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How to send money to Pakistan securely

Find the most cost-effective way to transfer money to Pakistan from South Africa.

When you want to send money abroad to Pakistan, it’s a good idea to be prepared and know what your options are for sending money from South Africa to Pakistan. Using an international money transfer service can usually save you money, compared to using a bank. By comparing exchange rates and fees, you can find the best deal for your next transfer.

Compare your options for sending money to Pakistan below

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 60 1 day ZAR 0.00 11.368 PKR
Skrill offers easy transfers to many popular destinations, but keep an eye out for added fees. Go to site Show details
USD 1 Within an hour ZAR 250.00 11.354 PKR
Use promo code FREE to send your first transfer with no fee. T&Cs apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

There are plenty of reasons why you may want to send money back to Pakistan:

  • You have recently relocated and you want to send money back to your family to help with expenses
  • You have an investment property in Pakistan and need to make mortgage repayments
  • You want to send cash as a gift, rather than sending an actual package to Pakistan

How to send money to Pakistan in a few simple steps

  1. Choose your service. Find a money transfer service that allows you to send money to Pakistan from South Africa.
  2. Create an account. This usually involves providing forms of identification, like your driver’s licence or passport and proof of address.
  3. Pick your payment method. You can typically choose to pay from your bank account, credit card or debit card.
  4. Choose your delivery method. Do you want to send money directly to your recipient’s bank account, to their mobile phone, or arrange a cash pickup in Islamabad, Karachi or Peshawar?
  5. Enter your transaction details. This includes the transfer amount, the currency you’re sending and the recipient’s information.
  6. Review your transfer. Make sure the receiver’s details are correct. You can also review the final exchange rate and any other fees.
  7. Send your funds. The money will be deposited into your recipient’s account in Pakistan.
  8. Receive email/SMS confirmation. This will include your tracking number along with confirmation of your transfer. If the recipient is picking up cash, they’ll need to present this at collection.

Banks vs specialist money transfer companies

Although banks are quite capable of sending money to Pakistan, you’ll face high exchange rates and multiple fees to get your money into the hands of the person who needs it. If you need a quick option, banks also fall short — it could take up to a week, while money transfer companies may be able to exchange your money in a few hours.

Specialist money transfer companies are the best place to start. These companies offer fast, secure and much more affordable transfers to Pakistan. The fees are usually lower than what you’d find at a bank, exchange rates are higher and the transactions can be handled from the comfort of your own home. This gives money transfer companies a competitive edge over banks, so consider one when you’re in need of a money transfer to Pakistan.

Javaid sends money to Pakistan

Javaid moved from her Pakistani home to South Africa due to a work opportunity. Being unmarried, she feels a responsibility towards taking care of her ageing parents financially. In order to do this from overseas, she has been exploring her money transfer options in South Africa. She intends to send R1,000 over.

Money transfer service number 1Money transfer service number 2
Exchange rate1 ZAR = 10.13 PKR1 ZAR = 9.99 PKR
FeesThe sender pays a fee of R15R14 payable by the sender
Amount received in PKR for 1,000 ZAR10,130 PKR9,990 PKR
Transfer timeThe transfer can take place in just a matter of minutes.This is an immediate transfer that should take less than ten minutes.
OptionsYou can also arrange to have the money sent directly to a participating bank in Pakistan. The fee is waived when you choose this option.Direct bank to bank transfer
DifferenceIn this transfer, there are approximately 1,737 Rupees lost compared to what the standard exchange rate would be.When transferring to Pakistan with this service company, there will be 2016 Rupees lost in the exchange.

As you can see, with the first company, Javaid will be able to give her family an additional 140 PKR as well as pay less in fees when she initiates a bank transfer from South Africa to Pakistan. This example shows why it’s important to look carefully at these numbers for hidden fees such as this if you want to find the company that will save you the most.

How do I compare transfer companies when transferring money to Pakistan?

With Javaid’s case study you can see how important it is to examine all aspects of transferring money from South Africa to Pakistan before you make a decision on which company to use. Consider these points when looking at the available companies:

  • Exchange rates. This is an important point to consider and one to examine closely. Fees are often hidden by giving the consumer a lower exchange rate than its competitors.
  • Transfer options. Some transfer companies and banks make the transfer easy by allowing you to initiate it online and withdrawing the funds directly from your bank account. Check first to make sure that you are not being charged more for this convenience.
  • Pick-up options. Consider the circumstances of the party you are transferring the money to. You may find that it is easier for them with a cash pick-up or they might prefer a transfer straight into their bank account.
  • Transfer time. This is dependent on the urgency in which your recipient needs the money. You can find companies that conduct the transfer in just minutes or some options that take up to three to five business days.
  • Transfer amounts. There are regulations that make it so that you may only transfer a certain amount of money each time, and even per day in most cases. The fees charged to you may also be changed depending on the amount that you are transferring.

How to send money to Pakistan from South Africa

  • Bank transfers. A transfer from your bank account to a bank account in Pakistan is a secure option but will typically cost you more. Check to see if your bank can send money to Pakistan.
  • Online money transfer providers. Send money all around the world and enjoy cost-effective transfers when you use a specialist online transfer company.
  • Money transfer companies with cash pickup options. MoneyGram and Western Union all offer this convenient service.

Emergency cash transfers in Pakistan

If you are travelling in Pakistan and find yourself in sudden need of money, you have a couple of options available to have money sent to you.

You should note that these are pickup locations only. If you are transferring funds out of Pakistan you will need to find an alternate location.

Tips for picking up cash in Pakistan

You should take care whenever you pick up cash from a transfer agent. This means staying aware of your personal safety at all times and taking a few steps to prevent yourself from becoming a target for thieves.

  • Call ahead. Learn the company’s business hours and choose a safe time to pick up your cash. Daylight hours are best.
  • Bring a friend. Carrying money when alone can be dangerous. Ask a friend to come along.
  • Deposit your money immediately. The likelihood of losing your money to theft or simple carelessness grows the longer you have it with you. Go straight to a bank and deposit your cash as soon as possible.
  • Keep your cash hidden. Place your money in your purse or wallet before leaving the office. Carrying cash out in the open could make you a target.

How does my recipient pick up the money I sent?

When using a transfer service to send money from South Africa to Pakistan you will need to have the exact name of your recipient and your own photo ID. In order to pick-up the funds, tell your recipient to make sure that they have the following:

  • Identification. This will have to be a photo ID, such as a passport or driver’s licence.
  • Transfer number. There is a number given with the transfer that you will have to pass along to your recipient in order for them to pick-up the money.
  • Transfer amount. The recipient should know how much the transfer is for.
  • Your name. They will also need to know your name for identification purposes.

Once you send the transfer and let the recipient know the transfer code, some companies will allow you to track the progress online so that you can see that it was picked up successfully.

If you plan to regularly send money from South Africa to Pakistan, it may be practical to look into banks that will allow account to account to transfers. Otherwise, weigh the fees and rates of the cash transfer companies to find the one that gives you the most value and convenience for both you and your recipients.

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