How to send money to Pakistan

Find a fast, low-fee way to transfer cash to friends, families and businesses.

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

Compare services that send money to Pakistan from the UK

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Our table below lets you compare the services you can use to send money abroad. Choose if you want to send under or over £10,000, and you’ll be shown a list of services that can help you.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
Wise (TransferWise)
Within an hour
From £3.75

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Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
CurrencyTransfer
24 hours
£0

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CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
XE Money Transfer
Within minutes
£2
SPECIAL OFFER ✓ £25 Amazon voucher when you refer a friend

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XE has fast transfers with low fees and a range of foreign currency tools.
Wise (TransferWise)
Within an hour
From £3.75

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Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
PassTo
PassTo
24 hours
From £0.99

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PassTo specialises in remittances to bank accounts and cash pickup locations in 45+ countries.
Azimo
Within minutes
From £0.99
SPECIAL OFFER ✓ First two transfers free for new customers.

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New customers use code AZIMO50 to get GBP 5 off when you transfer GBP 50+. Valid till 31 October 2021. T&Cs apply.
Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.
Remitly
Within minutes
From £1.49
SPECIAL OFFER ✓ Free transfers and better exchange rates for new customers

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Remitly has quick, affordable transfers around the world, with both express and economy options.
WorldRemit
Within an hour
From £1.99
SPECIAL OFFER ✓ Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.

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Send money to Cameroon with zero fees. Valid till 20 October 2021. T&Cs apply.
New customers spend GBP 20 and use code TAKE10 for a GBP 10 discount. Valid till 7 November 2021. T&Cs apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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Compare up to 4 providers

How to send money to Pakistan online

Sign up and send money to Pakistan with a digital money transfer specialist in four steps:

    1. Sign up for an account. Pick a provider and sign up for a free online account using your contact information, proof of ID and preferred payment method.
    2. Provide transfer details. Submit your recipient’s contact information and pick a delivery method. If transferring to a bank, you’ll need their Pakistani bank account details.
    3. Confirm transfer details. Double-check your payment method, expected fees and destination.
    4. Save your receipt. Record your receipt’s confirmation number to track the progress of your transfer to Pakistan. Some money transfer providers send a text or email when your transfer is complete.

What’s the best way to send money to Pakistan?

Online money transfer providers typically offer the strongest exchange rates and lowest fees on money transfers to Pakistan. Some pair services with local mobile wallet companies like JazzCash. Banks, PayPal and other options are available but come with high fees, weak rates and long turnaround.

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Banks

Pakistani rupees aren’t a popular currency, which means banks may not offer them. If your bank supports rupees, beware of high fees and wide margins on the exchange rate compared to digital and other options.

Picture not described: BlueCoinsCashIcon_Infogram_94x62.png Image: Infogram

Cash transfers

Services like Western Union allow you to transfer cash for pickup at a local branch in Pakistan – often in 15 minutes. While it’s a fast way to send money, you’ll pay for the convenience in weak rates and high fees. If a cash pickup is necessary, look to digital services like WorldRemit or Remitly.

Blue icon representing money transfers Image: Infogram

Digital money transfer specialists

Companies like OFX and Wise specialise in foreign currencies, making them some of the most cost-effective transfers. Most offer a variety of options for your recipient to receive your money, like to a JazzCash account or for cash pickup at an agent location.

Crunching the numbers: Sending £1,000 to Pakistan

Let’s say you need to send £1,000 to family in Pakistan. Here’s what you might face as far as fees and exchange rates as of 1 May 2020.

Bank transferCash transferOnline money transfer
Fee£20 + additional correspondent bank fees£4.99£2
Exchange rate1 GBP = 191.33 PKR1 GBP = 198.04 PKR1 GBP = 199.79 PKR
Transfer speed2 to 3 daysMinutesHours
Amount received191,334 PKR198,043 PKR199,799 PKR
VerdictSlowest and most expensiveFastestBest value

The bank transfer is slow and results in the smallest amount transferred to your recipient, given a weak exchange rate. With the online money transfer service, your recipient ends up with 8,465 more rupees. If you need to send the money urgently, a cash transfer will get it there within minutes – but the online money transfer won’t take that much longer.

How to get the most out of your money transfer to Pakistan

Weigh costs and fees against convenience, and learn how to compare money transfer providers that send money to Pakistan to meet your needs:

  • Exchange rates. The GBP–PKR relationship is relatively stable, so providers should offer exchange rates close to the mid-market rate. If they don’t, consider taking your business elsewhere.
  • Transfer fees. Transferring money overseas nearly always requires fees, but they might be hidden in the exchange rate. When sending large amounts, it may be cheaper to pay a flat fee to secure a stronger exchange rate.
  • Transfer limits. How much you can send varies by company, and different amounts can attract higher or lower fees. Shop around for the best deal on the number of Pakistani rupees you’re sending.
  • Turnaround. Transferring money through a local bank can take a business week or longer. If you need the funds delivered quickly, seek out a digital specialist that offers instant transfers.
  • Minimum limits. Average incomes vary widely between the UK and Pakistan, which means companies with high minimums transfers may not be your best choice.
  • Transfer methods. Whether you want money sent to a Pakistani bank account or picked up as cash at a local agent, narrow down a company that matches your preferred delivery method.

Emergency cash transfer

If you need to send money to Pakistan quickly, look for money transfer companies that support cash pickup in minutes.

You can pay with a credit or debit card for fast pickup, but fees are higher than other methods.

How to send money to Pakistan without a bank account

If you don’t have a bank account, you can still use cash transfer services to get the money to its destination. Similarly, a recipient can get the money with a cash transfer if they don’t have a bank account.

These cash transfer services are widely available around the world and although they’ll typically not be the cheapest available service they can be fast, convenient and can be used without bank accounts.

Pakistani exchange rates explained

The exchange rate determines how much one country’s currency is worth in another country’s currency. When a country’s currency is strong, it yields more money when exchanging it in a country with a weaker currency. Pakistan’s exchange rate is flexible compared to the pound sterling, which means it shifts during large global events but typically doesn’t change much day-to-day. Factors that influence the exchange rate include interest rates, economic stability and inflation.

Today’s exchange rate GBP to PKR

1
0
Updated: 19 Oct 2021 18:03:06 UTC

Documents needed to send money to Pakistan

To send money to Pakistan from the UK, you’ll need government-issued ID and other documents, while documents needed to pick up money in Pakistan may be different by company.

Documents to send money from the UK

To send money to Pakistan from the UK, you’ll need documentation and details that include:

  • Identification. Most services require a driver’s licence, passport or other government-issued ID.
  • Payment method. Your service may accept credit or debit cards, cash, bank accounts or personal checks.
  • Recipient information. Submit your recipient’s name as it appears on their ID, along with their phone number, Pakistani bank account and routing number.

Documents to receive money in Pakistan

To pick up money in person, documentation can include:

  • Transfer number. The person sending you money can forward the transfer’s confirmation details – called a PIN, a MTCN, a reference number or a tracking number, depending on the company.
  • Government-issued ID. A Computerised National Identity Card (CNIC), National Identity Card for Overseas Pakistanis (NICOP) or passport is typically accepted.
  • Amount sent. You may need to know how much was sent, usually within 10% of the total.
  • Sender’s information. Take along your sender’s full name, the sending country and their address, if known.

What to watch out for

In general, Pakistan doesn’t impose any restrictions on remittances to the country through banks and money transfer companies. But most UK money transfer services will require you to submit valid ID, log high-amount transfers and submit precise recipient information.

Bottom line

It shouldn’t cost a fortune to send money to Pakistan. Compare money transfer companies that specialise in foreign transactions for the strongest rates, lowest fees and flexible delivery. For transfers to other countries, rely on our country specific guides the next time you need to make a transfer.

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2 Responses

    Default Gravatar
    ranaJuly 25, 2018

    how much money i send to pakistan in usd???

      Avatarfinder Customer Care
      joelmarceloJuly 26, 2018Staff

      Hi Rana,

      Thanks for leaving a question on finder.

      There is no limit when sending money to Pakistan from the US. You can compare from money transfer services we have detailed here in sending money specifically to Pakistan.

      Cheers,
      Joel

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