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Best Tips for Pakistani Expats in Germany for Online Remittances

24 Apr 2024

Moving to a new country like Germany can be a challenging experience as an expatriate. It encompasses many uncertainties, such as cultural nuances and norms. In addition, expats often encounter financial challenges, particularly regarding money transfers from Germany to Pakistan.

According to the Federal Statistical Office of Germany, in 2022, 140,000 Pakistani expats were living in Germany. This huge diaspora demonstrates the importance of convenient and dependable money transfer services for overseas Pakistanis in Germany. By choosing reliable transfer services, overseas Pakistanis can send their money to their family in Pakistan quickly and safely. This article will explore the best tips for Pakistani expats in Germany to send money to Pakistan through online remittance services.         

Methods to Send Money to Pakistan  

As a Pakistani expat living in Germany, you must understand the impact of international taxes and retirement accounts on personal finances. By gaining insights into the financial impact, you can better prepare for the financial adjustments that come with living in Germany. This holds especially true if you are seeking an instant money transfer.

There are various methods available to transfer your hard-earned money from Germany to Pakistan. Bank transfers and online remittances are the most popular options. However, Pakistani expats often opt for online money transfers from Germany to Pakistan due to convenience and efficiency.         

Bank Transfer    

Bank transfers involve direct transactions between bank accounts. This process involves Pakistani expats to transfer funds from one account to another. However, this process may include routing the transfer through correspondent German banks before reaching the Pakistani bank account.      

Online Transfer

Online transfers combine traditional wire transfers with electronic funds transmission (EFT) technology. This method enables individuals to send money electronically to another person, utilizing the internet for the transaction.

Money transfer companies like ACE Money Transfer usually offer these services for online money transfers from Germany to Pakistan. Remittance services involve minimum charges and ensure prompt and instant transfers. When making an online money transfer from Germany to Pakistan, you must choose a reliable money transfer operator to ensure the security and timely delivery of the funds.      

Tips for Online Remittance From Germany to Pakistan

Before sending your hard-earned money to your family in Pakistan, you have to consider several factors. Here are some essential tips when transferring money from Germany to Pakistan.                    

Seek the Best Exchange Rate

Apart from transaction fees, many money transfer services offer higher exchange rates. A mid-market rate represents the midpoint between the purchase and sale prices of two currencies. As a Pakistani expat transferring money, ensure the best possible exchange rate. You can omit hidden exchange rate costs by opting for a reputable remittance company.

Timing of Online Money Transfers    

Regarding online money transfers from Germany, the most frequently asked question is about the duration it takes for the funds to reach Pakistan. It takes considerably less time compared to traditional methods.

The timeframe for transferring money overseas depends on the service provider you choose. Bank-to-bank transfers typically take one to two working days. On the other hand, online remittance is usually processed within a few minutes.

However, you must consider "working days." Many financial institutions have cutoff times in the afternoon or evening, after which transfers are executed the following day (or week if initiated over the weekend). So, initiating the process early on a weekday morning is advisable for immediate transfers.    

Ensure Compliance with Applicable Laws

Pakistani expats can mitigate the risk of potential legal repercussions by ensuring that the chosen remittance provider operates within legal boundaries. This includes compliance with international anti-money laundering legislation and other international commitments. It also guarantees legitimacy and security when you send money to Pakistan from Germany.

Hence, select a remittance company that adheres to the laws and regulations of Germany and Pakistan. By prioritizing these factors during the money transfer process, Pakistani expats in Germany can ensure that their hard-earned money reaches their families in Pakistan securely.

Moreover, staying informed about the latest developments in financial regulations and compliance requirements can further assist Pakistani expats in smoothly navigating the remittance process. By staying vigilant and proactive, expatriates can safeguard their financial transactions and safely transfer funds to their loved ones in Pakistan.

Swift and Secure: ACE Money Transfer for Sending Money to Pakistan

As a prominent name in the remittance industry, ACE provides competitive rates for online payments to Pakistan. ACE Money Transfer offers a range of perks to alleviate Pakistani expats' financial worries. Customers with ACE accounts can typically make instant online money transfers if the sender and recipient have ACE accounts.

The service is worth the investment if you seek quick and seamless international transfers from Germany to Pakistan. Additionally, regarding privacy and regulation, ACE Money Transfer is licensed as an Electronic Money Institution by Germany's Financial Conduct Authority. This licensing ensures compliance with rules for internet service providers in Germany. This highlights ACE's commitment to providing a secure and reliable platform to send money online to Pakistan from Germany.   


What are the various options for sending money from Germany to Pakistan?

You can send money through various methods, including bank transfers, wire transfers, and online money transfer services like ACE Money Transfer.

How long does an online money transfer from Germany to Pakistan take?

Transfer times depend on the service; some are instant, while others take days. With ACE, you can send money to Pakistan in just 7 seconds.

Which service provides the best exchange rates?

Regularly monitoring exchange rates, comparing services, and timing transfers for favorable rates can help you secure the best exchange rates.

Are there restrictions on the sum of money I can transfer from Germany to Pakistan?

Certainly, many transfer methods have varying limits, determined by the provider and service chosen. Therefore, it's crucial to review these limits before initiating a transfer.

What details do I need to send money from Germany to Pakistan?

Generally, you'd require the recipient's full name per legal documents and banking details such as bank name, branch information, and account number. Online services may also require their email or phone number.


  1. https://www.destatis/Themen/Gesellschaft-Umwelt/Bevoelkerung/Migration-Integration/Tabellen/migrationshintergrund-staatsangehoerigkeit-staaten.html

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