethiopia
From
Germany
To
Uruguay

Best way to send money internationally from Germany

If total cost matters most
Calculate what your recipient actually receives in their local currency, not just the exchange rate. Grey shows the conversion fee and exchange rate separately before you send. Traditional German bank wires to Africa or Asia typically charge EUR 15 to 35 in visible fees plus a 2 to 4% rate markup. Grey shows both numbers separately so you can compare the total cost.
If speed matters most
Transfers to Africa typically arrive within minutes from a funded Grey balance. Transfers to the US take 1 to 2 business days. EUR-to-PHP and EUR-to-IDR typically arrive within minutes to 1 business day. Traditional German bank wires are the slowest and most expensive option for most corridors.
If you need more than just transfers
Grey is the only provider in this comparison that also gives you a multi-currency balance to hold EUR, USD, GBP, and NGN, virtual cards for online payments, and GreyTag for free instant transfers to other Grey users. One app, more than one job.
FinCEN-regulated
Grey Inc is registered with FinCEN (Financial Crimes Enforcement Network), with a registered address at 651 N Broad St, Suite 206, Middletown, DE 19709, United States. Every transfer is processed in accordance with US financial regulations.

What currencies can I send from Germany with Grey?

Grey currently supports EUR-to-USD (United States), EUR-to-NGN (Nigeria), EUR-to-GHS (Ghana), EUR-to-KES (Kenya via M-Pesa or bank account), EUR-to-ZAR (South Africa), EUR-to-PHP (the Philippines), and EUR-to-IDR (Indonesia). All corridors show the live EUR exchange rate and fee before you confirm. Grey shows both the fee and the exchange rate separately before every transfer. There are no adjustments after the fact.

Your EUR converts to USD and lands in your recipient's US bank account. They receive it as a standard ACH credit. No US account needed on your end. The conversion fee is capped at $6.
Your EUR converts to NGN and arrives in your recipient's Nigerian bank account. GTBank, Access Bank, Zenith Bank, UBA, and all major Nigerian banks are supported. The swap fee on EUR-to-NGN is 1% of the transfer amount.
Western Union supports EUR transfers to cash pickup locations in some markets but charges higher combined fees and exchange rate margins than Grey. Grey delivers directly to bank accounts with transparent fees shown before confirmation.
PayPal and Xoom support some EUR send corridors but with higher fees and less competitive exchange rates. Grey supports EUR transfers to the US, UK, Africa, and Asia with the rate and fee shown before every transfer.

3 million people across 80+ countries trust Grey to move their money

FAQs

What countries can I send money to from Germany with Grey?
expand
Grey supports EUR-to-USD to the United States, EUR-to-NGN to Nigeria, EUR-to-GHS to Ghana, EUR-to-KES to Kenya, EUR-to-ZAR to South Africa, EUR-to-PHP to the Philippines, and EUR-to-IDR to Indonesia. The live exchange rate and fee are shown before every transfer.
What is the fee for sending money from Germany with Grey?
expand
Grey charges a conversion fee of 1%, capped at $6 on EUR-to-USD transfers. On EUR-to-Africa and EUR-to-Asia corridors, the swap fee is 1% of the transfer amount. There is also a flat withdrawal fee depending on the destination. Both fees are shown before you confirm.
How do I fund my Grey account from Germany?
expand
Fund your Grey EUR balance via SEPA transfer from any German bank account. Deutsche Bank, Commerzbank, Sparkasse, DKB, N26, and all major German banks are supported. SEPA transfers typically post to your Grey balance within minutes.
Is Grey available in Germany?
expand
Yes. Grey is available in Germany. Open a free Grey account on your phone, fund it with EUR via SEPA transfer from any German bank, and send money to the US, Africa, or Asia.
Is Grey licensed to operate in Germany?
expand
Grey Inc is registered with FinCEN (Financial Crimes Enforcement Network), with a registered address at 651 N Broad St, Suite 206, Middletown, DE 19709, United States. Every transfer is processed in accordance with US financial regulations.
Can I send money from Germany to Africa with Grey?
expand
Yes. Grey supports EUR-to-NGN to Nigeria, EUR-to-GHS to Ghana, EUR-to-KES to Kenya via M-Pesa or bank account, and EUR-to-ZAR to South Africa. All corridors show the live EUR exchange rate and fee before you confirm.
Can I send money from Germany to Asia with Grey?
expand
Yes. Grey supports EUR-to-PHP to the Philippines and EUR-to-IDR to Indonesia. Both are direct corridors. The live EUR exchange rate and fee are shown before you confirm.
How does Grey show the exchange rate for EUR transfers?
expand
Grey shows the live EUR exchange rate inside the app before you confirm every transfer. The rate you see is the rate applied to your transfer. There are no adjustments after the fact.
Can my recipient receive money without a Grey account?
expand
Yes. Your recipient does not need a Grey account. The money arrives in their bank account as a standard local transfer, the same way any domestic payment would appear in their banking app.
What is the difference between the conversion fee and the exchange rate margin?
expand
The conversion fee is a visible charge shown before you confirm. The exchange rate margin is the difference between the mid-market rate and the rate applied to your transfer. Grey shows both the fee and the rate separately before you confirm.
How long does a SEPA transfer take to fund my Grey account?
expand
SEPA transfers from German banks typically post to your Grey EUR balance within minutes. SEPA Instant settles in under 10 seconds where supported by your bank.

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