How to send money to Pakistan

Find the most cost-effective and convenient way to make an international money transfer when you send money to Pakistan from the United States.

When you need to get money to a loved one overseas, the last thing you want to have to deal with is navigating a potentially complicated and expensive process. Sending money from the United States to Pakistan doesn’t have to be expensive. Compare the transfer fees and exchange rates of the many options available to you to get the most Pakistani rupees for your dollar.From bank transfers and online transactions to options that allow recipients to collect your funds within minutes, sending an international money transfer to Pakistan is easy. However, do your research and shop around for the best available deal.
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    Save money on your personal or business international money transfer today. Fill in the form and you’ll be contacted by a foreign exchange expert to have an obligation-free discussion about your options.

    With over 17 years of foreign exchange expertise and over $100 billion transferred, OFX can help with all your currency exchange needs, including:

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    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Services Amount Received Description CTA Details
    1 day USD 0.00 104.68 Online, Phone, Bank Account to Bank Account PKR 523,398 Exclusive exchange rate discounts
    No-maximum limit transfers with competitive exchange rates for 100+ currencies.
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    Banks versus money transfer companies/services

    If you need to send money to Pakistan, you may approach your bank to initiate the transfer. However, if you use a major bank to complete the global money transfer, you most likely won’t receive a competitive exchange rate on your transaction, and you’ll have to pay sizable fees.

    For a more cost-effective option, why not check out the services provided by a specialist money transfer company? These providers, such as Xoom and PakRemit, provide online transfers from the U.S. to Pakistan with better exchange rates than banks, and lower transfer fees.

    Yousuf sends money to Pakistan

    Yousuf works in the United States and he wants to send $1,000 to his wife back in Pakistan. Although he knows his bank can take care of the transfer, Yousuf is put off by the bank’s low exchange rate and high fees. In an effort to save money, he compares the services of two online money transfer companies.

    Transfer company 1Transfer company 2
    Exchange rate$1 USD = $99.40 PKR$1 USD = $100.08 PKR
    Transfer fee$20$5
    Transfer methodBank account depositBank account deposit
    Processing timeWithin minutes2-4 business days
    PKR Received$99,400 PKR$100,080 PKR

    As the table shows, not only can Yousuf save $15 in transfer fees by using the second money transfer provider, but will also see his family receive 680 extra rupees.

    How to compare transfer companies when sending money to Pakistan

    • Exchange rates. The exchange rate impacts how much money arrives in your recipient’s account, so see how each provider’s rates stack up against the competition. However, don’t forget that providers with better exchange rates may also charge higher fees.
    • Transfer fees. Transferring money overseas will usually incur a transaction fee, and these can range from $3 to $25 or more. Once again, remember to examine fees alongside the exchange rates offered by a provider.
    • Transfer methods. While some providers only allow you to make transfers online, others will allow you to send funds over the phone or by visiting a branch.
    • Transfer options. Can you lock in an ideal exchange rate now and transfer the money later, known as a forward contract? Does the institution offer limit orders, which allows you to take advantage of changing market conditions by executing the money transfer when a certain exchange rate is met? Can you schedule recurring payments?
    • Turnaround time. If you need to send an urgent transfer, some providers allow you to send funds that become available for collection within minutes.
    • Minimum amount. Some money transfer providers will impose a minimum limit on the amount you can send; for example, $500. This can be quite restrictive if you only want to transfer a relatively small amount of money.
    • Customer service. If you need assistance with a transaction, can you take advantage of phone, email and/or live chat customer support? Is this available 24/7 or only during specific hours?
    Foreign exchange rates explained
    The exchange rate determines how much one country’s currency is worth in another currency. When a country’s currency is strong, it will yield more money when exchanging it in a country with a weak currency. For example, in December 2016, the U.S dollar was worth approximately 19 Mexican pesos. However, most countries’ exchange rates are flexible, which means it can change from moment to moment. Factors that influence the exchange rate include interest rates, economic stability and inflation.
    Compare live USD > PKR exchange rates

    Options for sending money to Pakistan from America

    • Bank to bank transfers. Speak to your financial institution about how you can send money from your U.S. bank account to your recipient’s Pakistani bank account.
    • Online money transfer companies. Services like PakRemit, Ria and Xoom all allow you to send money to Pakistan online.
    • Money transfer companies with a cash pickup option. MoneyGram and Western Union are two companies that allow you to send funds online or from an agent location in the U.S., and the cash can be collected from an agent in Pakistan.
    • Checks. This money transfer method is not as efficient as other transfer methods, but it still enables you to send funds overseas.

    Emergency cash transfers in Pakistan

    Situations may arise where you need to send cash to Pakistan in a hurry so that your recipient can access it as soon as possible. When sending an emergency transfer, however, you should always be careful to take the time to review your transfer before sending it. Make sure you’re aware of the exchange rate that will apply and any fees associated with your transaction.

    Find a money transfer location near you

    How to send money to Pakistan

    Whichever transfer method you choose, in many cases you will be required to sign up for an account with a provider.

    To do this, you’ll typically need to provide the following:

    • Your name and address
    • Your contact details
    • Proof of ID

    Once you’ve supplied your recipient’s details and chosen a payment method, make your transaction and keep a copy of any receipt or transaction number you receive. This can then be used to check up on the status of your transfer.

    Tips for picking up cash in Pakistan

    U.S. travelers in Pakistan should exercise caution at all times, including when they pick up money from an agent location. Take care not to display your cash unnecessarily as you do not want to attract attention from strangers.

    Avoid traveling through any questionable areas of town and deposit the cash you pick up in your bank account as soon as possible.

    Cash pickup locations in Pakistan

    Worldremit

    ALLIED BANK
    Address: Hospital Rd, Islamabad, Pakistan
    Hours: 9:00 AM – 5:00 PM
    Phone: +92 51 9507890

    BANK AL HABIB LIMITED G9 MARKAZ BRANCH
    Address: Rohtas Rd, Islamabad, Pakistan
    Hours: 9:00 AM – 5:00 PM
    Phone: +92 311 9090612

    THE BANK OF KHYBER
    Address: Zahoor Plaza, Jinnah Ave, Block A, Blue Area, Islamabad, ICT, Pakistan
    Hours: 9:00 AM – 5:00 PM
    Phone: +92 51 2824691

    Moneygram

    TELENOR SALES AND SERVICE CENTER – ISLAMABAD
    Address: Khyber Plaza Blue Area Jinnah Avenue 94 W Islamabad
    Hours: 7:00 AM – 9:00 PM
    Phone: +92-51-58550480

    BANK AL HABIB LIMITED – ISLAMABAD – MUREE
    Address: Mozah Kot Hathial Main Muree Road Bara Kahu Islamabad
    Hours: 8:00 AM – 6:00 PM
    Phone: +92-51-2233604

    PBS EXCHANGE PRIVATE LIMITED – #5506
    Address: International Arrival Area Benazir Bhutto International Airp Islambad
    Hours: 12:00 AM – 11:59 PM
    Phone: +92-51-515405045

    Western Union

    F 10 MARKAZ ISLAMABAD BRANCH
    Address: Shop No#g-8/a Ground Floor, Souk-ul-hashir Plaza Plot No 1 Islamabad, Punjab 44000
    Hours: 8:30 AM – 11:00 PM
    Phone: +92-51-2809768

    GHOURI TOWN BOOTH
    Address: Raja Ali Akber & Al-rehman Pla Road Ghouri Town, Islamabad Islamabad, Punjab
    Hours: 8:00 AM – 7:00 PM
    Phone: +92-51-2303491

    METRO CASHANDCARRY PVT ISLA
    Address: M S Metro Cash And Carry Pvt I Ii Islamabad Pakistan, Punjab 44000
    Hours: 8:30 AM – 8:00 PM
    Phone: +92-51-2502065

    Worldremit

    ALLIED BANK BRANCH 0734
    Address: F15, Metroville, Karachi, Pakistan
    Hours: 9:00 AM – 5:00 PM
    Phone: +92 21 36650321

    BANK AL HABIB LTD
    Address: 9th Zamzama Commercial Ln, Karachi, Pakistan
    Hours: 9:00 AM – 5:00 PM
    Phone: +92 21 111014014

    THE BANK OF KHYBER
    Address: Alamgir Rd, Karachi, Pakistan
    Hours: 9:00 AM – 5:00 PM
    Phone: +92 21 34946751

    Moneygram

    BANK AL HABIB – #1190 – KARACHI – KHAWAJ
    Address: Plot No B 7 Khwaja Ajmair Nagri Sector 6 B 11 A Karachi
    Hours: 8:00 AM – 6:00 PM
    Phone: +92 21 36920044

    PARACHA TIME ENTERPRISES – KARACHI
    Address: Office 2 Mezzanine Floor Al-Amin Tower Block Karachi
    Hours: 9:00 AM – 6:00 PM
    Phone: +92 21 334992303

    MCB BANK LIMITED – #1698 – KARACHI
    Address: Plot 8 Shopping Centre Karachi
    Hours: 8:00 AM – 1:45 PM
    Phone: +92 21 34715142

    Western Union

    ABDULLAH HAROON ROAD BRANCH
    Address: Shop#8, Office No 106 & 107 Hashi Electronic Center, Karac Karachi, Sindh 74400
    Hours: 8:00 AM – 7:00 PM
    Phone: +92-21-32766305

    AL WASI ENTERPRISES
    Address: Shop 2 Shumail Tarrace Main Ro Garden East Quarters Oppsite S Karachi, Sindh 74400
    Hours: 8:30 AM – 8:00 PM
    Phone: 92-21-2237909

    AQIL ENTERPRISES
    Address: 69 70 New Ruby Center Talpur Road Near G P O Boultan Market Karachi
    Hours: 8:30 AM – 8:00 PM
    Phone: +92-21-2402131

    Worldremit

    ALLIED BANK
    Address: Patang Chowk, Peshawar Ring Rd, Peshawar 25000, Pakistan
    Hours: 9:00AM – 5:00 PM
    Phone: +92 91 2244471

    BANK AL HABIB
    Address: FC Trust Building, Saddar, Peshawar, Khyber Pakhtoonkhwa, Pakistan
    Hours: 9:00 AM – 5:00 PM
    Phone: +92 91 111786110

    BANK ALFALAH
    Address: 6-B, Saddar Road, Peshawar Cantt. Islamia Rd, Peshawar, Pakistan
    Hours: 9:00 AM – 5:00 PM
    Phone: +92 91 5287058

    Moneygram

    SKY EXCHANGE COMPANY PVT LIMITED – PESHAWAR
    Address: Branch 25 Office UG 56 Ground Floor Deen Trade Centre Peshawar
    Hours: 8:00 AM – 9:00 PM
    Phone: +92 91 5287058

    BANK AL FALAH LIMITED – PESHAWAR
    Address: Al Aziz Tower Haji Comp G T Road Peshawar
    Hours: 8:00 AM – 6:00 PM
    Phone: +92 91 5250265

    WALL STREET EXCHANGE COMPANY (PVT.) LTD.
    Address: Shop No UG Deen’s Trade Center Saddar 60 Peshawar, 25000
    Hours: 8:30 AM – 7:00 PM
    Phone: +92 91 5253184

    Western Union

    PAKISTAN CURRENCY EXCH CO PVT
    Address: Shop 1086 1087 Ground Floor Saddar Road Peshawar, Nwfp
    Hours: 8:30 AM – 8:00 PM
    Phone: +92 91 5270442

    PESHAWAR CITY BRANCH
    Address: Peshawar City Branch Peshawar, Khyber Pakhtunkhuwa
    Hours: 9:00 AM – 5:00 PM
    Phone: +92 91 2593901

    WESTERN UNION CALL CENTRE
    Address: Khyber Pakhtunkhwa Circle Pesh Peshawar, Nwfp 25000
    Hours: Open 24 Hours
    Phone: +92 91 9212248

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