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Send money from Germany to Czech Republic(EUR → CZK)
EUR
CZK|Updated recentlyMid-market 24.3271Cheapest today
Regency FX
Rate 24.1325 · Fee free
You send
€1,000
Recipient gets
Kč24,132
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Germany to Czech Republic in May 2026 is Regency FX, which delivers 24,132.46 CZK on a 1,000 EUR transfer with a fee of zero.
Last reviewed: by Awais Imran, Reviews Editor
What is the cheapest way to send EUR to CZK?
Sending €1,000 from Germany to Czech Republic. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 24.1325·Fee Free·0.80% markup
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 Czech Republic? Compare real-time exchange rates and fees across leading money transfer services. Find the provider that gives you the best CZK amount today.
Money transfers from Germany to Czech Republic are a vital lifeline for families and businesses. With dozens of providers competing for this corridor, rates and fees vary widely. Specialist money transfer companies often beat bank rates by 2–4%, potentially saving you hundreds of EUR per year. Use our comparison to find today's best deal.
Which provider offers the best EUR to CZK rate?
Regency FX
4.8Exchange rate
24.1325
Fee
Free
Recipient gets
Kč24,132.46
Speed
Same day to 2 business 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 Czech Republic route.
Cheapest transfer
Regency FX
Delivers the most CZK for your money
Fastest transfer
Regency FX
Delivers in Same day to 2 business days
Bank transfer
Regency FX
Best rate for bank deposit to Czech Republic
How to send money to Czech Republic
Sending money to Czech Republic 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 CZK amount for your transfer to Czech Republic.
Step 2
Add your recipient
Enter your recipient's details in Czech Republic — you'll need their iban. 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 (sepa) typically takes 1 business day.
What you need to send money to Czech Republic
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full name as registered with their Czech bank account
IBAN
24-character IBAN starting with 'CZ' followed by 2 check digits, 4-digit bank code, and 16-digit account number
Example: CZ6508000000192000145399
SWIFT/BIC code
Optional8 or 11-character SWIFT code for non-SEPA transfers
Note: The Czech Republic uses 24-character IBANs starting with 'CZ'. As an EU member, the Czech Republic participates in SEPA for EUR transfers. The traditional Czech account number format (prefix-account/bank code, e.g. 19-2000145399/0800) can be converted to IBAN through any Czech bank's online portal.
Transfer examples: EUR to CZK
See how much your recipient would get for common transfer amounts.
Send €500
ProviderFeeReceives
Regency FX
24.13 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
Regency FXFree24.13Kč12,066Same day to 2 business days
Send €1,000
ProviderFeeReceives
Regency FX
24.13 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
Regency FXFree24.13Kč24,132Same day to 2 business days
Send €5,000
ProviderFeeReceives
Regency FX
24.13 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
Regency FXFree24.13Kč120,662Same day to 2 business days
How much does it cost to send money from Germany to Czech Republic?
Transfer fees from Germany to Czech Republic 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 CZK 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 (24.3271).
Ways to send money to Czech Republic
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Bank deposit is the standard method in the Czech Republic. SEPA transfers in EUR from EU countries are the cheapest option, though the recipient's bank will convert to CZK. The Czech banking system is modern and efficient with strong digital platforms.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
How can my recipient receive money in Czech Republic?
Your recipient in Czech Republic can receive money through these delivery methods. The best option depends on their location and preferences.
Bank Deposit (SEPA)
1 business day
SEPA transfer in EUR — fast and low-cost from EU/EEA countries.
WiseRemitlyWorldRemit
Bank Deposit (SWIFT)
1–3 business days
International wire transfer in CZK or EUR to Czech bank accounts.
WiseRemitlyWorldRemitWestern Union+1 more
Cash Pickup
Minutes
Collect cash from agent locations across the Czech Republic.
Western UnionMoneyGram
What are the transfer limits and regulations for Czech Republic?
Important rules and requirements to know before sending money to Czech Republic.
Regulatory body
Ceska Narodni Banka (CNB) — Czech National Bank
Inbound transfer limits
No cap on incoming transfers, but amounts over EUR 15,000 must be reported for AML
Documentation you may need
- Sender's government-issued photo ID
- Purpose of payment for large transfers
- Recipient's Czech personal ID number (rodne cislo) may be required
Important things to know
- The Czech Republic is an EU member using the Czech koruna (CZK), with no fixed date for euro adoption.
- SEPA transfers in EUR are converted to CZK at the recipient bank's rate.
- The Czech Republic has a large Ukrainian and Vietnamese community driving inbound remittance flows.
- Czech banks offer competitive online banking platforms with English-language support.
How long does it take to send money to Czech Republic?
Most transfers from Germany to Czech Republic 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 Czech Republic for a small premium.
Standard delivery
- Regency FXSame day to 2 business days
Popular banks in Czech Republic
These are the most commonly used banks for receiving international transfers in Czech Republic.
BankSWIFT/BICNotes
CSOB (Ceskoslovenska Obchodni Banka)
CEKOCZPP
Ceska Sporitelna
GIBACZPX
Komercni Banka
KOMBCZPP
Raiffeisenbank CZ
RZBCCZPP
UniCredit Bank Czech Republic
BACXCZPP
Air Bank
AIRACZPP
Common questions about sending money from Germany to Czech Republic
What is the cheapest way to send money from Germany to Czech Republic?
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 Czech Republic?
Most specialist providers deliver to Czech Republic 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 Czech Republic?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much CZK your recipient would receive from a €1,000 transfer today.
Can I send money from Germany to Czech Republic online?
Yes, all the providers we compare support online transfers from Germany to Czech Republic. 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 Czech Republic?
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 Czech Republic.
Everything about sending money to Czech Republic
Recipient requirements, delivery methods, regulations, popular banks, and more.
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Top provider reviews
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