Overseas Pakistani Remittance Guide
Sending money to Pakistan is easy when you use a legal, licensed channel. This free guide compares the common remittance channels, helps you estimate what your family will receive with an interactive worksheet, and lists the documents you need as a first-time sender.
Channel comparison worksheet
Enter the amount you want to send and your country. The table shows what the recipient would get through each channel. The fee and rate fields are editable estimates — change them to the figures your bank or operator quotes, and this page will remember your edits on your device.
| Channel | Fee (estimate) | Rate: 1 unit = PKR (estimate) | Recipient gets |
|---|
All fees and rates are estimates only to help you compare. Exchange rates change every day. Confirm the live rate and total fee with your bank or operator before sending.
Channel notes
- Bank wire: reliable and fully documented; usually arrives in 1 to 3 working days; fees are higher for small amounts.
- Roshan Digital Account: made for overseas Pakistanis; open the account online, then transfer in; often low or zero transfer fee.
- Money transfer operators: widely available agents and apps; fast, often minutes to hours; compare total cost including the rate margin.
- Mobile wallet: money lands directly in the recipient EasyPaisa or JazzCash account; good for small, quick family support.
Gather these before your first transfer. Your progress is saved on this device.
Frequently asked questions
What is the safest way to send money to Pakistan?
Use a licensed bank, a registered money transfer operator, or a Roshan Digital Account channel. Only legal channels give you a transaction receipt and protection if something goes wrong.
What details does the recipient need to receive the money?
The recipient usually needs their full name as on their CNIC, their CNIC number, their bank account IBAN or mobile wallet number, and sometimes the transaction reference number you get after sending.
What is remittance through a Roshan Digital Account?
A Roshan Digital Account lets overseas Pakistanis open a Pakistani bank account online from abroad. You can send money into it and it is treated as a formal banking channel with digital statements.
Are there limits on how much I can send?
Banks and operators set their own per-transaction and daily limits, and some countries set reporting thresholds. Ask your bank or operator about the current limits before you send a large amount.
How long does a bank transfer to Pakistan take?
A bank wire usually arrives within 1 to 3 working days. Money transfer operators and mobile wallet transfers are often completed within minutes to a few hours, depending on the corridor.