International money transfer fees explained

International money transfer costs vary depending on the destination, payment and receiving methods, and the amount you want to send from Germany. Discover more about our fees for moving funds online, via our app or in person.


    FX: 1.00 EUR – Exchange Rates and Fees shown are estimates, vary by a number of factors including payment and payout methods, and are subject to change. To check current rates and other options, simply click “Send now”. X Fee:

    Be informed. Be aware. Protect yourself from fraud

    Be informed. Be aware.

    We encrypt your transfers

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    We’ve sent money around the world for over 150 years

    How to transfer money internationally with Western Union

    Register for free

    Log in or register for a free profile to send money from Germany. You’ll need to verify your profile when transferring more than 1,000 EUR – which you can do using your driver’s license, passport or government-issued ID.

    Specify your transfer details

    Enter the destination, amount you want to send and the receiving method. Select the receiving currency if there’s an option to do so. You’ll get a free estimate of the Western Union fees1 at this time – so you can easily work out the total international money transfer costs with no obligation to send later.

    Add your receiver’s details

    Enter your receiver’s details to transfer money to their bank account. To send funds for cash pickup, provide their name and address.

    Pay and send

    Check you’re happy with the international money transfer fees1 and total, then pay for your transfer with your credit2 or debit card, bank account or Sofort. You can also use Apple Pay® when sending money via the Western Union® app.

    Confirm and track money transfers

    Confirm and pay and we’ll send you a confirmation email with your unique tracking number (MTCN) to track your money transfer.

    Ways to transfer and receive money internationally – with transparent fees

    Register to transfer money internationally today

    Quick and easy registration

    Register for free to start sending money online, via our app and in person today. It’s quick and convenient, so you can move money internationally with ease.

    Track your money transfer

    Track your money transfer online or via our app using your unique tracking number (MTCN) included with your receipt. Full transparency means you can always see where your money is.

    Pay the way that works for you

    Pay using your bank account, credit2/debit card or cash – if making an international money transfer in person. You can also use Sofort and Apple Pay® when sending money via our app.

    Convenient locations

    Send money to a Western Union agent location near your receiver. You can also find a convenient agent location near you to send money in person.

    Why choose Western Union for international money transfers?

    Ease and convenience

    Send money internationally in a convenient way for you – online, on our app or in person at an agent location.

    Commitment to security

    Our encryption and fraud prevention efforts help protect your Western Union money transfers.

    Worldwide reach

    We move money from Germany to more than 200 countries and territories around the world – including to hundreds of thousands agent locations.

    International money transfers in a few taps with our app

    Check the latest currency exchange rates and international money transfer fees1.

    Track your money transfer in real time on the move.

    Save receiver details to send money again quickly to friends and family.

    Rating as of 7 May, 2024.

    Frequently asked questions

    What are Western Union’s international transfer fees1?

    Western Union transfer fees1 vary depending on the destination, money transfer amount, payment and receiving method. These are the general international money transfer fees1 for:

    • Sending money online
    • Sending money via the Western Union® app
    • Sending money in person: The transfer fees1 charged by Western Union and the exchange rates1 applied are explained in the money transfer form. This is provided at the agent location where you carry out the money transfer.

    If you use a credit card2 to send money online or over the phone, a credit card issuer cash advance fee and associated interest charges may apply. You can avoid these fees by using a debit card.

    How can I estimate the price of my Western Union money transfer?

    If you send money online or via our app, you can get a free estimate anytime with no obligation to send money later. Visit the send money form and enter your destination and the amount you want to send. You will see estimated currency exchange rates, money transfer fees1, delivery times and the money transfer total.

    Transfer fees1 and exchange rates provided are estimates only and are not guaranteed. Additional taxes and fees may apply.

    How do I check Western Union’s transfer fees1 and exchange rates with the app?

    If you want to send money from Germany with our app, you can check the Western Union transfer fees1 and exchange rates before you complete your transfer. Transfer fees1 vary depending on the destination, transfer amount, and payout method. You’ll be able to see them in the Western Union® mobile app.

    Have more questions about money transfer fees1?

    Still have questions about our money transfer fees1 and exchange rates? We’re here to help!

    Visit our main FAQ page or contact our customer service to clarify your questions.

    1 Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.

    2 If you’re using a credit card, a card-issuer cash advance fee and associated interest charges may apply. To avoid these fees or for reduced fees, use a debit card or check other payment methods.

    3 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, agent location hours, differences in time zones, or selection of delayed options. For mobile transactions funds will be paid to the receiver’s Mobile Wallet account provider for credit to the account tied to the receiver’s mobile number. Additional third-party charges may apply, including SMS and account over-limit and cash-out fees. See the transfer form for restrictions.

    4 Funds will be paid to receiver’s Mobile Wallet account provider for credit to account tied to receiver’s mobile number. Additional third-party charges may apply, including SMS and account over-limit and cash-out fees. Funds availability subject to terms and conditions of service. See Mobile Form for restrictions.