Best & Cheapest Ways to Send Money to Pakistan

There’s no such thing as a money transfer app that’s best for all. Some apps are highly competitive for certain countries but fall behind in others. That’s why we tested 15+ apps specifically for transfers from Canada to Pakistan. To keep things fair, we conducted the test on the same afternoon and used standard rates rather than one-time promo offers.

What are the cheapest apps to send money to Pakistan?

Here are the results for a $200 transfer to Pakistan. Keep in mind that rates fluctuate and providers will not always provide the best rates, so we recommend downloading 3 to 4 of your favourite apps to compare rates before you send.

Data based on a test conducted in July 2026. Actual rates and fees fluctuate and are not guaranteed.

The verdict

The cheapest apps to send money to Pakistan from Canada are Western Union, Taptap Send and Sendwave, based on this test.

Which apps are best overall for sending money to Pakistan?

We didn’t focus only on cost in our quest to find the best money transfer apps in Canada. We looked at a wide variety of features, such as transfer limits, user experience, delivery methods, payment methods, customer support and time in business.

After weighing the various features, here are the best apps for sending money to Pakistan.

Which apps do not send transfers to Pakistan?

Based on our test, these apps don’t offer money transfer services from Canada to Pakistan at the time of writing, so it’s best to avoid them:

• OFX
• Pesa
• Wealthsimple
• Panda Remit
• Instarem
• CurrencyFair
• Africhange

Tips to send the cheapest transfers to Pakistan

Picking a money transfer app that provides the best exchange rate is your top priority, but here are other things you can do:

• Deliver via bank transfer. Other methods, such as cash pickup, incur additional fees or worse exchange rates.
• Pay with the cheapest payment method. Paying by debit card or e-Transfer, for example, is cheaper than paying by credit card.
• Set alerts. Instead of constantly tracking the markets, you can use apps like Wise, Xe and Western Union to trigger instant alerts the moment exchange rates shift in your favour.

What payment methods are available?

Here are the ways you can pay for your money transfer:

• Debit card
• Credit card
• e-Transfer
• Bank account
• Google/Apple Pay
• Cash in-store

What delivery methods are available?

Your recipient can receive the money in the following ways:

• Cash pickup
• Bank account
• Mobile wallet
• Debit/credit card

Exchange rates vs. transfer fees

When you’re hunting down the cheapest ways to send money to Pakistan, it’s more important to look at the overall cost of your transfer. This has a couple of elements:

• Transfer fees. While still cheaper than your Canadian bank, some money transfer services charge either a fixed or percentage-based fee for making your transfer.
• Exchange rates. Another way money transfer providers make money is to add a margin to the mid-market CAD/PKR exchange rate.

Some providers may charge the mid-market rate but add fees on top. Others may have very low fees but apply a markup on the exchange rate. This means it is important to compare exactly how many Pakistani rupees your recipient will end up with.

How do I send money to Pakistan fast?

Have an emergency? You can send money to Pakistan quickly using money transfer apps that prioritize instant delivery. Examples:

• Remitly
• Western Union
• Wise

Paying by bank account is typically the slowest option (3 to 5 business days), so avoid paying with this method if you want to send money ASAP.

CAD to PKR: What’s the exchange rate?

What’s a safe way to send money to Pakistan?

To safely send money to Pakistan, use a provider that’s registered as a Money Services Business with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). The companies we’ve mentioned in this article are overseen by a local regulator and comply with the relevant laws and regulations in both Canada and Pakistan.

A great way to dive deeper is by reading our extended reviews of each transfer service and researching first-hand customer feedback on Trustpilot and similar platforms.

How to send money to Pakistan from Canada

To send money to Pakistan, you’ll need the necessary documentation, your recipient’s details and a way to pay.

1. Create an account.
   You’ll need to give your name, address, contact details, proof of ID and method of payment.
2. Provide your recipient’s details.
   Enter your recipient’s name and contact information. If you’re sending straight to their Pakistani bank account, you’ll need the account number, SWIFT or IBAN plus their bank branch’s address.
3. Enter your transfer amount.
   Make sure you’re happy with the fees, exchange rates and transfer speed, then enter the amount you wish to send. Double-check the total Pakistani rupees your recipient gets.
4. Complete your transfer.
   Send your money transfer to Pakistan. Keep your transaction reference number safe so you can track your transfer. Your recipient may need it, too.

What details do I need to send money to Pakistan?

• Photo identification: Most providers require a driver’s licence, passport or other Canadian government-issued ID.
• A way to pay: Your options depend on the provider’s services. Popular methods include cash, debit or credit card and bank account transfers.
• Recipient information: You’ll need their name (matching their ID) plus contact details. If sending to a Pakistani bank account, you’ll need their account number, SWIFT and branch details.

What is required to receive money in Pakistan?

• Transfer number: The reference number – sometimes called a PIN, MTCN or tracking number.
• Government-issued ID: An official ID, such as a Pakistani passport or driver’s licence.
• The transfer amount: To know how much has been sent, usually to within 10% of the total.
• Sender information: The sender’s name and address and the transfer’s country of origin.

Example: Muhammad transfers money to Pakistan

Muhammad is working in Canada as a doctor and he stays in regular contact with his elderly parents back home in Pakistan. His parents need some funds to help pay off a mortgage, so Muhammad plans to send them $2,000 from Canada.

He decides to compare a bank and a money transfer specialist to see which one can save the most money on his transaction.

The money transfer company enables Muhammad to send an extra ₨6,748.94, which is transferred straight to his parents’ Habib Bank Limited account.

Compare money transfer apps to send money to Pakistan

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10 of 10 results

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Filter Values	Fastest Transfer Speed	Fees (Pay by Bank Transfer)
OFX Exclusive		24 hours	From $0	Finder exclusive: Discounted exchange rates for your first and ongoing transactions. $0 transfer fee. T&Cs apply.	Exclusive offer: Discounted exchange rates for your first and ongoing transactions. $0 transfer fee. OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.	Go to site View details Compare product selection Compare	loading
RemitBee		Within minutes	From $0	View details Compare product selection Compare	loading
Remitly		Within minutes	From $0	Special offers like free transfers and better exchange rates available for new customers. Remitly has quick, affordable transfers around the world, with both express and economy options.	Go to site View details Compare product selection Compare	loading
Xe Money Transfers		Within minutes	$0	Xe has fast transfers with low fees and a range of foreign currency tools.	Go to site View details Compare product selection Compare	loading
Wise (TransferWise) Finder Award		Within minutes	From 0.48%	Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.	Go to site View details Compare product selection Compare	loading
Xe Money Transfers		Within minutes	$0	Xe has fast transfers with low fees and a range of foreign currency tools.	Go to site View details Compare product selection Compare	loading
MoneyGram		Within minutes	From $0	Go to site View details Compare product selection Compare	loading
Instarem		Within minutes	From $0	Enjoy a special exchange rate and zero fees on your first transfer between $50 and $2,500 CAD. Valid until September 30, 2026. T&Cs apply.	Instarem offers zero transfer fees on all transfers.	Go to site View details Compare product selection Compare	loading
Loop		Within an hour	$0	Loop has 1 day transfers and low FX rates.	Go to site View details Compare product selection Compare	loading
WorldRemit		Within minutes	From $0	View details Compare product selection Compare	loading

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Frequently asked questions

• How long will it take for my money to arrive in Pakistan?

  The turnaround time for a money transfer to Pakistan depends on the provider and how you pay for the transfer. Expect your transfer to arrive within minutes if you pay using cash or with a debit or credit card. Paying by bank transfer can take longer – usually 3 to 5 days.

• Can I send money to Pakistan without a bank account?

  Yes, you can still send a money transfer if neither you nor your recipient in Pakistan has a bank account. Look at cash transfer providers such as Western Union, where you can pay with cash, and your recipient can collect it as cash or as a mobile phone reload on the other end.

Written by

Leanne Escobal

Senior Publisher

Leanne Escobal is a senior publisher at Finder with more than 13 years of experience in financial products and services, with a focus on content strategy and marketing. She has completed the Canadian Securities Course (CSC®) as well as the Personal Lending and Mortgages course through the Canadian Securities Institute. Leanne holds a Bachelor of Arts (Honours) in English literature and creative writing from Western University. See full bio

Leanne's expertise

Leanne has written 200 Finder guides across topics including:

• Personal Loans
• Car Loans
• Business Loans
• Short-Term Loans
• International Money Transfers
• Make Money Online