Euro from Ireland to a German bank account
Germany and Ireland are both in the eurozone, so a transfer between them converts nothing. Euro leaves your Grey balance and credits the account at Deutsche Bank, Commerzbank, DZ Bank or a local Sparkasse as an ordinary SEPA payment, typically within minutes, with the fee visible before you confirm.
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Who uses the Ireland to Germany corridor
Germany is one of the larger destinations for money leaving Ireland, and the traffic is mostly commercial and personal in equal measure. Irish manufacturers and distributors pay German engineering, machinery and medical technology suppliers, usually against an invoice with a payment term attached.
Going the other way in spirit, the German community working in Dublin's technology and pharmaceutical employers sends money home to Berlin, Munich, Cologne and the smaller places their families bank in.
Then there are the students. Irish colleges send a steady stream to German universities, and a semester in Heidelberg or Leipzig means a rent deposit, a Kaution and a series of transfers that all have to name the right person.
Germany still settles a great deal of ordinary life by bank transfer rather than by card, which is why the reference field matters here more than on most corridors.
Three steps to a German IBAN
Open your account
Free to open, roughly five minutes, and one valid identity document such as a passport.
Hold euro
A SEPA transfer from your Irish bank builds the euro balance the German payment will leave from.
Send with a reference
Enter the German IBAN, add the Verwendungszweck the invoice or landlord asked for, check the fee, confirm.
The cost of paying a German account
Where Irish senders lose money on this corridor is usually not the rate but the handling. A payment that arrives without the right reference can sit unallocated at a German supplier for a fortnight, and a late fee costs more than any transfer charge. Send the reference with the money and the problem does not arise.
If the money you are sending is dollars held on Grey, one conversion into euro happens first, priced next to the fee, and nothing further is applied once the euro is on its way to Germany.
Rates between Ireland and Germany
There is no rate on this route. Both countries use the euro, so the invoice total and the credited amount are the same figure.
Only funding from another currency brings a rate into it, shown before you accept and fixed at confirmation. From that point the euro reaching the German account is settled, which suits a supplier who will not accept a short payment.
Grey compared with your Irish bank paying Germany
Both send euro over SEPA, so this is not an argument about speed of rails. It is about whether you can see the charge at the moment you pay, whether the Verwendungszweck arrives intact, and whether you can confirm settlement without ringing anyone. Grey shows the fee on the payment screen, carries the reference through, and tracks the credit until the German bank posts it.
How it appears on a German statement
A euro credit on their Kontoauszug with your reference beside it, the same as any German transfer they receive. Nothing to install or register.
German banks
Deutsche Bank, Commerzbank, DZ Bank, Sparkasse and any German bank reached by IBAN.
Arrival
From a funded balance, the SEPA credit to Germany typically arrives within minutes.
If they hold Grey
GreyTag between two Grey users is free and instant, useful between family members.
Funding your account from Ireland
How you fund does not change because the money is going to Germany. Many readers already use Revolut for spending abroad; Grey is where the euro sits when it is owed to a named German account.
SEPA from home
From an AIB, Bank of Ireland, Permanent TSB or An Post Money account.
Dollars from clients
Received into your USD account provided by Lead Bank, then converted once into euro.
Existing euro
A balance already on Grey pays the German IBAN without any wait.
Save each German recipient with the reference they expect, and the monthly payment to Munich or Hamburg takes one screen.
What money from Ireland pays for in Germany
Supplier invoices
Irish firms paying German engineering, machinery and medical technology suppliers on terms.
Family in Germany
Germans working in Dublin sending money to relatives in Berlin, Cologne, Munich or a small Sparkasse town.
Student costs
Rent, the Kaution and semester fees for an Irish student in Heidelberg, Leipzig or Munich.
Contractors and agencies
Freelance designers, developers and consultants in Germany invoicing Irish clients in euro.
Invoices and rent lead, family transfers follow, and the pattern repeats month after month. All of it is euro figures that have to match a document.
Why send to Germany with Grey
Because the euro sits on both sides, there is no conversion at all on this route. What is left to get right is the reference, the fee you can see, and knowing the payment has landed before the supplier asks.
Open a Grey account, hold euro on it, and pay the German IBAN with the reference on the day the invoice or the rent is due.
FAQs
Which German banks can Grey pay into from Ireland?
Deutsche Bank, Commerzbank, DZ Bank, Sparkasse and any other German bank with an IBAN. Your recipient needs no Grey account.
Does a Sparkasse account need more than the IBAN?
No. The IBAN and the account holder's name are enough, whether the account sits with a local Sparkasse or a national bank.
Will my Verwendungszweck reach the German account?
Yes. The reference you enter travels with the euro credit, which is how a German supplier matches your payment to its invoice.
Is anything converted sending euro from Ireland to Germany?
No. Both countries use the euro, so the invoice total you confirm is the amount credited to the German account.
How quickly does a SEPA credit reach a German bank?
From a funded Grey euro balance, credits to German banks typically arrive within minutes and stay trackable until they settle.
Can an Irish company pay a German supplier on terms?
Yes. Hold euro on Grey, send on the due date with the invoice reference, and the fee is shown before you confirm.
Can I send a Kaution for a student flat in Leipzig?
Yes. Send the exact euro deposit to the landlord's German IBAN, naming the tenant in the reference so it is allocated properly.
Does my family in Germany need to open anything?
No. The euro appears on their Kontoauszug as an ordinary credit in the German account they already use.
What if my Grey balance is in dollars?
One conversion into euro happens before the payment leaves, at the rate fixed on confirmation, and Germany receives euro.
Is Grey different from a euro transfer from my Irish bank?
Both use SEPA. Grey shows the fee where you enter the payment, carries the reference through and tracks the credit into Germany.
Can I pay a German freelancer who invoices in euro?
Yes. Enter their German IBAN and invoice number, and the euro total arrives without any conversion at either end.
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