LemFi, Ace, TapTap: Top options to remit EUR to PKR

Taptap, ACE, LemFi or something else? It’s hard to decide before you compare properly. To help you find the perfect service, we’ve contrasted them based on three factors: EUR to PKR conversion rates, flexibility and customer reviews.

Factor 1: Euro to Pakistani rupee exchange rate

The rates you see here were displayed on the official websites of each service on December 17th, 2025. EUR to PKR conversion rate is constantly changing, but the difference between services usually remains similar.

LemFi’s rate for transfers to Pakistan seems the most beneficial. However, there’s one more service, which offers 330.38 PKR – Profee. For the first try, it has an even better rate of 332.71 PKR. The difference between Profee’s and LemFi’s EUR to PKR rates is obvious.

But the EUR to PKR conversion rate isn’t the only thing affecting your final expenses. We can’t ignore fees. Let’s assume you’re sending 100 EUR for the first time with any of these services. Charges will be:

• Ace = 0 EUR.
• Taptap = 0.99 EUR.
• LemFi = 0.99 EUR.
• Profee = 0 EUR.

0.99 EUR may not seem like a lot, but after a while, it’ll result in hundreds of euros of loss. So, why overpay for LemFi or Taptap’s EUR to PKR transfers when there are more beneficial options?

Explore: Cost of living in Europe vs Pakistan – smart budgeting tips.

Factor 2: Flexibility

Flexibility is a very broad term, but here we’ll cover two main questions:

• Does the service support transfer via both the website and the app?
• What are the transfer methods available?

These two questions are enough to get an idea of how convenient the service is. For example, if you’re a PC person, the web version will be invaluable (especially if your phone is running out of storage!). Or, maybe, your family in Pakistan has access to JazzCash only, and other methods are just useless in your case. All these details will affect the final choice.

Platforms

ACE: You can send EUR to PKR using ACE money transfers from the website and app.

Taptap and LemFi: Only apps are available.

Profee: Both the website and app are convenient for making a transfer.

It’s always great to have a backup plan in case something happens with your phone or PC. Services that can be accessed via both ways are automatically a step ahead of their competitors.

Transfer methods

With ACE, you can send money to Pakistan in more ways than with other services. However, it’s important to look at the supported banks and wallets. As the list of them is pretty long, we’ll put it aside for now. If you’re curious, check the apps you’re interested in – they display bank and wallet partners during the setup stage.

Compare: How to send euros to Pakistan with Remitly.

Factor 3: Reviews

The truth about each service lies in people’s opinions about it. While we can’t trust reviews blindly, the common narrative and satisfaction with the company can be uncovered pretty well.

ACE

If you plan to make an EUR to PKR money transfer with ACE, check these Trustpilot reviews first.

• Pros

1. Favourable euro to Pakistani rupee exchange rate. Many expats notice that ACE has great exchange rates. But as we saw earlier, it’s always better to compare. You never know which service’s offer is on top today.

2. High speed. Customers are satisfied with how fast ACE sends money to Pakistan and other countries.

3. Safety of money and data. People believe ACE is a secure service, as they usually don’t experience any loss during the transfer.

• Cons

Unfortunately, not every transfer is a success with ACE. Here are stories of people who were less fortunate than others:

1. Delays. Some transfers are urgent, so expats need reliable service. This was not the case for some ACE customers, whose recipients got into trouble after not receiving money on time.

2. Asking for too many details. Some customers are requested to provide bank statements, credit card statements, payslips, and other very specific documents. It makes the verification process tiring and stressful.

3. Poor customer support. People ask questions and often never receive a reply, or if they do, it’s not particularly helpful. This fact doesn’t add confidence in using ACE, doesn’t it?

While ACE’s EUR to PKR conversion rate is one of the best on the market, customer experiences are not satisfactory.

Tips: Don’t lose money on EUR to PKR transfers – check these tips

LemFi

• Pros

1. Great customer care. Unlike ACE, LemFi seems to have legit support for its clients. People are mostly satisfied with responses and solutions to their problems.

2. Consistency. The app often has good offers and works smoothly, which brings peace of mind to everyone who uses it.

3. Convenient. Most people find the app easy to use. The process of sending money is straightforward and clear.

• Cons

1. Delays. Here we go again…Unfortunately, some transfers never reach their destination or are delayed for weeks. It’s something expats can’t afford – their families have got bills to pay, gifts to send and groceries to buy.

2. Money missing. Sometimes LemFi claims that funds have been credited to a bank when, in reality, they never were. In such cases, their customer support becomes helpless, and expats are left with unsolved issues.

3. No scam protection. Several individuals reported that their accounts were targeted by scammers. LemFi failed to provide any protection or valuable support. Ultimately, customers became dissatisfied and never returned to the service.

Stay safe: Avoiding money transfer scams – red flags every expat should know.

Taptap

• Pros

1. Smooth experience. Many shared that Taptap sends EUR to PKR in a seamless, stress-free way.

2. Help with spelling issues. We can’t always be safe from mistakes, and sometimes we notice them too late – when money is already sent. Taptap handles such cases and assists its customers.

3. Great rates. Exchange offers are often great when you use Taptap to send money to Pakistan.

• Cons

1. Accounts suspended for no reason. Some customers are asked to provide extra documents to prove identity/source of funds, and then are blocked without any explanation. A real waste of time.

2. Poor safety. Several people topped up their Taptap wallet, the account got blocked, and money disappeared. The company failed to protect the funds of someone who trusted them fully.

3. Delays. At this point, are we surprised by delays? Unfortunately, Taptap also fails to deliver funds on time in some cases. A lesson to learn – always send money in advance, just in case.

So, what about Profee?

If none of the options above feel quite right, Profee stands out as a solid alternative for EUR to PKR transfers – especially for those who value clarity, savings, and control.

Why expats choose Profee:

• Competitive exchange rates. As we saw earlier, Profee often beats other services on the euro to Pakistani rupee exchange rate, especially for first-time transfers. Even small differences add up when you send money regularly.
• Web and app access. Unlike app-only services, Profee works smoothly both on desktop and mobile. It’s a practical option if you like flexibility or simply need a backup.
• Straightforward process. Sending money is simple and transparent, without overcomplicated steps or confusing screens.

For many expats, it becomes a reliable alternative once they compare the numbers and convenience side by side.

FAQ

Does ACE have a money transfer limit to Pakistan?

Yes, 10 million PKR for bank deposits and 500,000 PKR for cash pickups.

Is it safe to send money through LemFi?

Overall, yes. To keep yourself safe, make sure you know the person you’re sending money to and never share your account details with other people.

Is Taptap Send real or fake?

Taptap is a licensed company. It operates officially and has no problem with legal documentation so far.

How can I send money to Pakistan with Profee?

1. Register.
2. Select ‘From’ and ‘To’ countries.
3. Insert the transfer amount and pick a payment method.
4. Add the recipient details.
5. Confirm and send.

Who is the owner of Taptap Send?

Taptap Send is led by Michael Faye, who serves as its CEO, alongside other co-founders like Paul Niehaus, Fatimatou Ousmanou, Marouane Benkhechane, and Osasu Osagie.