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Send Money From Madrid to HBL Pakistan with ACE

How to Send Money from Madrid to HBL in Pakistan with ACE

12 Jun 2025


Living abroad, whether you're an immigrant, an expat, or an international student in Spain, often means you're regularly sending money home to support your loved ones. The process of sending funds across borders can sometimes feel complicated, expensive, and time-consuming. But what if there was a way to make your money transfer from Spain to Pakistan incredibly simple, affordable, and quick—especially when sending to HBL in Pakistan?

Many people sending money from Spain face challenges like high transfer fees, unfavourable exchange rates, and lengthy processing times. These factors can eat into the hard-earned money you're trying to send to your family and friends. This blog will help you understand how you can overcome these hurdles and make your money transfer to Pakistan efficient and stress-free.

Smart Remittances for Overseas Pakistanis

For the vibrant Pakistani community in Spain, staying connected with family back home is paramount. Financial support often plays a crucial role in daily expenses, education, healthcare, and special occasions. Choosing the right service for online money transfer to Pakistan from Spain is not just about convenience; it’s about ensuring your money reaches your loved ones safely and with maximum value.

In 2024, Pakistan was among the top five recipient countries for remittances among low- and middle-income countries, receiving an estimated 28.4 billion EUR ($33 billion). Hence, the global remittance landscape has seen significant changes, with a growing emphasis on digital solutions. 

Traditional vs. Modern Money Transfer Methods

For years, traditional banks were the primary option for international money transfers. While reliable, they often came with a hefty price tag in terms of fees and less competitive exchange rates. The process could also be slow, sometimes taking days for the funds to arrive.

Thankfully, the digital age has brought forward innovative solutions that prioritize speed, affordability, and user-friendliness.

Why Choose Online Remittance Transfer to Pakistan from Spain?

  • Convenience at Your Fingertips: You can send money online to Pakistan from Spain using your smartphone or computer—no branch visits or queues.
  • Faster Transactions: Many transfers are completed within minutes—ideal for emergencies or urgent support.
  • Better Exchange Rates: Online services usually offer better Euro to PKR rates. As of June 12, 2025, 1 Euro equals approximately 333 Pakistani Rupees. 
  • Lower Fees: These platforms offer reduced or zero transfer fees for some routes or during promotions.
  • Enhanced Security: Reputable providers ensure your money and information stay safe with advanced encryption and security protocols.

Send Money from Madrid to HBL with ACE

When looking for a reliable and efficient online transfer to Pakistan, ACE Money Transfer is a top contender. Known for its speed, affordability, and user-friendly interface, ACE makes it easier for overseas Pakistanis to send funds back home.

Benefits of Using ACE Money Transfer

  • Instant Transfers: Many transactions are processed in minutes, offering immediate relief to your family.
  • Competitive Exchange Rates: ACE offers attractive Euro to PKR conversion rates to maximise your support.
  • Low Transfer Fees: Save more money with their minimal and transparent fee structure.
  • Direct to HBL Accounts: Send directly to any HBL account—convenient and fast for recipients.
  • Instant Cash Pickup in Pakistan: If your recipient prefers Instant cash pickup Pakistan, ACE supports this option as well. 
  • User-Friendly Platform: Easy-to-use website and mobile app for smooth transactions.
  • Secure Transactions: Your data and money are protected with cutting-edge security protocols.

How to Remit Money from Madrid to HBL in Pakistan with ACE App

  • Sign Up or Log In: New users can create an account, while returning users simply log in. You may also login through Apple and Google credentials as well. 
  • Choose Sending country: Select Spain as the sending country.
  • Select Delivery Method:  Choose delivery method like bank deposit (HBL) or cash pickup.
  • Enter Transfer Details: Choose the amount and pay using debit/credit card or bank transfer.
  • Choose Destination: Select Pakistan as the receiving country.
  • Provide Recipient Details: For HBL, enter account number and personal info; for cash, just the recipient’s name and contact info.
  • ID Confirmation: confirm your ID, following KYC standard procedures. 
  • Confirm and Send: Review the details, confirm, and your money is on its way!

Want to track your transfer? You can track it at the ACE app & ACE website as well. 

Download the ACE App (Andriod | IOS) Now!

Making the Most of Your Money

Sending money home should not mean sacrificing a big chunk of your income. By selecting a service that offers the best rates and lowest fees, you're ensuring that more of your support reaches your family. ACE Money Transfer is designed with this in mind. It offers a balance of cost-effectiveness, security, and speed—making it the smart choice for anyone who sends money frequently from Spain to Pakistan.

Empower Your Remittances with ACE

For anyone in Madrid looking to send money online to Pakistan from Spain, particularly to HBL, ACE Money Transfer is a reliable, fast, and cost-effective solution. With their easy-to-use platform, great rates, and efficient delivery methods, you can rest assured that your hard-earned money is in good hands.

Choose ACE and experience remittances that are fast, secure, and affordable.

FAQs

What is the cheapest way to remit money to Pakistan from Spain?

ACE Money Transfer provides zero fee on first transaction from Spain to Pakistan. Moreover, Online services usually offer the lowest fees and better exchange rates compared to traditional banks.

How long does it take to remit money from Madrid to HBL in Pakistan with ACE?

Most transfers are processed instantly. Some may take a 1-3 days depending on delivery method and banking hours.

Can I remit money directly to an HBL account in Pakistan?

Yes, ACE allows direct transfers to HBL accounts. Just select "Bank Deposit" as your delivery method and enter the required details.

Is it safe to remit money online to Pakistan from Spain with ACE?

Yes, ACE uses top-level security and encryption to protect your funds and personal information.

What information does my recipient need for cash pickup in Pakistan?

They’ll need their full name (as per CNIC), a valid ID, and the transaction reference number to collect money from the nearest HBL branch or partner location. 


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