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Send money from Saudi Arabia to Pakistan(SAR → PKR)
SAR
PKR|Updated recentlyMid-market 74.2752Cheapest todayof 3 providers
Wise
Rate 74.2307 · Fee free
You send
﷼3,000
Recipient gets
Rs222,692
Rs1,600 more than the most expensive provider · 0.06% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Saudi Arabia to Pakistan in May 2026 is Wise, which delivers 222,691.99 PKR on a 3,000 SAR transfer with a fee of zero. According to SendMoneyCompare's comparison of 3 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 1,649 PKR.
Last reviewed: by Awais Imran, Reviews Editor
↓
Rates are low right now
0th percentile
Based on 54 days of data (2026-03-28 to 2026-05-20)
Today's best
Rs7,423.4
Wise
54-day avg
1 SAR = 237.55 PKR
Best rate
267.44
2026-04-15 · Xoom (PayPal)
Worst rate
74.23
2026-05-19 · Wise
What is the cheapest way to send SAR to PKR?
Sending ﷼3,000 from Saudi Arabia to Pakistan. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 74.2307·Fee Free·0.06% markup
↓ 0.3% over 54dAvg: 74.38 PKR (-0.2% vs avg)Range: 74.23–74.47
1
WiseBest value
Instant to 2 days0.06% markup
↓ 0.3% over 54dAvg: 74.38 PKR (-0.2% vs avg)Range: 74.23–74.47
74.2307
Free
Rs222,691.99
Rate 69.4473·Fee Free·6.50% markup
Rate 73.6810·Fee Free·0.80% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient Rs1,648.91 on a ﷼3,000 transfer.
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
With over 2 million Pakistani workers in Saudi Arabia, the SAR to PKR corridor is one of the most vital remittance routes in the world. These transfers are a critical economic lifeline, supporting millions of families across Pakistan.
Pakistan receives over $8 billion annually from Saudi Arabia alone, making this the largest single bilateral remittance corridor for Pakistan. The Pakistani rupee's volatility means rates can change significantly day to day, making real-time comparison essential. Providers like ACE Money Transfer, TapTap Send, Wise, and Al Rajhi Bank all compete for this high-volume corridor. JazzCash and Easypaisa mobile wallets have revolutionised delivery, making it possible to receive money instantly without a bank account.
Which provider offers the best SAR to PKR rate?
Wise
4.3Exchange rate
74.2307
Fee
Free
Recipient gets
Rs222,691.99
Speed
Instant to 2 days
What matters on the Saudi Arabia to Pakistan corridor
Pakistan is one of the top recipients of Saudi remittances, with over 2.7 million Pakistani workers in the Kingdom. SAR to PKR is a high-volume corridor served by exchange houses, banks, and digital providers. PKR volatility makes real-time comparison especially important.
- Al Rajhi Bank and Lulu Exchange are widely used in Saudi Arabia for Pakistan remittances and offer competitive PKR rates. Digital providers like Wise and Remitly are increasingly competitive on this corridor.
- JazzCash and Easypaisa mobile wallet delivery is available from select Saudi providers and arrives within minutes. This is the preferred option for recipients without traditional bank accounts.
- PKR volatility means the best provider today may not be the best next week. Compare on the specific day you send and track rates if you plan regular transfers.
- SAMA (Saudi Central Bank) licenses and regulates all money transfer operators in Saudi Arabia. Only use SAMA-licensed providers — the Saudi Central Bank maintains a public register of licensed firms.
PKR rates change daily — never rely on yesterday's comparison
The Pakistani rupee has experienced significant volatility. On this corridor, the rate difference between providers can be 3–6% on any given day. Always compare live rates immediately before sending — a comparison done this morning may already be stale by the afternoon.
For recurring transfers, it is worth checking live quotes each time rather than relying on one provider by habit. Competition on this corridor is strong enough that rankings can shift meaningfully with market moves.
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 Saudi Arabia to Pakistan route.
Cheapest transfer
Wise
Delivers the most PKR for your money
Fastest transfer
Wise
Delivers in Instant to 2 days
Bank transfer
Wise
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 SAR 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: SAR to PKR
See how much your recipient would get for common transfer amounts.
Send ﷼500
ProviderFeeReceives
Wise
74.23 · Instant to 2 days
OFX
69.45 · 2 days
Regency FX
73.68 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WiseFree74.23Rs37,115Instant to 2 days
OFXFree69.45Rs34,7242 days
Regency FXFree73.68Rs36,841Same day to 2 business days
Send ﷼1,000
ProviderFeeReceives
Wise
74.23 · Instant to 2 days
OFX
69.45 · 2 days
Regency FX
73.68 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WiseFree74.23Rs74,231Instant to 2 days
OFXFree69.45Rs69,4472 days
Regency FXFree73.68Rs73,681Same day to 2 business days
Send ﷼5,000
ProviderFeeReceives
Wise
74.23 · Instant to 2 days
OFX
69.45 · 2 days
Regency FX
73.68 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WiseFree74.23Rs371,153Instant to 2 days
OFXFree69.45Rs347,2372 days
Regency FXFree73.68Rs368,405Same day to 2 business days
How much does it cost to send money from Saudi Arabia to Pakistan?
Fees range from SAR 0 (TapTap Send, ACE Money Transfer promotions) to SAR 15–25 for exchange house and bank transfers. The exchange rate markup is the main cost — even a 0.5% difference on SAR 3,000 means PKR 3,500+ less for your recipient.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically ﷼0–﷼10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (74.2752).
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
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
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?
JazzCash and Easypaisa transfers arrive within minutes. Bank deposits take 1–2 business days. Cash pickup through Western Union, MoneyGram, and local bank branches is available same-day across Pakistan.
FastExpress delivery
- WiseInstant to 2 days
Standard delivery
- OFX2 days
- 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
SAR to PKR Exchange Rate History
Daily best exchange rates from top providers over the last 54 days. Rates shown are for sending $100.
| Date | Wise | __mid Market__ | Xoom (PayPal) |
|---|---|---|---|
| Trend | |||
| May 20 | 74.2340✓ | 74.2340✓ | — |
| May 19 | 74.2280✓ | 74.2280✓ | — |
| May 18 | 74.2443✓ | 74.2443✓ | — |
| May 17 | 74.2453✓ | 74.2453✓ | — |
| May 16 | 74.2453✓ | 74.2453✓ | — |
| May 15 | 74.2453✓ | 74.2453✓ | — |
| May 14 | 74.2453 | 74.2453 | 265.8699✓ |
| May 13 | 74.2698 | 74.2698 | 265.6943✓ |
| May 12 | 74.2777 | 74.2777 | 265.6355✓ |
| May 11 | 74.2846 | 74.2846 | 265.5831✓ |
| May 10 | 74.2836 | 74.2836 | 265.5840✓ |
| May 9 | 74.2836 | 74.2836 | 265.5840✓ |
| May 8 | 74.2955 | 74.2955 | 265.5363✓ |
| May 7 | 74.3091 | 74.3091 | 265.7508✓ |
| May 6 | 74.2873 | 74.2873 | 265.7508✓ |
| May 5 | 74.3209 | 74.3209 | 265.7508✓ |
| May 4 | 74.3259 | 74.3259 | 265.7508✓ |
| May 3 | 74.3269 | 74.3269 | 265.7508✓ |
| May 2 | 74.3269 | 74.3269 | 265.7508✓ |
| May 1 | 74.3269 | 74.3269 | 265.7412✓ |
| Apr 30 | 74.3269 | 74.3269 | 265.7508✓ |
| Apr 29 | 74.4696 | 74.4696 | 265.7410✓ |
| Apr 28 | 74.4696 | 74.4696 | 265.8419✓ |
| Apr 27 | 74.4676 | 74.4676 | 265.8699✓ |
| Apr 26 | 74.4676 | 74.4676 | 265.8699✓ |
| Apr 25 | 74.4676 | 74.4676 | 265.8699✓ |
| Apr 24 | 74.4676 | 74.4676 | 265.8699✓ |
| Apr 23 | 74.4725 | 74.4725 | 266.0560✓ |
| Apr 22 | 74.4735 | 74.4735 | 265.9970✓ |
| Apr 21 | 74.4656 | 74.4656 | 265.9685✓ |
| Apr 20 | 74.4596 | 74.4596 | 266.4127✓ |
| Apr 19 | 74.4596 | 74.4596 | 266.0497✓ |
| Apr 18 | 74.4596 | 74.4596 | 266.0289✓ |
| Apr 17 | 74.4567 | 74.4567 | 266.0514✓ |
| Apr 16 | 74.4487 | 74.4487 | 265.9599✓ |
| Apr 15 | 74.4378 | 74.4378 | 267.4436✓ |
| Apr 14 | 74.4259 | 74.4259 | 266.1306✓ |
| Apr 13 | 74.4289 | 74.4289 | 266.0322✓ |
| Apr 12 | 74.4319 | 74.4319 | 266.0322✓ |
| Apr 11 | 74.4319 | 74.4319 | 265.9906✓ |
| Apr 10 | 74.4279 | 74.4279 | 265.9746✓ |
| Apr 9 | 74.4299 | 74.4299 | 265.9753✓ |
| Apr 8 | 74.3823 | 74.3823 | 265.9471✓ |
| Apr 7 | 74.3882 | 74.3882 | 265.9608✓ |
| Apr 6 | 74.3892 | 74.3892 | 265.9517✓ |
| Apr 5 | 74.3882 | 74.3882 | 266.0246✓ |
| Apr 4 | 74.3882 | 74.3882 | 265.9929✓ |
| Apr 3 | 74.3882 | 74.3882 | 266.1244✓ |
| Apr 2 | 74.4091 | 74.4091 | 266.0140✓ |
| Apr 1 | 74.4219 | 74.4219 | 266.1703✓ |
| Mar 31 | 74.4319 | 74.4319 | 266.1348✓ |
| Mar 30 | 74.4299 | 74.4299 | 266.1889✓ |
| Mar 29 | 74.4487✓ | 74.4487✓ | — |
| Mar 28 | 74.4378✓ | 74.4378✓ | — |
Common questions about sending money from Saudi Arabia to Pakistan
What is the cheapest way to send money from Saudi Arabia to Pakistan?
TapTap Send and ACE Money Transfer frequently offer the best value. TapTap Send charges zero fees. ACE Money Transfer runs regular promotions for this corridor. Always compare the total PKR received after all fees and exchange rate markups.
How long does it take to send money from KSA to Pakistan?
JazzCash and Easypaisa transfers arrive in minutes. Bank deposits take 1–2 business days. Cash pickup is available same-day through thousands of agent locations across Pakistan.
Can I send money to JazzCash from Saudi Arabia?
Yes, ACE Money Transfer, Remitly, and Western Union support JazzCash delivery from Saudi Arabia. This is the fastest and most convenient option for recipients without a bank account.
Is it cheaper to use Al Rajhi Bank or an online provider?
Online providers like Wise and TapTap Send typically offer better exchange rates than Al Rajhi Bank, saving you SAR 30–60 on a SAR 3,000 transfer. Al Rajhi is convenient for in-branch sends but costs more overall.
Do I need an Iqama to send money from Saudi Arabia?
Yes, most providers require a valid Iqama (residence permit) to send money from Saudi Arabia. Some providers also require a salary certificate. Digital providers may accept passport verification for smaller amounts.
Everything about sending money to Pakistan
Recipient requirements, delivery methods, regulations, popular banks, and more.
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