You can send money to Italy from Germany quickly and securely with Coinepay. Because both Germany and Italy use the euro (EUR), a money transfer to Italy from Germany is usually a euro-to-euro payment with no currency conversion, delivered to your recipient's Italian bank account or collected as cash. Here is how it works, how long it takes and what the recipient needs.
- Transfers can arrive in as little as 10 minutes, depending on the payout method and the destination.
- The exchange rate (where any applies) and all fees are shown clearly before you confirm.
- Bank deposit, mobile wallet and cash pickup payouts are supported, with the options available for Italy shown in the app.
How to send money to Italy from Germany
- Enter the amount and choose the currency the recipient gets. Italy uses the euro, so you will typically send EUR to EUR with no conversion.
- Add the recipient and choose the payout method. Enter their full legal name and payout details, then pick bank deposit, a supported mobile wallet or cash pickup.
- Review the rate and fees, confirm and pay. Check the estimated arrival time, confirm the transfer and then track its status in the app.
How long does a transfer to Italy from Germany take?
Transfers to Italy from Germany can arrive in as little as 10 minutes, but the actual time depends on the payout method and the receiving bank or provider, and the estimated arrival time is shown in the app before you confirm.
| Payout method | What the recipient needs | What affects delivery time |
|---|---|---|
| Bank deposit (SEPA) | Full account name and Italian IBAN | Receiving bank processing and cut-off times; whether the route is instant or standard SEPA |
| IBAN-linked card (e.g. Postepay Evolution) | The card's associated IBAN and the holder's name | How quickly the card provider credits the linked IBAN |
| Mobile wallet | Wallet details as shown in the app, if available for Italy | Wallet provider processing and verification |
| Cash pickup | Full name as on ID and the transfer reference | Agent location opening hours and ID checks at collection |
Several things can affect speed: receiving bank cut-off times, weekends and local Italian holidays for non-instant transfers, identity or compliance checks on the transfer, and incorrect recipient details, which can delay a payment or cause it to be returned.
How much does it cost to send money to Italy from Germany?
The exchange rate, if any applies, and every fee are shown in the Coinepay app before you confirm the transfer, so you can see the full cost first. Because both countries use the euro, many transfers need no conversion, but the total can still vary with the amount you send, the currency you choose and the payout method you pick. Your recipient should also check whether their own bank or wallet provider charges a fee to receive incoming funds, as that is separate from Coinepay and can reduce the amount they finally receive.
Ways to receive money in Italy from Germany
Bank deposit to an Italian account (SEPA)
The most common option. You need the recipient's full account name and their Italian IBAN, which has 27 characters and starts with IT. The IBAN already contains the five-digit bank code (ABI), five-digit branch code (CAB) and account number, so you do not enter those separately for a normal SEPA payment. A BIC/SWIFT code is not required for a standard euro SEPA transfer; only provide one if a non-SEPA route specifically asks for it. EU rules provide a check of the payee's name against the IBAN before a euro credit transfer, so resolve any name mismatch before sending.
IBAN-linked card (Postepay Evolution)
Some Italian cards such as Postepay Evolution can receive SEPA transfers through their associated IBAN. This is an account transfer to the card's IBAN, not a payment to an arbitrary card number, so use the IBAN and name linked to the card.
Mobile wallet
Where a mobile wallet payout is offered for Italy, it will appear as an option in the app with the details the recipient needs to provide. If you do not see it for this corridor, use bank deposit or cash pickup instead.
Cash pickup
The recipient collects the funds in cash at a payout location. They need their full name exactly as entered on the transfer and the transfer reference, and should bring valid photo ID that matches the name.
What you need to send money to Italy from Germany
- A verified Coinepay account (register and complete identity verification first).
- The recipient's full legal name exactly as it appears on their bank account or ID.
- The payout details for the method you choose: Italian IBAN for a bank deposit, the linked IBAN for a card like Postepay Evolution, or the recipient's name for cash pickup.
- The purpose of the transfer and, if asked, information about the source of funds.
Italy uses the euro, currency code EUR, which is also the currency in Germany.
How Coinepay keeps your transfer safe
Every money transfer to Italy from Germany is subject to identity verification and sanctions screening of customers and counterparties, in line with local regulations. Providers may hold, ask about or reject transfers with missing information and can request identification or evidence of where the funds came from. Card issuance and fund services are provided by licensed partner financial institutions, connections are encrypted, and you can follow each transfer with real-time status tracking. If you have a question at any stage, support is available 24/7.
Send money to Italy from Germany with the Coinepay app
Manage everything from the Coinepay app or the 24/7 self-service dashboard. Download it from the App Store or Google Play, or create your account to start your first transfer. Need help choosing a payout method? Contact Coinepay support.
Get your Coinepay virtual card: Sign up · App Store · Google Play · Customer support
FAQ
What is the fastest way to send money to Italy from Germany?
Choose the payout method with the shortest estimated arrival shown in the app before you confirm. Transfers to Italy can arrive in as little as 10 minutes, though the actual time depends on the payout method and the receiving bank or provider.
How long does a transfer to Italy from Germany take?
It can arrive in as little as 10 minutes, but the real time depends on the payout method, the receiving bank's cut-off times, weekends or Italian holidays, and any compliance checks. The estimated arrival time is shown before you confirm.
What details do I need to send money to Italy from Germany?
A verified Coinepay account, the recipient's full legal name as on their ID or account, and payout details such as their Italian IBAN (27 characters, starting with IT) for a bank deposit, or their name for cash pickup. You may also be asked the purpose of the transfer.
Can my recipient in Italy receive money to a mobile wallet or as cash?
Cash pickup is supported, and bank deposit to an Italian IBAN is the most common option. If a mobile wallet payout is available for Italy it will appear as a choice in the app; otherwise use bank deposit or cash pickup.
Do I need a SWIFT/BIC code to send to Italy?
No. A standard euro SEPA transfer to an Italian account only needs the recipient's name and IBAN. Provide a BIC only if a non-SEPA route specifically requests it.
Send money to other countries
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