Changing EUR to USD in Germany: the cheapest way, and what the rest cost you
The spread takes 0 EUR if you convert inside your account with BayernLB, and 25.44 EUR at Commerzbank's banknote desk, up to 29.78 EUR at BayernLB.
Same money, same day — a 25.48 EUR difference for choosing how you pay rather than where.
Every figure is read from a bank's own published board, or derived from a margin it discloses — named in the evidence column, never inferred. We do not rank by any commercial relationship; the order below is the rate, and nothing else.
Which method costs least
This is the choice worth the most money, and the one most comparisons skip. Cash desks sit several points above card and transfer rates in every country we measure.
| Method | Cheapest here | Costs you | How we know |
|---|---|---|---|
| Transfer / account conversion What the bank converts at when the money moves between accounts. |
BayernLB | 0 EUR | read from www.bayernlb.de |
| Pay by card The rate your card issuer converts at, plus the fee it discloses. |
C24 Bank | 0 EUR | 0% disclosed fee, checked 2026-06-30 |
| Buy banknotes at a branch The bank's own banknote board — the widest spread of the three, everywhere we measure. |
Commerzbank | 25.44 EUR | read from www.commerzbank.de |
Cash withdrawals at an ATM are left out on purpose: they carry a per-withdrawal fee we do not collect, so listing them beside the others would flatter them.
Every bank's cash / banknotes rate
If you have to use a branch anyway, this is the order to try them in — 4 banks, cheapest first. The dearest takes 1.0% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| Commerzbank own board | 0.8277 | 0.9269 | 25.44 EUR |
| Read from the board this bank publishes at www.commerzbank.de. | |||
| Helaba own board | 0.8340 | 0.9285 | 26.26 EUR |
| Read from the board this bank publishes at www.helaba.com. | |||
| HypoVereinsbank (UniCredit) own board | 0.8361 | 0.9294 | 26.70 EUR |
| Read from the board this bank publishes at www.hypovereinsbank.de. | |||
| BayernLB own board | 0.8382 | 0.9355 | 29.78 EUR |
| Read from the board this bank publishes at www.bayernlb.de. | |||
Every bank's transfers rate
If you have to use a branch anyway, this is the order to try them in — 8 banks, cheapest first. The dearest takes 1.0% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| BayernLB own board | 0.8750 | 0.8797 | 0 EUR |
| Read from the board this bank publishes at www.bayernlb.de. | |||
| DKB own board | 0.8750 | 0.8797 | 0 EUR |
| Read from the board this bank publishes at www.bayernlb.de. | |||
| Consorsbank derived | 0.8797 | 0.8798 | 0.01 EUR |
| Derived from the ECB reference rate, which is the basis this bank discloses against. | |||
| DZ Bank own board | 0.8747 | 0.8800 | 0.18 EUR |
| Read from the board this bank publishes at bvapps.vr-bankenportal.de. | |||
| Deutsche Bank derived | 0.8753 | 0.8841 | 2.49 EUR |
| Derived from the ECB reference rate plus the bank's disclosed 0.5% margin, which is the basis this bank discloses against. | |||
| Commerzbank own board | 0.8692 | 0.8855 | 3.25 EUR |
| Read from the board this bank publishes at www.commerzbank.de. | |||
| comdirect own board | 0.8692 | 0.8855 | 3.25 EUR |
| Read from the board this bank publishes at www.commerzbank.de. | |||
| ING derived | 0.8709 | 0.8885 | 4.95 EUR |
| Derived from the ECB reference rate, which is the basis this bank discloses against. | |||
Tell me when this changes
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Rates are EUR per 1 USD; "costs you" is the part of your amount the spread absorbs, against 0.8797, the reference these banks price from. Collection began 2026-06-24. Indicative information for comparison, not financial advice. What each country's rates are officially anchored to is on the references page. Generated 2026-09-25.