Changing EUR to USD in Germany: the cheapest way, and what the rest cost you

I want to change EUR → USD

The spread takes 0 EUR if you pay by card with C24 Bank, and 25.65 EUR at Commerzbank's banknote desk, up to 29.90 EUR at BayernLB.

Same money, same day — a 25.65 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
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
Transfer / account conversion What the bank converts at when the money moves between accounts.	DKB	1.41 EUR	read from www.bayernlb.de
Buy banknotes at a branch The bank's own banknote board — the widest spread of the three, everywhere we measure.	Commerzbank	25.65 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	0.8214	0.9134	25.65 EUR
Read from the board this bank publishes at www.commerzbank.de.
Helaba own board	0.8237	0.9166	27.30 EUR
Read from the board this bank publishes at www.helaba.com.
HypoVereinsbank (UniCredit) own board	0.8258	0.9174	27.73 EUR
Read from the board this bank publishes at www.hypovereinsbank.de.
BayernLB own board	0.8264	0.9217	29.90 EUR
Read from the board this bank publishes at www.bayernlb.de.

Cheapest (green), median (dashed) and dearest (red) selling rate on each day — 33 days on which at least two banks published, 2026-06-27 to 2026-08-11. This is why we can say who stays cheapest, not just who is cheapest today.

Every bank's transfers rate

If you have to use a branch anyway, this is the order to try them in — 6 banks, cheapest first. The dearest takes 0.7% more than the cheapest.

Bank	Buys USD	Sells USD	Costs you
DKB own board	0.8645	0.8690	1.41 EUR
Read from the board this bank publishes at www.bayernlb.de.
DZ Bank own board	0.8643	0.8696	1.73 EUR
Read from the board this bank publishes at bvapps.vr-bankenportal.de.
Deutsche Bank derived	0.8622	0.8709	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	0.8589	0.8748	4.72 EUR
Read from the board this bank publishes at www.commerzbank.de.
comdirect own board	0.8589	0.8748	4.72 EUR
Read from the board this bank publishes at www.commerzbank.de.
ING derived	0.8579	0.8752	4.95 EUR
Derived from the ECB reference rate, which is the basis this bank discloses against.

Cheapest (green), median (dashed) and dearest (red) selling rate on each day — 29 days on which at least two banks published, 2026-06-30 to 2026-08-11. This is why we can say who stays cheapest, not just who is cheapest today.

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 0.8666, 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 2026-08-11.