Xe is the best and cheapest service overall. On €7,000 you will get 2,225,501.6 PKR after fees and the exchange rate.
We’ve compared 8 money transfer companies in more detail below.
| 8 of 8 providers Last updated on 28 September 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/PKR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €49.88 1 EUR = 315.2300 PKR +0.12% vs mid-market | Recipient gets Rs 2,190,886.33 Within minutes | |
Ways to receive money in Pakistan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €49.881 EUR = 315.2300 PKR Rs 2,190,886.33You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 317.9288 PKR -0.73% vs mid-market | Recipient gets Rs 2,225,501.60 Minutes - 24 hours | |
Ways to receive money in Pakistan with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 317.9288 PKR Rs 2,225,501.60You pay€7,000.00 | |||
Run a live search Showing top Germany to Pakistan deals for 7,000 EUR. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live EUR to PKR rates. | |||
Run a live search These companies offer multi-currency accounts for spending PKR. We suggest doing a live search based on how much EUR you're planning to spend in Pakistan. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 317.9288 PKR -0.73% vs mid-market | Recipient gets Rs 2,225,501.60 Minutes - 24 hours | |
Ways to receive money in Pakistan with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 317.9288 PKR Rs 2,225,501.60You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 317.9288 PKR -0.73% vs mid-market | Recipient gets Rs 2,225,501.60 Minutes - 24 hours | |
Ways to receive money in Pakistan with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 317.9288 PKR Rs 2,225,501.60You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 317.9288 PKR -0.73% vs mid-market | Recipient gets Rs 2,225,501.60 Minutes - 24 hours | |
Ways to receive money in Pakistan with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 317.9288 PKR Rs 2,225,501.60You pay€7,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Bank transfer | Fee €0.00 1 EUR = 315.6596 PKR -0.01% vs mid-market | Recipient gets Rs 2,209,617.20 Minutes - 24 hours | |
Ways to receive money in Pakistan with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 EUR = 315.6596 PKR Rs 2,209,617.20You pay€7,000.00 Bank depositMinutes - 24 hoursAvailable via:All Banks Free1 EUR = 315.6596 PKR Rs 2,209,617.20You pay€7,000.00 Cash pickupMinutes - 24 hours €3.991 EUR = 314.1377 PKR Rs 2,198,963.90You pay€7,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee €0.00 1 EUR = 315.5946 PKR +0.01% vs mid-market | Recipient gets Rs 2,209,162.20 Minutes - 24 hours | |
Ways to receive money in Pakistan with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks Free1 EUR = 315.5946 PKR Rs 2,209,162.20You pay€7,000.00 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €0.991 EUR = 315.2053 PKR Rs 2,206,437.10You pay€7,000.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 EUR = 314.4025 PKR Rs 2,200,817.50You pay€7,000.00 Cash pickupMinutes - 24 hours €3.991 EUR = 314.1377 PKR Rs 2,198,963.90You pay€7,003.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee €0.00 1 EUR = 315.5946 PKR +0.01% vs mid-market | Recipient gets Rs 2,209,162.20 Minutes - 24 hours | |
Ways to receive money in Pakistan with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hoursAvailable via:All Banks Free1 EUR = 315.5946 PKR Rs 2,209,162.20You pay€7,000.00 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card €0.991 EUR = 315.2053 PKR Rs 2,206,437.10You pay€7,000.99 Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 EUR = 314.4025 PKR Rs 2,200,817.50You pay€7,000.00 Cash pickupMinutes - 24 hours €3.991 EUR = 314.1377 PKR Rs 2,198,963.90You pay€7,003.99 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 314.7606 PKR +0.27% vs mid-market | Recipient gets Rs 2,203,324.02 Minutes - 24 hours | |
Ways to receive money in Pakistan with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 314.7606 PKR Rs 2,203,324.02You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 314.0347 PKR +0.50% vs mid-market | Recipient gets Rs 2,198,242.65 Minutes - 24 hours | |
Ways to receive money in Pakistan with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 314.0347 PKR Rs 2,198,242.65You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 314.0000 PKR +0.51% vs mid-market | Recipient gets Rs 2,198,000.00 Minutes | |
Ways to receive money in Pakistan with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 314.0000 PKR Rs 2,198,000.00You pay€7,000.00 Cash pickupMinutesAvailable via:Bank Al-Habib Cash Pickup, Faysal Bank Cash Pickup, UBL Cash Pickup Free1 EUR = 314.0000 PKR Rs 2,198,000.00You pay€7,000.00 Mobile moneyMinutesAvailable via:Easypaisa, JazzCash Free1 EUR = 314.0000 PKR Rs 2,198,000.00You pay€7,000.00 Mobile walletMinutesAvailable via:SadaPay Free1 EUR = 314.0000 PKR Rs 2,198,000.00You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €49.88 1 EUR = 315.2300 PKR +0.12% vs mid-market | Recipient gets Rs 2,190,886.33 Within minutes | |
Ways to receive money in Pakistan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €49.881 EUR = 315.2300 PKR Rs 2,190,886.33You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €59.96 1 EUR = 315.2300 PKR +0.12% vs mid-market | Recipient gets Rs 2,187,708.81 Within minutes | |
Ways to receive money in Pakistan with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €59.961 EUR = 315.2300 PKR Rs 2,187,708.81You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €2.99 1 EUR = 312.2342 PKR +1.08% vs mid-market | Recipient gets Rs 2,184,705.54 Minutes - 2 days | |
Ways to receive money in Pakistan with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 2 days €2.991 EUR = 312.2342 PKR Rs 2,184,705.54You pay€7,000.00 Mobile moneyMinutes - 2 days €2.991 EUR = 312.2342 PKR Rs 2,184,705.54You pay€7,000.00 Bank depositMinutes - 2 days €2.991 EUR = 312.2342 PKR Rs 2,184,705.54You pay€7,000.00 Card depositMinutes - 2 days Free1 EUR = 308.4097 PKR Rs 2,158,868.11You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €51.00 1 EUR = 314.1693 PKR +0.46% vs mid-market | Recipient gets Rs 2,183,162.14 Within minutes | |
Ways to receive money in Pakistan with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €51.001 EUR = 314.1693 PKR Rs 2,183,162.14You pay€7,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| Wise Pay via Debit card | Fee €104.65 1 EUR = 315.2300 PKR +0.12% vs mid-market | Recipient gets Rs 2,173,621.18 Within minutes | |
Ways to receive money in Pakistan with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €104.651 EUR = 315.2300 PKR Rs 2,173,621.18You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €146.52 1 EUR = 315.2300 PKR +0.12% vs mid-market | Recipient gets Rs 2,160,422.50 Within minutes | |
Ways to receive money in Pakistan with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €146.521 EUR = 315.2300 PKR Rs 2,160,422.50You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 315.6127 PKR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer from Germany, I suggest picking the cheapest option which is Xe.
On a 7,000 EUR transfer, Xe delivers the most PKR.
This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/PKR rate.
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
First time round you'll need a photo ID and proof of your German address.
Video identification is also normal and takes a few minutes.
There are 8 companies for sending money from Germany to Pakistan, across app, online, broker, multi-currency account, global account, and in person, and more below.
Fastest and easiest way
Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.
Sending €7,000 with Xe to Pakistan gets you 2,225,501.6 PKR with a €0 fee and -0.73% markup.
Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.
For paying in cash at a counter
There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.
Deposit €7,000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.
In general, online transfers are cheaper than sending cash to Pakistan.
For large transfers from Germany
For buying property, moving to Pakistan, or moving pensions, a currency broker is the best option.
A broker like Xe charges no fee and works on a margin. It adds -0.73% on EUR/PKR which gets negotiated the more you send.
And you get an account manager to help you through the process.
For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.
For making business payments
Global accounts are for businesses making payments to Pakistan.
Be it overseas suppliers and contractors, receiving PKR payments, or holding PKR and EUR in one business account.
Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.
For spending & receiving
A multi-currency account lets you hold EUR and PKR in one account.
You get PKR bank details, and can receive international payments like rent, dividends, family payments without additional conversions.
You can convert PKR to EUR or EUR to PKR whenever you need.
The best multi currency account is Wise, it adds ~0.12% markup and charges small fees.
With Xe, paying by debit card and receiving through bank deposit is the cheapest way. Sending €7,000 gives your recipient 2,225,501.6 PKR.
You can pay for the transfer using bank transfer, debit card, credit card, and ideal.
Using German bank
A SEPA bank transfer is usually the cheapest way to deposit EUR.
An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to Pakistan.
The recipient in Pakistan can receive PKR by bank deposit, cash pickup, mobile wallet, mobile money, and card deposit.
To receive PKR by bank deposit
Enter the recipient's banking details and account holders name.
Check both before sending because correcting a bank deposit will delay the transfer.
They can receive cash in Pakistan
For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.
You pay €7,000.00
₨2,225,502
Cheapest
You pay €7,000.00
₨2,225,502
₨0
You pay €7,000.00
₨2,225,502
₨0
You pay €7,000.00
₨2,209,617
-₨15,884
You pay €7,000.99
₨2,206,437
-₨19,065
You pay €7,000.99
₨2,206,437
-₨19,065
You pay €7,000.00
₨2,200,818
-₨24,684
You pay €7,000.00
₨2,200,818
-₨24,684
You pay €7,003.99
₨2,198,964
-₨26,538
You pay €7,003.99
₨2,198,964
-₨26,538
You pay €7,003.99
₨2,198,964
-₨26,538
You pay €7,000.00
₨2,198,000
-₨27,502
You pay €7,000.00
₨2,187,709
-₨37,793
The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.
For a €7,000 transfer to Pakistan, these are the best options:
Cheapest way to send money to Pakistan
The cheapest option is Xe, funded by debit card with bank deposit for the payout. Your recipient gets 2,225,501.6 PKR, which is 0.71% more than the next best option.
Fastest way to send money to Pakistan
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 2,183,162.14 PKR in innerhalb von minuten.
Germany's AWV reporting threshold is €50,000.
A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.
It is a statistics report, not a tax or permission request.
Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.
The automated AWV notice shown by a bank does not mean every transfer is reportable.
The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.
If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.
A payment converted into PKR sits outside that pricing rule and may involve another bank or payout partner.
Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.
This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.
The EUR/PKR rate can move noticeably within a week, changing the amount your recipient gets in PKR.
Mid-market rate:1 EUR = 315.034745 PKR
Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.
We then track 8 of them on EUR to Pakistan, comparing rates, fees and the pay-in and payout options.
More on who we are, why you can trust us and how to get started.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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