Best Way to Send Money from Germany to India: Fees, Exchange Rates and Safety Checks

Many of my followers ask me about the best way to send money from Germany to India. The honest answer is that there is no single best app every day, because fees, exchange rates, transfer time, limits and verification rules change constantly.

This guide shows how to compare money transfer apps from Germany to India, which providers are still worth checking, what to verify before sending a large amount, and which older options in this post are now historical. This is general information, not financial advice.

Best way to send money from Germany to India in 2026

Before every transfer, compare the final INR amount your recipient will receive, not just the advertised fee. A “zero fee” transfer can still be expensive if the exchange rate is worse. Check the live calculator inside Wise, Remitly, Western Union, WorldRemit, your bank, or any provider you plan to use.

• For regular small transfers: compare Wise, Remitly, WorldRemit, Western Union and your German bank on the same day.
• For urgent transfers: compare speed, payment method and recipient bank delivery time; card-funded transfers can be faster but may cost more.
• For large transfers: check identity verification, source-of-funds requirements, exchange-rate lock, customer support and German reporting rules before you send.
• For safety: use regulated providers, avoid sending money for strangers, and never rely on WhatsApp-only “agents”. BaFin warns that financial services in Germany require authorisation.

Important update: screenshots and sample EUR-INR amounts below from 2022 should be treated as historical examples only. Use live provider calculators for the current rate, fee and delivery time. Also, Rewire EU has discontinued its services, and Azimo no longer operates as a consumer money transfer service.

Useful official/current references: BaFin consumer warnings, Bundesbank AWV reporting changes, Wise send money to India, Remitly Germany to India, and WorldRemit India.

Why do you actually need an application to transfer money?

If you are sending money to India from Germany, your goal should be simple: the highest reliable INR amount received, with clear fees, safe delivery and proper documentation.

Why can’t I use my bank account to transfer the money? You can, but compare it carefully. Some banks charge visible transfer fees, while others make the transfer expensive through the exchange rate or intermediary-bank costs.

First-time promotions can be useful, but do not choose a provider only because the fee says zero. Compare the total amount received in INR, the exchange-rate markup, delivery time, and what happens if the transfer is delayed or cancelled.

What all applications can I use to transfer money to India?

There are many providers in the market. The list below includes tools I tried earlier and other common providers, but some details have changed since the original version of this article. Always confirm whether the provider still supports Germany to India transfers before creating an account.

1. Revolut

Revolut is a bank where you can open your account online from your home. The standard plan is free of cost, so you can keep this account as a side account to make payments when you are travelling in another country. They also provide you with a free Debit Card.

For sending money home, they give you the best rate possible for transferring up to Є1000. Once this limit is reached, a fair usage fee of 0.5% is applied. Please note if you are making a transfer during the weekend, then additional weekend transfer charges may apply. You can make bank transfers to 200+ countries.

The old screenshot below is from 15.08.2022 and should not be used as the current Revolut EUR-INR rate. If Revolut supports your transfer route, check the live rate, fair-usage limits, weekend markup and any plan-based fees before sending. Sign up link: Register Here

2. Instarem

Instarem is a great option to send money home. It provides fast, convenient and cost-effective services to transfer money globally. They offer great forex rates with low transfer fees without any hidden costs. Instarem has been simplifying money and payments for students and ex-pats for some years now.

If you choose to try this application you can use my referral link: Register Here

3. Wise (Formerly known as Transferwise)

Wise or Transferwise is one of the trustworthy names in the market for sending money to India from any part of the world.

Wise is also one of the fastest ways of sending money to India because they do offer a quick transfer mode as well but in this case, they charge more fees. Normally whatever amount you are sending gets credited to your Indian bank account in 1 business day.

If you want to send money with Wise, use the live calculator. Wise generally shows the fee and exchange rate upfront, but the cheapest payment method and speed can vary. The table below is a historical 15.08.2022 example for sending €1000 to India, not a current quote.

Historical Wise fee example from 2022:

	Fast Transfer	Low-Cost Transfer	Easy Transfer
Wise	€ 11.36	€ 7.31	€ 8.50

4. Rewire

Rewire update: Rewire EU has discontinued its services. I previously used this application and received a fast transfer, but I would not treat Rewire as a current option for new Germany-to-India transfers.

If you previously had a Rewire wallet, check the current Rewire/Intersolve information about wallet balances. New users should compare active providers instead.

Now let us talk business, below is the sample for sending 1000 Euro to India on 22.08.2022 using Rewire.

So normally rewire gives less rate for the transfer but since their fees is comparatively less ultimately you get more money in your bank account.

5. Skrill

I am really not sure why people don’t talk about Skrill when someone asks How to Transfer Money to India from Germany. Because I found this application really awesome with a perfect rate of transfer and above all it is free.

Yes you heard it right, Transferring money to India using Skrill is free but just so that you are aware of it, Normally it takes around 2-3 working days for you to receive the money in your Indian bank account.

So if you want to transfer 1000 Euros from Germany to India then below is the amount you will get in the Indian bank account and you pay Zero Fees while using Skrill.

6. Remitly

Remitly is a nice application for sending money to India from Germany is Remitly and if you are a first-time user of this application then you will get a 1-time free usage of sending money to India.

Now when you are using this application for the first time they offer a really sick rate of transfer and the fees charged by them is Zero for the first transfer.

So let us suppose I am a new user and I want to transfer 1000 Euro to India then below is what I will get in the Indian bank account.

But the above rate is only for the first-time user, If you are a normal user of this application then you will get something like the below in your bank account

App Name	Transfer Amount	Rate	Fees	Amount Received
Remitly	1000	79.77 (22.08.2022)	0	79,777

7. Currencyfair

Let’s talk about Currencyfair a really interesting application which offers you around 10 free transactions to transfer money to India from Germany. I have personally not tried it yet to be honest, but the overall reviews are great.

And the rate of transfer is absolutely at par with all the options which I shared above so you have to try that out if you want.

8. ICICI Bank Money2India

Now if you are a fan of brands then you would really want to check about the new way of sending money to India from Europe/Germany ICICI bank options Money 2 India.

The signup process for this is pretty simple and you will get a really comparable rate for transfer. Since this is a trusted well renowned bank in India, you can also give it a try.

9. XE

XE was something new which came out in the research while writing this post and the rate of interest offered by them was also really good so this had to be added to our list of applications or websites to use to transfer money to India from Germany.

10. Transfer Go

If you are choosing to send money using Transfer Go then signing up to this website would hardly take a minute for you. The transfer fee and day taken for transfer is similar to other modes of money transfer.

11. Azimo – historical option

Azimo was previously a consumer money transfer app, but it is now part of Papaya Global and is no longer a normal consumer remittance option. Treat this section as historical context, not a current recommendation.

12. World Remit

I really liked the UI interface of this website and the signup process was lightning fast. The interesting thing about this is that if you are joining via your friend’s link then you end up getting 25 Euro extra in your bank account.

So who doesn’t love extra money earned through referrals?

The most interesting part of this website was the lightning-fast speed of the transfer. They charge around 1.99 Euro and the transfer happens within minutes.

13. Paysend

If you are choosing Paysend as your application for sending money to India from Germany then one thing to note is that with the normal plan you get the limit of 1000 Euro to be sent every month. In this case, you don’t have to share your personal documents with them.

If you choose to upgrade then you have to submit the personal documents and once the Paysend teams verified it then after that you can send money for higher limits.

14. Western Union

I think we all have grown up seeing Western Union advertisements on television. Let us talk about Western Union a much-known name to the wider audience for transferring money worldwide.

Hence, last but not the least, this is also a great option to transfer money from Europe to India or Germany to India

Which application/Website is the best to Transfer Money to India?

The best app can change from transfer to transfer. Before sending, compare at least two active providers on the same day, check the final INR received, confirm the recipient details, and send a small test transfer before using a new provider for a large amount.

FAQs on Sending Money to India from germany

Below are some more interesting posts for Expats and students living in Germany:

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• Top 5 Amazing Resources to Learn German Faster
• The Complete Guide to Finding a Doctor in Germany
• The Complete Guide to Cordless Vacuum Cleaners in Germany