23 Jun 2025
Large remittances can come with hefty fees and unfavorable exchange rates, eating into the value your loved ones receive. Enter split transfers—a fresh, savvy strategy to save on costs and boost the rupees your recipients get. By breaking a large remittance into smaller chunks, you can optimize Spain-Pakistan remittance rates and keep more money where it belongs—with your family or friends. By breaking a large remittance into smaller chunks, you can optimize send money to Pakistan from Spain remittance rates and keep more money where it belongs—with your family or friends. In this article, let us uncover how split transfers work, why they’re a game-changer for Pakistani expats, and how ACE Money Transfer’s app makes it easy to maximize value while ensuring secure, fast delivery to Pakistan.
When you’re sending a big sum to Pakistan, the fees and exchange rates can feel like a punch to the wallet. Split transfers offer a clever workaround.
This approach isn’t just about saving a few euros—it’s about making sure your hard-earned cash stretches further for your loved ones in Pakistan. Let’s break down split transfers, why they resonate with Pakistani expats, and how they fit into Pakistan’s financial ecosystem.
A split transfer is exactly what it sounds like: you take a large remittance—say, €5000—and divide it into smaller amounts, like €2000, €2000, and €1000. Each chunk is sent separately through ACE Money Transfer’s app, allowing you to choose the best payout method for each transaction.
For example, you might send one part to a bank account at HBL, another to a JazzCash mobile wallet, and a third for instant cash pickup in Pakistan. The ACE app makes this process smooth, letting you customize each transfer with just a few taps.
You can select different recipients or payout methods, giving you control over how your money reaches Pakistan. This flexibility is a big win for expats who need to cater to varied needs back home.
For Pakistani expats in Spain, sending money home is often a monthly commitment. Whether you’re supporting aging parents, funding a sibling’s education, or helping with a family business, large remittances are common.
But banks and traditional services often slap high fees on big transfers, and exchange rates can fluctuate, leaving your recipients with less than expected. Split transfers are appealing because they let you take charge of these costs. ACE Money Transfer stands out here, offering transparency in fees and exchange rates for every transaction.
By splitting your transfer, you can monitor fees for each smaller amount, ensuring no surprises and more rupees in your family’s hands.
Pakistan’s financial system is diverse, with urban areas relying on bank accounts and rural regions often preferring cash or mobile wallets. Split transfers align perfectly with this landscape.
With ACE, you can send one part of your remittance to a major bank like United Bank Limited (UBL) or Habib Bank Limited (HBL) for recipients in cities like Karachi or Lahore. Another part can go to a mobile wallet like Easypaisa or JazzCash, ideal for rural recipients who prefer digital payments.
You can even opt for cash pickup at one of ACE’s 6,500 partner bank branches across Pakistan. Splitting transfers lets you cater to different recipient needs, making it a versatile choice for expats.
Now that you understand what split transfers are, let’s dive into the real question: how do they save you money? Large remittances often come with higher fees and less favorable exchange rates, especially through traditional banks.
Here’s how it works.
One of the biggest advantages of split transfers is lower fees. Many money transfer services, including ACE, use a tiered fee structure—smaller transactions often incur lower fees per transfer. For example, sending €5000 in one go might come with a higher fee than sending three transfers of €2000, €2000, and €1000. With ACE, you can see the exact fee for each transaction upfront, so there’s no guesswork.
This transparency makes ACE the cheapest way to send money to Pakistan for many expats. By splitting your remittance, you could save several euros per transfer, which adds up over time, especially if you send money regularly.
Exchange rates can make or break the value of your remittance. A small difference in the euro-to-rupee rate can mean hundreds of rupees less for your recipient. With split transfers, you can time each transaction to catch favorable rates for Spain-Pakistan remittance.
ACE’s app offers real-time rate tracking and custom rate alerts, so you get notified when the euro-to-rupee rate is at its best. Instead of sending €5000 in one go and risking a poor rate, you can send smaller amounts over a few days when rates are optimal.
This strategy ensures your money converts to more rupees, maximizing the value for your loved ones.
Traditional bank transfers from Spain, like those through BBVA or Santander, often involve intermediary banks that charge hidden fees. These fees can eat into your remittance before it reaches Pakistan.
Split transfers through ACE let you bypass these costs by sending directly to digital wallets like Easypaisa or JazzCash, or to partner banks like MCB or Bank Alfalah. These options avoid intermediary charges, ensuring more of your money reaches its destination.
For recipients needing cash, ACE’s instant cash pickup Pakistan at thousands of locations is a game-changer, with no hidden fees tacked on at the payout stage.
Ultimately, the goal of any remittance is to ensure your loved ones get the most value. Split transfers help you achieve this by combining lower fees, better exchange rates, and direct payout options.
Let’s look at an example: suppose you’re sending €5000 to Pakistan. A single online money transfer to Pakistan might face a €5 fee and an exchange rate of 305 PKR per EUR, resulting in 1,522,500 PKR after fees. Splitting it into three transfers (€2000, €2000, €1000) with lower fees (e.g., €1 per transfer) and a better rate (e.g., 310 PKR per EUR) could yield 1,547,000 PKR—a difference of 24,500 PKR.
That’s enough to cover a month’s groceries or a school fee payment. By using ACE’s best service for Spain-Pakistan transfers, you ensure every euro works harder for your recipients.
Split transfers are a smart, cost-saving strategy for Pakistani expats sending large remittances from Spain. With ACE Money Transfer’s user-friendly app, you can send money online to Pakistan from Spain with ease, choosing from flexible payout options like bank deposits, mobile wallets, or cash pickup. Start using ACE today to make your remittances work harder, and see why it’s trusted by millions for secure, affordable transfers.
Try ACE’s app for seamless splitting and real-time savings!
No, ACE ensures each split transfer is processed instantly, whether for bank deposits to UBL or cash pickups at Zong outlets, guaranteeing recipients in Pakistan receive funds quickly and reliably.
Yes, ACE’s app supports sending to various banks like MCB or Bank Alfalah in one go, allowing you to customize each split for different recipients or purposes in Pakistan.
Definitely! ACE supports splitting transfers to popular Pakistani wallets like JazzCash or Rocket, making it easy to send smaller amounts to multiple recipients with minimal fees.
Use ACE’s in-app fee and rate calculator to compare the cost of one large transfer versus multiple splits, ensuring you maximize savings for Pakistani recipients every time.
Yes, ACE sends confirmations to recipients for each split, whether through their Pakistani bank accounts or mobile wallets, keeping everyone informed and transactions transparent.
