What's the best way to send money from Germany to Turkey?

Here are the best ways to send Turkish Lira (TL) or Euros (EUR) from Germany to Turkey:

#2026 Comparison

#Best Option: Wise

✅ Wise advantages:

• Transparent TL/EUR exchange rate (like Google Finance)
• Direct transfers to Turkish IBANs (Garanti, İş Bankası, Akbank, and all other banks)
• Reaches family in 1-2 business days
• Mobile app supports Turkish

#Revolut's Edge

✅ Revolut Premium (7.99 €/month):

• Free transfers up to 100K € per month
• Instant (TL-EUR exchange within the app)
• Sending to a Turkish bank: Same speed as Wise

#Important Notes

⚠️ When sending TL to Turkey, consider exchange rates:

• Wise/Revolut do have TL accounts (for Turkish citizens)
• Direct EUR to TL transfers from Germany to Turkish banks are possible
• Some banks might register incoming transfers as EUR (they won't automatically convert to TL)

⚠️ Taxes: For personal transfers to Turkey under 50K USD/year, you generally don't need to declare it.

⚠️ Turkish bank fees: Some Turkish banks might charge a 20-50 TL fee for incoming international transfers (on the recipient's side).

#Strategy

#Scenario: You're sending 200-500 € to family/relatives

• Wise is your best bet, with fees around 5-8 €.

#Scenario: You're sending your annual savings to Turkey (10K+ €)

• Get Revolut Premium for 1 month → fee-free
• Total: 8 € (Premium fee) vs. 45 € with Wise.

#Scenario: A large one-time transfer (50K+ €)

• DKB or Deutsche Bank SWIFT for professional support + official record.
• Fees are 100-200 €, but you get official documentation for tax/audit purposes.

#Critical Tip

⚠️ Inflation in Turkey is high — when sending money for investment, it's often smarter to keep it in foreign currency (like a Wise EUR account in Turkey or a gold/foreign currency account).