Paying Medical Bills via the EPX Platform in Germany: Goodbye to International Transfer Fees
In recent years, the EPX (European Payment Exchange) platform has become a smart and advanced option for international patients who want to pay for medical treatment in Germany without falling into the trap of high international bank transfer fees, which can easily reach hundreds of euros when using traditional bank transfers from outside the EU.
In this article, we take a closer look at EPX, how it has changed the way payments are handled in the healthcare sector, how it works, what advantages it offers, and which key points you should keep in mind.
EPX is an electronic payment platform licensed by the European Union. It acts as a secure financial intermediary, enabling international patients to transfer money directly to German hospitals or clinics in euros, without going through traditional banks that often charge high fees or offer unfavourable exchange rates.
1. No international transfer fees
One of the biggest challenges for international patients is paying large amounts – for example €20,000 or more – while incurring transfer fees of more than 3%.
EPX removes this burden and offers transfers at the official exchange rate and without additional transfer commission.
2. Instant official receipt
Immediately after payment, the patient receives an official PDF receipt with a reference number that can be submitted to the hospital, embassy or insurance company.
3. Acceptance of official hospital invoices
You can upload the official hospital invoice directly on the platform and select the hospital name as beneficiary, ensuring the money arrives quickly and correctly on the hospital’s bank account.
4. Payments from non-SEPA countries
Even if you live outside the euro or SEPA area (for example in the Gulf region or North Africa), you can still pay easily without needing a European bank account.
5. Multilingual interface and responsive customer support
The EPX website is available in English, German and French. A responsive customer service team is reachable by e-mail and phone to help you in case of errors or questions.
| Step | Description |
|---|---|
| 1 | Create a free account on [epx.eu] or via the direct link provided by the hospital |
| 2 | Upload the official PDF invoice issued by the hospital or clinic |
| 3 | Choose your payment method: credit card, local bank transfer or instant transfer through financial apps |
| 4 | Double-check the hospital name and invoice number as payment reference |
| 5 | Receive an instant confirmation e-mail with all payment and transfer details |
Make sure the full amount matches the invoice exactly; do not change the amount to avoid delays.
Some hospitals may require payments exclusively via EPX, so it is advisable to check with the International Patients’ Office before making any transfer.
In some cases, embassies require a payment receipt in the name of the hospital – this is automatically provided through the EPX platform.
Universitätsklinikum Heidelberg
Charité Berlin
LMU Klinikum München
Uniklinik Köln
Vivantes Berlin
Asklepios Kliniken Hamburg
Paying for medical treatment in Germany has become smoother and safer thanks to the EPX platform. You can avoid excessive banking fees and benefit from a smart, transparent and reliable payment system.
For patients coming from abroad, whether for short-term treatment or a longer stay, EPX represents a significant improvement in the way medical payments are handled.
The editorial team of this website strives to provide accurate information based on thorough research and multiple sources. However, errors may still occur or some information may be incomplete or not yet fully verified. Please treat the information in this article as an initial point of reference only, and always consult the relevant authorities, hospitals, payment providers and insurance companies for binding and up-to-date information.
