Send money from Italy to Germany

You pay in EUR, the recipient gets EUR. Below are services that can do this today, ranked by how much actually arrives after all fees and exchange-rate markups.

Market rate: 1 EUR = 1.00 EUR
Best now: YouHodler — send 500 EUR, receive about 500 EUR.
Estimates for 500 EUR; open the converter for your own amount. · Updated:

Services that send this corridor directly

YouHodler Best nowBonus for new users
500 EUR
Loss vs market: 0%
Wire → UMA
Open YouHodler
Paysend Better rate on your first transfer
500 EUR
Loss vs market: 0%
Debit card Visa/Mastercard (Apple Pay / Google Pay) → To a Visa/Mastercard card or bank account
Open Paysend
Ether.fi Bonus for new users
498.35 EUR
Loss vs market: 0.33%
EURC (Ethereum) → SEPA
Open Ether.fi
Plasma One
494.57 EUR ≈
Loss vs market: 1.09%
SEPA (virtual IBAN via Bridge) → SEPA payout (via Bridge)
Open Plasma One
KuCoin Bonus for new users
482.35 EUR
Loss vs market: 3.53%
Apple Pay → SEPA / SEPA Instant bank transfer
Open KuCoin
Telegram Wallet
480.57 EUR
Loss vs market: 3.89%
Карта / Apple Pay (Mercuryo) -> USDT, сверх бесплатного порога → card sell (Mercuryo)
Open Telegram Wallet
DeFi in Telegram
477.5 EUR ≈
Loss vs market: 4.5%
Bank card (MoonPay) -> USDT, fee-free band (cap stated in USD equivalent) → Sell USDT / GRAM to a bank card (MoonPay) (TON)
Open DeFi in Telegram
HOT Wallet
465.84 EUR
Loss vs market: 6.83%
Bank transfer via Mercuryo, above 66.67 EUR → Sell to card / bank via Mercuryo, above 101.27 EUR
Open HOT Wallet

Two-step route via a dollar stablecoin (USDT)

Buy USDT for EUR in one service, send it (fees are cents), and sell it for EUR in another. Two steps, but often cheaper than a bank wire, and it works for corridors nobody serves directly.

Step 1 — EUR → USDT

Plasma One Best now
568.51 USDT
Loss vs market: 0.09%
SEPA (virtual IBAN via Bridge) → USDT to external wallet (Plasma)
Open Plasma One
Ether.fi Bonus for new users
568.15 USDT ≈
Loss vs market: 0.15%
EURC (Ethereum) → USDT (OP Mainnet)
Open Ether.fi
YouHodler Bonus for new users
567.72 USDT
Loss vs market: 0.23%
ERC-20 → TON
Open YouHodler

Step 2 — USDT → EUR

YouHodler Best nowBonus for new users
87.35 EUR
Loss vs market: 0.6%
нативная сеть → UMA
Open YouHodler
Plasma One
86.99 EUR ≈
Loss vs market: 1%
USDT (Tron) → SEPA payout (via Bridge)
Open Plasma One
Ether.fi Bonus for new users
86.84 EUR
Loss vs market: 1.17%
USDT (Solana) → SEPA
Open Ether.fi

Calculate your amount

How it works

  1. Pick a service above and open it with our link (some give a bonus on the first transfer).
  2. Register and pass a quick identity check — usually a passport photo, a few minutes.
  3. Pay with a card or bank transfer in Italy; the recipient in Germany gets money to a card, account or wallet.

FAQ

What is the cheapest way to send money from Italy to Germany?

Compare the amount received, not the advertised fee: a "0% fee" service can hide 3% in the exchange rate. The list above already accounts for both.

How long does a transfer from Italy to Germany take?

Card-to-card and stablecoin transfers usually arrive within minutes; bank payouts can take up to 1–3 business days.

What is the EUR to EUR exchange rate today?

The mid-market rate is 1 EUR = 1.00 EUR. Services add their own markup; we show how much of it you lose.

Are these services legal and safe?

All listed services are public companies with their own licences and terms. Check the recipient's country rules and your bank's limits before a large transfer.

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