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Sign up and send money to Pakistan with a digital money transfer specialist in four steps:
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.
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.
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.
Companies like OFX and TransferWise 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.
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 transfer||Cash transfer||Online money transfer|
|Fee||£20 + additional correspondent bank fees||£4.99||£2|
|Exchange rate||1 GBP = 191.33 PKR||1 GBP = 198.04 PKR||1 GBP = 199.79 PKR|
|Transfer speed||2 to 3 days||Minutes||Hours|
|Amount received||191,334 PKR||198,043 PKR||199,799 PKR|
|Verdict||Slowest and most expensive||Fastest||Best 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.
Weigh costs and fees against convenience, and learn how to compare money transfer providers that send money to Pakistan to meet your needs:
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.
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.
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.
Track how the Pakistani rupee trades against the pound sterling in our historical rate chart.
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.
To send money to Pakistan from the UK, you’ll need documentation and details that include:
To pick up money in person, documentation can include:
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.
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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