Send Money to Bangladesh from Germany (2026)

Sending Money from Germany to Bangladesh

Germany is home to a growing Bangladeshi community, particularly in Berlin, Frankfurt, Hamburg, and Munich. Germany uses the euro, and the EUR to BDT corridor is fully supported by major international money transfer services. German senders benefit from free SEPA bank transfers for funding, which reduces the overall cost significantly compared to card-funded transfers.

Best Money Transfer Services from Germany

These services are available in Germany and well-suited for Bangladesh transfers:

• ✓Wise — best rate, supports SEPA funding from German banks. Bank account or bKash delivery.
• ✓TapTap Send — zero fees from Germany, competitive EUR/BDT rate.
• ✓Remitly — available from Germany. Express or Economy. Good first-transfer promotions.
• ✓WorldRemit — available from Germany. bKash, Rocket, and bank supported.
• ✓Western Union — large German agent network. Online or in-person.
• ✓Ria Money Transfer — available from Germany with bKash delivery.

SEPA Transfer: Why It Saves You Money

Germany's banking system uses SEPA (Single Euro Payments Area) for transfers within Europe. When you fund a Wise or Remitly transfer via SEPA bank transfer instead of debit card, the fee is often zero or very low. This makes Germany one of the more cost-efficient sending countries for Bangladesh transfers. Most German banks support SEPA transfers instantly or within one business day.

EUR to BDT Rate from Germany

The EUR/BDT exchange rate is consistent across the eurozone. As of April 2026:

• ✓Mid-market rate: approximately 115–125 BDT per euro
• ✓Wise: mid-market rate (0% markup), plus ~0.41–0.7% fee for SEPA transfers
• ✓TapTap Send: approximately 1–1.5% below mid-market, zero fee
• ✓Remitly: approximately 1–2% below mid-market, moderate fee
• ✓German bank wire: approximately 3–5% below mid-market, plus €15–25 SWIFT fee

bKash Delivery from Germany

All major providers support bKash delivery from Germany. Wise, TapTap Send, Remitly, and WorldRemit let you enter the recipient's bKash phone number and deliver within minutes to hours. This is much faster than bank transfer and requires no bank account from the recipient.

Bangladesh 2.5% Government Incentive

The Bangladesh government's 2.5% cash incentive applies to all formal remittances from Germany. Recipients automatically receive 2.5% extra in BDT. For a €500 transfer, this adds approximately 1,450 BDT to what your recipient receives — a significant bonus that no informal channel provides.

Tips for German Bangladeshis

Advice specific to senders in Germany:

• ✓Use SEPA instant transfer to fund Wise — usually free and instant from major German banks
• ✓N26, DKB, and Commerzbank all support SEPA for funding international transfer apps
• ✓TapTap Send and Wise are the most cost-effective options from Germany
• ✓Avoid Deutsche Bank or Commerzbank international wire — expensive and slow
• ✓Compare rates before every transfer on Beshii — EUR/BDT moves
• ✓For first-time transfers, check Remitly and WorldRemit promotional rates