What are the Best Options to Send Money to Pakistan?

Time Doctor - Send Money to Pakistan

Do you have to send money to Pakistan? Wondering about the available services and how much they’re going to cost you?

Even if you’re not aware, there are numerous great possibilities to choose among. PayPal is a convenient way for many countries but using the online payment system to receive money in Pakistan is not the best approach.

What transfer methods do we use at Time Doctor?

We have a remote team with people in 19 different countries around the world. The two transfer methods we use the most are:

  • Payoneer – very convenient for sending and receiving. They are also one of the few methods that works to receive money in almost every country and the receiver can get their money on a debit card and withdraw from an ATM. They also have an option for direct transfer to the receiver’s bank account. They also have a $50 bonus if you receive more than $100 through this method.
  • TransferWise – is a new kind of financial company that you can use to transfer money internationally at a very low cost. Their system is based on local bank account transfers, which makes transfers abroad cheaper than what banks or other providers charge. They charge a small upfront fee between 0.5% and 2% for transactions, depending on the route.

The following tables present alternative methods to send money to Pakistan, including how much every single service is going to cost you. The tables list upfront and hidden fees, making it a lot easier for you to choose.

Table 1 – Sending $1000 from the US to Pakistan
Transfer MethodStated fees to send $1000 USD Hidden currency conversion costTotal costTime for the transfer to arrive
OFX (previously USForex)*$0$7.5$7.51-2 days
Ria Money Transfer (slow)$5$4$93-5 days
TransferWise$10$0$101-2 days
Ria Money Transfer (fast)$15$4$19minutes
Xoom$5$16$21minutes
Pakremit$0$23$233-5 days
Western Union (slow)$0$24$243-5 days
Moneygram$13$15$28minutes
Payoneer$3$28$313-5 days
XE Trade$0$32$323-5 days
Wire transfer$25 – 45$10 – 40$35 – 853-5 days
Western Union (fast)$20$24$44minutes
Skrill$14$50$643-5 days
Travelex$0$100$100minutes

Notes regarding this table:

  • The stated fees vary for each transfer method
  • The hidden currency conversion fee is based on our calculation against inter-bank rates. Since that fee is not usually declared and may vary, it’s hard to calculate them with 100% accuracy. If you’re not sure what we mean by the “hidden currency conversion cost”, please refer to our explanation in this article.
  • The Western Union fees above are for their public website/service. Western Union also has a corporate transfer service with different rates for companies that have a large volume of transactions.
  • The fees for Western Union and other transfer methods are based on the lowest cost method for transferring your funds to Western Union, which means bank transfer (not paying via credit card).
  • Any fees that are zero may simply be introductory fees which will increase the second or third time you use the service.
  • The fees for wire transfers are estimates and vary greatly from bank to bank.
  • If you send more than $1000 through Xoom then there will be zero fees, so it means Xoom will charge only hidden fees.
  • Minimum transfer of $500 for OFX (previously USForex).
Table 2 – Sending money to Pakistan from various countries.
Comparing percentage fees to send $1000 in local currency equivalent
Transfer MethodFrom the USFrom the UKFrom CanadaFrom Western EuropeFrom Australia
TransferWise1%1%1.2%1%1%
OFX (previously USForex), UKForex, CanadianForex, OFX (previously OzForex)0.75%0.75%0.75%0.75%0.75%
Western Union2.4%0.9%0.8%0.9%1.2%
Moneygram2.8%4.3%2.5%5.3%3.9%
Wire Transfer2 – 4%2 – 5%2 – 5%2 – 5%3 – 6%
Skrill6.4%6.4%6.4%6.4%6.4%
Xend PayNot available0.5%Not availableNot availableNot available
Ria Money Transfer0.9%Not availableNot availableNot availableNot available
Pakremit2.3%Not availableNot availableNot availableNot available
Xoom2.1%Not availableNot availableNot availableNot available
Payoneer3.1%Not availableNot availableNot availableNot available
XE Trade3.2%3.2%2.5%3.1%3.3%
Travelex10%Not availableNot availableNot availableNot available
AzimoNot available0.3%Not available0.4%Not available

Notes regarding this table:

  • The percentages above include both the company’s stated fees and our calculated hidden conversion cost.
  • Rates for Azimo are based on checking prices on their website. They state that the fee for a transfer is 1 pound and their currency rates are very good, close to inter-bank rates. I’m not sure how they can deliver the transfer at such a cheap rate, or if there are other fees not declared on the website.
  • OFX (previously OzForex) is a good option for sending larger amounts of money and their exchange rate fee goes down for larger amounts.
  • Minimum transfer of $500/£500 for OFX/CanadianForex/UKForex.

Other options for sending money:

  • WorldRemit – Has an option to send small amounts of money to load the recipient’s mobile phone account in Pakistan.
  • Xpress Money – Offers a service that transfers money from several countries to Pakistan but their fee calculator was not working, so I did not include them in the tables above.

Other articles that might interest you:

Transferring Money with TransferWise
What’s the Cheapest Way to Send Money to India?
What is the Cheapest Way to Send Money to Indonesia?
Compare Hidden Exchange Fees When Sending Money to Bangladesh

Leave a reply

  1. if the people you’re sending the money to in pakistan have a bank account, eg with National Bank of Pakistan or Metropolitan Bank Pakitan, etc, you can deposit the money from a bank in the US/Canada. You just need the bank and address details of the people you’re sending it to. It’s much much cheaper than Western Union too.

  2. Hi Rob,
    I am looking to transfer money from India to a friend in Lahore, Pakistan. The article here discusses transfer rates from various parts of the world to Pakistan, but none at all from India to Pakistan. I’m a little lost here and would really appreciate it if you could provide any information on the best possible way to transfer money from India to Pakistan without incurring high charges. It won’t be a sum higher than 50000 INR. Thanks in advance.

    1. Hi Aaradhya,

      The only services that allow direct transfer and conversion from INR to PKR are Western Union and Moneygram through pickup from their agent locations.

      There might be other cheaper options that we have not researched yet also.

    1. Hi,

      The options listed in this article works both ways. Just a bit of research and you’ll find your answer. As an example, if you want to use Ria Money Transfer (1st option), checking this link https://www.riamoneytransfer.com/ria-locator will give you outlets available within your vicinity. For example, if you’re in Islamabad there are 109 outlets for Ria.

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  4. Hi, I recently sent money to Pakistan via Azimo to a bank account. Very smooth service and easy online ID verification. I have a special promotion code which you can use which will give you your first transfer FREE. This applies to new accounts only. So if you qualify use the promo code “moraja” and it should work. Hope you like it.

  5. Can you tell me more about RIA? I know that they are planning on doing free transactions during Ramadan and Eid. Is this for real?

  6. Rob,
    Have you seen the new service for Xoom.com? You should add it to your chart.
    $4.99 and instant deposits. $0 fee over $1000

    1. Thanks Rob, glad you’ve added them!
      However, I believe your fees are wrong. If you transfer over $1000, fees are $0. Just put $1001 in the calculator.
      Also, you mention 1 days deposits, however, whenever I said, I get notification the money is there instantly. The site advertises the same. So you should change it to deposits within minutes.

      Thanks

  7. The chepest and quickest way is Paypal debit card , or the payoneer DC.
    How much time doctor is charning?

    Thanks

    1. Is it possible to get a PayPal debit card in Pakistan? How does this work as I did not think it was possible to use PayPal in Pakistan?

      I think you’re right about these being the quickest methods but not necessarily about being the cheapest.

  8. hey Rob!!!!
    I have seen the article and have noticed that the ways you have stated above to transfer the money are more then enough and these are the only ways you can transfer funds in Pakistan.
    One thing i must say that there is also another way and medium to transfer money to Pakistan is PAYONEER account ….
    i dont know you have heard of it or not but its also safe way to transfer money to Pakistan.
    Regards
    Ali Malik

  9. what about withdrawing money from elance,odesk and freelancer.com , any idea how much they charge i.e hidden fee and stated fee for $1000 ?

    1. oDesk charges 10% and on top of the 10% are any other currency transfer fees. Freelancer.com the fees vary depending on the level but also it’s going to be usually 10% or more. If you use the local transfer method on oDesk they charge an additional $4.95 per transfer PLUS the hidden exchange fees, which I believe are at least 2.5%. So if you transfer $500 for example the total fee would be at least 13.5%

      So in any case if you use oDesk or Freelancer.com it’s going to cost a lot more.

      We actually have a lot of people using Time Doctor instead of oDesk for their team to save the 10%.

  • Rimjhim exchangerateiq.com

    On of the best way to send money to Pakistan is to compare money transfer services before sending money. https://exchangerateiq.com is an awesome place to checkout all money transfer services and find out who is offering the best exchange rate.
    UpVote Reply 0 Upvotes
  • Acunay https://acunay.com/

    TransferWise is very good option.
    UpVote Reply 0 Upvotes
  • wasim

    if the people you're sending the money to in pakistan have a bank account, eg with National Bank of Pakistan or Metropolitan Bank Pakitan, etc, you can deposit the money from a bank in the US/Canada. You just need the bank and address details of the people you're sending it to. It's much much cheaper than Western Union too.
    UpVote Reply 0 Upvotes
  • Aqazi

    USForex is now charging $5 for below 5000 dollar transaction.
    UpVote Reply 0 Upvotes
  • Sender

    Without a doubt Xoom is best Free above $1000 Instant Transfers Send convienentlt through your phone
    UpVote Reply 0 Upvotes
  • Umer Khan Umerkhan.org

    TransferWise is best option.
    UpVote Reply 0 Upvotes
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  • Dayyan

    Western Union has a quick service.
    UpVote Reply 0 Upvotes
  • Aaradhya Karthick

    Hi Rob, I am looking to transfer money from India to a friend in Lahore, Pakistan. The article here discusses transfer rates from various parts of the world to Pakistan, but none at all from India to Pakistan. I'm a little lost here and would really appreciate it if you could provide any information on the best possible way to transfer money from India to Pakistan without incurring high charges. It won't be a sum higher than 50000 INR. Thanks in advance.
    UpVote Reply 0 Upvotes
    • Carlo

      Hi Aaradhya,The only services that allow direct transfer and conversion from INR to PKR are Western Union and Moneygram through pickup from their agent locations.There might be other cheaper options that we have not researched yet also.
      UpVote Reply 0 Upvotes
  • Louis

    I personally like transferwise. They have always been the cheapest for me. I often send money to india and get my money check <a href="http://www.compareremit.com/" rel="nofollow">Compare remit </a> and Transferwise are always the cheapest. Now i needed to send money to pakistan again i used transferwise. They have <a href="https://transferwise.com/send-money/send-money-to-pakistan" rel="nofollow"> this page here with all the details for it.
    UpVote Reply 0 Upvotes
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  • aisha

    How can one send money from Pakistan to united state?
    UpVote Reply 0 Upvotes
    • Cloyd Waldo

      Hi,The options listed in this article works both ways. Just a bit of research and you'll find your answer. As an example, if you want to use Ria Money Transfer (1st option), checking this link https://www.riamoneytransfer.com/ria-locator will give you outlets available within your vicinity. For example, if you're in Islamabad there are 109 outlets for Ria.
      UpVote Reply 0 Upvotes
  • Good15

    Is Zoom.com reliable and trustworthy? I'd like to use their service but I am anxious.
    UpVote Reply 0 Upvotes
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    UpVote Reply 0 Upvotes
  • Mo www.azimo.com

    Hi, I recently sent money to Pakistan via Azimo to a bank account. Very smooth service and easy online ID verification. I have a special promotion code which you can use which will give you your first transfer FREE. This applies to new accounts only. So if you qualify use the promo code "moraja" and it should work. Hope you like it.
    UpVote Reply 0 Upvotes
  • Hasan Ali

    Can you tell me more about RIA? I know that they are planning on doing free transactions during Ramadan and Eid. Is this for real?
    UpVote Reply 0 Upvotes
  • Nasar

    Rob, Have you seen the new service for Xoom.com? You should add it to your chart. $4.99 and instant deposits. $0 fee over $1000
    UpVote Reply 0 Upvotes
    • Nasar

      Thanks Rob, glad you've added them! However, I believe your fees are wrong. If you transfer over $1000, fees are $0. Just put $1001 in the calculator. Also, you mention 1 days deposits, however, whenever I said, I get notification the money is there instantly. The site advertises the same. So you should change it to deposits within minutes.Thanks
      UpVote Reply 0 Upvotes
    • Rob Rawson www.timedoctor.com

      I'll take a look at adding this new info thanks
      UpVote Reply 0 Upvotes
  • Muddabir Aziz

    The chepest and quickest way is Paypal debit card , or the payoneer DC. How much time doctor is charning?Thanks
    UpVote Reply 0 Upvotes
    • Rob Rawson www.timedoctor.com

      Is it possible to get a PayPal debit card in Pakistan? How does this work as I did not think it was possible to use PayPal in Pakistan?I think you're right about these being the quickest methods but not necessarily about being the cheapest.
      UpVote Reply 0 Upvotes
  • Mobashir Hasan

    Nice article Rob, I prefer western union or money gram, it's fast and secure.
    UpVote Reply 0 Upvotes
  • sana amir

    I think through banks . It is safe n cheap
    UpVote Reply 0 Upvotes
  • Fouzia saeed

    hi I think payoneer is most facilitate option here in pakistan
    UpVote Reply 0 Upvotes
  • Umair Quraeshi

    Do check out UBL Tezraftaar service. Some of our clients (especially Australians and UAE) use it to transfer funds easily and in just minutes..without heavy transfer costs... http://www.ubldirect.com/Corporate/NRPServices/ubltezraftaar/tezraftaarhome.aspx
    UpVote Reply 0 Upvotes
  • Asad

    Great ..Any ways best way to send money is by hand of a relative or friend :-)
    UpVote Reply 0 Upvotes
    • Rob Rawson www.timedoctor.com

      If you can do it by hand it's a reasonable method but it costs a lot of money for the flight if you're flying from the US to Pakistan for example!
      UpVote Reply 0 Upvotes
  • Ahmad Ahsan

    Very good and informative article... Thank you
    UpVote Reply 0 Upvotes
  • Usman

    Very good and informative article. Thanks for doing in depth analysis.
    UpVote Reply 0 Upvotes
  • Haseeb Patel

    This is really appreciable, it will help lots of people to understand the best way to transfer money. Thanks,
    UpVote Reply 0 Upvotes
  • Ali

    hey Rob!!!! I have seen the article and have noticed that the ways you have stated above to transfer the money are more then enough and these are the only ways you can transfer funds in Pakistan. One thing i must say that there is also another way and medium to transfer money to Pakistan is PAYONEER account .... i dont know you have heard of it or not but its also safe way to transfer money to Pakistan. Regards Ali Malik
    UpVote Reply 0 Upvotes
  • Ali Asif

    what about withdrawing money from elance,odesk and freelancer.com , any idea how much they charge i.e hidden fee and stated fee for $1000 ?
    UpVote Reply 0 Upvotes
    • Rob Rawson www.timedoctor.com

      oDesk charges 10% and on top of the 10% are any other currency transfer fees. Freelancer.com the fees vary depending on the level but also it's going to be usually 10% or more. If you use the local transfer method on oDesk they charge an additional $4.95 per transfer PLUS the hidden exchange fees, which I believe are at least 2.5%. So if you transfer $500 for example the total fee would be at least 13.5%So in any case if you use oDesk or Freelancer.com it's going to cost a lot more.We actually have a lot of people using Time Doctor instead of oDesk for their team to save the 10%.
      UpVote Reply 0 Upvotes
  • Kashif

    I mainly use WireTransfer and 2Checkout to get payments that I work using <a href="http://mijsons.com" rel="nofollow">mijsons</a>
    UpVote Reply 0 Upvotes
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