Send Money to Pakistan using the Best International Remittance Companies

Learn how to send money to Pakistan quickly and securely with the help of remittance companies. And, discover the best options for sending money to avoid high fees and hidden charges. Read on to find out more
Sending Money to Pakistan from Anywhere

If you are here, it means you want to send money to Pakistan, but are quite frankly at a loss of which money transfer provider to use. We have rounded up the best to help send money to Pakistan.

There is a catch though, we are only talking about the reliable ones, which have an established presence and can accommodate freelancers. You may still get hit by hidden fees, transaction fee, poor currency exchange rate, and delayed remittances, but we really cannot help in such matters – the best thing to do is read up on financial services that remit payment and pick one that offers you the best exchange rate.

While sending money outside of Pakistan is a pain (and thus not covered in this article), receiving it in your local bank account via an online money transfer provider is much esier.

Money Transfer Providers

Let’s clear one thing, you are sending money online into Pakistan from another country – ideally using a popular remittance corridor for e.g. between USA and Pakistan, UAE to Pakistan, UK to Pakistan, Europe to Pakistan etc.

You upload your foreign currency into a money transfer provider via their payment methods and send it to a Pakistani local bank account, cash pickup, mobile wallet and in some cases a debit card. For transactions over $500, be ready to provide KYC documentation into your identity and your source of funds, as well as reason for payment and who the person is to you.


Sending Money to Pakistan from Anywhere

Remitly is a digital remittance service that makes the fund transfer process affordable, faster, and reliable. It also tops the list of most remittance corridors to Pakistan. They are a purely digital money transfer service providers without any physical offices, hence keeping the costs low and passing those savings on to you.

How to Send Money to Pakistan Through Remitly

  • Make an account first, if you are new on the site.
  • Enter the desired payment
  • Choose a delivery method
  • Add the receiver’s personal information & bank account details
  • Select the mode of payment and send off

Besides that, the company asks for additional documentation depending on the amount transferred or if they cannot verify your identity. You can send your payments to different banks in Pakistan.

The receiver will get the payments via bank deposit, cash pick-up locations, and mobile wallet accounts.

You should also know that Remitly supports transfers to NayaPay in Pakistan as well as SadaPay Transfers.

Remitly Charges

Even when you send money with a debit card, Remitly costs a $1.99 transfer fee offering fast deposits and an on-time delivery guarantee. You can send up to $10,000 in a single transfer.


Sending Money to Pakistan from Anywhere

Wise is the safest and most affordable company, focusing on “borderless banking”. Wise makes managing money transfers in multiple currencies a breeze. Wise holds 53 currencies and uses the real exchange rate to convert your money with no hidden charges.

Link your Credit, Debit, PayPal or bank account to pay for your transfers*. Also, you can use your Wise bank account details to receive and manage your money. In addition, they don’t do complicated automated systems and have several offices worldwide to assist customers.

How to Send Money to Pakistan with Wise

  • Register your free account with your email address, Facebook, or Google account.
  • Choose an amount to send and enter the receiver’s bank details. Wise will inform you about the fees and when the recipient receives money.
  • Verify your identity because Wise asks for a photo of your ID to protect your money for some currencies or large transfers.
  • Pay for the transfer via a bank account or credit/debit card. Both have different fees which Wise is very clear about

Wise sends your payments within 24 hours as a same-day transfer or sometimes an instant money transfer on popular routes in Pakistan.

Furthermore, sometimes, different payment methods or routine checks may affect the delivery time. Although, Wise keeps the users updated, allowing them to track each step in your account.

Currently, Wise has a limit of PKR 120,000 for the amount of money you can send in each transfer. This is due to high fluctuations in PKR currency. Other than this, account limitations apply. For instance, if the recipient has an Asaan account with a limit of PKR 500,000 or a mobile wallet account with a monthly limit of PKR 200,000 then your transfer is limited to this. If you send more, then you risk delays and refunds, hence be mindful.

You should also know that Wise supports transfers to NayaPay in Pakistan as well as SadaPay Transfers.

Wise Charges

You pay a tiny, flat fee of 0.45 GBP + 0.62% of the amount that has been converted. Also, the price depends on your selected transfer type.

The payment options include direct debit, credit card, wire transfer, debit card, and Apple Pay. Charges for payment options depend upon the currency being converted or paid.

If you haven’t already, read our “Use WISE in Pakistan to Boost your Freelancing Career” guide to learn more about Wise.

* Some payment methods are only available for certain currencies. All require the account to be under your name.


Sending Money to Pakistan from Anywhere

WorldRemit is one of those international money transfer companies with the lowest cash transfer fee with the same level of security and directly competing with Wise when it comes to low cost transfers. On UK based transactions to Pakistan, World Remit tops the list thanks to higher rates.

How to Send Money to Pakistan Via WorldRemit

You can send money to Pakistan via bank transfer, mobile money, Airtime top-up, and cash pick-up, Here’s how:

  1. Go to website and create an account.
  2. Choose the recipient country
  3. Enter amount
  4. Select payment method
  5. Enter receiver’s bank account details
  6. Pay the charges for your transactions

How Do I Request Cancellation from WorldRemit?

You can request a cancellation through the application or website for an instant response.

  • First, log in to your account.
  • Go to your transfer activity.
  • Select the transfer you want to omit or cancel.
  • Press request cancellation.

WorldRemit may not be able to refund an amount after it has been paid out.

WorldRemit Charges

The minimum cost is $3.99. Also, the charges depend on the amount you’re transferring. Besides that, the maximum amount you can send in a single transaction with WorldRemit is $5,000.

Ria Money Transfer

Sending Money to Pakistan from Anywhere

Another popular service to receive foreign remittances in Pakistan is via Ria Money Transfer. It offers an excellent conversion fee and exchange rates on international money transfers.

Ria Money Transfer provides users with more options to make an international transfer. Along with sending money through the website and application online, you can transfer your remittance or receive money in person at any of the nearby locations without any hassle. Moreover, you can find a network of Ria stores and agents worldwide.

Besides that, you can choose among three modes cash pick-up, bank account, and mobile money/wallet, and send your funds within a few minutes.

How to Send Money to Pakistan Via Ria Money Transfer?

  • Open the site or mobile application. Enter your details to get started.
  • Select receipient country
  • Enter the amount
  • Choose the payment method
  • Select receiving method as per the convenience of the receiver.
  • Pay the transfer

In addition, you can track your money and have real-time updates on the status of any fund transfer by entering your order number or PIN. You receive your PIN via your confirmation email, and if you send funds in person, you will get it on the printed receipt at the store.

You can refund your money via Ria. However, the times depend on the payment method:

  • It takes 2 to 10 business days for bank accounts
  • 3 to 5 days for credit or debit cards.
  • For cash orders, it takes 10 to 15 working days (after you provide us with the completed refund form and a copy of voided check).

You can also request for cancellation of a transfer from the app, website, or email – if the transfer hasn’t been paid out.

You should also know that Ria supports transfers to NayaPay in Pakistan.

Ria Money Transfer Charges

No charges on your first money transfer.


Sending Money to Pakistan from Anywhere

The most famous is Xoom, a PayPal Service. It’s been around for a long time and the company helps you receive money in your Pakistani bank accounts.

You have options to send money via card and account and PayPal. While you can receive money in Pakistan in either Cash-pickup, bank deposit, mobile wallet, and debit card deposit.

For each receiving option, the remittance time varies.

How to Send Money Through Xoom

  • Head over to the website or if you have an account with PayPal, you can send money to Pakistan directly.
  • Go to the site and input your sending amount. You’ll be shown the conversion rate and Pakistani rupee amount.
  • Pick a receiving option
  • Add receiver’s info
  • Add your info
  • Select your payment method and account details accordingly and send away

Xoom Charges

The minimum cost is $4.99 although, there are waivers on amounts above $1,000. Besides this, your sending limit is $10,000.


Sending Money to Pakistan from Anywhere

Instarem is yet another reliable international money transfer company that helps bring in money to Pakistan from abroad. The most popular remittance corridors for Instarem are UK to Pakistan, Europe to Pakistan and USA to Pakistan

Instarem supports transfers from popular currencies. You can even be so bold as to transfer money through Instarem to non-European countries such as South Korea, China, and Vietnam, etc.

How to Transfer Money to Pakistan via Instarem

  • Create an account
  • Enter your personal information & verify
  • Add recipient’s bank account details (individual or corporate)
  • Add recipient info
  • Go to send money and put in the amount.
  • Choose the source of funds and the purpose of the money transfer.
  • Select the payment method and you are done

Instarem Charges

Instarem has competitive pricing with no hidden money. Their fees differ from countries and transfer corridors, with typical charges varying between 0% and 1%.

And when it comes to charging for money transfers to Pakistan, Instarem costs 0.25% to 1% with around 4% additional charges, including margins on foreign exchange rates, bank charges, and service charges.

Bottom Line

There you go! All the reliable money transfer platforms for us in Pakistan! So freelancers, no need to worry about your money getting stuck abroad!

Entrepreneurs, use Wise! Everyone else, call in your leftover Eidi now ????

Just remember to double check transfer fee, recipient info, and keep an eye on the fluctuation exchange rate (we recommend

Now, which remittance platforms did we miss, that you cannot live without? Have you used any of these we mentioned? If yes, how was your experience? Hit the comments and let us know!


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