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Send money from UAE to Pakistan(AED → PKR)
AED
PKR|Updated recentlyMid-market 75.8426Cheapest todayof 6 providers
TapTap Send
Rate 76.5025 · Fee free
You send
د.إ3,000
Recipient gets
Rs229,507
Rs3,800 more than the most expensive provider
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from UAE to Pakistan in May 2026 is TapTap Send, which delivers 229,507.42 PKR on a 3,000 AED transfer with a fee of zero. According to SendMoneyCompare's comparison of 6 providers updated every 6 hours, the difference between the cheapest and most expensive provider on this corridor is 3,800 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
Rs7,584.49
Wise
54-day avg
1 AED = 237.85 PKR
Best rate
267.44
2026-04-15 · Xoom (PayPal)
Worst rate
75.84
2026-05-20 · Wise
What is the cheapest way to send AED to PKR?
Sending د.إ3,000 from UAE to Pakistan. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient gets
Rate 76.5025·Fee Free
→ 0.0% over 54dAvg: 76.57 PKR (-0.1% vs avg)Range: 76.30–77.00
1
TapTap SendBest value
Under 3 minutes (95% of transfers)
→ 0.0% over 54dAvg: 76.57 PKR (-0.1% vs avg)Range: 76.30–77.00
76.5025
Free
Rs229,507.42
Rate 75.8426·Fee Free·0.00% markup
↓ 0.3% over 54dAvg: 75.98 PKR (-0.2% vs avg)Range: 75.84–76.06
2
75.8426
Free
Rs227,527.93
Rate 70.8446·Fee Free·6.59% markup
Rate 76.0474·Fee د.إ210.00
↓ 1.1% over 54dAvg: 76.80 PKR (-1.0% vs avg)Range: 76.05–76.89
4
76.0474
د.إ210.00
Rs212,172.29
Rate 74.8567·Fee د.إ270.00·1.30% markup
Rate up 1.1%
↑ 1.1% over 54dAvg: 74.17 PKR (+1.1% vs avg)Range: 74.11–74.95
5
74.8567
د.إ270.00
Rs204,358.76
Rate 75.2359·Fee Free·0.80% markup
Potential savings: Choosing the best provider over the most expensive saves your recipient Rs3,799.72 on a د.إ3,000 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
Over 1.5 million Pakistani workers live and work in the UAE, making it one of the most important remittance corridors for Pakistan. The AED to PKR route is well-served by both global providers and regional exchange houses.
The Pakistani rupee has experienced significant volatility in recent years, making it especially important to compare providers at the time of sending. Exchange rate spreads can vary dramatically between providers — even a 1% difference on AED 3,000 translates to PKR 5,000–7,000 less for your recipient. Providers like Wise, ACE Money Transfer, TapTap Send, and Al Ansari Exchange compete aggressively on this corridor, and many offer JazzCash and Easypaisa wallet delivery for near-instant transfers.
Which provider offers the best AED to PKR rate?
TapTap Send
4.7Exchange rate
76.5025
Fee
Free
Recipient gets
Rs229,507.42
Speed
Under 3 minutes (95% of transfers)
What matters on the UAE to Pakistan corridor
The UAE hosts over 1.6 million Pakistani expats, making AED to PKR one of the busiest remittance corridors from the Middle East. Exchange houses (hawalas) remain popular but regulated digital providers now match or beat their rates while offering full legal protection and better delivery options.
- JazzCash and Easypaisa mobile wallet delivery is available from multiple UAE providers and arrives within minutes. These wallets are used by over 100 million Pakistanis combined and offer nationwide cash-out points.
- ACE Money Transfer and Al Ansari Exchange both specialise in UAE-Pakistan remittances and often offer the best AED to PKR rates. Combine them with Wise and Remitly in your comparison.
- PKR has been volatile — tracking the rate over 2–3 days before a large transfer can capture better exchange rates. Some providers offer rate lock features on this corridor.
- Exchange houses like Al Rostamani and UAE Exchange are widely used in the UAE and have competitive PKR rates, but digital providers now often match or beat them while also offering faster delivery and better tracking.
Compare digital providers against exchange houses
UAE exchange houses are convenient but not always the cheapest option anymore. Digital providers have become very competitive on AED to PKR. Always compare at least one exchange house rate alongside digital specialists before deciding — the 5-minute comparison often reveals AED 20–50 in savings per transfer.
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 UAE to Pakistan route.
Cheapest transfer
TapTap Send
Delivers the most PKR for your money
Fastest transfer
TapTap Send
Delivers in Under 3 minutes (95% of transfers)
Cash pickup
Remitly
Widest cash pickup network
Bank transfer
TapTap Send
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 AED 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: AED to PKR
See how much your recipient would get for common transfer amounts.
Send د.إ500
ProviderFeeReceives
Wise
75.84 · Instant to 2 days
TapTap Send
76.50 · Under 3 minutes (95% of transfers)
Remitly
76.05 · Minutes to 3-5 days
Paysend
74.86 · 2 days
OFX
70.84 · 3 days
Regency FX
75.24 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
WiseFree75.84Rs37,921Instant to 2 days
TapTap Sendد.إ6.0076.50Rs37,792Under 3 minutes (95% of transfers)
Remitlyد.إ7.0076.05Rs37,491Minutes to 3-5 days
Paysendد.إ9.0074.86Rs36,7552 days
OFXFree70.84Rs35,4223 days
Regency FXFree75.24Rs37,618Same day to 2 business days
Send د.إ1,000
ProviderFeeReceives
TapTap Send
76.50 · Under 3 minutes (95% of transfers)
Remitly
76.05 · Minutes to 3-5 days
Wise
75.84 · Instant to 2 days
Paysend
74.83 · 2 days
OFX
70.84 · 3 days
Regency FX
75.24 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
TapTap SendFree76.50Rs76,502Under 3 minutes (95% of transfers)
RemitlyFree76.05Rs76,047Minutes to 3-5 days
WiseFree75.84Rs75,843Instant to 2 days
Paysendد.إ9.0074.83Rs74,1602 days
OFXFree70.84Rs70,8453 days
Regency FXFree75.24Rs75,236Same day to 2 business days
Send د.إ5,000
ProviderFeeReceives
TapTap Send
76.50 · Under 3 minutes (95% of transfers)
Remitly
76.05 · Minutes to 3-5 days
Wise
75.84 · Instant to 2 days
Paysend
74.86 · 2 days
OFX
70.84 · 3 days
Regency FX
75.24 · Same day to 2 business days
ProviderFeeRateReceivesSpeed
TapTap SendFree76.50Rs382,512Under 3 minutes (95% of transfers)
Remitlyد.إ7.0076.05Rs379,705Minutes to 3-5 days
WiseFree75.84Rs379,213Instant to 2 days
Paysendد.إ9.0074.86Rs373,6102 days
OFXFree70.84Rs354,2233 days
Regency FXFree75.24Rs376,180Same day to 2 business days
How much does it cost to send money from UAE to Pakistan?
Fees range from AED 0 (TapTap Send, Wise for bank transfers) to AED 10–15 for exchange houses. ACE Money Transfer often runs zero-fee promotions. The exchange rate markup is the primary cost driver — always compare the total PKR your recipient receives after all costs.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically د.إ0–د.إ10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (75.8426).
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.
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Google Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
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?
Mobile wallet transfers via JazzCash and Easypaisa arrive within minutes. Bank deposits take 1–2 business days. Cash pickup through Western Union, MoneyGram, and local bank partners is typically available same-day.
FastExpress delivery
- TapTap SendUnder 3 minutes (95% of transfers)
- WiseInstant to 2 days
- RemitlyMinutes to 3-5 days
Standard delivery
- OFX3 days
- Paysend2 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
AED to PKR Exchange Rate History
Daily best exchange rates from top providers over the last 54 days. Rates shown are for sending $100.
| Date | Paysend | Remitly | TapTap Send | Wise | __mid Market__ |
|---|---|---|---|---|---|
| Trend | |||||
| May 20 | 74.9500 | 76.0500 | 76.5000✓ | 75.8449 | 76.0500 |
| May 19 | 74.9419 | 76.0500 | 76.3000✓ | 75.8480 | 76.0500 |
| May 18 | 74.9480 | 76.0500 | 76.5500✓ | 75.8585 | 76.0500 |
| May 17 | 74.2575 | 76.0500 | 76.4000✓ | 75.8543 | 76.0500 |
| May 16 | 74.2605 | 76.0700 | 76.4000✓ | 75.8543 | 76.0700 |
| May 15 | 74.2948 | 76.1000 | 76.5000✓ | 75.8626 | 76.1000 |
| May 14 | 74.2948 | 76.7300 | 77.0000✓ | 75.8533 | 76.7300 |
| May 13 | 74.1096 | 76.8900✓ | 76.6500 | 75.8764 | 76.8900✓ |
| May 12 | 74.1096 | 76.8900✓ | 76.6500 | 75.8702 | 76.8900✓ |
| May 11 | 74.1096 | 76.8900✓ | 76.6500 | 75.8764 | 76.8900✓ |
| May 10 | 74.1096 | 76.8900✓ | 76.6500 | 75.8692 | 76.8900✓ |
| May 9 | 74.1096 | 76.8900✓ | 76.6500 | 75.8692 | 76.8900✓ |
| May 8 | 74.1096 | 76.8900✓ | 76.6500 | 75.8764 | 76.8900✓ |
| May 7 | 74.1096 | 76.8900✓ | 76.6500 | 75.8993 | 76.8900✓ |
| May 6 | 74.1096 | 76.8900✓ | 76.6500 | 75.9003 | 76.8900✓ |
| May 5 | 74.1096 | 76.8900✓ | 76.6500 | 75.9024 | 76.8900✓ |
| May 4 | 74.1096 | 76.8900✓ | 76.4000 | 75.9024 | 76.8900✓ |
| May 3 | 74.1096 | 76.8900✓ | 76.6000 | 75.8921 | 76.8900✓ |
| May 2 | 74.1096 | 76.8900✓ | 76.6000 | 75.8921 | 76.8900✓ |
| May 1 | 74.1096 | 76.8900✓ | 76.6000 | 75.8931 | 76.8900✓ |
| Apr 30 | 74.1096 | 76.8900✓ | 76.6000 | 75.9014 | 76.8900✓ |
| Apr 29 | 74.1096 | 76.8900✓ | 76.6000 | 76.0429 | 76.8900✓ |
| Apr 28 | 74.1096 | 76.8900✓ | 76.6000 | 76.0532 | 76.8900✓ |
| Apr 27 | 74.1096 | 76.8900✓ | 76.5500 | 76.0418 | 76.8900✓ |
| Apr 26 | 74.1096 | 76.8900✓ | 76.5500 | 76.0418 | 76.8900✓ |
| Apr 25 | 74.1096 | 76.8900✓ | 76.5500 | 76.0418 | 76.8900✓ |
| Apr 24 | 74.1096 | 76.8900✓ | 76.5500 | 76.0532 | 76.8900✓ |
| Apr 23 | 74.1096 | 76.8900✓ | 76.5500 | 76.0418 | 76.8900✓ |
| Apr 22 | 74.1096 | 76.8900✓ | 76.5500 | 76.0418 | 76.8900✓ |
| Apr 21 | 74.1096 | 76.8900✓ | 76.5500 | 76.0429 | 76.8900✓ |
| Apr 20 | 74.1096 | 76.8900✓ | 76.5500 | 76.0429 | 76.8900✓ |
| Apr 19 | 74.1096 | 76.8900✓ | 76.5500 | 76.0429 | 76.8900✓ |
| Apr 18 | 74.1096 | 76.8900✓ | 76.5500 | 76.0429 | 76.8900✓ |
| Apr 17 | 74.1096 | 76.8900✓ | 76.5500 | 76.0491 | 76.8900✓ |
| Apr 16 | 74.1096 | 76.8900✓ | 76.5500 | 76.0429 | 76.8900✓ |
| Apr 15 | 74.1096 | 76.8900✓ | 76.6000 | 76.0553 | 76.8900✓ |
| Apr 14 | 74.1096 | 76.8900✓ | 76.8000 | 76.0532 | 76.8900✓ |
| Apr 13 | 74.1096 | 76.8900✓ | 76.8000 | 76.0553 | 76.8900✓ |
| Apr 12 | 74.1096 | 76.8900✓ | 76.5000 | 76.0408 | 76.8900✓ |
| Apr 11 | 74.1096 | 76.8900✓ | 76.5000 | 76.0408 | 76.8900✓ |
| Apr 10 | 74.1096 | 76.8900✓ | 76.5000 | 76.0429 | 76.8900✓ |
| Apr 9 | 74.1096 | 76.8900✓ | 76.5000 | 76.0553 | 76.8900✓ |
| Apr 8 | 74.1096 | 76.8900✓ | 76.5000 | 76.0573 | 76.8900✓ |
| Apr 7 | 74.1096 | 76.8900✓ | 76.5000 | 76.0397 | 76.8900✓ |
| Apr 6 | 74.1096 | 76.8900✓ | 76.5000 | 76.0418 | 76.8900✓ |
| Apr 5 | 74.1096 | 76.8900✓ | 76.5000 | 76.0397 | 76.8900✓ |
| Apr 4 | 74.1096 | 76.8900✓ | 76.5000 | 76.0397 | 76.8900✓ |
| Apr 3 | 74.1096 | 76.8900✓ | 76.5000 | 76.0408 | 76.8900✓ |
| Apr 2 | 74.1096 | 76.8900✓ | 76.7500 | 76.0408 | 76.8900✓ |
| Apr 1 | 74.1096 | 76.8900✓ | 76.7500 | 76.0397 | 76.8900✓ |
| Mar 31 | 74.1096 | 76.8900✓ | 76.5000 | 76.0377 | 76.8900✓ |
| Mar 30 | 74.1096 | 76.8900✓ | 76.7000 | 76.0397 | 76.8900✓ |
| Mar 29 | 74.1096 | 76.8900✓ | 76.5000 | 76.0553 | 76.8900✓ |
| Mar 28 | 74.1096 | 76.8900✓ | 76.5000 | 76.0397 | 76.8900✓ |
Common questions about sending money from UAE to Pakistan
What is the cheapest way to send money from UAE to Pakistan?
TapTap Send, Wise, and ACE Money Transfer consistently offer the best total value. TapTap Send charges zero fees with competitive rates. Wise uses the mid-market rate with a transparent fee. Always compare on the day you send — rates change frequently due to PKR volatility.
How long does it take to send money from UAE to Pakistan?
JazzCash and Easypaisa transfers arrive in minutes. Bank deposits take 1–2 business days. Cash pickup through Western Union and MoneyGram is available within minutes at thousands of agent locations across Pakistan.
Can I send money to JazzCash or Easypaisa from the UAE?
Yes, Remitly, ACE Money Transfer, and Western Union all support JazzCash and Easypaisa mobile wallet delivery from the UAE. This is the fastest way to get money to Pakistan.
Why does the AED to PKR rate change so much?
The Pakistani rupee has been volatile due to macroeconomic factors including inflation, central bank policy changes, and IMF programme conditions. This makes it critical to compare rates at the time of transfer rather than relying on advertised rates.
Are there limits on sending money from UAE to Pakistan?
Most providers allow up to AED 35,000–50,000 per transaction. UAE Central Bank requires identity verification for transfers over AED 3,500. Pakistan encourages formal remittance channels through its Pakistan Remittance Initiative (PRI).
Everything about sending money to Pakistan
Recipient requirements, delivery methods, regulations, popular banks, and more.
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