You pay in EUR, the recipient gets EUR. Below are services that can do this today, ranked by how much actually arrives after all fees and exchange-rate markups.
Market rate: 1 EUR = 1.00 EUR
Best now: Ether.fi — send 500 EUR, receive about 500 EUR.
Estimates for 500 EUR; open the app for your own amount. · Updated:
Buy USDT for EUR in one service, send it (fees are cents), and sell it for EUR in another. Two steps, but often cheaper than a bank wire, and it works for corridors nobody serves directly.
Step 1 — EUR → USDT
Plasma One Best now
Loss vs market: 0.09%
559.57 USDT
SEPA (virtual IBAN via Bridge) → USDT to external wallet (Plasma)
Pick a service above and open it with our link (some give a bonus on the first transfer).
Register and pass a quick identity check — usually a passport photo, a few minutes.
Pay with a card or bank transfer in Germany; the recipient in Spain gets money to a card, account or wallet.
FAQ
What is the cheapest way to send money from Germany to Spain?
Compare the amount received, not the advertised fee: a "0% fee" service can hide 3% in the exchange rate. The list above already accounts for both.
How long does a transfer from Germany to Spain take?
Card-to-card and stablecoin transfers usually arrive within minutes; bank payouts can take up to 1–3 business days.
What is the EUR to EUR exchange rate today?
The mid-market rate is 1 EUR = 1.00 EUR. Services add their own markup; we show how much of it you lose.
Are these services legal and safe?
All listed services are public companies with their own licences and terms. Check the recipient's country rules and your bank's limits before a large transfer.