Send money to the United Kingdom from Germany
Grey sends money from Germany to the United Kingdom directly to bank accounts in GBP via SEPA. The live EUR-to-GBP rate and total fee are shown before you confirm. Barclays and all major the United Kingdom banks are supported. Transfers typically arrive within minutes.
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Send money to the United Kingdom, straight to any bank account
Grey is a licensed financial services provider, not a bank, regulated by FinCEN. Sending money from Germany to the United Kingdom with Grey costs a 1% conversion fee capped at $6 plus a SEPA withdrawal fee. Transfers reach Barclays, HSBC UK, Lloyds, NatWest typically within minutes via SEPA.
When you send money to the United Kingdom through Grey, every transfer goes directly into your recipient's bank account in GBP via SEPA. Enter the IBAN and the money lands as a standard SEPA credit. Your recipient does not need a Grey account.
No branch visit. No wire forms. No delays. The pounds arrive in their banking app typically within minutes of you hitting send. The rate and fee you saw when you confirmed are the rate and fee applied.
You can track your transfer at any time in the app and will receive a notification when the money lands in your recipient's account. No branch visits, no paper forms. Your recipient does not need a Grey account to receive the funds.
How to send money to the United Kingdom from Germany
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, and N26 are all supported. SEPA transfers typically post within minutes.
Send
Enter your recipient's the United Kingdom IBAN. Confirm the live EUR-to-GBP rate and fee. Send. The money typically arrives within minutes via SEPA.
How much does it cost to send money to the United Kingdom
Every transfer from Germany to the United Kingdom 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 exchange rate is usually the bigger factor in larger transfers. On a EUR 1,000 transfer, a 1% rate difference changes the pounds amount your recipient receives by roughly 10 GBP. A provider advertising no fee but applying a 2% rate markup costs more than one charging a visible fee with a rate close to the mid-market.
Grey shows the fee and the exchange rate separately before you tap Send. The pounds amount your recipient will receive is on screen before you confirm. The rate shown is the rate applied. There are no adjustments after the fact.
How exchange rates work: EUR to GBP
The EUR-to-GBP exchange rate determines how many pounds your recipient receives. On a EUR 1,000 transfer, a 1% difference in the rate changes the amount by roughly 10 GBP. On recurring or large transfers, that gap compounds.
Grey shows the live EUR-to-GBP rate before you confirm. The rate on screen is the rate applied. Grey charges a 1% conversion fee capped at $6 on this corridor, shown before you send.
The only way to compare providers accurately is to look at what your recipient actually receives in GBP, not just the advertised fee. A transfer that advertises zero fees but applies a 2% rate markup costs more than one that charges a visible fee with a rate close to the mid-market.
How fast is each provider?
Grey delivers to the United Kingdom via SEPA typically within minutes from a funded Grey balance. Wise also uses SEPA and typically delivers within minutes on EUR-to-GBP corridors. Traditional German bank wires charge higher fees for the same result.
Transfer times apply when funds are already in your Grey EUR balance. If funding via SEPA from your German bank, allow time for the transfer to post first before sending.
What your recipient sees in the United Kingdom
Your recipient does not need a Grey account. The pounds arrive in their the United Kingdom bank account as a standard SEPA credit, the same way any domestic transfer would appear in their banking app.
Bank account delivery
Grey delivers EUR-to-GBP directly to your recipient's the United Kingdom bank account via SEPA. Barclays, HSBC UK, Lloyds, NatWest. Enter the IBAN in the Grey app.
Transfer speed
SEPA (Single Euro Payments Area) covers all Eurozone countries. SEPA Instant settles in under 10 seconds where supported. Transfers from a funded Grey EUR balance typically arrive within minutes.
GreyTag transfers
If your recipient has a Grey account, send via GreyTag instead. GreyTag transfers are free and arrive within seconds in any currency.
Ways to fund your transfer
Whether you are transferring money to the United Kingdom for the first time or the fiftieth, Grey gives you funding options: SEPA transfer from any German bank or from your existing Grey balance.
SEPA transfer
Fund from your German bank account via SEPA. Deutsche Bank, Commerzbank, Sparkasse, DKB, and N26 are all supported. SEPA typically posts to your Grey balance within minutes.
SEPA Instant
SEPA Instant settles in under 10 seconds where supported by your German bank. Once funded, transfers go out immediately from your Grey EUR balance.
Grey EUR balance
If you already hold EUR in your Grey balance, send without waiting for a SEPA transfer to post. Fund your balance in advance, and transfers go out immediately.
Which option is cheapest? Grey shows the fee for each funding method before you confirm, so you can compare and choose.
Send money to the United Kingdom for every reason that matters
Family in Europe
A German resident covering rent or living costs for family in the United Kingdom. A parent in Berlin sending monthly support to a child studying in the United Kingdom. A worker in Frankfurt contributing to household costs for relatives abroad. Grey's fee is shown in full before you confirm.
Property and mortgages
Paying a mortgage on a property in the United Kingdom from Germany. Contributing to a property purchase in the United Kingdom. Covering maintenance costs on a European home while working in Germany. Grey's 1% conversion fee capped at $6 is shown before you confirm.
Business and contractors
A German business paying a supplier or contractor in the United Kingdom in pounds. A freelancer in the United Kingdom receiving payment from a German client. A company settling invoices with a the United Kingdom partner. Grey supports payments to the United Kingdom bank accounts via SEPA.
Work and relocation
Moving to the United Kingdom for work or a career change from Germany. Covering living costs in the United Kingdom while your German salary lands. Managing cross-border expenses in pounds. Grey shows the full EUR-to-GBP cost before you confirm.
Your reasons may be different, but the need is the same: the money has to arrive and the cost has to be clear. Grey shows the EUR-to-GBP rate and the full fee before you confirm.
Best way to send money to the United Kingdom from Germany
A global money app you can actually trust
Over 3 million people across 80+ countries use Grey to move money across borders. Your transfers are protected with bank-grade encryption, and every payout is tracked end-to-end. You'll know exactly when the money lands. If you have any questions, our support team is one tap away.
FAQs
How long does it take to send money from Germany to the United Kingdom?
Transfers from a funded Grey balance to the United Kingdom typically arrive within minutes via SEPA. SEPA Instant settles in under 10 seconds where available. Fund your EUR balance via SEPA from your German bank first.
What is the fee for sending money from Germany to the United Kingdom?
Grey charges a 1% conversion fee capped at $6 on EUR-to-GBP transfers to the United Kingdom. There is also a SEPA withdrawal fee. Both fees are shown in the app before you confirm.
Which the United Kingdom banks does Grey support?
Grey supports transfers to Barclays, HSBC UK, Lloyds, NatWest. Enter your recipient's IBAN in the Grey app. Your recipient does not need a Grey account.
What is the EUR to GBP exchange rate today?
The live EUR-to-GBP rate is shown inside the Grey app before you confirm your transfer. The rate at the time of confirmation is the rate applied. There are no adjustments after the fact.
Does my recipient in the United Kingdom need a Grey account?
No. Your recipient does not need a Grey account. The pounds arrive in their the United Kingdom bank account as a standard SEPA credit, the same way any domestic transfer would appear in their banking app.
How do I send money from Germany to the United Kingdom with Grey?
Open a free Grey account, fund your EUR balance via SEPA from any German bank, enter your recipient's IBAN, confirm the live EUR-to-GBP rate and fee, and send. Transfers to the United Kingdom typically arrive within minutes via SEPA.
What is SEPA and how does it work for EUR transfers to the United Kingdom?
SEPA (Single Euro Payments Area) is the payment system for euro transfers across Europe. Grey uses SEPA to deliver EUR-to-GBP transfers to the United Kingdom. SEPA transfers are fast and arrive directly to bank accounts.
Is there a limit on how much I can send from Germany to the United Kingdom?
Transfer limits apply and vary by verification level. Check the Grey app for your current sending limit on the EUR-to-GBP corridor. Completing full identity verification typically unlocks higher limits.
Can I track my transfer from Germany to the United Kingdom?
Yes. Grey shows the status of your transfer in the app. You receive a notification when the transfer is confirmed and when it arrives at your recipient's bank account in the United Kingdom.
Can I cancel a transfer from Germany to the United Kingdom?
Transfers can be cancelled before they are processed. Once sent via SEPA, transfers typically cannot be reversed. Contact Grey support immediately through the app if you need to cancel.
Why should I use Grey to send money from Germany to the United Kingdom?
Grey shows the live EUR-to-GBP rate and the full fee before you confirm. Traditional German bank wires typically charge EUR 15 to 35 in visible fees plus a rate markup. Grey shows both numbers separately so you can compare the total cost.
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