Send Money from Germany to Bosnia
Find the cheapest option with the best exchange rates and transparent fees.
Updated: 18.02.2026 No registration We don't process transfers
Calculate & Compare
Display is indicative. See the final amount on the provider's site.
Estimate — what the recipient receives
BAM is pegged to EUR (1 EUR ≈ 1.95583 BAM). Change the amount above to update the estimate.
| Provider | Fee (estimate) | Est. rate | Recipient gets (est.) | Speed | Payout |
|---|---|---|---|---|---|
| Wise Recommended | — | — | — | 1–2 days | Bank account |
| Remitly | — | — | — | Same day (Express) | Bank account / Cash |
| Western Union | — | — | — | Minutes (cash) | Cash pickup |
Estimate — fees and rates change. Verify the final amount on the provider's site.
Recommendation for most people
For regular transfers from Germany to Bosnia, the choice depends on what matters most: lowest total cost, speed, or cash pickup without a bank account.
- Wise — lowest total cost for amounts from €100+, thanks to the mid-market rate.
- Remitly — Express option delivers the same day, useful in urgent situations.
- Western Union — the only option if the recipient has no bank account and needs cash immediately.
Look at the final amount the recipient receives, not just the fee.
Best options (Germany → BiH)
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How we compare: We compare the final amount received (fee + FX margin), delivery speed, and payout availability.
Wise
Closest to the mid-market rate — lowest total cost for most amounts.
Fee
Typically ~0.5%+ (varies by amount)
Speed
1–2 days
Remitly
Fast transfers, promos for new users.
Fee
From ~€2.99 (promo/standard varies)
Speed
Express: same day
Western Union
Wide payout network in BiH — useful without a bank account.
Fee
Depends on amount + FX margin
Speed
Cash: minutes
Prices and fees may change. Always verify the final amount on the provider's site.
Why trust us?
- We don't process transfers.
- We compare the total cost (fee + FX margin).
- Affiliate links don't change the price you pay.
How to Send Money from Germany to Bosnia and Herzegovina
Bank transfer or cash pickup?
There are two main ways the recipient can receive money: directly into a bank account, or cash pickup at a payout location. Bank transfers are usually cheaper and suitable when the recipient has an active account in BiH. Cash pickup is useful when the recipient has no bank account or when speed is the priority — Western Union, for example, offers payouts within minutes at many locations across the Federation and Republika Srpska.
When is Wise the best choice?
Wise uses the mid-market rate — the same rate you see on Google or financial portals — and charges a transparent fee shown upfront. For larger amounts and non-urgent transfers, this can be the most affordable option. Transfers typically arrive within one to two business days. Wise requires identity verification and a recipient bank account.
When is Remitly a practical choice?
Remitly offers two speed options: a standard transfer and an Express option that can deliver the same day or within a few hours. The Express option comes with a higher fee but is useful in urgent situations. Remitly also regularly offers promotional fees for new users. Both bank transfer and cash pickup are available.
When is Western Union more suitable?
Western Union has one of the densest payout networks in BiH. If the recipient has no bank account or needs cash immediately, Western Union is a practical option. Cash transfer fees may be higher than digital services, and the FX margin is usually larger — which should be factored into any comparison.
What Does It Actually Cost to Send Money from Germany to Bosnia?
The cost of a money transfer is not just the fee shown when selecting a service. There are two costs that together determine how much money the recipient actually receives: the transfer fee and the FX margin.
The fee is the amount you pay directly — it can be fixed (e.g. €2.99) or percentage-based (e.g. 0.5% of the amount). The FX margin is the difference between the rate offered by the provider and the mid-market rate — the reference rate with no markup. Providers offering "zero fees" often make their money through this exchange rate spread.
The mid-market rate is a neutral reference value — the rate banks use between themselves, which you can check on Google or XE.com. If a provider offers a rate lower than the mid-market rate, the difference is their margin.
An illustrative example: if you send €1,000 and the provider applies a rate 1.5% worse than mid-market, the recipient receives roughly €15 less than they would with a mid-market provider — even if the fee is the same. On larger amounts this difference grows proportionally.
Tips for Lower Fees and a Better Rate
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Send on weekdays — rates and fees are sometimes more favourable Monday to Friday, and processing is faster than on weekends.
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Check the rate just before confirming — exchange rates change throughout the day. The amount shown at the start of a quote may differ from the final amount.
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Avoid cash payments unless necessary — cash transfers usually come with higher fees than online transfers from a bank account or card.
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Watch promotional terms — promotional fees for new users apply only to the first transfer. Standard fees may differ afterwards.
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Compare multiple providers for each transfer — especially for larger amounts. A 0.5% rate difference on €2,000 means €10 less for the recipient.
Frequently Asked Questions
What is the cheapest way to send money from Germany to Bosnia?
Wise typically offers the lowest total cost thanks to the mid-market rate and a transparent fee. We recommend checking multiple providers and looking at the final amount the recipient receives, not just the displayed fee.
How long does a transfer from Germany to Bosnia take?
Standard bank transfers usually take one to two business days. Remitly Express can deliver the same day or within hours, at a higher fee. Western Union cash pickup is available within minutes at most locations.
Does the recipient need a bank account in Bosnia?
For Wise or standard Remitly transfers, the recipient needs a bank account. Western Union and Remitly cash options allow pickup without a bank account at payout locations in BiH.
How much can I send from Germany to Bosnia?
Limits vary by provider and depend on the user's verification level. Wise allows high amounts with identity verification. Remitly and Western Union have their own daily and monthly limits. Check current limits directly on the provider's site.
Related pages
Looking for a different corridor? See all options.
Sending from a different country?
Compare options for all available corridors on the home page.
← Back to all optionsDisclaimer
RemitBosnia does not process transfers or hold funds. This page is an informational guide to help you compare available options for sending money from Germany to Bosnia and Herzegovina. Prices and fees shown are indicative — the final amount always depends on the current rate and the provider's terms. We recommend checking directly on the provider's site before confirming a transfer.
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