Deutsche Bank International Transfer: Fees, Rates, and How It Works

Deutsche Bank is a leading global financial institution headquartered in Frankfurt, Germany. The Deutsche Bank international transfer service offers robust solutions for both individuals and businesses. Understanding Deutsche Bank’s fees, exchange rates, and transfer process is essential if you are sending money abroad for any reason.

This guide explores everything you need to know about Deutsche Bank international transfers in 2025, including costs, benefits, and step-by-step instructions.

What Is a Deutsche Bank International Transfer?

A Deutsche Bank international transfer allows you to send money from your account to another account in a different country, either within Deutsche Bank or to another bank. Established in 1870, Deutsche Bank operates in over 60 countries, providing services like investment banking, corporate banking, private banking, and wealth management.

Deutsche Bank’s international money transfer services are known for reliability, security, and global reach. Here are the key features of Deutsche Bank international transfers:

• Global Reach: Supports remittance to over 200 countries through a network of correspondent banks.
• Multiple Channels: Initiate transfers via online banking, mobile apps, or in-branch services.
• Secure Transactions: Uses advanced encryption and security protocols to protect your funds.
• Flexible Fee Options: Choose who pays the fees (sender, recipient, or shared).

Also Read: What Is a Same Currency International Transfer?

What Are The Benefits of Deutsche Bank International Transfers?

Deutsche Bank offers several advantages for cross-border payments, making it a preferred choice for many customers. Here are some of the benefits of wire transfer with Deutsche Bank:

• Extensive Network: With operations in over 60 countries, Deutsche Bank ensures seamless transfers to diverse destinations.
• Fast Processing: Sophisticated payment systems enable quick and efficient transfers, often completed within 1–5 business days.
• Competitive Exchange Rates: Offers rates close to the mid-market rate, though a markup applies.
• Robust Security: Employs 128-bit SSL encryption and virtual keypads to safeguard transactions.
• Versatile Payment Options: Supports online banking, mobile apps, and in-person transfers.
• Dedicated Support: Access customer service via phone, email, or branch visits.

What Are the Fees of Deutsche Bank International Transfer?

Deutsche Bank provides flexible fee arrangements for international wire transfer, allowing you to choose who bears the costs: OUR (sender pays all fees), SHARE (fees split between sender and recipient), or BEN (recipient pays all fees, not available for EEA payments). Below is a breakdown of the updated fees for Deutsche Bank international transfers:

Service	Fee
Sending SEPA Payments (EUR within EEA)	EUR 0.60 (free from 2025 per EU regulations)
Sending OUR Payments (Non-EEA, Paperless)	1.5% of amount + EUR 1.55 SWIFT fee + EUR 25 third-party fee
Sending SHARE Payments (Non-EEA)	1.5% of amount + EUR 1.55 SWIFT fee + EUR 2.60 postage fee
Receiving SEPA Payments	Free
Receiving BEN/SHARE (Up to EUR 2,500)	1.5% of amount + EUR 1.55 SWIFT fee + EUR 2.60 postage fee
Receiving BEN/SHARE (EUR 2,500–EUR 12,500)	EUR 10
Receiving BEN/SHARE (EUR 12,500+)	1% of amount (max EUR 95)

Note: Additional fees from intermediary or correspondent banks may apply, ranging from EUR 10 to EUR 100, depending on the transfer route. Always confirm fees with Deutsche Bank before initiating a transfer.

Deutsche Bank Exchange Rates

Deutsche Bank applies a markup to the mid-market exchange rate, which varies by currency pair and market conditions. The Deutsche Bank international transfer exchange rate margin typically ranges from 0.75% to 5%, making wire transfers slightly more expensive than other providers, which use the mid-market rate without markups. To get the most accurate rate, check Deutsche Bank’s online banking platform or contact customer support before transferring.

How to Make International Transfer with Deutsche Bank

You might now be wondering how does international money transfer works and want to know how to transfer money internationally between banks with Deutsche Bank. Follow these steps for Deutsche Bank international transfer:

1. Log In: Access your Deutsche Bank account via online banking, the mobile app, or visit a branch.
2. Enter Recipient Details: Provide the recipient’s name, address, bank name, IBAN, and SWIFT/BIC code.
3. Specify Amount and Currency: Choose the transfer amount and desired currency.
4. Select Fee Option: Decide between OUR, SHARE, or BEN (if available).
5. Review and Confirm: Verify transfer details, including fees and exchange rates, and submit the transaction.
6. Ensure Sufficient Funds: Confirm your account has enough to cover the transfer and fees.
7. Track the Transfer: Monitor the status via online banking or contact customer support.

Information Required for Sending a Transfer

To send funds with your Deutsche Bank account, provide:

• For SEPA Transfers (EUR within EEA):
  • Recipient’s name and address
  • IBAN
• For Non-SEPA Transfers:
  • Recipient’s name and address
  • Bank name and address
  • SWIFT/BIC code
  • IBAN or account number (varies by country)

Information Required to Receive a Transfer

To receive funds in your Deutsche Bank account, provide the sender with:

• Your full name and address
• Your IBAN
• Deutsche Bank’s SWIFT/BIC code (e.g., DEUTDEFF for Germany)
• Deutsche Bank’s address: Taunusanlage 12, 60325 Frankfurt am Main, Germany

How Long Does a Deutsche Bank International Transfer Take?

Deutsche Bank international transfer times depend on the destination, currency, and intermediary banks involved:

• SEPA Transfers: 1–2 business days
• Non-SEPA Transfers: 1–5 business days
• Urgent/Same-Day Transfers: Possible for select currencies if initiated before cut-off times (varies by currency, e.g., 9:00 AM IST for AUD).

Delays may occur due to weekends, holidays, or additional processing by correspondent banks.

Also Read: Difference between SWIFT and SEPA: SWIFT vs SEPA

Is Deutsche Bank Suitable for Students?

Deutsche Bank offers tailored services for international students, including:

• Student Accounts: Low-fee or free accounts for students.
• Forex Cards: Prepaid cards for easy spending abroad.
• Currency Exchange: Competitive rates for study-related payments.
• Inward Remittances: Affordable options for receiving funds from family abroad.

These features make Deutsche Bank a strong choice for students studying in Germany or other countries.

FAQS on Deutsche Bank International Transfer

Below, we address common queries about Deutsche Bank international transfers to help you make informed decisions.

To know more about education loans, the best bank accounts for students, forex and banking experience for global students or international money transfers, reach out to our experts at 1800572126 to help ease your study abroad experience.

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