Usually the cheapest
Online transfers
Companies like Xe will get you 2,225,501.6 PKR on €7,000 transfer.
If it's the only time you send money to Pakistan, then it's the best option.
For recurring transfers, an app is a bit more convenient.
How to send money to Pakistan from Finland with the best EUR-PKR rate
We’ve compared and analysed 5 money transfer companies in Finland.
| 5 of 5 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 = 315.2850 PKR +0.10% vs mid-market | Recipient gets Rs 2,191,268.58 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 = 315.2850 PKR Rs 2,191,268.58You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 317.9288 PKR -0.74% 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 Finland 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 -0.74% 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 -0.74% 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 -0.74% 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 | |||
 TapTap Send Pay via Debit card | Fee €0.00 1 EUR = 317.1000 PKR -0.48% vs mid-market | Recipient gets Rs 2,219,700.00 Minutes | |
Ways to receive money in Pakistan with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 EUR = 317.1000 PKR Rs 2,219,700.00You pay€7,000.00 Cash pickupMinutesAvailable via:Bank Al-Habib Cash Pickup, Faysal Bank Cash Pickup, UBL Cash Pickup Free1 EUR = 317.1000 PKR Rs 2,219,700.00You pay€7,000.00 Mobile moneyMinutesAvailable via:Easypaisa, JazzCash Free1 EUR = 317.1000 PKR Rs 2,219,700.00You pay€7,000.00 Mobile walletMinutesAvailable via:SadaPay Free1 EUR = 317.1000 PKR Rs 2,219,700.00You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 314.7356 PKR +0.27% vs mid-market | Recipient gets Rs 2,203,148.99 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 = 314.7356 PKR Rs 2,203,148.99You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 314.0097 PKR +0.50% vs mid-market | Recipient gets Rs 2,198,068.03 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 = 314.0097 PKR Rs 2,198,068.03You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €49.88 1 EUR = 315.2850 PKR +0.10% vs mid-market | Recipient gets Rs 2,191,268.58 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 = 315.2850 PKR Rs 2,191,268.58You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €59.96 1 EUR = 315.2850 PKR +0.10% vs mid-market | Recipient gets Rs 2,188,090.51 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 = 315.2850 PKR Rs 2,188,090.51You pay€7,000.00 | |||
| Wise Pay via Debit card | Fee €104.65 1 EUR = 315.2850 PKR +0.10% vs mid-market | Recipient gets Rs 2,174,000.42 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 = 315.2850 PKR Rs 2,174,000.42You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €146.52 1 EUR = 315.2850 PKR +0.10% vs mid-market | Recipient gets Rs 2,160,799.44 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 = 315.2850 PKR Rs 2,160,799.44You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 315.5877 PKR Updates every 60 minutes. | |||
Transfer details
How to send money from Finland to Pakistan
Pick a company
For a one-off transfer to Pakistan, start with Xe.
On a 7,000 EUR transfer, Xe delivers the most PKR.
The cheapest option depends on the amount, so I suggest to get the best EUR/PKR rate.
Fund your transfer
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
Select how you want the recipient to pick up the money. For transfers to Pakistan they can receive it via bank deposit, cash pickup, mobile money, and mobile wallet.
Verify and send
If it's your first time using the service, you will need to verify your account.
This usually takes a a few minutes to a few hours.
If your transfer is urgent, make sure to get it done beforehand to avoid any delays.
Ways to send money from Finland to Pakistan
5 companies send money from Finland to Pakistan, mostly through app, broker, online, multi-currency account, and global account, and a few more ways.
For regular transfers
Money transfer apps
For the regular smaller transfer, apps are convenient and cheap.
Xe charges €0 on a €7,000 transfer, and 2,225,501.6 PKR arrives in minutes - 24 hours.
In Pakistan they can receive money via bank deposit, cash pickup, mobile money, and mobile wallet.
Moving money between your own accounts
Multi-currency accounts
Companies like Wise let you hold EUR and PKR balances in one account.
You can convert between them any time, and it's cheap.
For example, converting 7,000 EUR to PKR with Wise gets you 2,191,268.58 PKR (€49.88 in fees and 0.1% markup).
This is especially useful travel since you are spending in PKR (no extra fees from Wise, only local ATMs).
For freelancers and SMEs
Global accounts
Global accounts are for companies and freelancers making payments to Pakistan.
Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.
For sending large sums
Currency brokers
Currency brokers are good for sending €10,000+ to Pakistan. They charge no fees and add a markup on the rate.
Xe charges no fee but adds -0.74% markup on top of the EUR/PKR rate.
Ways to fund EUR and receive PKR in Pakistan
With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 2,225,501.6 PKR.
To pay for your transfer in Finland, you have bank transfer, debit card, credit card, and ideal.
MobilePay and Siirto are useful for payments within Finland, but they do not send money to Pakistan directly.
For withdrawals in Pakistan, use bank deposit, cash pickup, mobile money, and mobile wallet.
Receive PKR
The name should match the account holder's bank record, so double check it before sending.
Your recipient can also collect PKR from a nearby agent in Pakistan.
- 1 Debit card Bank deposit
You pay €7,000.00
₨2,225,502
Cheapest
- 2 Bank transfer Bank deposit
You pay €7,000.00
₨2,225,502
₨0
- 3 Credit card Bank deposit
You pay €7,000.00
₨2,225,502
₨0
- 4 Debit card Cash pickup
You pay €7,000.00
₨2,219,700
-₨5,802
- 5 Debit card Mobile money
You pay €7,000.00
₨2,219,700
-₨5,802
Show moreShow less
- 6 Debit card Mobile wallet
You pay €7,000.00
₨2,219,700
-₨5,802
- 7 Ideal Bank deposit
You pay €7,000.00
₨2,188,091
-₨37,411
What to consider before sending money from Finland to Pakistan
For a transfer from Finland, compare the PKR received and check whether the payment is a taxable gift rather than ordinary family support.
Compare EUR/PKR transfer options
Compare EUR/PKR transfer options
For a €7,000 transfer to Pakistan, these are the current cheapest, fastest and easiest options.
Cheapest
Xe is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 2,225,501.6 PKR, which is 0.26% more than the next best option.
Fastest
TapTap Send delivers 2,219,700 PKR in minutes when you pay by debit card and choose bank deposit.
Sending a gift from Finland can trigger gift tax
Sending a gift from Finland can trigger gift tax
If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.
The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.
Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.
Cash sent to the recipient is treated as a normal gift because they can spend it on anything.
Large transfers may take longer
Large transfers may take longer
Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.
Keep the invoice, sale document or account statement ready.
SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in Pakistan.
Safety measures in Finland
Safety measures in Finland
An EEA company may be authorised in another country and operate in Finland through passporting.
If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.
Never move money to a so-called safe account or approve an unexpected bank-identification request.
When in doubt, check the company in the FIN-FSA supervised-entities register.
Finding the best rate to send money from Finland to Pakistan
The exchange rate has a direct impact on how much PKR your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.
Mid-market rate:1 EUR = 314.963138 PKR
How we analyse the market
Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.
We track 5 of them on EUR to Pakistan, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.
Nothing appears without passing our review.
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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