I want to send about 3000 Euros to Germany and I was wondering which is the best way to this? I know there are a few threads on this topic already but I can't find a definitive answer as to which is the best way. The options I see are as follows:

1) Use Paypal or XE.com
2) Send the money directly to the German account using a Sepa payment with UBS
3) Take the Euros out in cash here and take them across the border into Germany.
4) Take CHF out here and take them across the border and change them in Germany.

Any advice would be much appreciated! Thanks!

I use www.wechselstube.ch - you have to register with them and prove your identity, but their rates are better than my Kantonalbank's. Don't know how they compare to xe.com though...

Use http://www.hifx.co.uk/

Paypal has much better rates than banks here.

The evidence of differences in exchange rates tends to be anectodal. I recommend looking at different options just before you're doing your transfer (or when you think the rate is in your favour) and see which option is the best.

I need to transfer 18000 sek to CHF soon:

xe.com: 2507,63 CHF
Exchange rate from my Swedish bank (SEPA): 2552.1 CHF
Wechselstube: 2561.85 CHF
Cash in a Swedish exchange place: 2506,7

Not a huge sum and not a huge difference but 50 CHF is still enough for me to spend 5 minutes looking at it :-)

I think the worst option is to withdraw cash but i don't really have anything to back that up with.