How To Send Money To Pakistan?

International money transfers play a crucial role in supporting families, enabling freelance payments, and facilitating business transactions. Whether you are sending money to loved ones, receiving earnings as a freelancer, or making business payments, selecting a secure and cost-effective method is essential. Here, we explore the best ways to send money to Pakistan in 2025, ensuring fast, reliable, and affordable transactions.

2. Best Ways to Send Money to Pakistan

A. Bank Transfers (Traditional & Online Banking)

Bank transfers remain one of the most secure ways to send money. Several major Pakistani banks support international remittances, including:

• HBL (Habib Bank Limited)
• UBL (United Bank Limited)
• MCB (Muslim Commercial Bank)
• Standard Chartered
• Meezan Bank

Key transfer methods:

• SWIFT Transfers: International wire transfers enable direct bank deposits but may take a few business days.
• Western Union to Bank Transfer: This service allows sending money internationally directly to a recipient’s bank account in Pakistan.

B. Payoneer (Best for Freelancers & Business Payments)

Freelancers and business professionals benefit from Payoneer due to its seamless global payment system:

• Payoneer Global Payment Service: Supports receiving USD, EUR, GBP, and other currencies.
• Withdrawals: Funds can be transferred from Payoneer to Pakistani bank accounts or digital wallets like JazzCash.

C. Wise (Formerly TransferWise) – Low-Cost International Transfers

Wise is known for transparent fees and better exchange rates compared to banks. Steps to send money:

1. Sign up and enter the recipient’s bank details.
2. Fund the transfer using a bank account, debit, or credit card.
3. Wise processes the transaction at mid-market exchange rates with minimal fees.

D. Western Union & MoneyGram (Cash Pickup & Bank Deposit)

For recipients without a bank account, Western Union and MoneyGram offer fast cash pickup services:

• Money can be sent online or from an agent location.
• The recipient can collect cash from thousands of Western Union agents across Pakistan.
• Some transfers allow direct bank deposits.

E. Remitly & Xoom (Fast Online Transfers)

For instant transfers, Remitly and Xoom are excellent options:

• Instant bank deposits to HBL, UBL, Meezan, and other major banks.
• Mobile wallet transfers to JazzCash and Easypaisa.
• Cash pickup options for recipients without a bank account.

3. Step-by-Step Guide: How to Send Money to Pakistan

1. Choose a transfer service (Bank, Payoneer, Wise, Western Union, etc.).
2. Enter recipient details (Bank account, mobile wallet, or cash pickup location).
3. Complete identity verification (required for security and compliance).
4. Send the money & track the transaction using the service’s tracking tools.

4. Fees & Exchange Rates Comparison (2025)

Each transfer service has different fees and exchange rates:

• Bank transfers: Higher fees and longer processing times.
• Payoneer & Wise: Lower fees with competitive exchange rates.
• Western Union & MoneyGram: Higher costs for instant cash pickup.
• Remitly & Xoom: Affordable online transfers with fast processing.

FAQs About Sending Money to Pakistan

• What is the cheapest way to send money to Pakistan?
  • Wise and Payoneer offer the lowest fees.
• How long do international money transfers take?
  • Bank transfers take 1-5 business days, while digital wallets and cash pickups are almost instant.

• Are there any transfer limits?

  • Limits vary by provider; most services allow higher transfers with verified accounts.