19 May 2025
With the increasing number of Pakistani migrants, expats, and students settling in Poland, the demand for seamless, secure, and cost-efficient international money transfers has grown rapidly. These individuals frequently send money back home to support families, pay for education, or invest in property and businesses. Choosing the right bank account for such as making amoney transfer from Poland to Pakistan can make a significant difference in terms of cost, speed, and convenience. While Polish banks do offer international transfer services, they often come with high fees, slow processing, and complex procedures. This is where ACE Money Transfer stands out as a more practical, fast, and economical alternative for sending money from Poland to Pakistan.
Selecting a suitable bank account is not just about storing money. For Pakistani expats in Poland, it’s about ensuring their hard-earned income reaches home safely, quickly, and without unnecessary deductions.
Traditional banks in Poland often charge hefty fees for sending money outside the EU, especially to countries like Pakistan. In addition to fixed charges, banks usually offer less competitive exchange rates, which means your recipient receives a lower amount after conversion. These hidden margins can significantly reduce the actual remittance value.
Bank transfers from Poland to Pakistan via SWIFT often take 2 to 5 business days, depending on the intermediary banks involved. This can be frustrating during emergencies or when immediate support is needed back home.
In contrast, digital services like ACE Money Transfer offer near-instant transfers, making them a more reliable choice.
Opening a bank account in Poland can be a hurdle for newly arrived Pakistani migrants or students. Banks often require residency documents, proof of address, and employment verification.
Furthermore, managing accounts and initiating international transfers can be challenging due to language barriers and limited English support.
To minimise hassle and expenses, Pakistani expats must evaluate key features before choosing a bank in Poland for remittances.
Look for banks that are transparent about their fees and don’t hide extra charges under “processing” or “handling” costs. Some banks charge a flat fee while others take a percentage of the amount sent. Always read the fine print to avoid surprises.
The exchange rate margin is the silent killer of international transfers. Some banks add a markup of 2-4% over the mid-market rate. A better bank or service will offer rates closer to the market standard, ensuring that your family in Pakistan receives more rupees for every zloty sent.
A good mobile app can save time and effort. Banks with strong digital platforms let you manage accounts, initiate transfers, and monitor exchange rates on the go. This is especially convenient for younger expats and students who prefer digital solutions.
Banks with partnerships or integration with money transfer services in Pakistan (like JazzCash, Easypaisa, or local banks) make the process smoother. This ensures that your money reaches Pakistan faster and safer through well-established channels.
Let’s explore some of the best Polish banks that Pakistani expats consider for remittance purposes.
As Poland’s largest and oldest bank, PKO Bank Polski offers extensive banking services, including international money transfers via SWIFT. However, it’s not the most economical choice. Transfer fees and exchange margins are on the higher side, and the process can be a bit bureaucratic. On the plus side, it has a wide branch network and stable infrastructure.
Part of the global Santander Group, this bank offers international transfers with decent digital banking support. For transfers to non-EU countries like Pakistan, the fees can vary depending on the amount and transfer method used.
Santander does offer mobile-friendly solutions, which is a plus for tech-savvy users.
mBank is well-known for its mobile-first approach and is popular among expats for its easy account setup and intuitive app. Their international transfer options are relatively affordable, but they still rely on the SWIFT network, which may result in delays and additional fees.
This bank stands out for its efficient online banking services and is ideal for people who frequently send money abroad. ING offers slightly better exchange rates and lower fees compared to some of its competitors.
Still, delays can occur due to reliance on intermediary banks.
Alior Bank has made strides in digital banking innovation, providing a clean user experience and easy online account management. It also offers relatively lower charges for SWIFT-based international transfers. However, like others, it still lacks direct partnerships in Pakistan.
Despite having a solid banking infrastructure, the process to send money to Pakistan from Poland comes with several pain points.
International transfers via banks often require IBAN, SWIFT/BIC codes, recipient verification, and additional documentation. These complexities make the process slow and difficult for those unfamiliar with banking protocols.
Even after paying an upfront fee, you might be hit with correspondent bank charges, currency conversion fees, and unexpected deductions. These hidden costs can eat into the total amount sent.
The average time for a traditional bank transfer to reach Pakistan is 2–5 business days. In urgent situations, this delay can cause unnecessary stress and financial strain on families back home.
Sending money from Poland to Pakistan doesn’t have to be complicated or expensive. With ACE Money Transfer, the process is simple, quick, and completely digital.
ACE Money Transfer offers instant or same-day transfers to Pakistan, depending on the delivery method. This is much faster than traditional bank processes, which can take days. 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.
ACE is known for its low-cost transfer model and offers live exchange rates, so you always know what your recipient will get. No hidden fees, just transparent pricing.
Its mobile app is tailored for expats, with an interface that’s easy to navigate, available in multiple languages, and loaded with features like real-time tracking and instant notifications.
ACE offers special benefits for Pakistani users, including promotions, referral bonuses, and sometimes fee-free transfers. Their support team also understands the specific needs of the Pakistani community in Poland.
Whether you're supporting your family, paying tuition, or covering bills back home, ACE gives you the flexibility and reliability you need. Below is a breakdown of how it works and the options available to your recipients in Pakistan.
While Polish banks like mBank, ING, and Alior offer decent services for making anonline money transfer from Poland to Pakistan, they often come with high fees, complicated processes, and long delays. For Pakistani expats who want to send money back home quickly and affordably, ACE Money Transfer offers a faster, safer, and more cost-effective solution. It’s not just a transfer service, it’s a smarter way to support your loved ones in Pakistan from Poland.
Yes, you can, provided you have a valid residence permit, passport, and sometimes proof of employment or address.
mBank and ING Bank Śląski generally offer more competitive rates, but charges still apply.
Typically 2–5 business days, depending on the bank and method used.
Yes, ACE is a licensed and regulated provider that uses advanced encryption to secure your transfers.
Yes, limits vary based on your payment method and verification level, but ACE usually allows higher limits than banks.
