16 May 2025
For many Pakistanis, moving to Poland opens doors to better job prospects, quality education, and a higher standard of living. Yet, the journey to financial stability isn't always smooth, especially when managing personal expenses in a foreign country while also supporting loved ones back home. Striking the right balance between saving money in Poland and Money transfer from Poland to Pakistan requires strategic financial planning and access to trusted services like ACE Money Transfer.
Living in Poland can be relatively affordable compared to other European countries, but costs can still add up without careful budgeting. Understanding where your money goes each month is the first step toward maximising savings.
Rent is often the biggest expense. While major cities like Warsaw and Kraków are more expensive, smaller towns offer more affordable housing options. To cut costs, consider sharing an apartment with roommates and investing in energy-efficient appliances to lower utility bills. Rent outside city centres is usually 20-30% cheaper, offering substantial monthly savings.
Eating out regularly can eat into your budget quickly. Instead, cooking at home is both economical and healthier. Local markets and budget-friendly chains like Biedronka, Lidl, and Auchan offer great deals on fresh produce and essentials.
Buying in bulk and planning meals can also prevent unnecessary food waste and extra spending.
Public transport in Poland is reliable and affordable. Cities offer monthly public transport passes that save money compared to single tickets. Instead of buying a car, which comes with maintenance, insurance, and fuel costs, consider using buses, trams, or city bike rentals for daily commutes. Most urban areas have extensive transport networks that cover even the suburbs.
Good money habits begin with solid planning. Whether you’ve just arrived or have been in Poland for years, these practical tips can help you stay on track financially.
Begin by tracking your income and listing all your expenses—rent, groceries, transportation, etc. Allocate a fixed portion of your earnings for sending money back home. Apps like Mint or even simple spreadsheets can help monitor spending patterns and adjust your budget as needed.
Having a local bank account not only makes receiving salaries easier but also lowers transaction fees for utilities and online purchases. Polish banks often offer free or low-cost student or expat accounts with mobile banking features.
It’s also the first step toward making cheaper international transfers.
Emergencies can occur in either Poland or Pakistan, and having a financial cushion provides peace of mind. Aim to save at least 10% of your monthly income in a separate savings account. This fund can cover sudden medical expenses, job loss, or urgent family needs.
A few mindful choices can lead to significant savings over time. Here's how to cut back without sacrificing comfort.
Credit cards offer convenience but can lead to debt if misused. Stick to your budget and avoid impulse buying. Always ask yourself: “Do I need this, or do I just want it?” Prioritising needs over wants helps prevent financial stress.
Student cards, loyalty programs, and city discount cards can help reduce costs for transportation, shopping, and even dining. Many cities offer free community events, language workshops, and career training sessions—great opportunities to save while learning and networking.
Sending money back to Pakistan is a top priority for many expats, and choosing the right service matters. That’s where ACE Money Transfer comes in.
ACE offers highly competitive exchange rates and minimal transfer fees, making your remittances go further. The service is fast, secure, and specifically designed for expats like you, ensuring peace of mind with every transaction.
With ACE, you can send money through bank deposits, cash pickups, or mobile wallet services. These flexible options make it easy for your family in Pakistan to receive funds quickly, anytime, anywhere. Plus, the 24/7 mobile app means you can transfer money at your convenience.
Transparency is key when it comes to money transfers. ACE allows you to track your transactions in real-time. You’ll always know where your money is, giving you full control and confidence that your hard-earned money is reaching your loved ones safely. ACE Money Transfer is rated 4.8 out of 5 on Trustpilot with over 129,000 reviews — a testament to their commitment to excellent service.
Boosting your earnings, even slightly, can significantly improve your ability to save and send money home.
Engaging in online freelancing opportunities such as tutoring, graphic design, or writing can provide additional income while residing in Poland. International students and non-EU residents are permitted to work part-time, up to 20 hours per week during the academic year, and full-time during holidays.
It's crucial to adhere to Poland's legal working hour restrictions and visa regulations to ensure compliance.
Got a knack for cooking, tailoring, or IT services? Offer these skills locally. Many expats succeed by advertising in community Facebook groups or local expat forums. Small gigs like selling home-cooked meals or providing tech help can become reliable income streams.
Sending money is only half the equation. Ensuring it’s used wisely in Pakistan is equally important.
Help your loved ones distinguish between needs and luxuries. Encourage them to create their budgets, save regularly, and explore local investment opportunities. Financial education at home ensures your remittances are put to good use.
Discuss how much you can send each month and stick to a sustainable plan. Being transparent helps manage expectations and avoids emotional or financial strain on both sides.
Your journey abroad isn’t just about the present—it’s about building a secure future for you and your family.
Use your remittances to invest in real estate, education, or small businesses in Pakistan. These investments can generate future income and support your family’s long-term security.
Whether you plan to settle in Poland or return to Pakistan, having a long-term financial plan is essential. Save for big life events and know that ACE Money Transfer will continue to support your cross-border financial needs wherever life takes you.
Balancing your life in Poland while financially supporting your family in Pakistan is no small task. However, with a thoughtful budget, smart saving habits, and a trusted remittance partner like ACE Money Transfer, you can achieve financial stability and peace of mind while you send money to Pakistan from Poland. Whether it’s your first job or you’ve been an expat for years, make ACE your partner in every money transfer journey back home.
There’s no strict monthly limit, but it depends on your chosen transfer method. ACE Money Transfer follows all international financial regulations and offers secure, high-limit transactions.
ACE Money Transfer is often the most cost-effective solution, thanks to its competitive exchange rates and low service fees compared to banks or other services.
Select instant cash pickup or mobile wallet options through ACE for real-time access to funds.
No. ACE is fully transparent with its fees. You’ll see the complete cost and transfer amount before confirming.
Yes, ACE allows you to set up recurring transfers, so your family receives money on time every month, without you having to remember each time.
