If your family supports you from outside the euro area, the way the money travels decides how much of it arrives. The visible fee is often the smaller cost; the larger one is the markup on the exchange rate.
The options
| Method | Costs to look for | Speed |
|---|---|---|
| Bank transfer (SWIFT) | A sending fee, intermediary bank fees, and an exchange-rate markup that can be several percent | One to five working days |
| Money-transfer services | A fee shown up front and a smaller exchange-rate markup; compare the final amount received | Minutes to two days |
| Cash transfer services | Convenient where bank access is limited, usually the most expensive | Minutes |
Paperwork
- German banks may ask where larger incoming amounts come from. A short note from your family and their bank statement usually answers it.
- For the blocked account deposit, send the full amount in one transfer where possible, and allow a week before your visa appointment.
Sources
Rules and amounts change. Check the official source before you rely on a figure.