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 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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    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 3.99 122.57 PKR 612,362 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

    Compare up to 4 providers

    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.

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    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?
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    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 January 2018, the U.S dollar was worth approximately 110.34 Pakistani Rupee. 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.

    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.

    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

    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

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    2 Responses

    1. 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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