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Send money from New Zealand to Pakistan(NZD → PKR)
NZD
PKR|Updated recentlyMid-market 163.5026Cheapest today
Regency FX
Rate 162.1946 · Fee free
You send
NZ$1,000
Recipient gets
Rs162,195
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from New Zealand to Pakistan in May 2026 is Regency FX, which delivers 162,194.57 PKR on a 1,000 NZD transfer with a fee of zero.
Last reviewed: by Awais Imran, Reviews Editor
What is the cheapest way to send NZD to PKR?
Sending NZ$1,000 from New Zealand to Pakistan. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 162.1946·Fee Free·0.80% markup
Some links on this page are affiliate links. We may earn a commission at no extra cost to you. This does not affect our rankings, which are based on real transfer data. Editorial policy
Sending money from New Zealand to Pakistan? Compare real-time exchange rates and fees across leading money transfer services. Find the provider that gives you the best PKR amount today.
New Zealand expats and immigrants regularly send money to Pakistan. The cost difference between providers can be significant — banks typically charge 3–5% in hidden exchange rate markups, while specialist services like Wise, Remitly, and WorldRemit offer rates much closer to the mid-market rate. Our comparison shows the total PKR received from each provider after all fees and markups.
Which provider offers the best NZD to PKR rate?
Regency FX
4.8Exchange rate
162.1946
Fee
Free
Recipient gets
Rs162,194.57
Speed
Same day to 2 business days
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the New Zealand to Pakistan route.
Cheapest transfer
Regency FX
Delivers the most PKR for your money
Fastest transfer
Regency FX
Delivers in Same day to 2 business days
Bank transfer
Regency FX
Best rate for bank deposit to Pakistan
How to send money to Pakistan
Sending money to Pakistan is straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much NZD you want to send, compare providers above, and pick the one offering the best PKR amount for your transfer to Pakistan.
Step 2
Add your recipient
Enter your recipient's details in Pakistan — you'll need their iban. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit typically takes 1–3 business days.
What you need to send money to Pakistan
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full legal name as it appears on their bank account or CNIC
IBAN
24-character IBAN starting with 'PK' — Pakistan adopted IBAN format in 2012
Example: PK36SCBL0000001123456702
Bank name
Name of the recipient's bank (e.g. HBL, UBL, MCB, Allied Bank)
Mobile number
OptionalRequired for JazzCash or Easypaisa mobile wallet transfers (11-digit Pakistani mobile number)
Example: 03001234567
Note: Pakistan adopted the IBAN system in 2012. All Pakistani banks now use 24-character IBANs. If your recipient only has an old-format account number, their bank can provide the IBAN equivalent.
Transfer examples: NZD to PKR
See how much your recipient would get for common transfer amounts.
Send NZ$500
ProviderFeeReceives
Regency FX
162.19 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
Regency FXFree162.19Rs81,097Same day to 2 business days
Send NZ$1,000
ProviderFeeReceives
Regency FX
162.19 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
Regency FXFree162.19Rs162,195Same day to 2 business days
Send NZ$5,000
ProviderFeeReceives
Regency FX
162.19 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
Regency FXFree162.19Rs810,973Same day to 2 business days
How much does it cost to send money from New Zealand to Pakistan?
Transfer fees from New Zealand to Pakistan vary by provider. Specialist services charge NZ$0–10 per transfer, while banks charge NZ$25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total PKR your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically NZ$0–NZ$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (163.5026).
Ways to send money to Pakistan
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Mobile wallets (JazzCash and Easypaisa) are growing rapidly in Pakistan and are often the fastest delivery method. Cash pickup remains essential for recipients in smaller cities and rural areas where bank access is limited.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
How can my recipient receive money in Pakistan?
Your recipient in Pakistan can receive money through these delivery methods. The best option depends on their location and preferences.
Bank Deposit
1–3 business days
Direct transfer to any Pakistani bank account via IBAN. Most common method for recipients with bank accounts.
WiseRemitlyWorldRemitWestern Union+2 more
JazzCash Mobile Wallet
Minutes
Instant transfer to JazzCash mobile wallet — Pakistan's largest mobile money platform with 40M+ users. Recipient collects via their phone.
RemitlyACE Money TransferWestern Union
Easypaisa Mobile Wallet
Minutes
Transfer to Easypaisa wallet by Telenor Microfinance Bank. Widely used in urban and semi-urban Pakistan.
RemitlyACE Money TransferWorldRemit
Cash Pickup
Minutes
Recipient collects cash in person from agent locations across Pakistan — thousands of pickup points in all major and many smaller cities.
Western UnionMoneyGramRia Money TransferACE Money Transfer
Home Delivery
Same day to 2 days
Cash delivered to the recipient's doorstep in select Pakistani cities including Karachi, Lahore, and Islamabad.
ACE Money Transfer
What are the transfer limits and regulations for Pakistan?
Important rules and requirements to know before sending money to Pakistan.
Regulatory body
State Bank of Pakistan (SBP)
Inbound transfer limits
No cap on incoming remittances — Pakistan actively encourages inbound transfers through the Pakistan Remittance Initiative (PRI)
Documentation you may need
- Government-issued photo ID (passport, driver's license, or state ID)
- Social Security Number (for US senders) or equivalent tax ID
- Proof of address may be required for first-time transfers
- Source of funds documentation for transfers over $3,000 with some providers
Important things to know
- All inbound remittances are converted to PKR at the official interbank rate set by SBP — but providers add varying margins on top.
- Pakistan offers tax incentives for remittance recipients under the government's Roshan Digital Account program.
- Transfers over $10,000 (or equivalent) must be reported under US Bank Secrecy Act / UK Money Laundering Regulations.
- Cash pickup limits may apply depending on the provider and location — typically PKR 500,000 per transaction.
How long does it take to send money to Pakistan?
Most transfers from New Zealand to Pakistan arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Pakistan for a small premium.
Standard delivery
- Regency FXSame day to 2 business days
Popular banks in Pakistan
These are the most commonly used banks for receiving international transfers in Pakistan.
BankSWIFT/BICNotes
Habib Bank Limited (HBL)
HABORPKAXXX
United Bank Limited (UBL)
UNABORPKXXX
MCB Bank
MCABORPKXXX
Allied Bank Limited (ABL)
ABPAPKKAXXX
Bank Alfalah
ALFHPKKAXXX
Meezan Bank
MEABORPKXXX
National Bank of Pakistan (NBP)
NBPAPKKAXXX
Standard Chartered Pakistan
SCBLPKKXXXX
Common questions about sending money from New Zealand to Pakistan
What is the cheapest way to send money from New Zealand to Pakistan?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from New Zealand to Pakistan?
Most specialist providers deliver to Pakistan within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send NZ$1,000 from New Zealand to Pakistan?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much PKR your recipient would receive from a NZ$1,000 transfer today.
Can I send money from New Zealand to Pakistan online?
Yes, all the providers we compare support online transfers from New Zealand to Pakistan. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Pakistan?
Money transfer services are almost always cheaper. Banks typically charge NZ$25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge NZ$0–10 with markups under 1%, saving you significantly on every transfer to Pakistan.
Everything about sending money to Pakistan
Recipient requirements, delivery methods, regulations, popular banks, and more.
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