Remit Select - Exchange Rate Comparison

Record $41.6B Remitted in FY26

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Sending toPakistan · PKR

Send Money to Pakistan at the Best Exchange Rates

Send money to Pakistan for less. Compare verified money transfer providers for USD, GBP, CAD, AUD, EUR and NZD to PKR side by side — exchange rate, fee and delivery speed together — so you can see exactly what your family in Pakistan will receive before you send.

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Why compare

Money Transfer to Pakistan: Record-Breaking Remittance Flows

Overseas Pakistanis sent a record $41.6 billion home in the 2025–26 fiscal year, up from $38.3 billion the year before, according to State Bank of Pakistan data, including from the UK, the USA and Europe. With so many providers competing for every money transfer to Pakistan, exchange rates and fees vary a lot, which makes comparing the easiest way to get the best rate.

A small rate difference adds up

A 0.5% gap on a $5,000 transfer is $25 gone before your family sees a rupee. Over a year of regular transfers, that difference compounds fast.

Banks rarely offer the best PKR exchange rate

Banks often add a wider margin to the mid-market rate than specialist money transfer providers, so it pays to compare before you send from your bank.

Many ways for your family to receive money

Bank deposit, mobile wallets such as JazzCash and Easypaisa, or cash pickup. The best provider can change depending on how your recipient wants to be paid.

$41.6B
Record remittances received in FY26 (State Bank of Pakistan)
+8.6%
Growth on the previous fiscal year
$4.25B
Record monthly inflow, May 2026
$38.3B
Remittances received in FY25, the year before

Sending corridors

Money Transfer to Pakistan: Choose Your Sending Country

Select the corridor that matches where you are sending from to compare the best money transfer rates to Pakistan for that specific route.

Quick compare

Popular Amounts to Send to Pakistan

Jump straight to a comparison for a common transfer amount, in whichever currency you are sending from.

USA to Pakistan

How to Send Money to Pakistan from the USA

The USA is one of the largest sources of remittances to Pakistan, and USD to PKR is the corridor many senders compare first. To send money from the USA to Pakistan, compare providers for your amount, pay from your US bank account or card, and enter your recipient's details.

  • Best value

    Pay from your US bank account

    Funding a transfer from a US bank account usually gives the best exchange rate and the lowest fees, and it is exempt from the 1% US remittance tax.

  • Since 2026

    Know the 1% remittance tax

    Since 1 January 2026, transfers funded with cash, a money order or a cashier's check carry a 1% US federal tax. Bank account and US debit or credit card funding is exempt.

  • Compare

    Check the PKR amount received

    US providers must show the exchange rate, fees and the amount your recipient receives before you pay. Compare that final PKR figure, not just the headline rate.

Compare USD to PKR rates →

Simple process

How to Send Money to Pakistan in 4 Steps

Start comparing →
  1. 1

    Choose your corridor

    Select where you are sending from and enter the amount you want to transfer to Pakistan.

  2. 2

    Compare providers

    See exchange rates, transfer fees, delivery speed and user ratings for each verified provider, side by side.

  3. 3

    Pick the best deal

    Choose the provider that fits your priority: the strongest PKR rate, the lowest fee, or the fastest delivery.

  4. 4

    Send with confidence

    Complete the transfer directly with your chosen provider. Delivery ranges from minutes to a couple of business days, depending on the provider and payout method.

Why Pay More Than You Have To?

Exchange rates and fees differ from one provider to the next, and on a $1,000 transfer to Pakistan that difference can add up. Remit Select shows exchange rates, fees and delivery speed side by side, in seconds, for free.

Compare Pakistan rates free →
Free to use · No sign-up required · Instant results

How to pay

Ways to Pay When You Send Money to Pakistan

Most providers accept several ways to pay. The right choice depends on your bank, the size of your transfer, and how quickly you need the money to arrive.

  • Most popular

    Bank transfer

    Send directly from your bank account. Usually the best rates and no card surcharges, and the most reliable option for larger transfers.

  • Instant

    Debit card

    Fast and convenient, with funds sent immediately. Some providers add a small surcharge, but there is no credit risk.

  • Secure

    Credit card

    Accepted by most providers, though it often carries higher fees and may be treated as a cash advance by your card issuer.

  • Instant

    Open banking / pay by bank

    A newer method offered by select providers: fast setup, no card fees, and strong fraud protection built in.

  • Secure

    Cash deposit

    Visit an agent location and deposit cash. Useful if you do not have a bank account, but in the USA cash-funded transfers carry a 1% federal tax.

  • Popular

    Digital wallet

    Pay via PayPal, Skrill or Neteller on select platforms. Convenient if you already use a digital wallet day to day.

How recipients get paid

How Your Family Can Receive Money in Pakistan

Pakistan supports several ways to receive money, from bank deposits and mobile wallets to cash pickup across the country. Which options you see depends on the provider.

  • Bank account deposit

    Funds go directly into a Pakistani bank account using the account number or 24-character IBAN. This is the most common way to send money to Pakistan.

    • HBL
    • UBL
    • MCB
    • Allied Bank
    • Meezan Bank

  • Mobile wallet

    Some providers send straight to a mobile wallet linked to the recipient's registered phone number, handy for everyday spending.

    • JazzCash
    • Easypaisa
    • NayaPay

  • Cash pickup

    The recipient collects cash from a local agent or bank branch with their CNIC and a reference number. Coverage extends beyond the big cities.

    • Western Union
    • MoneyGram
    • Ria Money

  • Instant bank payout

    Select providers can pay Pakistani bank accounts within minutes through Raast, the State Bank of Pakistan's instant payment system.

    • Raast
    • Select providers

  • Home delivery

    Cash delivered to the recipient's door in select cities, available through certain banks and partner networks.

    • Select cities
    • Partner networks

  • Your own Roshan Digital Account

    Overseas Pakistanis can open a Roshan Digital Account remotely to hold and move money in Pakistan. Check that your chosen provider supports payouts to it.

    • RDA
    • Overseas Pakistanis

Expert advice

Best Way to Send Money to Pakistan: Tips to Save More

Small choices in how, when and how much you send can add up to real savings over a year. Here is what experienced senders know.

  1. Compare before every transfer, even with a regular provider

    Exchange rates move daily. A provider that offered the best deal last month may not today. Checking Remit Select before each transfer takes under a minute and can save real money, especially on larger amounts.

  2. Send larger amounts less often to reduce fees

    Many providers charge a flat fee per transfer. Sending $2,000 once instead of $500 four times means paying that flat fee once instead of four times, at a similar exchange rate. Batch transfers where you can.

  3. Pay by bank transfer, not card or cash, for the best rate

    Paying by debit or credit card can add a surcharge, and in the USA cash-funded transfers carry a 1% federal tax. Bank transfers are usually the cheapest way to fund a transfer to Pakistan.

  4. Send a few days before Eid

    Remittances to Pakistan peak around Eid, and payouts can be slower on bank holidays and weekends. Sending a few days early gives your family time to receive the money before the festival.

  5. Double-check the IBAN and account name

    A Pakistani IBAN is 24 characters and starts with PK. The name you enter should match the account exactly. A wrong digit or name mismatch is the most common reason a transfer is delayed or returned.

Regulations

Limits, Taxes and Rules for Sending Money to Pakistan

Money transfers to Pakistan are regulated on both ends. Understanding the key rules helps you plan a transfer smoothly and avoid unnecessary delays.

  • Use licensed providers such as banks, exchange companies and regulated digital services. Informal hawala or hundi channels are illegal in Pakistan and give you no protection if something goes wrong.
  • Limits are set by your provider, the payout method and the rules in your sending country. Bank deposits usually allow larger amounts than cash pickup or mobile wallets.
  • Regulated providers verify your identity and may ask for source-of-funds documents on larger transfers under anti-money-laundering rules.
  • USA: since 1 January 2026, a 1% federal tax applies to remittances funded with cash, a money order or a cashier's check. Bank account and US debit or credit card funding is exempt.
  • Overseas Pakistanis can open a Roshan Digital Account to hold and move money in Pakistan. Check the current State Bank of Pakistan rules and your provider's support before using one.
  • Tax treatment of money received can depend on your situation and where you live. Speak to a qualified tax advisor for large or regular transfers.
Key facts at a glance
Payout currencyPakistani rupee (PKR)
Per-transfer limitSet by each provider
ID verificationRequired by regulated providers
Extra checksLarger amounts / source of funds
Pakistani bank IBAN24 characters, starts with PK
Cash pickup IDCNIC + reference number
US remittance tax1% on cash-funded only
Hawala / hundiIllegal, use licensed providers
Limits and rules vary by provider, sending country and transfer purpose. This is general information, not legal or tax advice. Verify with your chosen provider and a qualified advisor for large transfers.

Common questions

Send Money to Pakistan: Frequently Asked Questions

Everything you need to know about sending money to Pakistan.

The best way depends on where you are sending from, how much you send and how your family wants to receive it. Specialist money transfer providers usually beat banks on exchange rate and fees. Use Remit Select to compare providers for your corridor and amount, then pick the one that gives your recipient the most rupees.

Compare USD to PKR providers on Remit Select, choose one, register and verify your ID, enter the amount and your recipient's bank, wallet or cash pickup details, then pay from your US bank account or card. Paying from a bank account usually gives the best rate and avoids the US 1% remittance tax on cash-funded transfers.

Choose a licensed provider, create an account and verify your identity, enter your recipient's name and account details (IBAN, wallet number or pickup details), pick how to pay and confirm. Most providers show the exchange rate, fee and the exact PKR amount before you pay.

The best rate is the one closest to the mid-market exchange rate with the lowest fees. It changes daily and differs by provider, amount and payment method, so compare the final PKR amount received, not just the headline rate. Remit Select shows providers side by side for your corridor.

Delivery ranges from a few minutes to a couple of business days. Bank deposits and mobile wallets can be fast with some providers, while cash pickup and transfers around weekends or public holidays such as Eid can take longer.

Yes, with select providers. Wallet payouts need the recipient's registered mobile number. Not every provider supports every wallet, so check the payout options shown when you compare.

For a bank deposit you need the recipient's full name as on the account, the bank name and the account number or 24-character IBAN, which starts with PK. For a wallet you need the registered mobile number. For cash pickup the recipient collects with their CNIC and a reference number.

Since 1 January 2026, the USA charges a 1% federal tax on remittances funded with cash, a money order or a cashier's check. Transfers funded from a bank account or a US debit or credit card are exempt, so paying online avoids it.

Limits are set by your provider, the payout method and the rules in your sending country. Bank deposits usually allow larger amounts than cash pickup or wallets. Larger transfers may need extra ID or source-of-funds checks.

This page covers sending money to Pakistan. Sending money out of Pakistan is regulated by the State Bank of Pakistan and generally goes through authorised dealers such as banks and exchange companies for permitted purposes. Check current rules with your bank.