Send Money from Germany to Pakistan
Compare current EUR → PKR rates from 17+ providers. JazzCash, Easypaisa, and bank deposit available.
Why People Send Money Germany → Pakistan
Germany is home to approximately 140,000 people with Pakistani roots (BAMF, 2022 data), making it one of the significant sources of Pakistani remittances in Europe. The community is concentrated in cities including Frankfurt, Hamburg, Cologne, and Berlin. Remittances support families back home with living costs, housing, education, and medical expenses. Mobile wallet adoption in Pakistan has grown rapidly — JazzCash and Easypaisa together serve tens of millions of users, and both are available as payout methods from Germany through multiple providers.
Pro Tip: SEPA bank transfer can be cheaper than paying by card
Paying by SEPA bank transfer can be cheaper than using a card with some providers. Use the comparison table above to check the total cost — including fees and the exchange rate margin — before choosing a provider.
How to send money from Germany to Pakistan
- Compare EUR→PKR rates in the tool above: Look at the total PKR your recipient receives — not just the listed fee. The exchange rate margin is often where providers hide cost. For a €500 transfer, a 1% rate difference means roughly PKR 1,500–2,000 less for your recipient depending on the day's rate.
- Choose your provider and sign up: Register using your German ID or passport. You will need a government-issued photo ID and proof of address. For transfers above €5,000, some providers may ask for proof of income or source of funds — have these ready to prevent delays.
- Enter recipient details carefully: For JazzCash or Easypaisa: the recipient's registered mobile number. For bank deposit: the 24-character Pakistani IBAN (starts with PK, contains letters and numbers). For cash pickup: the recipient's full name exactly as on their government ID.
- Pay via SEPA for lowest cost: SEPA bank transfer from your German account is free and typically processes within hours. Debit card payments are accepted by most providers but may add a small surcharge. Avoid credit cards — they often incur a cash advance fee from your German bank on top of the transfer cost.
- Confirm and notify your recipient: After confirming, wallet transfers to JazzCash or Easypaisa typically arrive within minutes. Bank deposit transfers usually take 1–3 business days. Your provider will send tracking updates by email or SMS.
What to know
JazzCash and Easypaisa wallet delivery available from Germany
Both JazzCash and Easypaisa — Pakistan's two largest mobile wallets — are available as payout methods from Germany. Providers confirmed for JazzCash delivery from Germany: WorldRemit, ACE Money Transfer, TapTap Send. Providers confirmed for Easypaisa delivery from Germany: WorldRemit, Western Union, ACE Money Transfer, TapTap Send. Wallet transfers typically arrive within minutes. Select 'mobile money' or 'mobile wallet' as the delivery method and enter the recipient's registered mobile number.
Pakistani IBANs required for bank deposit
For bank transfers to a Pakistani account, you need the recipient's 24-character IBAN (format: PK + 2 check digits + 4-letter bank code + 16-digit account number). Pakistani IBANs start with 'PK'. Major banks accepting international transfers include HBL, UBL, Meezan Bank, MCB, and Standard Chartered Pakistan. Your recipient can find their IBAN in their mobile banking app or by contacting their branch. Wise, WorldRemit, and Western Union all support direct bank deposit from Germany.
All licensed providers in Germany are BaFin-regulated
All licensed money transfer providers operating in Germany are regulated by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) or authorised under the EU Payment Services Directive (PSD2). This applies to all providers in the comparison table — Wise, WorldRemit, Western Union, ACE Money Transfer, and TapTap Send. For transfers above €5,000, enhanced identity and source-of-funds verification is required under EU anti-money-laundering rules.
For Germany→Pakistan transfers, Wise offers the most transparent pricing for bank deposits — it uses the mid-market EUR/PKR rate with a flat fee and no exchange rate markup, but does not support JazzCash or Easypaisa wallet delivery. WorldRemit explicitly supports both JazzCash and Easypaisa from Germany, as well as bank deposit and cash pickup, with wallet transfers typically arriving in minutes. ACE Money Transfer is a strong option for Germany→Pakistan with Easypaisa and JazzCash delivery confirmed, bank deposit, cash pickup, and starting fees from €1. TapTap Send supports JazzCash and Easypaisa from Germany with a per-transfer limit of €2,000. Western Union supports Easypaisa wallet delivery, bank deposit, and cash pickup at agent locations from Germany. Use the comparison table above to see current rates for your specific amount.
FAQs
What is the cheapest way to send money from Germany to Pakistan?
Wise is typically the most transparent option for EUR to PKR bank transfers, using the mid-market rate with a flat fee and no exchange rate markup. ACE Money Transfer and TapTap Send can also be cost-competitive, particularly for wallet delivery to JazzCash or Easypaisa. Use the comparison table above to see current rates — the cheapest provider varies by amount and delivery method.
Can I send money to JazzCash from Germany?
Yes. JazzCash wallet delivery from Germany is supported by WorldRemit, ACE Money Transfer, and TapTap Send. Select 'mobile money' or 'mobile wallet' as the delivery method and enter the recipient's JazzCash-registered mobile number. Transfers to JazzCash typically arrive within minutes.
Can I send money to Easypaisa from Germany?
Yes. Easypaisa wallet delivery from Germany is available through WorldRemit, Western Union, ACE Money Transfer, and TapTap Send. Enter the recipient's Easypaisa-registered mobile number when prompted. Wallet transfers typically arrive in minutes.
How long does a money transfer from Germany to Pakistan take?
Wallet transfers to JazzCash or Easypaisa typically arrive within minutes. Bank deposit transfers usually take 1–3 business days depending on the provider and payment method. Wise transfers to Pakistani bank accounts typically arrive the same day or within one business day once funds are received.
Is Wise available for Germany to Pakistan transfers?
Yes. Wise supports EUR to PKR transfers from Germany directly to Pakistani bank accounts. It uses the mid-market rate with a transparent fee — typically the best value for bank-to-bank transfers on this corridor. Wise does not currently support JazzCash or Easypaisa wallet delivery.
Is ACE Money Transfer good for Germany to Pakistan?
ACE Money Transfer has a dedicated Germany→Pakistan service and explicitly supports both Easypaisa and JazzCash wallet delivery, as well as bank deposit and cash pickup. Starting fees are from €1. Compare its rate against Wise and TapTap Send in the table above to see which is best for your amount today.
What payment methods can I use to send from Germany?
Most providers accept SEPA bank transfer and debit card from Germany. Some also accept credit card, though credit card funding often costs more. SEPA bank transfer is typically the cheapest payment method. Check your chosen provider's payment options before sending.
Are money transfer providers in Germany regulated?
Yes. All licensed providers operating in Germany are regulated by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) or authorised under the EU Payment Services Directive (PSD2). This covers Wise, WorldRemit, Western Union, ACE Money Transfer, and TapTap Send. For transfers above €5,000, enhanced identity and source-of-funds verification is required under EU anti-money-laundering rules.