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Send money to Pakistan from Germany

The Process To Send Money To Pakistan From Germany - All You Need To Know

12 Jun 2023

Since there are several methods to transfer funds from one place to another, the process is different for every method. Migrants from Pakistan travelling to developed countries like Germany for want of work find it pretty confusing. Pakistani migrants find jobs in Germany, given the country’s robust economy and availability of work opportunities across several fields, and earn a living and send money to Pakistan to support those financially dependent on them, including their families.

The country’s teetering economy is one of the important reasons for Pakistani migrants to travel abroad for better employment opportunities.


According to a World Bank report, the nominal Gross Domestic Product (GDP) of Pakistan was $348.26 billion in 2021. Its GDP per capita income in 2021 was $1,505, according to another report by the World Bank.

Apart from the economy, several other issues, such as poverty, joblessness, lack of quality education, etc., also contribute to triggering migration from Pakistan.


A glimpse of a Simple Logic Behind Understanding Different Processes to Send Money

Where the process of sending money online nowadays is fairly simple and straight, do you know why is it important to know the details?


Well, for the simple reason that the creeping in of some unscrupulous service providers in the remittance industry has made the process more complicated by painting a rosy picture of the process but only to fleece you in the name of offering services.


Because the more complex the services, the higher the chances for fraud.

This blog will shed light on some simple processes in different methods to transfer funds from across borders.


But first, let’s take a look at the German economy and a few reasons for migrants to go to Germany and find work there.

Germany – Economy And A Few Prime Reasons Attracting Pakistani Migrants


The German Economy

  • Germany had a nominal Gross Domestic Product (GDP) of $4.26 trillion in 2021, a World Bank report said.
  • The country’s GDP per capita income in 2021, according to another World Bank report, was $51,203.6.

These are huge figures and show that Germany has a strong economy. And a strong economy such as Germany’s, needless to say, is synonymous with several work opportunities, attracting migrants from Pakistan, or other developing countries for that matter, to come here for work and then send money to Pakistan online.


Minimum Wage and Average Salary in Germany

Germany offers a minimum wage of €1,614 per month or €19,368 annually, which is pretty handsome in comparison to the wages in other European countries.

The average gross salary in Germany is around €70,754, which, like wages, is relatively greater than the average salary in other European countries.

Overtime Is Hardly Allowed

Working hours in Germany are typically 8, but these should not exceed 10 hours in certain circumstances. The maximum work week in Germany is 48 hours, and German law makes it difficult for employers to ask their employees to work Sundays.

In case employees are asked to work Sundays, employers are bound to ensure their employees get at least 15 Sundays off per year.

Public Pension Plan

Employees in Germany are required to contribute to Germany’s Public Pension Plan, with employers required to contribute half of the pension rate. Currently, the pension rate is 18.7% of the salary. But, this rate is set to increase to about 20% by 2025.

Entitlement To Leaves

Apart from public holidays, which are, of course, paid, employees in Germany are entitled to 20 paid days off per year in a 5-days work week and 24 if the work week is 6 days.

Best Quality of Education

Germany is home to some of the world’s best educational institutions. Your chances of getting prospective international jobs can increase manifold with a German degree in your hands.

Are you interested in learning more about how to get a job in Germany as a Pakistani migrant? Click here: Migrating And Finding A Job In Germany As A Pakistani Migrant.


Let’s now take a look at the process of transferring funds in two major methods of doing so.


Two Major Methods To Transfer Funds

Two methods are in vogue to move funds from one place to another for any purpose. One is through remittance service companies, and the other is through banks.


Let’s take a look at these processes separately.

What Is The Process Of A Money Transfer To Pakistan Through An Online Money Transfer Company?

  • The first step is to find a service provider that corresponds to your money transfer needs.
  • Check what options are available with the company.
  • .Check if it offers a money transfer app, or you will have to visit the office in person.
  • Once you find out that the company has a mobile app, which almost all service providers have nowadays, download it on your phone
  • Register with the app
  • Open it and configure its settings accordingly
  • Select the person you wish to send money to once you are done with the settings.
  • Select the amount
  • Check currency exchange rates (be mindful that live rates offer you the best deals) 
  • Select the amount if you are satisfied with the rates being offered
  • Check the details and credentials you have entered thoroughly
  • Check all the details again and remove errors, if any
  • Hit send!

Some of the steps are involved in the process of finding a service, while the transferring process itself is short, simple and easy.

Money Transfer Process Through Banks

  • You will have to visit the bank in person
  • Ascertain details
  • Fill out the forms
  • Checking exchange rates is useless as banks always have fixed rates
  • Deposit money if you do not already have it in your account
  • Share details of the recipient
  • Initiate a transfer, pay a fee, and wait for a few days for the transfer to complete.

ACE Money Transfer – Your Easy Remittances Solution

Your online money transfer to Pakistan with ACE Money Transfer’s mobile app is a simple process that consists of only entering credentials as all other points the company takes care of to offer you the best money transfer deal.



What are the different methods available for sending money from Germany to Pakistan?

There are multiple methods for sending money, such as bank transfers, wire transfers, and online money transfer services like ACE Money Transfer. You could also use mobile payment services or prepaid cards, depending on the recipient's preference and accessibility.

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

Typically, you would need the recipient's full name as it appears on their legal documents and banking details, including their bank name, branch information, and account number. If you're using an online service, you might also need their email address or phone number.


How long does it take to send money from Germany to Pakistan?

The duration varies based on the method used. Bank transfers may take several days, whereas online transfer services can often transfer funds within minutes or hours; ACE Money Transfer’s 7-second transfer is the best example in this regard. However, please check with the specific service you use for accurate timelines.

Are there any limits on the amount of money I can send from Germany to Pakistan?

Yes, most transfer methods have a limit, which varies depending on the provider and the specific service you choose. It's important to check these limits before initiating a transfer.

How safe is it to send money from Germany to Pakistan?

It's generally safe, especially if you're using a reputable bank or money transfer service. These institutions are regulated and use various security measures to protect your money. However, always ensure to protect your personal information and verify the identity of the recipient.



  • Pakistan’s GDP

(GDP (current US$) - Pakistan | Data (

  • Pakistan’s GDP per capita

(GDP per capita (current US$) - Pakistan | Data (

  • Germany’s GDP

(GDP (current US$) - Germany | Data (

  • Germany’s GDP per capita

(GDP per capita (current US$) - Germany | Data (

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