Send money to Pakistan

Wise, Remitly, and Western Union Digital are consistently the most cost-effective providers for USD-to-PKR transfers. The exchange rate markup is the largest cost driver — look at the total PKR received rather than the stated fee. On a $1,000 transfer, the difference between the best and worst providers can exceed Rs. 5,000.

Remitly and WorldRemit both support direct JazzCash wallet transfers from the US, UK, and several other countries. You need the recipient's JazzCash or Easypaisa registered mobile number (03XX-XXXXXXX format). Delivery is typically within minutes. The recipient receives an SMS notification and can immediately withdraw cash at any agent or use funds for purchases.

You need the recipient's full name (exactly as on their CNIC), IBAN (24-character PK format), and bank name. Pakistani IBANs always start with 'PK' followed by 2 check digits and a 20-digit BBAN. You can usually find the IBAN in the bank's mobile app or on a bank statement.

There is no limit on inbound remittances to Pakistan from a regulatory standpoint. The SBP actively encourages inflows. Individual provider limits apply — Wise allows up to $1 million per transfer, while most others allow $50,000–$100,000 per transaction with full KYC. For large amounts, documentary evidence of the source of funds may be requested.

The Roshan Digital Account (RDA) is a special account offered by Pakistani banks to non-resident Pakistanis and Pakistani origin card holders. It allows remote account opening, PKR or USD savings, investment in Naya Pakistan Certificates (high-yield government bonds), and free repatriation of profits. Banks offering RDA include HBL, Meezan, UBL, MCB, and Bank Alfalah.

SWIFT transfers to Pakistani banks typically arrive within 1–2 business days. Providers that use RAAST (Pakistan's instant payment system) or direct mobile wallet delivery can settle in minutes. Remitly's Express option delivers to JazzCash within 1 hour. Wise typically delivers to Pakistani bank accounts within 1 business day.

Yes — all providers listed on our platform are regulated by financial authorities such as the FCA (UK), FinCEN (US), or equivalent bodies. Pakistan's SBP works with international regulators to ensure compliant remittance channels. Always use official provider websites or apps and never send money through unofficial hawala networks, which may be illegal in your country of residence.

No. All personal remittances received in Pakistan are 100% exempt from income tax under Section 111(4) of the Income Tax Ordinance, 2001. The recipient does not need to declare remittance income in their tax return. This exemption applies regardless of amount and the source country.