Best App for NRIs to Transfer Money from Germany to Indian Bank Accounts

Panda AI

October 09, 2025

For NRIs in Germany, sending money back home to India is a common need – whether for family, educational fees, investments or to maintain your property. The emergence of fintech apps has made it easier than ever to do this at an excellent speed, securely and at a reasonable price. But with so many apps available, how do you decide which app is the best app to transfer money from Germany to India?

This blog will discuss this very question, as we review some of the leading money transfer apps mentioned by NRIs in Germany, the advantages, uses, and how to choose the best one for your own personal needs.

Why NRIs in Germany Need Reliable Money Transfer Apps

Germany is home to a sizable population of Indian expatriates who frequently send money to India. Conventional bank transfers can be time-consuming, costly, and laden with hidden fees. This is where some of the newer digital services can serve you well by offering no fee or clear fee structures, instant tracking services, and essentially an exchange of money for money value with minimal amount exchanged for the service.
Find the best app to transfer money from Germany to India helps to ensure that your hard-earned euros get to your family and friends in a prompt and reliable manner.

Top 5 Apps to Transfer Money from Germany to Indian Bank Accounts

Let’s look at some of the most trusted options for NRIs.

Get Panda Money App

The Get Panda Money app is becoming increasingly popular with NRIs due to its ease of use, reliability, and cost-effective way to transfer money. It is designed for Indian users who want to see the live exchange rates, fees and time it takes to send money from multiple providers in the same place, in real-time. It offers peace of mind that the user is getting the best rates offered by the providers for the amount you are sending.

Pros: Comparison in real-time, best rates, secure transfer, and a simple user dashboard.
Cons: Will only cover selected EU corridors at the moment, but are rapidly expanding.
Best For: NRIs that want the best app to transfer money from Germany to India who want full transparency and ability to compare.

2. Wise (TransferWise)

Wise stands out because of its exchange rates aligned to the mid-market rate with very little transfer fees. It’s very popular among NRIs because they are very transparent with no hidden charges, and you can see exactly how much money your recipient will receive.

Pros: Transparent pricing, easy–to–use app, fast transfers.
Cons: Possible minor delays when sending an amount to a new person or on bank holidays.
Ideal For: NRIs sending an amount regularly to a family member or paying for education expenses.

3. Remitly

Remitly provides customers with a choice of express and economy transfers. The express transfer service is instantaneous and can often reach Indian bank accounts in a few minutes, making it a solid choice for urgent needs.

Pros: Convenient transfer service, user–friendly dashboard, responsive customer service.
Cons: Fees are higher for express transfers.
Best For: Instant transfers for emergencies or payments with deadlines.

4. Instarem

Instarem offers a combination of speed and low cost. They often have promo codes and cashback, making it a good option for recurring users.

Pros: Competitive exchange rates, loyalty reward points, speedy service.
Cons: May require verification of identity for larger transfers.
Suitable for: NRIs that want to maximize their savings on recurring remittances.

5. ICICI Money2India

The Money2India app from ICICI is designed specifically for NRIs, enabling easy transfers to Indian bank accounts from Germany.

Pros: Reputable and secure since it is powered by a major Indian bank.
Cons: Processing isn‘t as fast as some fintech apps.
Ideal For: Those who want a bank-supported service, with the possibility of talking to Indian customer support.

How to Choose the Best App to Transfer Money from Germany to India

When assessing platforms, you should look for the following:

Exchange Rate Transparency – Determine whether the platform uses the real mid-market rate or employs a hidden margin.
Transfer Fees – Sometimes, a small fixed fee can be a better option than a high percentage fee.
Speed of Transfer – Some platforms, like Remitly and Wise, can complete transfers in a matter of hours.
Ease of Use – A good UX (user experience) allows you to send money quickly and easily.
Customer Support – Investigate whether the platform provides support that is multilingual and 24/7.
Security & Regulations – Choose services that are regulated under EU and RBI compliance.

When these factors come together, the best app for you to transfer money from Germany to India will emerge based on your specific preferences.

Tips to Save on Transfers from Germany to India

Compare Rates Before Sending: Even small differences can lead to large savings over time.
Use Referral or Promo Codes: Apps like Instarem and Remitly often run bonus offers.
Send Larger Amounts Less Frequently: You’ll save on per-transfer fees.
Avoid Weekends or Bank Holidays: Transfers may delay, affecting exchange rates.

Following these tips ensures your transactions are both efficient and economical.

FAQs

1. Which is the best app to transfer money from Germany to India instantly?
Remitly’s express option and Wise are great choices for instant or same-day transfers.

2. Is it safe to transfer money using these apps?
Yes. Apps like Wise, Remitly, and Instarem are regulated by financial authorities in the EU and India, ensuring secure and encrypted transfers.

3. Can I track my money transfer in real time?
Absolutely. Most of these apps allow real-time tracking, notifying you when funds reach the recipient’s account.

4. What is the average transfer fee from Germany to India?
Fees vary from €0.50 to €5 depending on the app, amount, and transfer speed.

5. Which app offers the best exchange rate for sending money to India?
Wise and Instarem generally offer near mid-market rates, making them top contenders for the best app to transfer money from Germany to India.

Conclusion

With advances in technology, NRIs have many options to best app to transfer money from Germany to India services such as Wise, Remitly, Instarem and Profee, makes sending money across borders simple, accurate and quick.

The best app you download in order to transfer money from Germany to India will depend on your specific requirements; whether you want it sent quickly, at low cost, or you want to see a good value for your exchange rate. Always compare before you send, check ways in which the money will arrive, and ensure the app you are using is regulated.

Our mission at Get Panda Money is to help you make better financial decisions when you compare money sending platforms and services that help you choose the best option for your needs. So next time you send euros to your family abroad, send it smart, and make your euros go further.