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Send money from Germany to Colombia(EUR → COP)
EUR
COP|Updated recentlyMid-market 4404.1553Cheapest todayof 13 providers
Ria Money Transfer
Rate 4391.8237 · Fee €0.90
You send
€1,000
Recipient gets
COL$4,387,871
COL$137,800 more than the most expensive provider · 0.28% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Germany to Colombia in May 2026 is Ria Money Transfer, which delivers 4,387,871.06 COP on a 1,000 EUR transfer with a fee of €0.90. According to SendMoneyCompare's comparison of 13 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 137,835 COP.
Last reviewed: by Awais Imran, Reviews Editor
↓
Rates are low right now
0th percentile
Based on 54 days of data (2026-03-28 to 2026-05-20)
Today's best
COL$437,129.1
InstaReM
54-day avg
1 EUR = 4267.67 COP
Best rate
4423.95
2026-05-14 · Ria Money Transfer
Worst rate
4371.29
2026-05-20 · InstaReM
What is the cheapest way to send EUR to COP?
Sending €1,000 from Germany to Colombia. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 4391.8237·Fee €0.90·0.28% markup
Best rate 48 of 54 days
↑ 4.3% over 50dAvg: 4251.78 COP (+4.0% vs avg)Range: 4240.79–4423.95
1
Ria Money TransferBest value
Minutes to 2 days0.28% markup
Best rate 48 of 54 days
↑ 4.3% over 50dAvg: 4251.78 COP (+4.0% vs avg)Range: 4240.79–4423.95
4391.8237
€0.90
COL$4,387,871.06
Rate 4371.1242·Fee Free·0.75% markup
↑ 3.9% over 45dAvg: 4268.74 COP (+2.4% vs avg)Range: 4173.53–4409.70
2
1-3 business days0.75% markup
↑ 3.9% over 45dAvg: 4268.74 COP (+2.4% vs avg)Range: 4173.53–4409.70
4371.1242
Free
COL$4,371,124.17
Rate 4364.9584·Fee Free·0.89% markup
↓ 0.8% over 7dAvg: 4387.86 COP (-0.5% vs avg)Range: 4365.00–4400.00
3
Under 3 minutes (95% of transfers)0.89% markup
↓ 0.8% over 7dAvg: 4387.86 COP (-0.5% vs avg)Range: 4365.00–4400.00
4364.9584
Free
COL$4,364,958.35
Rate 4358.7925·Fee Free·1.03% markup
↓ 0.7% over 7dAvg: 4366.71 COP (-0.2% vs avg)Range: 4356.90–4387.73
4
4358.7925
Free
COL$4,358,792.54
Rate 4369.3625·Fee €2.99·0.79% markup
↓ 0.7% over 7dAvg: 4378.24 COP (-0.3% vs avg)Range: 4367.36–4398.65
5
4369.3625
€2.99
COL$4,356,298.12
Rate 4344.2588·Fee Free·1.36% markup
Most stable rate
↓ 0.3% over 7dAvg: 4346.04 COP (-0.1% vs avg)Range: 4335.41–4357.73
6
0-3 days1.36% markup
Most stable rate
↓ 0.3% over 7dAvg: 4346.04 COP (-0.1% vs avg)Range: 4335.41–4357.73
4344.2588
Free
COL$4,344,258.82
Rate 4352.6267·Fee €3.00·1.17% markup
↓ 0.9% over 7dAvg: 4363.93 COP (-0.5% vs avg)Range: 4344.37–4385.98
7
4352.6267
€3.00
COL$4,339,568.84
Rate 4336.3313·Fee Free·1.54% markup
↓ 0.7% over 7dAvg: 4351.31 COP (-0.4% vs avg)Range: 4334.61–4366.49
8
4336.3313
Free
COL$4,336,331.34
Rate 4344.6992·Fee €2.99·1.35% markup
↓ 0.8% over 7dAvg: 4343.77 COPRange: 4325.67–4378.40
9
4344.6992
€2.99
COL$4,331,708.59
Rate 4318.7147·Fee €2.99·1.94% markup
↑ 3.9% over 45dAvg: 4199.46 COP (+2.7% vs avg)Range: 4074.36–4363.43
10
Minutes to 3-5 days1.94% markup
↑ 3.9% over 45dAvg: 4199.46 COP (+2.7% vs avg)Range: 4074.36–4363.43
4318.7147
€2.99
COL$4,305,801.77
Rate 4403.7149·Fee €23.48·0.01% markup
↑ 4.3% over 53dAvg: 4284.58 COP (+2.8% vs avg)Range: 4163.49–4432.27
11
4403.7149
€23.48
COL$4,300,315.70
Rate 4285.6836·Fee €2.99·2.69% markup
2.7% markup
↓ 0.8% over 7dAvg: 4295.10 COP (-0.3% vs avg)Range: 4278.99–4317.09
12
0-3 days2.69% markup
2.7% markup
↓ 0.8% over 7dAvg: 4295.10 COP (-0.3% vs avg)Range: 4278.99–4317.09
4285.6836
€2.99
COL$4,272,869.36
Rate 4262.7820·Fee €2.99·3.21% markup
↑ 3.9% over 54dAvg: 4141.12 COP (+2.9% vs avg)Range: 4037.06–4308.05
13
Minutes to 3 days3.21% markup
↑ 3.9% over 54dAvg: 4141.12 COP (+2.9% vs avg)Range: 4037.06–4308.05
4262.7820
€2.99
COL$4,250,036.23
Potential savings: Choosing the best provider over the most expensive saves your recipient COL$137,834.83 on a €1,000 transfer.
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
Sending money from Germany to Colombia? Compare real-time exchange rates and fees across leading money transfer services. Find the provider that gives you the best COP amount today.
Whether you're supporting family in Colombia or paying for business services, finding the cheapest way to send money from Germany matters. Exchange rate markups and transfer fees add up — especially on regular transfers. Our real-time comparison helps you cut costs by showing the exact amount your recipient gets from each provider.
Which provider offers the best EUR to COP rate?
Ria Money Transfer
4.1Exchange rate
4391.8237
Fee
€0.90
Recipient gets
COL$4,387,871.06
Speed
Minutes to 2 days
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the Germany to Colombia route.
Cheapest transfer
Ria Money Transfer
Delivers the most COP for your money
Fastest transfer
Ria Money Transfer
Delivers in Minutes to 2 days
Cash pickup
Ria Money Transfer
Widest cash pickup network
Bank transfer
Ria Money Transfer
Best rate for bank deposit to Colombia
How to send money to Colombia
Sending money to Colombia is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much EUR you want to send, compare providers above, and pick the one offering the best COP amount for your transfer to Colombia.
Step 2
Add your recipient
Enter your recipient's details in Colombia — you'll need their bank account number. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit typically takes 1–2 business days.
What you need to send money to Colombia
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full legal name as registered with their bank
Bank account number
Colombian bank account number (savings or checking)
Bank name
Name of the receiving bank (e.g. Bancolombia, Banco de Bogotá, Davivienda)
Cédula number
Recipient's Colombian identification number (Cédula de Ciudadanía)
Account type
Savings account (Ahorros) or checking account (Corriente)
Note: Colombia requires the recipient's Cédula (national ID number) for all incoming transfers. You also need to specify whether it's a savings (Ahorros) or checking (Corriente) account.
Transfer examples: EUR to COP
See how much your recipient would get for common transfer amounts.
Send €500
ProviderFeeReceives
Ria Money Transfer
4391.82 · Minutes to 2 days
InstaReM
4371.12 · 1-3 business days
TapTap Send
4364.96 · Under 3 minutes (95% of transfers)
Wise
4403.71 · 2 min
MoneyGram
4369.36 · 0-1 days
Dahabshiil
4344.26 · 0-3 days
ProviderFeeRateReceivesSpeed
Ria Money Transfer€0.904391.82COL$2,191,959Minutes to 2 days
InstaReMFree4371.12COL$2,185,5621-3 business days
TapTap SendFree4364.96COL$2,182,479Under 3 minutes (95% of transfers)
Wise€4.534403.71COL$2,181,9092 min
MoneyGram€0.994369.36COL$2,180,3560-1 days
DahabshiilFree4344.26COL$2,172,1290-3 days
Send €1,000
ProviderFeeReceives
Ria Money Transfer
4391.82 · Minutes to 2 days
InstaReM
4371.12 · 1-3 business days
TapTap Send
4364.96 · Under 3 minutes (95% of transfers)
XE
4358.79 · 0-3 days
MoneyGram
4369.36 · 0-1 days
Dahabshiil
4344.26 · 0-3 days
ProviderFeeRateReceivesSpeed
Ria Money Transfer€0.904391.82COL$4,387,871Minutes to 2 days
InstaReMFree4371.12COL$4,371,1241-3 business days
TapTap SendFree4364.96COL$4,364,958Under 3 minutes (95% of transfers)
XEFree4358.79COL$4,358,7930-3 days
MoneyGram€2.994369.36COL$4,356,2980-1 days
DahabshiilFree4344.26COL$4,344,2590-3 days
Send €5,000
ProviderFeeReceives
Wise
4403.71 · 2 min
Ria Money Transfer
4391.82 · Minutes to 2 days
InstaReM
4371.12 · 1-3 business days
MoneyGram
4369.36 · 0-1 days
TapTap Send
4364.96 · Under 3 minutes (95% of transfers)
XE
4358.79 · 0-3 days
ProviderFeeRateReceivesSpeed
Wise€4.534403.71COL$21,998,6262 min
Ria Money Transfer€0.904391.82COL$21,955,166Minutes to 2 days
InstaReMFree4371.12COL$21,855,6211-3 business days
MoneyGram€0.994369.36COL$21,842,4870-1 days
TapTap SendFree4364.96COL$21,824,792Under 3 minutes (95% of transfers)
XE€4.004358.79COL$21,776,5280-3 days
How much does it cost to send money from Germany to Colombia?
Transfer fees from Germany to Colombia vary by provider. Specialist services charge €0–10 per transfer, while banks charge €25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total COP your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically €0–€10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (4404.1553).
Ways to send money to Colombia
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Nequi and Daviplata mobile wallets are growing rapidly in Colombia and offer instant receipt of funds. Cash pickup through Efecty has excellent coverage even in smaller towns.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
How can my recipient receive money in Colombia?
Your recipient in Colombia can receive money through these delivery methods. The best option depends on their location and preferences.
Bank Deposit
1–2 business days
Transfer to Colombian bank accounts via the ACH Colombia system.
WiseRemitlyWorldRemitWestern Union
Cash Pickup
Minutes
Collect cash from Efecty points, bank branches, and agent locations across Colombia.
Western UnionMoneyGramRia Money Transfer
Nequi Wallet
Minutes
Transfer to Nequi digital wallet — Colombia's popular fintech payment app.
Remitly
Daviplata
Minutes
Transfer to Daviplata mobile wallet by Davivienda bank.
Remitly
What are the transfer limits and regulations for Colombia?
Important rules and requirements to know before sending money to Colombia.
Regulatory body
Banco de la República / Superintendencia Financiera de Colombia
Inbound transfer limits
No restriction on receiving remittances, but transfers must be reported to the central bank
Documentation you may need
- Sender's government-issued ID
- Recipient's Cédula de Ciudadanía (mandatory)
- Declaración de cambio (exchange declaration) for amounts over $10,000 USD
Important things to know
- All international transfers to Colombia must be registered with the Banco de la República.
- The 4x1000 financial transaction tax (GMF) of 0.4% applies to withdrawals from bank accounts in Colombia.
- Recipient's Cédula number is mandatory — transfers without it will be rejected.
How long does it take to send money to Colombia?
Most transfers from Germany to Colombia arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Colombia for a small premium.
FastExpress delivery
- Ria Money TransferMinutes to 2 days
- TapTap SendUnder 3 minutes (95% of transfers)
- Western UnionInstant
- RemitlyMinutes to 3-5 days
- Xoom (PayPal)Minutes to 3 days
Standard delivery
- InstaReM1-3 business days
- XE0-3 days
- MoneyGram0-1 days
- Dahabshiil0-3 days
- Revolut0-1 days
Popular banks in Colombia
These are the most commonly used banks for receiving international transfers in Colombia.
BankSWIFT/BICNotes
Bancolombia
COLOCOBMXXX
Banco de Bogotá
BBOGCOBMXXX
Davivienda
DAVICOBMXXX
Banco de Occidente
BOCCOBBBXXX
BBVA Colombia
BBVACOBMXXX
EUR to COP Exchange Rate History
Daily best exchange rates from top providers over the last 54 days. Rates shown are for sending $100.
| Date | Xoom (PayPal) | __mid Market__ | Wise | Ria Money Transfer | InstaReM |
|---|---|---|---|---|---|
| Trend | |||||
| May 20 | 4262.9136 | 4365.0000 | 4403.5700✓ | — | 4371.2910 |
| May 19 | 4277.2356 | 4380.0000 | 4427.2800✓ | — | 4394.4922 |
| May 18 | 4273.9755 | 4400.0000 | 4413.9400✓ | — | 4382.8152 |
| May 17 | 4270.8963 | 4400.0000 | 4410.9200✓ | — | 4374.5728 |
| May 16 | 4258.4352 | 4400.0000 | 4410.9200 | 4423.9522✓ | 4374.5728 |
| May 15 | 4283.9583 | 4370.0000 | 4397.3800 | 4423.9522✓ | 4364.5473 |
| May 14 | 4308.0520 | 4423.9522 | 4432.2000✓ | 4423.9522 | 4409.6993 |
| May 13 | 4268.0788 | 4240.7862 | 4432.2700✓ | 4240.7862 | 4399.5356 |
| May 12 | 4272.5864 | 4240.7862 | 4415.2400✓ | 4240.7862 | 4381.5568 |
| May 11 | 4274.1275 | 4240.7862 | 4400.1100✓ | 4240.7862 | 4367.7460 |
| May 10 | 4273.5835 | 4240.7862 | 4408.2700✓ | 4240.7862 | 4371.6350 |
| May 9 | 4252.6699 | 4240.7862 | 4408.2700✓ | 4240.7862 | 4371.6350 |
| May 8 | 4220.1985 | 4240.7862 | 4366.8600✓ | 4240.7862 | 4350.2270 |
| May 7 | 4235.7128 | 4240.7862 | 4361.5800✓ | 4240.7862 | 4335.1866 |
| May 6 | 4196.2589 | 4240.7862 | 4338.3700✓ | 4240.7862 | 4307.6160 |
| May 5 | 4107.9510 | 4240.7862 | 4349.5700✓ | 4240.7862 | 4316.8905 |
| May 4 | 4122.0140 | 4240.7862 | 4287.7600✓ | 4240.7862 | 4254.5554 |
| May 3 | 4122.7735 | 4240.7862 | 4286.8400✓ | 4240.7862 | 4250.5996 |
| May 2 | 4122.7735 | 4240.7862 | 4286.8400✓ | 4240.7862 | 4250.5996 |
| May 1 | 4111.3587 | 4240.7862 | 4291.5800✓ | 4240.7862 | 4259.7996 |
| Apr 30 | 4103.8096 | 4240.7862✓ | 4228.8800 | 4240.7862✓ | — |
| Apr 29 | 4078.1754 | 4240.7862✓ | 4234.7200 | 4240.7862✓ | — |
| Apr 28 | 4043.0451 | 4240.7862 | 4255.5900✓ | 4240.7862 | — |
| Apr 27 | 4046.3956 | 4240.7862✓ | 4168.1000 | 4240.7862✓ | — |
| Apr 26 | 4043.5215 | 4240.7862✓ | 4167.6800 | 4240.7862✓ | — |
| Apr 25 | 4044.3206 | 4240.7862✓ | 4167.6800 | 4240.7862✓ | — |
| Apr 24 | 4037.0596 | 4240.7862✓ | 4163.4900 | 4240.7862✓ | — |
| Apr 23 | 4052.9336 | 4240.7862✓ | 4172.1900 | 4240.7862✓ | — |
| Apr 22 | 4059.1996 | 4240.7862✓ | 4203.4000 | 4240.7862✓ | — |
| Apr 21 | 4096.2850 | 4240.7862✓ | 4212.2600 | 4240.7862✓ | 4184.9212 |
| Apr 20 | 4094.1379 | 4240.7862✓ | 4240.4800 | 4240.7862✓ | 4212.4204 |
| Apr 19 | 4092.5737 | 4240.7862 | 4241.3900✓ | 4240.7862 | 4213.6821 |
| Apr 18 | 4114.2044 | 4240.7862 | 4241.3900✓ | 4240.7862 | 4213.6821 |
| Apr 17 | 4105.0642 | 4240.7862 | 4251.8300✓ | 4240.7862 | 4224.1731 |
| Apr 16 | 4086.7331 | 4240.7862 | 4262.0100✓ | 4240.7862 | 4229.4369 |
| Apr 15 | 4114.1710 | 4240.7862✓ | 4228.4400 | 4240.7862✓ | 4195.7448 |
| Apr 14 | 4119.2374 | 4240.7862✓ | 4227.9600 | 4240.7862✓ | 4185.3872 |
| Apr 13 | 4119.5677 | 4240.7862 | 4254.2200✓ | 4240.7862 | 4221.3417 |
| Apr 12 | 4119.5193 | 4240.7862 | 4271.6100✓ | 4240.7862 | 4234.0050 |
| Apr 11 | 4131.3066 | 4240.7862 | 4271.6100✓ | 4240.7862 | 4234.0050 |
| Apr 10 | 4122.1100 | 4240.7862 | 4264.2700✓ | 4240.7862 | 4233.8993 |
| Apr 9 | 4149.8622 | 4240.7862✓ | 4239.7500 | 4240.7862✓ | 4210.4532 |
| Apr 8 | 4111.8293 | 4240.7862 | 4297.0300✓ | 4240.7862 | 4266.9530 |
| Apr 7 | 4103.1363 | 4240.7862✓ | 4240.7100 | 4240.7862✓ | 4209.8984 |
| Apr 6 | 4097.5274 | 4240.7862✓ | 4239.1300 | 4240.7862✓ | 4204.7386 |
| Apr 5 | 4092.2122 | 4240.7862✓ | 4225.4700 | 4240.7862✓ | 4188.7768 |
| Apr 4 | 4092.2122 | 4240.7862✓ | 4225.4700 | 4240.7862✓ | 4189.3425 |
| Apr 3 | 4098.4431 | 4240.7862✓ | 4224.1900 | 4240.7862✓ | 4195.2023 |
| Apr 2 | 4092.4650 | 4240.7862✓ | 4220.0900 | 4240.7862✓ | 4173.5326 |
| Apr 1 | 4084.1322 | 4240.7862 | 4245.6000✓ | 4240.7862 | 4215.9922 |
| Mar 31 | 4089.4883 | 4240.7862✓ | 4236.6200 | 4240.7862✓ | 4194.9506 |
| Mar 30 | 4086.3131 | 4240.7862✓ | 4207.5900 | 4240.7862✓ | 4180.5785 |
| Mar 29 | 4080.7784 | 4240.7862✓ | 4222.0100 | 4240.7862✓ | 4184.0578 |
| Mar 28 | 4103.2789 | 4240.7862✓ | — | 4240.7862✓ | 4206.7535 |
Common questions about sending money from Germany to Colombia
What is the cheapest way to send money from Germany to Colombia?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from Germany to Colombia?
Most specialist providers deliver to Colombia within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send €1,000 from Germany to Colombia?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much COP your recipient would receive from a €1,000 transfer today.
Can I send money from Germany to Colombia online?
Yes, all the providers we compare support online transfers from Germany to Colombia. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Colombia?
Money transfer services are almost always cheaper. Banks typically charge €25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge €0–10 with markups under 1%, saving you significantly on every transfer to Colombia.
Everything about sending money to Colombia
Recipient requirements, delivery methods, regulations, popular banks, and more.
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