Best way to send money to Pakistan |

How to send money to Pakistan

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Find the most cost-effective and convenient way to make an international money transfer to send money to Pakistan.

Navigating money transfers can be tough, especially when you’re sending money to a smaller country like Pakistan. But it doesn’t have to be expensive or complex. When you’re looking to convert your dollars to Pakistani rupees, it pays to spend your time comparing options and finding the best money transfer service for your needs.
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    Compare money transfer services to Pakistan

    I want to send


    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    USD 1 Within an hour USD 3.99 130.808 PKR 653,519 Use promo code FINDER to send your first transfer at no fee to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
    GBP 5,000 1 - 2 days USD 0.00 130.676 PKR 653,381 Get live quotes on exchange rates and take advantage of no transaction fees with no limits on transfers. Go to site Show details

    Compare up to 4 providers

    Banks versus money transfer companies

    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, you may want to check out the services provided by a specialist money transfer company. Providers like Xoom and PakRemit offer online transfers from the US to Pakistan with better exchange rates than banks, and many have lower transfer fees.

    Yousuf sends money to Pakistan

    Yousuf works in the United States and wants to send $1,000 to his wife back in Pakistan. While his bank could transfer the money, the high fees and low exchange rate make it a less valuable offer. In an effort to save money on his end and send more to his wife at home, 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 to 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 he’ll also be able to send his family an extra 680 rupees.

    How to compare transfer companies when sending money to Pakistan

    • 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.
    • 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.

    Foreign exchange rates explained

    Exchange rate is used by banks and money transfer providers to determine how much one country’s currency is worth in the currency of another country. The US dollar is generally strong, which means it will yield more when exchange for rupees. The exact amount depends on the global economy and your individual money transfer provider. For example, in September 2018 the US dollar was worth about 123.75 Pakistani rupees. This amount can change daily, so check back often to see if you can get a good deal, especially if you frequently send money to Pakistan.

    Compare live USD to 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 US 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 US, 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.

    How to send money to Pakistan

    1. Use the table above to compare some of your money transfer options.
    2. Click Go to site when you’re ready to start your transfer.
    3. Create an account and start a transaction.
    4. Enter your recipient’s information and how much you want to send.
    5. Pay for your transfer.
    6. Save your tracking number or receipt to follow up on the progress of your transfer.

    Emergency cash transfers in Pakistan

    Emergency transfers to Pakistan are possible, but it might cost you. These tend to have higher fees and less favorable exchange rates, meaning it will cost you more to potentially send less. However, if an emergency situation arises and you need to send money fast, an emergency transfer might be the solution to get your recipient rupees when they need them.

    Tips for picking up cash in Pakistan

    Because many cash pickup locations are in big cities, it’s important to stay aware of your surroundings. When picking up cash, be careful not to make yourself a target. Bring a friend along to help, and have a nondescript bag you can use to carry your rupees. You can also limit your risk by quickly depositing your cash into a safe or bank account.

    Cash pickup locations in Pakistan

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    4 Responses

    1. Default Gravatar
      MuhammadOctober 9, 2018

      I will pick up money from bank.

      • finder Customer Care
        nikkiangcoOctober 10, 2018Staff

        Hi Mohammad,

        Thanks for your inquiry and for visiting our page.

        If you are picking up money sent to you at the bank, please inform your sender on this. Also, inform your sender to speak to his/her financial institution and ask how to send money from a US bank account to your Pakistani bank account, the details needed, transfer fees and transfer times.

        Hope this was helpful. Don’t hesitate to message us back if you have more questions.


    2. Default Gravatar
      ImtiazMay 7, 2018

      Dear Sir My money 340 Million US Dollars was released by Payoneer and lying in First Century Bank USA. I requested to
      Xoom to bring my money from USA to Pakistan in my bank. Xoom
      is keeping my money with her and asking me to request Payoneer
      )(sender) to contact xoom. Please telkl me procedure/law

      • finder Customer Care
        JoshuaMay 7, 2018Staff

        Hi Imtiaz,

        Thanks for getting in touch with finder.

        Please note that you are trying to transfer a huge amount of money. There are certain laws that regulated money transfers. In your case, you need to follow the instructions of Xoom. That is the best way for you to get your money.

        Since we don’t represent Xoom nor Payoneer, I would strongly advise that you directly get in touch with them.

        I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

        Have a wonderful day!


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