Converting Euros to Pakistani rupees with Wise: What you need to know

For many people living in Europe, sending money back to Pakistan is part of daily life. Some do it to support their family, some to pay bills, and others to manage savings or investments. Many want to know how to convert currency in Wise, how the Wise EUR to PKR exchange rate works, and what impact the Wise conversion fees have on the final amount. Wise is popular, but popularity does not always mean the best value. This guide explains what the EUR to PKR Wise rate really looks like, how much the Wise conversion fees can affect your transfer, and more.

How to convert currency via Wise: simple steps

How to convert currency in the Wise app or on the website? The process is designed to be simple – here’s the EUR to PKR guide:

1. Log in to the Wise app or visit the website.
2. Choose EUR as the currency you are sending.
3. Select PKR as the currency your recipient will get.
4. Enter the additional details, if needed.
5. Check the Wise EUR to PKR exchange rate displayed on the screen.
6. Review any fees added to your transfer.
7. Confirm the payment and complete the transfer.

Wise shows the rate and total cost before you send money. However, even with a clear interface, it’s essential to be aware of Wise's conversion fees, particularly if you send money regularly.

Many users focus only on learning how to convert currency via Wise, but the final amount after fees is what really matters.

How the Wise EUR to PKR exchange rate works

The Wise EUR to PKR exchange rate is usually based on the mid-market rate. This means it follows the live currency rate with very little markup. For many people, this feels fair. However, even if the EUR to PKR Wise rate looks attractive, the final amount can still change because of the fees charged during the conversion.

This is why people compare Wise with other services. They look at more than just the EUR to PKR Wise rate — they look at the full picture, including all possible costs.

Understanding how to convert currency in Wise helps, but knowing what your family will receive in Pakistan helps even more.

Wise fees: what they actually include

Some users believe transfers on Wise are extremely cheap. But the truth is that if you use Wise, you may need to pay several types of fees. While Wise’s website shows you an ‘average fee’ that looks attractive, the final amount may be disappointing. What’s more, ‘average’ doesn’t stand for exact, so you won’t be able to plan how much you’ll need to pay in advance.

Since we're using EUR-PKR as an example, let's review the list of fees for European residents, as outlined in Wise's Terms and Conditions.

• Wise fees are charged by the service for handling your transfer. Basically, that’s the profit the service gets.
• Taxes may apply to certain transfers. As Wise puts it, “it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority.”
• API partner fees are the ones Wise may collect on behalf of a partner. Since Wise cannot be responsible for them, the exact amount becomes clear only during the transfer process.
• Banks & third-party fees may be charged separately. Let’s be honest – no matter how caring your transfer service is, it is impossible to prevent a bank (yours or your recipient’s) from charging you extra. Consider the conditions in advance when choosing the right payment and receiving options.

The fees are not hidden, but they can add up. This is especially noticeable when someone sends money every week or every month. Even with a good Wise EUR to PKR exchange rate, extra fees make a difference.

Pros and cons of using Wise for EUR to PKR

What people usually appreciate about Wise

• It is easy to convert currencies via Wise.
• The Wise interface is user-friendly and simple to navigate.

Challenges noted by Wise users

• Exchange rate fluctuations.
• Excessive fees.
• Transfer delays.
• Unexpected account closures.

Read more:

• Choose a reliable EUR to PKR currency converter.
• Sending money to Pakistan during Ramadan and Eid: tips for Pakistani expats.
• Best ways to send money from Europe to Pakistan in 2025.

Why many Pakistanis in Europe prefer Profee for EUR to PKR transfers

Wise is a recognisable brand. But recognition does not guarantee the best outcome. For regular transfers to Pakistan, many expats prefer Profee because it is simpler, clearer and often more affordable. What makes Profee stand out:

More PKR for your loved ones

We show you the final amount in PKR upfront. There are no extra margins or last-minute changes. Low fees and a fee-free transfer for new clients Your first transfer with us is commission-free, and later fees remain predictable. We value transparency: even though we charge fees, we want to be honest with you about them.

Fast arrival times

In most cases, Profee transfers reach Pakistan within minutes. This speed is essential for families relying on quick support, dealing with medical emergencies, or paying regular monthly bills.

Clear exchange rate with no surprises

Unlike services where the final amount may change after fees are added, we show the exact PKR amount before you send. This removes confusion.

Strong safety and EU regulation

Profee is licensed in the EU, which means your money is protected by strict financial regulations. This gives expats confidence when sending money.

Tips to get better value when sending EUR → PKR

Here are practical tips for anyone sending euros to Pakistan:

• Use transfer services that display the full amount upfront.
• Check daily rate changes in the Profee app.
• Avoid card payments if you want to reduce extra fees.
• Look for first-transfer promotions to save money.

Understanding how to convert currency in Wise is good, but being aware of the real total cost is even more important.

FAQ

Is the Wise EUR to PKR exchange rate always the best?

Not always. The Wise EUR to PKR exchange rate can be strong, but fees may reduce the final amount.

Is Wise safe for sending money from Europe to Pakistan?

Yes, Wise is regulated.

Which service is usually faster?

Profee usually delivers within minutes. Wise speed depends on your bank and payment method.

Final thoughts

Wise is popular, and many users want to know how to convert currency in Wise. The platform is easy to use and offers a clear interface. However, for people who send money to Pakistan regularly, the Wise conversion fees, speed differences, and lower final PKR amounts can become frustrating.

This is why many Pakistanis living in Europe choose Profee instead. We offer a clear exchange rate, fast delivery, and transparent pricing. For expats who want to support their family back home without stress, Profee can be a more suitable option.