Germany Price Comparison Research 2026

A dedicated comparison research team in Wise compared Wise to 5 German bank accounts, as well as PayPal, Revolut and Western Union. The research found that customers can save up to 80% on average when sending money from Germany. There are no account setup fees, monthly fees, or minimum balance requirements with a Wise account. This is based on the prices offered by Wise Europe SA during the research period.

Research methodology

The competitor research was collected over a 5-day period in June 2026 (15/06/2026 - 19/06/2026). Data was gathered by simulating transfers using live accounts on each provider's website during standard trading hours, at the same time each day whenever possible, to ensure consistency.

The research examined the cost of sending 250 EUR to AED, BRL, CHF, GBP, IDR, INR, MXN, THB, TRY and USD (converting to the corresponding currency).

The costs for spending money abroad include both the foreign transaction fee and any exchange rate markup. The exchange rate markup is a percentage added to the mid-market exchange rate by a provider when selling you a currency.

How We Calculated Price Claims

Comparing fees: For the EUR to target currency pairs, we compared Wise's total cost to the total cost charged by competitors.

Calculating savings: The percentage saved is calculated by comparing Wise's average cost against the average competitor cost. For example, a 80% saving means Wise's total cost is up to 80% lower than the average competitor total cost.

1. Total cost to send 250€. Overall, Wise is on average 6x cheaper.

Sending 250€ to another country? Wise will cost up to 80% less compared to how you’re doing it now.

EUR > AED: Wise is on average 5x cheaper

Wise: 4.22€
Stadtsparkasse Munchen: 47.28€
CommerzBank: 10.07€
Deutsche Bank: 26.31€
Volksbank: 39.81€
ING DiBa: Not offered
Revolut: 3.59€
PayPal: 14.24€
Western Union: 14.65€

EUR > BRL: Wise is on average 6x cheaper

Wise: 3.38€
Stadtsparkasse Munchen: 54.40€
CommerzBank: Not offered
Deutsche Bank: Not offered
Volksbank: 36.53€
ING DiBa: Not offered
Revolut: 2.73€
PayPal: 16.85€
Western Union: 7.72€

EUR > CHF: Wise is on average 7x cheaper

Wise: 2.75€
Stadtsparkasse Munchen: 44.05€
CommerzBank: 4.75€
Deutsche Bank: 22.67€
Volksbank: 36.46€
ING DiBa: 24.53€
Revolut: 2.41€
PayPal: 14.94€
Western Union: 16.19€

EUR > GBP: Wise is on average 9x cheaper

Wise: 2.17€
Stadtsparkasse Munchen: 43.74€
CommerzBank: 4.76€
Deutsche Bank: 22.49€
Volksbank: 36.17€
ING DiBa: 24.45€
Revolut: 1.88€
PayPal: 14.90€
Western Union: 10.41€

EUR > IDR: Wise is on average 8x cheaper

Wise: 2.77€
Stadtsparkasse Munchen: 50.08€
CommerzBank: Not offered
Deutsche Bank: Not offered
Volksbank: 41.18€
ING DiBa: Not offered
Revolut: 2.19€
PayPal: 14.91€
Western Union: 7.40€

EUR > INR: Wise is on average 8x cheaper

Wise: 2.43€
Stadtsparkasse Munchen: 44.24€
CommerzBank: Not offered
Deutsche Bank: 25.00€
Volksbank: 40.60€
ING DiBa: Not offered
Revolut: 2.17€
PayPal: 14.36€
Western Union: 3.38€

EUR > MXN: Wise is on average 7x cheaper

Wise: 2.67€
Stadtsparkasse Munchen: 44.16€
CommerzBank: 10.37€
Deutsche Bank: 25.03€
Volksbank: 38.53€
ING DiBa: Not offered
Revolut: 2.23€
PayPal: 15.49€
Western Union: 5.74€

EUR > THB: Wise is on average 5x cheaper

Wise: 3.95€
Stadtsparkasse Munchen: 49.08€
CommerzBank: 9.73€
Deutsche Bank: 26.37€
Volksbank: 41.80€
ING DiBa: 27.11€
Revolut: 2.76€
PayPal: 15.96€
Western Union: 6.53€

EUR > TRY: Wise is on average 2x cheaper

Wise: 8.23€
Stadtsparkasse Munchen: 42.85€
CommerzBank: 9.48€
Deutsche Bank: 21.78€
Volksbank: 35.41€
ING DiBa: 27.11€
Revolut: 4.48€
PayPal: 15.69€
Western Union: 5.88€

EUR > USD: Wise is on average 7x cheaper

Wise: 2.70€
Stadtsparkasse Munchen: 43.81€
CommerzBank: 4.79€
Deutsche Bank: 22.36€
Volksbank: 36.46€
ING DiBa: 24.62€
Revolut: 2.42€
PayPal: 14.34€
Western Union: 7.24€

Fees to spend 250€ using a debit card. Overall, Wise Multi-Currency Card is on average 2x cheaper.

It’s up to 60% cheaper to spend 250€ overseas with Wise.

EUR > AED: Wise is on average 3x cheaper

Wise: 1.14€
Stadtsparkasse Munchen: 4.25€
CommerzBank: 3.98€
Deutsche Bank: 3.75€
Volksbank: 4.75€
ING DiBa: 5.50€
Revolut: 0.00€
PayPal: Not offered
Western Union: Not offered

EUR > BRL: Wise is not significantly cheaper

Wise: 2.52€
Stadtsparkasse Munchen: 4.25€
CommerzBank: 3.98€
Deutsche Bank: 3.75€
Volksbank: 4.75€
ING DiBa: 5.50€
Revolut: 0.00€
PayPal: Not offered
Western Union: Not offered

EUR > CHF: Wise is on average 3x cheaper

Wise: 1.07€
Stadtsparkasse Munchen: 4.25€
CommerzBank: 3.98€
Deutsche Bank: 3.75€
Volksbank: 4.75€
ING DiBa: 5.50€
Revolut: 0.00€
PayPal: Not offered
Western Union: Not offered

EUR > GBP: Wise is on average 3x cheaper

Wise: 1.19€
Stadtsparkasse Munchen: 4.25€
CommerzBank: 3.98€
Deutsche Bank: 3.75€
Volksbank: 4.75€
ING DiBa: 5.50€
Revolut: 0.00€
PayPal: Not offered
Western Union: Not offered

EUR > IDR: Wise is on average 2x cheaper

Wise: 1.44€
Stadtsparkasse Munchen: 4.25€
CommerzBank: 3.98€
Deutsche Bank: 3.75€
Volksbank: 4.75€
ING DiBa: 5.50€
Revolut: 0.00€
PayPal: Not offered
Western Union: Not offered

EUR > INR: Wise is on average 2x cheaper

Wise: 1.41€
Stadtsparkasse Munchen: 4.25€
CommerzBank: 3.98€
Deutsche Bank: 3.75€
Volksbank: 4.75€
ING DiBa: 5.50€
Revolut: 0.00€
PayPal: Not offered
Western Union: Not offered

EUR > MXN: Wise is on average 2x cheaper

Wise: 1.61€
Stadtsparkasse Munchen: 4.25€
CommerzBank: 3.98€
Deutsche Bank: 3.75€
Volksbank: 4.75€
ING DiBa: 5.50€
Revolut: 0.00€
PayPal: Not offered
Western Union: Not offered

EUR > THB: Wise is on average 2x cheaper

Wise: 1.84€
Stadtsparkasse Munchen: 4.25€
CommerzBank: 3.98€
Deutsche Bank: 3.75€
Volksbank: 4.75€
ING DiBa: 5.50€
Revolut: 0.00€
PayPal: Not offered
Western Union: Not offered

EUR > TRY: Wise is on average 3x cheaper

Wise: 1.09€
Stadtsparkasse Munchen: 4.25€
CommerzBank: 3.98€
Deutsche Bank: 3.75€
Volksbank: 4.75€
ING DiBa: 5.50€
Revolut: 0.00€
PayPal: Not offered
Western Union: Not offered

EUR > USD: Wise is on average 3x cheaper

Wise: 1.14€
Stadtsparkasse Munchen: 4.25€
CommerzBank: 3.98€
Deutsche Bank: 3.75€
Volksbank: 4.75€
ING DiBa: 5.50€
Revolut: 0.00€
PayPal: Not offered
Western Union: Not offered

3. Fees to withdraw 250€ abroad via an ATM, using a debit card. Overall, Wise Multi-Currency Card is on average 4x cheaper.

It’s up to 75% cheaper to withdraw 250€ overseas with Wise.

EUR > AED: Wise is on average 5x cheaper

Wise: 1.14€
Stadtsparkasse Munchen: 10.38€
CommerzBank: 9.75€
Deutsche Bank: 7.25€
Volksbank: 6.00€
ING DiBa: 5.50€
Revolut: 1.00€
PayPal: Not offered
Western Union: Not offered

EUR > BRL: Wise is on average 2x cheaper

Wise: 2.52€
Stadtsparkasse Munchen: 10.38€
CommerzBank: 9.75€
Deutsche Bank: 7.25€
Volksbank: 6.00€
ING DiBa: 5.50€
Revolut: 1.00€
PayPal: Not offered
Western Union: Not offered

EUR > CHF: Wise is on average 6x cheaper

Wise: 1.07€
Stadtsparkasse Munchen: 10.38€
CommerzBank: 9.75€
Deutsche Bank: 7.25€
Volksbank: 6.00€
ING DiBa: 5.50€
Revolut: 1.00€
PayPal: Not offered
Western Union: Not offered

EUR > GBP: Wise is on average 5x cheaper

Wise: 1.19€
Stadtsparkasse Munchen: 10.38€
CommerzBank: 9.75€
Deutsche Bank: 7.25€
Volksbank: 6.00€
ING DiBa: 5.50€
Revolut: 1.00€
PayPal: Not offered
Western Union: Not offered

EUR > IDR: Wise is on average 4x cheaper

Wise: 1.44€
Stadtsparkasse Munchen: 10.38€
CommerzBank: 9.75€
Deutsche Bank: 7.25€
Volksbank: 6.00€
ING DiBa: 5.50€
Revolut: 1.00€
PayPal: Not offered
Western Union: Not offered

EUR > INR: Wise is on average 4x cheaper

Wise: 1.41€
Stadtsparkasse Munchen: 10.38€
CommerzBank: 9.75€
Deutsche Bank: 7.25€
Volksbank: 6.00€
ING DiBa: 5.50€
Revolut: 1.00€
PayPal: Not offered
Western Union: Not offered

EUR > MXN: Wise is on average 4x cheaper

Wise: 1.61€
Stadtsparkasse Munchen: 10.38€
CommerzBank: 9.75€
Deutsche Bank: 7.25€
Volksbank: 6.00€
ING DiBa: 5.50€
Revolut: 1.00€
PayPal: Not offered
Western Union: Not offered

EUR > THB: Wise is on average 3x cheaper

Wise: 1.84€
Stadtsparkasse Munchen: 10.38€
CommerzBank: 9.75€
Deutsche Bank: 7.25€
Volksbank: 6.00€
ING DiBa: 5.50€
Revolut: 1.00€
PayPal: Not offered
Western Union: Not offered

EUR > TRY: Wise is on average 6x cheaper

Wise: 1.09€
Stadtsparkasse Munchen: 10.38€
CommerzBank: 9.75€
Deutsche Bank: 7.25€
Volksbank: 6.00€
ING DiBa: 5.50€
Revolut: 1.00€
PayPal: Not offered
Western Union: Not offered

EUR > USD: Wise is on average 5x cheaper

Wise: 1.14€
Stadtsparkasse Munchen: 10.38€
CommerzBank: 9.75€
Deutsche Bank: 7.25€
Volksbank: 6.00€
ING DiBa: 5.50€
Revolut: 1.00€
PayPal: Not offered
Western Union: Not offered

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.