Send Money from Germany to Romania

Measured on the full cost — the transfer fee plus the exchange-rate margin — Wise is cheapest on this corridor at €1,000, across the 3 providers we hold checked figures for. Paysend advertises no transfer fee here, which looks cheaper and often is not: a provider with no fee recovers it in the rate, and the margin is usually the larger of the two costs. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Romanian leus rather than the headline fee.

At €1,000, Wise is the cheapest of the 3 providers priced at that amount on this corridor: about €6.26 all in, or 0.63% of the amount sent. Remitly is next at about €7.59. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at €1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Yes. Up to €100, Remitly costs least on this corridor; from €250 upwards, Wise does. The change happens somewhere between those two amounts — they are the amounts actually priced, so naming a precise crossing point would be a guess dressed as a figure. This happens because a transfer costs a flat fee plus a percentage of the amount, and those two scale in opposite directions: on a small transfer the fee dominates, on a large one the exchange-rate margin does. It is why a comparison taken at a single amount can point you at the wrong provider for yours.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Paysend, TransferGo and Instarem can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are bank deposit, cash pickup, card payout and mobile wallet. The most widely used options in Romania are bank deposit to a mature banking network, plus cash pickup including the post office. Romania is in the EU but not the eurozone — sending euros instead of lei usually triggers a second conversion at the recipient's bank. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Romania, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit to a mature banking network, plus cash pickup including the post office generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For EUR to RON, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Germany under BaFin, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly €10,000, a specialist foreign-exchange broker will often beat an app on rate.

Romania is not listed among receiving countries on its German site and no Germany to Romania page is published no Germany to Romania page is published on its German site its German-market site publishes no Romania destination page If you already use those services, you will need an alternative from the comparison table above for this corridor.

Romania is in the European Union but has not adopted the euro, so sending from Germany means converting euros to lei. SEPA rules govern the euro funding leg only and place no cap at all on the conversion cost. Payout currency is a real choice here: TransferGo publishes that recipients can be paid in lei or in euros, so confirm which currency the recipient's account is denominated in before choosing a provider, or the money converts twice. Coverage is thinner than for Poland from the same hub. WorldRemit and Panda Remit publish no Germany to Romania page and Ria's German site has no Romania destination page, which leaves the bank-transfer providers as the documented options.