Top 10 Remittance Sites to Pakistan - Nov. 2018

Compare top remittance services & send money to Pakistan in minutes!

I want to Send Money to:
1
Transfer Fees: Med
95
Users Score
2
Transfer Fees: Low
91
Users Score
3
Transfer Fees: Low
88
Users Score
4
Transfer Fees: Low
85
Users Score
5
Transfer Fees: Med
81
Users Score
6
Transfer Fees: Med
79
Users Score
7
Transfer Fees: High
76
Users Score
8
Transfer Fees: High
74
Users Score
9
Transfer Fees: High
71
Users Score
10
Transfer Fees: High
66
Users Score
Service
Regulation
Delivery Speed
Delivery Methods
Transfer Fee
Score
Transfer Money Now
1
FMA
Instant
  • Direct to Bank
  • Cash pick-up
Med
* Transfer tracking available
Main Services: International money transfers, cash pickup, remittance services, mobile transfers
Transfer Objective: One time/Recurrent
Transfer Method: Bank transfer, Phone/App, debit or credit card, cash pick-up
Min Transfer Amount: £0.01
Available in:
Extra Features:
- Locked-in exchange rates
- 145+ years of experience in moving money
- Tracking options for transfers online
- 0-3 days of delivery (depends on destination)

Time to open Account: Few minutes
2
FCA
2-5 hours
  • Direct to Bank
  • Cash pick-up
  • Mobile Transfer
Low
Main Services: Send money online, bank transfers, telephone transfers. Send money to family and friends, emigrate, buy a property overseas or make regular maintenance payments.
Transfer Objective: one off/regular transfers
Transfer Method: Electronic bank transfer, UK debit card, UK direct debit
Min Transfer Amount: £100
Available in:
Extra Features:
- Free transfer fees
- Free to open an account
- Transfers by phone, online or App
- Safeguarded customer funds
- Longstanding FX provider since 1979
Time to open Account: Few minutes
3
FCA
1-2 hours
  • Cash pick-up
  • Direct to Bank
  • SWIFT
  • Mobile Transfer
Low
Main Services: International money transfers, send money to family or friends, send money online, mobile app transfers
Transfer Objective: One time/Recurrent
Transfer Method: Bank transfer, Phone/App, debit or credit card, cash pick-up and more.
Min Transfer Amount: $15
Available in:
Extra Features:
- Ria exist in more than 140 countries and over 300K locations.
- Easy & safe to send and receive money.
- Useful for cash pickup almost everywhere.
Time to open Account: Few hours
4
FCA, ASIC
Up to 24h
  • Direct to Bank
  • Cash pick-up
  • Mobile top-up
Low
5
FCA, HMRC
Up to 24h
  • Direct to Bank
  • Cash pick-up
Med
6
FCA
Up to 24h
  • Direct to Bank
  • SWIFT
  • Mobile Transfer
Med
7
FCA
More than 48h
  • Direct to Bank
  • Mobile Transfer
High
76
8
FCA
Up to 24h
  • Mobile Transfer
  • Mobile Wallet
  • Mobile top-up
High
9
FCA
24-48h
  • Direct to Bank
  • Mobile top-up
  • SWIFT
High
10
FCA
24-48h
  • Cash pick-up
  • Direct to Bank
High
66

Advertiser Disclosure

Top10moneytransfer.com is an independent professional comparison site that provides users with free and valuable information on leading money transfer services. Top10moneytransfer.com is supported by referral fees from listed companies. We do not provide a listing of each and every company in the market. We do not guarantee 100% accuracy of the information. The information which appears on this site is subject to change at any time. We aim to help users make an informed choice that best suits their particular needs.

Frequently Asked Questions

One of the first things that you need to do when considering an international money transfer is to make a research of the providers, including exchange rates, speed of transfer, and credibility of the companies which you are considering (For example, both Western Union and MoneyGram as the two biggest players, for instance, offer $0 transfer fee from your bank to the State Bank of Pakistan, The Bank of Punjab, and other major banks).

Follow the link to get the main checklist on how to compare. 

  • Bank transfers. Most major banks can safely wire your funds to Pakistan. Banks rely on existing links between banks and banking systems worldwide. A downside is the frustratingly high fees and weaker exchange rates you’ll typically receive. However, it is very important to understand that many western banks do not have a direct relationship with Pakistani Banks, and hence a intermediary (or Correspondent) Bank is used. So if , for example, you are transferring money from Sunbank (US) to Silk Bank (Pakistan), Sunbank will hop onto the SWIFT system and see that they have a number of options for correspondent banking. They would most likely use Standard Chartered Bank and move the funds through them, and SCB US will settle with SCB Pakistan and then settle the funds into your Silk Bank account.
  • Online money transfer services. Companies like Xoom, TransferWise, PakRemit make international money transfers to Pakistan easy. They offer more affordable transfers than banks do, allowing you to quickly and easily manage your transactions from home. With competitive exchange rates and lower fees, you can send funds from your bank account, a credit or a debit card. The mentioned above PakRemit, for example, offers no fee for any amount above USD 199 delivered in Pak Rupees. While PayPal is a convenient way for many countries, using the online-only payment system to receive money in Pakistan might not be the best approach.
  • Providers with cash pickup. Trusted providers like  Western Union, MoneyGram, and Ria offer the option of cash pickups from thousands of agent locations across Pakistan. (For example, Western Union has more than 8,800 agent locations in Pakistan, while the MoneyGram has 5,000 local pick-up points) They offer the key advantage of giving your recipient fast access to the cash you send — sometimes within minutes.
  • Mobile Money. You can now send money to any JazzCash mobile account in Pakistan. JazzCash is Pakistan’s fastest growing mobile financial service. Transfer to any active & fully registered JazzCash mobile money account. (Please check that the recipient already has a JazzCash mobile account. You will need their JazzCash mobile number.)
  • In most cases you will need a valid I.D. presented at some point. In some cases the recipient personal data might be required as well. Please check the local regulations of the sending location & agent.
  • If sending to a bank account, you also need your recipient’s bank name and account number.
  • If sending to a mobile wallet, you also need your recipient’s mobile number with international dial code.

The limit per one transfer may vary depending on the conditions of the provider that you are using. For example, the maximum amount per transaction through Western Union is USD $5,000. Local country laws may further limit payment amounts. Maximum amount per transfer to Pakistan is PKR 500,000.There may be even lower limits depending on the country where you are sending from and the payment method used to fund the transfer.

There is no restriction on receipt of remittances from abroad either in foreign currency or by debit to non-resident Rupee accounts of banks’ overseas branches or correspondents. Please check the local regulations of the sending location and the chosen agent.

Depending on the type of remittance and the provider you are using, the transfer could be available to your recipient in Pakistan anywhere between few minutes and few days. Please check the specific conditions fitting your case. The process of receiving a money transfer in Pakistan will vary by provider and delivery method. In general, your recipient will provide ID or a confirmation number for the transaction to receive your funds. If your recipient owns an account at a Pakistani bank or money transfer company, they may not need to provide this information each time you send money.

Most of the financial institutions have online tools on their website that allow you to track the money transfer. If you have carried out the money transfer to Pakistan via a bank, you can track your transaction by the tracking number and beneficiary’s account no. on the bank’s website.

When you send money via services like MoneyGram, Western Union, XendPay or PakRemit, both you & your receiver can always track your transfer from the account on their website. Some of these institutions even provide updates via email and SMS where the sender and the receiver can keep a check on the status. A few companies like TransferWise, and Xoom also have mobile apps that enable customers to check the status of transfer on their mobile devices.

For the most cases, the answer is no, but be sure to check your specific case with the chosen agent.

For the most cases, the answer is no, but be sure to check your specific case regarding the chosen agent and sending location.

When you’re sending money overseas, in many cases you’ll need to convert the funds you send into another currency, such as U.S. dollars into Pakistani rupees. But the provider or agent will convert the currency anyway, so you don’t have to deal with it yourself. Generally, Agent locations only accept cash in local currency. The receiver in Pakistan will be paid out in Pakistani Rupee (PKR) only.