How to send money to Pakistan from Spain with the best EUR-PKR rate

Revolut is the fastest way to send money from Spain to Pakistan, and its delivery time is within minutes.

For the cheapest option, Regency FX will get you 2,170,467.26 PKR on a 7,000 EUR transfer.

Best companies for EUR/PKR transfers

8 of 8 providers

Last updated on 10 November 2026

Based on 7,000 EUR transfer

Best companies for EUR/PKR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €49.89 1 EUR = 310.8850 PKR +0.01% vs mid-market Recipient gets Rs 2,160,684.95 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Pakistan with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€49.891 EUR = 310.8850 PKR
Rs 2,160,684.95You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 307.5255 PKR +1.09% vs mid-market Recipient gets Rs 2,152,678.50 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Pakistan with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 307.5255 PKR
Rs 2,152,678.50You pay€7,000.00

Run a live search

Showing top Spain to Pakistan deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 310.0668 PKR +0.27% vs mid-market Recipient gets Rs 2,170,467.26 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Pakistan with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 310.0668 PKR
Rs 2,170,467.26You pay€7,000.00

OFX

Pay via Bank transfer
Fee €0.00 1 EUR = 309.3517 PKR +0.50% vs mid-market Recipient gets Rs 2,165,461.67 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in Pakistan with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 309.3517 PKR
Rs 2,165,461.67You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €0.00 1 EUR = 309.3292 PKR +0.51% vs mid-market Recipient gets Rs 2,165,304.40 Minutes - 24 hours

Ways to receive money in Pakistan with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
Free1 EUR = 309.3292 PKR
Rs 2,165,304.40You pay€7,000.00
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 EUR = 309.0196 PKR
Rs 2,163,137.20You pay€7,000.00
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
€1.991 EUR = 307.7810 PKR
Rs 2,154,467.00You pay€7,001.99
Cash pickupMinutes - 24 hours
€2.991 EUR = 306.6286 PKR
Rs 2,146,400.20You pay€7,002.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €0.00 1 EUR = 309.3292 PKR +0.51% vs mid-market Recipient gets Rs 2,165,304.40 Minutes - 24 hours

Ways to receive money in Pakistan with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
Free1 EUR = 309.3292 PKR
Rs 2,165,304.40You pay€7,000.00
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 EUR = 309.0196 PKR
Rs 2,163,137.20You pay€7,000.00
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
€1.991 EUR = 307.7810 PKR
Rs 2,154,467.00You pay€7,001.99
Cash pickupMinutes - 24 hours
€2.991 EUR = 306.6286 PKR
Rs 2,146,400.20You pay€7,002.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €0.00 1 EUR = 309.3292 PKR +0.51% vs mid-market Recipient gets Rs 2,165,304.40 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 = 309.3292 PKR
Rs 2,165,304.40You pay€7,000.00
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 EUR = 309.0196 PKR
Rs 2,163,137.20You pay€7,000.00
Cash pickupMinutes - 24 hours
€2.991 EUR = 306.6286 PKR
Rs 2,146,400.20You pay€7,002.99

Wise

Pay via Bank transfer
Fee €49.89 1 EUR = 310.8850 PKR +0.01% vs mid-market Recipient gets Rs 2,160,684.95 Within minutes
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Pakistan with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€49.891 EUR = 310.8850 PKR
Rs 2,160,684.95You pay€7,000.00

Wise

Pay via iDEAL
Fee €59.97 1 EUR = 310.8850 PKR +0.01% vs mid-market Recipient gets Rs 2,157,551.23 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Pakistan with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€59.971 EUR = 310.8850 PKR
Rs 2,157,551.23You pay€7,000.00
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee €2.99 1 EUR = 307.9629 PKR +0.95% vs mid-market Recipient gets Rs 2,154,819.35 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Pakistan with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 2 days
€2.991 EUR = 307.9629 PKR
Rs 2,154,819.35You pay€7,000.00
Mobile moneyMinutes - 2 days
€2.991 EUR = 307.9629 PKR
Rs 2,154,819.35You pay€7,000.00
Bank depositMinutes - 2 days
€2.991 EUR = 307.9629 PKR
Rs 2,154,819.35You pay€7,000.00
Card depositMinutes - 2 days
Free1 EUR = 301.4235 PKR
Rs 2,109,964.29You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 307.5255 PKR +1.09% vs mid-market Recipient gets Rs 2,152,678.50 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Pakistan with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 307.5255 PKR
Rs 2,152,678.50You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 307.5255 PKR +1.09% vs mid-market Recipient gets Rs 2,152,678.50 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Pakistan with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 307.5255 PKR
Rs 2,152,678.50You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 307.5255 PKR +1.09% vs mid-market Recipient gets Rs 2,152,678.50 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Pakistan with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 307.5255 PKR
Rs 2,152,678.50You pay€7,000.00

TapTap Send

Pay via Debit card
Fee €0.00 1 EUR = 307.0000 PKR +1.26% vs mid-market Recipient gets Rs 2,149,000.00 Minutes
Receive to bank account

Ways to receive money in Pakistan with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 EUR = 307.0000 PKR
Rs 2,149,000.00You pay€7,000.00
Cash pickupMinutesAvailable via:Bank Al-Habib Cash Pickup, Faysal Bank Cash Pickup, UBL Cash Pickup
Free1 EUR = 307.0000 PKR
Rs 2,149,000.00You pay€7,000.00
Mobile moneyMinutesAvailable via:Easypaisa, JazzCash, NayaPay
Free1 EUR = 307.0000 PKR
Rs 2,149,000.00You pay€7,000.00
Mobile walletMinutesAvailable via:SadaPay
Free1 EUR = 307.0000 PKR
Rs 2,149,000.00You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €60.60 1 EUR = 309.4976 PKR +0.45% vs mid-market Recipient gets Rs 2,147,727.32 Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Pakistan with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€60.601 EUR = 309.4976 PKR
Rs 2,147,727.32You 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 €104.66 1 EUR = 310.8850 PKR +0.01% vs mid-market Recipient gets Rs 2,143,657.78 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Pakistan with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€104.661 EUR = 310.8850 PKR
Rs 2,143,657.78You pay€7,000.00

Wise

Pay via Credit card
Fee €146.53 1 EUR = 310.8850 PKR +0.01% vs mid-market Recipient gets Rs 2,130,641.02 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Pakistan with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€146.531 EUR = 310.8850 PKR
Rs 2,130,641.02You pay€7,000.00
How Our Results Work
Mid-market rate: 1 EUR = 310.9062 PKR Updates every 60 minutes.

How to send money from Spain to Pakistan

Pick a company

For a one-off transfer from Spain to Pakistan, I suggest picking Regency FX, it will get you the most PKR.

Regency FX was the cheapest on 5 of the 30 days it quoted €7,000 transfers to Pakistan.

The best option will change depending on the amount, so it's good to to get the best EUR/PKR rate today.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and iDEAL.

Bizum only works between Spanish accounts and caps at €1,000 per transfer (some banks set it lower), which is why these companies exist in the first place.

Verify and send

First time round you'll need your DNI, or your NIE if you're not Spanish, and a proof of address.

An empadronamiento certificate covers the address if you don't have a bill in your name yet.

Compare amounts

How much EUR are you sending to Pakistan?

How much EUR you send to Pakistan heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Regency FX was the cheapest in 19% of the transfers from €5,000 it quoted, and in 19% of all the transfers it quoted.

Cheapest service
€500-1.24%€0.00Rs 157,209.19with debit card to bank deposit+Rs 3,252.50
€1,000-0.47%€0.00Rs 312,230.30with credit card to cash pickup+Rs 4,640.49
€2,0000.34%€0.00Rs 619,060.00with debit card to bank deposit+Rs 3,034.48
€5,0000.42%€0.00Rs 1,546,646.00with debit card to mobile wallet+Rs 7,845.39
€7,000This page0.27%€0.00Rs 2,170,467.26with bank transfer to bank deposit+Rs 14,869.97
€10,0000.27%€0.00Rs 3,100,667.51with bank transfer to bank deposit+Rs 21,181.62

Mid-market rate: 1 EUR = 310.9062 PKR

EUR/PKR Exchange Rate History

Is today a good time to send money from Spain to Pakistan?

The cheapest way to send EUR to PKR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 7,000 EUR transfers to Pakistan.

PKR received for €7,000, after fees

Tue, 10 Nov 2026Mid-market rateRs 2,176,343.39 Regency FX Rs 2,170,467.26Regency FXRs 2,170,467.26OFXRs 2,165,461.67MoneyGramRs 2,165,304.40

2,14M
2,15M
2,16M
2,17M
2,18M
2,19M
At the mid-market rateWith the cheapest optionRegency FXOFXMoneyGram
Exchange rateFeeRecipient getsDifference
Mid-market rate 310.0762 – Rs 2,170,533.14
MoneyGram Cheapest 310.4600 €0.00 Rs 2,173,220.00 +Rs 2,686.86
Regency FX 309.2390 €0.00 Rs 2,164,672.70 −Rs 5,860.44
OFX 308.5258 €0.00 Rs 2,159,680.48 −Rs 10,852.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 310.0768 – Rs 2,170,537.80
TapTap Send Cheapest 310.2000 €0.00 Rs 2,171,400.00 +Rs 862.20
MoneyGram 309.4022 €0.00 Rs 2,165,815.40 −Rs 4,722.40
Regency FX 309.2396 €0.00 Rs 2,164,677.35 −Rs 5,860.45
OFX 308.5264 €0.00 Rs 2,159,685.11 −Rs 10,852.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 308.2584 – Rs 2,157,808.82
Regency FX Cheapest 307.4261 €0.00 Rs 2,151,982.74 −Rs 5,826.08
OFX 306.7171 €0.00 Rs 2,147,019.78 −Rs 10,789.04
MoneyGram No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 310.1016 – Rs 2,170,711.17
TapTap Send Cheapest 311.3000 €0.00 Rs 2,179,100.00 +Rs 8,388.83
MoneyGram 310.3406 €0.00 Rs 2,172,384.20 +Rs 1,673.04
Regency FX 309.2643 €0.00 Rs 2,164,850.24 −Rs 5,860.92
OFX 308.5511 €0.00 Rs 2,159,857.61 −Rs 10,853.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 311.3049 – Rs 2,179,134.40
TapTap Send Cheapest 311.3000 €0.00 Rs 2,179,100.00 −Rs 34.40
Regency FX 310.4644 €0.00 Rs 2,173,250.74 −Rs 5,883.66
MoneyGram 310.3406 €0.00 Rs 2,172,384.20 −Rs 6,750.20
OFX 309.7484 €0.00 Rs 2,168,238.73 −Rs 10,895.67
Exchange rateFeeRecipient getsDifference
Mid-market rate 311.5363 – Rs 2,180,754.39
TapTap Send Cheapest 311.3000 €0.00 Rs 2,179,100.00 −Rs 1,654.39
MoneyGram 311.2692 €0.00 Rs 2,178,884.40 −Rs 1,869.99
Regency FX 310.6952 €0.00 Rs 2,174,866.35 −Rs 5,888.04
OFX 309.9787 €0.00 Rs 2,169,850.62 −Rs 10,903.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 311.5363 – Rs 2,180,754.39
TapTap Send Cheapest 311.3000 €0.00 Rs 2,179,100.00 −Rs 1,654.39
MoneyGram 311.2692 €0.00 Rs 2,178,884.40 −Rs 1,869.99
Regency FX 310.6952 €0.00 Rs 2,174,866.35 −Rs 5,888.04
OFX 309.9787 €0.00 Rs 2,169,850.62 −Rs 10,903.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 311.3701 – Rs 2,179,590.86
TapTap Send Cheapest 311.3000 €0.00 Rs 2,179,100.00 −Rs 490.86
MoneyGram 311.2692 €0.00 Rs 2,178,884.40 −Rs 706.46
Regency FX 310.5294 €0.00 Rs 2,173,705.97 −Rs 5,884.89
OFX 309.8133 €0.00 Rs 2,168,692.91 −Rs 10,897.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 310.9362 – Rs 2,176,553.55
TapTap Send Cheapest 311.4000 €0.00 Rs 2,179,800.00 +Rs 3,246.45
Regency FX 310.0967 €0.00 Rs 2,170,676.86 −Rs 5,876.69
MoneyGram 310.0416 €0.00 Rs 2,170,291.20 −Rs 6,262.35
OFX 309.3815 €0.00 Rs 2,165,670.79 −Rs 10,882.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.8547 – Rs 2,168,982.75
TapTap Send Cheapest 311.4000 €0.00 Rs 2,179,800.00 +Rs 10,817.25
MoneyGram 310.2008 €0.00 Rs 2,171,405.60 +Rs 2,422.85
Regency FX 309.0181 €0.00 Rs 2,163,126.50 −Rs 5,856.25
OFX 308.3054 €0.00 Rs 2,158,137.84 −Rs 10,844.91
Exchange rateFeeRecipient getsDifference
Mid-market rate 310.9914 – Rs 2,176,940.01
TapTap Send Cheapest 311.4000 €0.00 Rs 2,179,800.00 +Rs 2,859.99
MoneyGram 310.2999 €0.00 Rs 2,172,099.30 −Rs 4,840.71
Regency FX 310.1518 €0.00 Rs 2,171,062.27 −Rs 5,877.74
OFX 309.4365 €0.00 Rs 2,166,055.31 −Rs 10,884.70
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.6749 – Rs 2,167,724.11
MoneyGram Cheapest 310.3175 €0.00 Rs 2,172,222.50 +Rs 4,498.39
Regency FX 308.8388 €0.00 Rs 2,161,871.26 −Rs 5,852.85
OFX 308.1265 €0.00 Rs 2,156,885.49 −Rs 10,838.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.7755 – Rs 2,168,428.49
TapTap Send Cheapest 310.0000 €0.00 Rs 2,170,000.00 +Rs 1,571.51
MoneyGram 309.6771 €0.00 Rs 2,167,739.70 −Rs 688.79
Regency FX 308.9391 €0.00 Rs 2,162,573.74 −Rs 5,854.75
OFX 308.2266 €0.00 Rs 2,157,586.35 −Rs 10,842.14
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.7755 – Rs 2,168,428.49
TapTap Send Cheapest 310.0000 €0.00 Rs 2,170,000.00 +Rs 1,571.51
MoneyGram 309.6771 €0.00 Rs 2,167,739.70 −Rs 688.79
Regency FX 308.9391 €0.00 Rs 2,162,573.74 −Rs 5,854.75
OFX 308.2266 €0.00 Rs 2,157,586.35 −Rs 10,842.14
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.5210 – Rs 2,166,647.26
TapTap Send Cheapest 310.0000 €0.00 Rs 2,170,000.00 +Rs 3,352.74
MoneyGram 309.6771 €0.00 Rs 2,167,739.70 +Rs 1,092.44
Regency FX 308.6853 €0.00 Rs 2,160,797.31 −Rs 5,849.95
OFX 307.9734 €0.00 Rs 2,155,814.02 −Rs 10,833.24
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.3112 – Rs 2,165,178.32
MoneyGram Cheapest 309.8851 €0.00 Rs 2,169,195.70 +Rs 4,017.38
Regency FX 308.4760 €0.00 Rs 2,159,332.33 −Rs 5,845.99
OFX 307.7646 €0.00 Rs 2,154,352.42 −Rs 10,825.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 308.4288 – Rs 2,159,001.63
TapTap Send Cheapest 309.0000 €0.00 Rs 2,163,000.00 +Rs 3,998.37
MoneyGram 308.1323 €0.00 Rs 2,156,926.10 −Rs 2,075.53
Regency FX 307.5960 €0.00 Rs 2,153,172.32 −Rs 5,829.31
OFX 306.8867 €0.00 Rs 2,148,206.62 −Rs 10,795.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 307.7382 – Rs 2,154,167.65
MoneyGram Cheapest 307.5751 €0.00 Rs 2,153,025.70 −Rs 1,141.94
Regency FX 306.9073 €0.00 Rs 2,148,351.39 −Rs 5,816.25
OFX 306.1995 €0.00 Rs 2,143,396.81 −Rs 10,770.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.7303 – Rs 2,168,112.24
Regency FX Cheapest 308.8940 €0.00 Rs 2,162,258.34 −Rs 5,853.90
OFX 308.1817 €0.00 Rs 2,157,271.68 −Rs 10,840.56
MoneyGram 307.7555 €0.00 Rs 2,154,288.50 −Rs 13,823.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.6181 – Rs 2,167,326.79
MoneyGram Cheapest 309.5696 €0.00 Rs 2,166,987.20 −Rs 339.59
Regency FX 308.7821 €0.00 Rs 2,161,475.01 −Rs 5,851.78
OFX 308.0700 €0.00 Rs 2,156,490.16 −Rs 10,836.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.6181 – Rs 2,167,326.79
MoneyGram Cheapest 309.5696 €0.00 Rs 2,166,987.20 −Rs 339.59
Regency FX 308.7821 €0.00 Rs 2,161,475.01 −Rs 5,851.78
OFX 308.0700 €0.00 Rs 2,156,490.16 −Rs 10,836.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 310.8604 – Rs 2,176,022.48
Regency FX Cheapest 310.0210 €0.00 Rs 2,170,147.22 −Rs 5,875.26
MoneyGram 309.5696 €0.00 Rs 2,166,987.20 −Rs 9,035.28
OFX 309.3061 €0.00 Rs 2,165,142.37 −Rs 10,880.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.4549 – Rs 2,166,184.14
MoneyGram Cheapest 309.7292 €0.00 Rs 2,168,104.40 +Rs 1,920.26
Regency FX 308.6193 €0.00 Rs 2,160,335.44 −Rs 5,848.70
OFX 307.9076 €0.00 Rs 2,155,353.22 −Rs 10,830.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.4123 – Rs 2,165,886.13
MoneyGram Cheapest 309.1395 €0.00 Rs 2,163,976.50 −Rs 1,909.63
Regency FX 308.5769 €0.00 Rs 2,160,038.24 −Rs 5,847.89
OFX 307.8652 €0.00 Rs 2,155,056.70 −Rs 10,829.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 310.9891 – Rs 2,176,924.00
MoneyGram Cheapest 310.9531 €0.00 Rs 2,176,671.70 −Rs 252.30
Regency FX 310.1495 €0.00 Rs 2,171,046.31 −Rs 5,877.69
OFX 309.4342 €0.00 Rs 2,166,039.38 −Rs 10,884.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.5324 – Rs 2,166,726.50
MoneyGram Cheapest 310.3622 €0.00 Rs 2,172,535.40 +Rs 5,808.90
Regency FX 308.6966 €0.00 Rs 2,160,876.34 −Rs 5,850.16
OFX 307.9847 €0.00 Rs 2,155,892.87 −Rs 10,833.63
Exchange rateFeeRecipient getsDifference
Mid-market rate 308.4565 – Rs 2,159,195.37
MoneyGram Cheapest 308.7765 €0.00 Rs 2,161,435.50 +Rs 2,240.13
Regency FX 307.6236 €0.00 Rs 2,153,365.55 −Rs 5,829.82
OFX 306.9142 €0.00 Rs 2,148,399.40 −Rs 10,795.97
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.0160 – Rs 2,163,112.30
MoneyGram Cheapest 308.7765 €0.00 Rs 2,161,435.50 −Rs 1,676.80
Regency FX 308.1817 €0.00 Rs 2,157,271.90 −Rs 5,840.40
OFX 307.4710 €0.00 Rs 2,152,296.74 −Rs 10,815.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 309.8874 – Rs 2,169,211.80
Regency FX Cheapest 309.0507 €0.00 Rs 2,163,354.93 −Rs 5,856.87
MoneyGram 308.7765 €0.00 Rs 2,161,435.50 −Rs 7,776.30
OFX 308.3380 €0.00 Rs 2,158,365.74 −Rs 10,846.06
Exchange rateFeeRecipient getsDifference
Mid-market rate 310.9062 – Rs 2,176,343.39
Regency FX Cheapest 310.0668 €0.00 Rs 2,170,467.26 −Rs 5,876.13
OFX 309.3517 €0.00 Rs 2,165,461.67 −Rs 10,881.72
MoneyGram 309.3292 €0.00 Rs 2,165,304.40 −Rs 11,038.99

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more PKR per EUR than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 15 of the last 30 days.

Right now, Regency FX pays 2,170,467.26 PKR on 7,000 EUR, which is 5,876.13 PKR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 2,179,800 PKR.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Pakistan.

We've tracked 179 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

  1. Regency FXAppeared in 58 comparisons

    Cheapest in 19% of them

  2. OFXAppeared in 176 comparisons

    Never the cheapest

  3. MoneyGramAppeared in 172 comparisons

    Cheapest in 34% of them

Based on 179 comparisons across 6 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

OFX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Pakistan.

Ways to send money from Spain to Pakistan

8 companies send money from Spain to Pakistan, across app, currency broker, online, multi-currency account, global business account, and in person, and more.

Monthly remesas abroad

Money transfer apps

Sending monthly remesa is extremely popular in Spain.

Money transfer apps let you save contacts, schedule transfers, and lock-in rates.

Useful if you’re sending €100 to €300 monthly to Pakistan.

MoneyGram charges €0 on a €7,000 transfer and pays out 2,165,304.40 PKR in minutes - 24 hours, often straight into a mobile wallet, so the person receiving doesn't need a bank account.

Over the past month, MoneyGram was the cheapest app on 52% of the days it appeared for €7,000 transfers.

You can pay for the transfers via bank transfer, debit card, credit card, and iDEAL, but Bizum is usually not accepted as a funding method.

For cash pickup and deposit

In-person transfers

The locutorio on the corner has been sending money home for decades, and for families who need to collect cash the same day, this is the best way.

Pay MoneyGram the €7,000 by card or transferencia, and they can collect cash in Pakistan.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

Cash transfers are faster than online methods, but usually more expensive, so .

For one-off transfers

Online transfers

For medium sized or one-off transfers to Pakistan, an online money transfer service funded from your bank account is better than any bank.

MoneyGram turns €7,000 into 2,165,304.40 PKR with a €0 fee and 0.51% markup.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 days it quoted.

Sending large amounts

Currency brokers

Currency brokers are best for sending €10,000+ to Pakistan. This can be things like selling property, moving a pension, moving back home, etc…

Regency FX charges no fee and works on a margin, with a person on the phone, and offices in Spain if you'd rather sit down with someone.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from €5,000 it quoted.

For getting paid and spending abroad

Multi-currency accounts

If you often receive PKR (things like pensions, payments, salary, dividends, etc…), this is the best way to do it.

Because a multi-currency account gives you account details to receive PKR like a local and you can exchange it to EUR at any time.

The best multi-currency account in Spain with PKR support is offered by Wise.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

For example, converting €7,000 gets you 2,160,684.95 PKR.

For businesses and autónomos paying abroad

Global accounts

Companies like Wise Business, Payoneer, or Airwallex are best suited for businesses in Spain making payments to Pakistan.

You can pay suppliers and freelancers, process invoices, make batch payments, and much more.

Ways to fund EUR and receive PKR in Pakistan

How you fund the transfer and how your recipient receives it affect the fees and how much PKR they get.

With Regency FX, paying by bank transfer and receiving through a bank deposit is the cheapest combination. Sending €7,000 gives your recipient 2,170,467.26 PKR.

For funding your transfer from Spain, you can use bank transfer, debit card, credit card, and iDEAL.

Bizum only supports domestic transfers in Spain, so it cannot send money to Pakistan directly.

Pay from your Spanish bank account

Deposit your funds with a SEPA Instant (essentially your bank transfer) using your ES IBAN.

It is fast to fund the transfer, although delivery to Pakistan depends on the company's payout time and delivery method.

In Pakistan, the recipient can use bank deposit, cash pickup, mobile wallet, mobile money, and card deposit to receive money.

Collect cash in Pakistan

Your recipient can collect PKR from a participating MoneyGram location in Pakistan.

  1. 1
    Bank transfer Bank deposit

    You pay €7,000.00

    Rs2,170,467

    Cheapest

  2. 2
    Bank transfer Mobile wallet

    You pay €7,000.00

    Rs2,165,304

    -Rs5,163

  3. 3
    Debit card Mobile wallet

    You pay €7,000.00

    Rs2,165,304

    -Rs5,163

  4. 4
    Credit card Mobile wallet

    You pay €7,000.00

    Rs2,165,304

    -Rs5,163

  5. 5
    Debit card Bank deposit

    You pay €7,000.00

    Rs2,163,137

    -Rs7,330

Show moreShow less
  1. 6
    Credit card Bank deposit

    You pay €7,000.00

    Rs2,163,137

    -Rs7,330

  2. 7
    iDEAL Bank deposit

    You pay €7,000.00

    Rs2,157,551

    -Rs12,916

  3. 8
    Debit card Cash pickup

    You pay €7,000.00

    Rs2,154,819

    -Rs15,648

  4. 9
    Debit card Mobile money

    You pay €7,000.00

    Rs2,154,819

    -Rs15,648

  5. 10
    Debit card Card deposit

    You pay €7,001.99

    Rs2,154,467

    -Rs16,000

  6. 11
    Credit card Card deposit

    You pay €7,001.99

    Rs2,154,467

    -Rs16,000

  7. 12
    Bank transfer Cash pickup

    You pay €7,002.99

    Rs2,146,400

    -Rs24,067

  8. 13
    Credit card Cash pickup

    You pay €7,002.99

    Rs2,146,400

    -Rs24,067

What to consider when sending money from Spain

Here are a few things to know before sending money from Spain to Pakistan.

Find the best EUR/PKR transfer

These are the current best options for sending €7,000 to Pakistan:

Cheapest option

Use Regency FX, pay by bank transfer and choose bank deposit for the payout. Your recipient gets 2,170,467.26 PKR, which is 0.23% more than the next best option.

Fastest option

With Revolut, a bank transfer payment to bank deposit gives your recipient 2,147,727.32 PKR, and its delivery time is within minutes.

SEPA & PKR are different

SEPA and SEPA Instant only work with euro payments, and Bizum largely operates in Spain.

Sending EUR to Pakistan is different because it needs a currency conversion.

SEPA or SEPA Instant can be used to fund the transfer itself (since both are in EUR), but it does not guarantee instant transfer to Pakistan.

Expect questions on a large payment

Your bank or transfer company can ask for a justificante showing the source and purpose of a large or unusual transfer.

Keep the sale agreement for property, an invoice for tuition or a bank statement for savings.

Ask your bank to raise its own online transfer limit before the payment is due, rather than splitting a payment to avoid a check.

Staying safe when sending money

A payment or electronic-money institution is not the same as a bank, so do not assume its stored balance has bank deposit protection.

For bank deposits, protection normally comes from the deposit guarantee scheme in the bank's home country.

For a transfer service, check how customer money is safeguarded and avoid leaving a large balance there longer than needed.

When in doubt, use the Banco de Espana register to check the legal entity behind a transfer service.

How we analyse the market

Every company here is authorised to operate in Spain, and you can check any of them on the Banco de España register yourself. We track 8 of them on EUR to PKR, comparing fees, rates and the ways money can be paid in and collected. In the past 30 days alone, we analysed 179 comparisons across 6 amounts.

This page covers the cheapest and fastest options for EUR/PKR transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Pricing mostly comes straight from the companies, and anything we collect by hand is marked in the table.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.