Send Money to Germany — Free, Fast, No Fees
Send money to anyone in Germany. Recipient withdraws euros to any German bank via SEPA in under 20 minutes. No fees on either end.
Send Money to Germany — No Fees, Real Market Rate
Sending money to Germany with Peanut costs nothing. The recipient withdraws euros directly to any German bank account via SEPA — free, with 90% of withdrawals arriving in under 20 minutes. No hidden charges, no exchange rate markups, no intermediary banks taking a cut.
Germany is part of the SEPA zone, giving Peanut users full deposit and withdrawal access. Whether you are sending money to family, paying a German contractor, or moving your own funds to a German bank account, Peanut is the fastest and cheapest way.
Why Peanut Is the Best Way to Send Money to Germany
No Fees
Every step is free. Depositing into Peanut costs nothing. Sending the money is free. The recipient withdrawing to their German bank account via SEPA is free. Compare that to alternatives:
- Wise: 0.4-1.5% in additional charges
- PayPal: 3-4% cross-border fee plus exchange rate markup
- Western Union: $5-$15+ flat fee plus rate markup
Better Exchange Rate
For non-EUR senders, Peanut converts digital dollars to euros at the market rate — no hidden markups. For EUR-to-EUR transfers within the SEPA zone, there is no currency conversion — the recipient gets exactly what you send.
Fast
SEPA withdrawals to German banks are fast. 90% arrive in under 20 minutes. Peanut-to-Peanut transfers are always instant.
How It Works
- 1
Sign up and verify
Create a Peanut account and verify with your passport or national ID card. Takes under 2 minutes.
- 2
Deposit funds
US users deposit via ACH (free, 1-3 business days). European users deposit via SEPA (free, under 20 minutes). Anyone can send digital dollars on supported networks — free, arrives in minutes.
- 3
Send to the recipient
Send to the recipient's Peanut account instantly, or share a Peanut Link they can claim.
- 4
Recipient withdraws to German bank
The recipient withdraws euros to their German bank via SEPA. 90% arrive in under 20 minutes. Free.
Where the Money Goes
SEPA Bank Withdrawal
The recipient withdraws euros to any German bank — Deutsche Bank, Commerzbank, N26, DKB, or any other institution. Free, with 90% arriving in under 20 minutes.
Digital Dollar Withdrawal
The recipient can withdraw USDC, USDT, or DAI to any external wallet on supported networks.
Peanut Balance
The recipient can hold digital dollars and spend later — in Germany via bank withdrawal, or abroad via Mercado Pago in Argentina or Pix in Brazil.
How Much Does It Cost?
Peanut charges no fees.
| Service | Transfer Fee | Speed |
|---|---|---|
| Peanut | Free | SEPA: under 20 min |
| Wise | 0.4-1.5% | 1-2 business days |
| PayPal | 3-4% | 1-3 business days |
| Western Union | $5-$15+ | Hours to days |
For full details, visit the pricing page.
Sending from Specific Countries
Send Money from the United States to Germany
US senders deposit via ACH (free, 1-3 business days) or digital dollars from an exchange (free, minutes). The recipient withdraws euros via SEPA.
Send Money from the United Kingdom to Germany
UK senders deposit via SEPA (euro accounts) or digital dollars. The recipient withdraws euros to their German bank.
Send Money from Latin America to Germany
Senders in Latin America deposit digital dollars from a local exchange. The recipient withdraws euros via SEPA — free and fast.
