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How to Send Money from Germany to Egypt with Wise

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Disclosure: the buttons to open a Wise account on this page are partner links. If you open an account through them and make your first cross-currency transfer, Wise may pay us a commission. It doesn't change what you pay.

This page covers how to send money to Egypt from Germany specifically: how you pay from there and which documents Wise may ask a German resident for. The transfer screens are in how to send money with Wise, and the Egyptian side (IBAN, limit, fees) is in send money to Egypt with Wise

Germany to Egypt at a glance

You pay in Euros (EUR)
From An account in your name at a German bank (or any SEPA bank)
Your family gets Egyptian pounds in a personal or business bank account
They give you Full name + 29-character Egyptian IBAN
Cap on the Egypt side 5,000,000 EGP per transfer
Estimate shown Wise's German page showed "Heute - in 4 Stunden" (today, within 4 hours) on 25 October 2026

That estimate is Wise's live figure for that moment, not a promise. Wise's EGP guide says the money usually arrives the same working day once Wise has it, and the conversion can take up to 2 working days.

How to pay from Germany

Method What Wise says
PISP (open banking) Available to residents of Germany. You approve the payment in your banking app; the limit depends on your bank
SEPA bank transfer (Überweisung) Reaches Wise within minutes if your bank supports instant SEPA, otherwise up to 1 working day
Debit or credit card Up to 10,000 EUR per transfer. Visa and Mastercard; no American Express
Apple Pay Germany is on the list, up to 10,000 EUR per payment
Google Pay Germany is on the list, up to 2,000 EUR per payment
SOFORT Not supported: "We're not able to support SOFORT payments"

Three things from Wise's help pages:

  • Your own account. A bank transfer has to come from an account in your name. Wise won't take money from your spouse's or brother's account, even with power of attorney.
  • A German card paying in EUR has no international card fee, because it's an EEA card paying in an EEA currency. A card still costs more than a bank transfer.
  • Apple Pay and Google Pay need an EU-issued card, and together they allow 6 payments a day.

Fees: we don't print numbers because they change daily. On 25 October 2026, Wise's German price table ranked the payment methods like this, cheapest first: Wise balance, PISP, bank transfer, debit card, then credit card, Apple Pay and Google Pay. The page also says Wise lowers its fee if you send more than 22,000 EUR or the equivalent. You see the full cost and the EGP amount before you confirm. More in Wise fees explained.

What goes into the recipient form

Paying in EUR to EGP, Wise's form asks for Recipient type (person or business), the IBAN (required) and the Bank code (BIC/SWIFT) (optional), plus the account holder's full name. It doesn't ask for your family's address on this route.

There's also an Email option: you enter the recipient's email and Wise asks them for their bank details. Handy when you don't have the IBAN yet.

Can I send money from Germany to Egypt to Vodafone Cash?

No. Wise doesn't pay to Vodafone Cash, InstaPay or any wallet, and there's no cash pickup. The pounds go to a bank account in Egypt only. If your family uses Vodafone Cash, they first need an Egyptian bank account with an IBAN; once the money lands, the account holder can move it themselves through their bank.

The residence document Wise may ask for

Wise asks for an extra document "if the ID you used to verify your identity … wasn't issued by the same country as the address on your Wise account". In plain terms: Egyptian passport + German address = a document issued by Germany.

Wise accepts Wise doesn't accept
A valid German passport or ID card A visa of 90 days or less (tourist, transit)
A valid residence permit card (Aufenthaltstitel card) A paper residence permit
A long-term visa valid for more than 90 days Visa, residence or refugee applications
Some refugee documents Asylum seeker documents, driving licence, proof of address
  • Upload it through the banner in your account: "We need more information to verify your account". Wise doesn't accept documents by email.
  • Until this check is done, Wise may limit some features, including sending a transfer. Upload it before you need to send.
  • If you can't provide a right to reside document, Wise says it might have to close the account.

On the ID itself: if you live in Europe, Wise doesn't accept a driving licence as ID. Use your passport or ID card. In some cases Wise verifies you automatically with your first bank transfer from a personal account in your name, for transfers below 15,000 EUR. Full details in Wise verification.

Steps: send money from Germany to Egypt

  1. Open your account through our link with your German address: create a Wise account.
  2. Verify with your passport or ID card, and upload your residence card if Wise asks.
  3. Tap Send, add the recipient and choose EGP.
  4. Enter the name and IBAN, then the amount in EUR or EGP.
  5. Review, choose how to pay (PISP, SEPA transfer or card) and pay from your own account.

Screen by screen: how to send money with Wise

FAQ

How long does it take to transfer money from Germany to Egypt with Wise?

Two parts: your euros reach Wise (minutes by instant transfer, up to a working day by regular SEPA), then the pounds reach the Egyptian bank, usually the same working day according to Wise. The conversion can take up to 2 working days.

Can I pay with SOFORT?

Wise says plainly that it doesn't support SOFORT. Use PISP, a SEPA transfer or a card.

I live in Germany on a student visa. Is that enough?

If the visa is valid for more than 90 days, it's one of the documents Wise accepts. An application receipt or a paper permit isn't.

Does my family in Egypt need a Wise account?

No. An Egyptian bank account with its IBAN and the holder's full name is enough.

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Last updated: 25 October 2026 · All facts from the official Wise pages listed above.

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