Supporting a family in Pakistan from Europe is easier than ever – if you know the right tools. In 2025, sending money isn’t just about banks; it’s about speed, security, and getting the best rate. If you want to send money online to Pakistan, deposit directly into a Pakistan bank account, or find the cheapest way to send money to Pakistan, this guide will help you pick the smartest, most reliable option – so your loved ones get their funds quickly and safely.
How to send money online to Pakistan in 2025
What to compare: transaction fees, rates & speed
Best picks per use case: how to send money to Pakistan
FAQ – Sending money from Europe to Pakistan
How to send money online to Pakistan in 2025
When you want to send money to Pakistan from Europe, you have several modern and traditional routes. The trick is choosing the one that balances speed, cost, security, and exchange rate. Below are the primary methods many people use to send money online to Pakistan or deliver cash through agents.
1. Dedicated remittance / transfer apps
Apps built for global financial transfers are often the best way to send money to Pakistan, because they’re optimised for low fees, transparency, and speed.
- Remitly offers bank deposit, cash pickup, and mobile wallet options. From the EU, you can instantly move euros to a Pakistan bank account using the Remitly app.
- Taptap Send uses zero-fee or very low-fee bank transfers and claims 90% of transfers reach in 5 minutes. It supports secure transfers into bank accounts, or mobile wallets like JazzCash or Easypaisa in Pakistan.
- Instarem makes EUR → PKR transfers with transparent fees and often same-day arrival. It’s often considered the cheapest way to send money to Pakistan from European countries.
- Profee is notable for its smart rate monitoring. We offer on-time, fee-transparent transfers from Europe to Pakistan.
Pros: fast, mobile-first, transparent about transfer fees and exchange rates, generally more efficient than banks Cons: verification procedures, caps on daily transfer amounts, dependency on internet connectivity
2. Bank transfers (SWIFT / Wire)
You can send money from your European bank to a Pakistani bank via SWIFT or wire transfer. This is more traditional and recognised, but often less efficient.
What to expect:
- Banks in the EU countries may charge a higher fixed fee plus a markup on the euros to rupees FX rate.
- The Pakistani bank may charge receiving fees or “intermediary bank” fees depending on correspondent banks.
- Delivery time is often 1–4 business days, sometimes longer.
While it's not always the best way to send money to Pakistan due to cost, it’s reliable when both sender and receiver have full bank accounts and need large sums.
3. Cash pickup / agent networks
If your recipient in Pakistan prefers cash rather than a bank deposit, or doesn’t have a bank account, using an agent network may be best.
- Western Union, for example, allows you to send money to Pakistan for cash pickup within minutes. You can make transfers via app, online, or at an agent location.
- You pay the sender side (in Europe), and the recipient collects cash from local banks or agent branches in Pakistan.
- Be sure to check which Pakistani banks partner with the network (e.g. HBL, UBL, MCB).
This is a solid option because sometimes you cannot send money to a Pakistani bank account.
4. Mobile wallets & instant payment systems
As Pakistan embraces digital peer-to-peer payments, mobile wallets and instant payment systems are growing.
- Raast is Pakistan’s native instant payment system, linking bank accounts to phone numbers for fast, fee-free P2P transfers.
- Some remittance apps allow transferring directly to mobile wallets like JazzCash, Easypaisa, or Raast-connected accounts.
Using wallets can be cheaper and faster, especially for smaller amounts. It also avoids the need for physical branches.
What to compare: transaction fees, rates & speed
When deciding your route, always compare:
| Factor | Why it matters | Tip |
|---|---|---|
| Exchange rate | A “good” rate can save more than lower fees | Look for the mid-market rate or close to it |
| Transfer fee / Commission | Some apps advertise low rates but hide markups | Always check all costs before sending |
| Delivery time / Speed | Your recipient may need money immediately | Opt for “express” options if needed |
| Receiving options | Bank deposit, cash pickup or wallet – pick what suits recipient | Some methods may incur extra local fees |
| Transparency & support | Hidden charges or poor customer service can spoil things | Use apps with clear terms and customer reviews |
| Compliance & limits | Apps or banks may impose caps or require documents | Check the app’s limits in your sending country |
Best picks per use case: how to send money to Pakistan
When it comes to sending money to Pakistan from Europe, the ideal method hinges on your specific needs – be it cost-effectiveness, speed, or convenience. Below, we've curated top services tailored to various scenarios, ensuring you find the best fit for your remittance requirements.
Profee
Why it’s great: Profee is one of the most reliable exchange platforms for how to send money online to Pakistan. It offers competitive rates, fee transparency, and fast transfers.
Key features:
- Zero fees on first transfer – ideal for trying out the service.
- Great rates – ensures your recipient receives the most PKR.
- Multiple payout options – bank accounts, JazzCash, Easypaisa, and bank cards.
- No recipient registration required – making it easier to send money to Pakistan without hassle.
Ideal for: Those looking for a simple, cost-effective way to send money online to Pakistan with peace of mind. With Profee, what you send is what arrives. For those comparing different options, it often turns out to be more profitable overall, especially if you care about how to send money to Pakistan at the best rate rather than just the lowest visible fee.
Wise
Wise offers a convenient way to send money to Pakistan through bank transfer or card payment. Transfers are usually fast, though final exchange rates may vary slightly depending on timing. It’s a practical choice if you want transparency, but for those looking for how to send money to Pakistan with low commission, Profee often proves to be the more profitable option.
Taptap Send
Taptap Send is often chosen by users looking for the cheapest way to send money to Pakistan, thanks to its low or no transfer fees. However, when it comes to the exchange rate, the total amount your recipient gets can vary. That’s why it’s always worth comparing options. If you’re considering how to send money online to Pakistan with both low fees and a great rate, Profee often turns out to be the more rewarding choice overall.
Western Union
Western Union remains one of the most established names in international money transfer to Pakistan, especially for cash pickups. It’s widely available and can be useful when your recipient prefers collecting funds in person rather than to send money to a Pakistan bank account. Transfer fees and times, however, can vary depending on the sending country and method chosen.
Remitly
Remitly makes it easy to understand how to send money online to Pakistan. It offers clear tracking and flexible delivery speeds. It’s a convenient option for those who value multiple payout choices, though exchange rates and fees may vary depending on the transfer method. While some users may find it a decent digital tool among the options for the best app to send money to Pakistan, Profee combines transparent rates, low commissions, and higher value for your transfer.
Paysend
Paysend lets you send money to Pakistan directly to Visa, Mastercard, or UnionPay cards. Transfers are usually completed within the same day. It's a useful option for card-to-card transfers, though rates can vary depending on the local bank. Profee is frequently a better option for people looking to send money to Pakistan at the best rate since it offers clear commissions and good exchange rates that guarantee your recipient receives more.
Comparison table
| Use Case | Service | Fees | Speed | Payout options |
|---|---|---|---|---|
| Balanced & Transparent | Profee | 0% (first transfer) | Instant (varies) | Bank, JazzCash, Easypaisa, Bank Cards |
| Fast International Transfers | Wise | Transparent | Within a day | Bank, Debit/Credit, Apple/Google Pay |
| Low-Fee Option | Taptap Send | None | Minutes | Bank, JazzCash, Easypaisa, Cash Pickup |
| Traditional Option | Western Union | Varies | Minutes to days | Bank, Mobile Wallet, Cash Pickup |
| Flexible Delivery | Remitly | Varies | Minutes to days | Bank, Mobile Wallet, Cash Pickup |
| Card Transfers | Paysend | €1.99 | Same day | Visa, Mastercard, UnionPay |
Takeaway: All these services help you to know how to send money to Pakistan efficiently, but not all deliver the same value. Profee combines a straightforward process with an attractive exchange rate and low commission. It helps you to send money online to Pakistan confidently and ensures your family receives more.
FAQ – Sending money from Europe to Pakistan
What is the best way to send money to Pakistan?
The best way to send money to Pakistan depends on your needs. For the cheapest way to send money to Pakistan, Profee often offers low fees and good rates.
How to send money online to Pakistan safely?
Use trusted apps with secure authentication, real-time tracking, and transparent fees. Profee is an excellent option for how to send money online to Pakistan.
Can I send money directly to a bank account?
Yes! Many services give you the best way to send money to Pakistan and Pakistani bank accounts directly, including Profee, Wise, and Western Union.
Which service gives the best rate?
To send money to Pakistan at the best rate, compare platforms. Profee usually provide favorable exchange rates without hidden fees.
Are there apps to make sending money easier?
Yes! The best app to send money to Pakistan depends on your priorities. Profee offers multiple payout options.
Can I send money from any European country?
Most services support international money transfer to Pakistan from across Europe. Always check coverage before sending.
