5 Cheaper Ways to Send Money from the USA to Pakistan (2024)

If you’re looking for the best way to send money to Pakistan from the United States, use our list to find the cheapest, fastest way to transfer money online.

It can be time consuming researching money transfer companies and comparing the best rate of foreign exchange. Our guide shows you which service has transparent fees, mobile apps and different delivery options to make your international money transfers easier.

Some of the best money transfer services to send money from the USA to Pakistan

1. Best Exchange Rates:Wise

2. Sending Money to Family and Friends:Remitly

3. Sending Cash or Mobile Money:WorldRemit

4. Fee Free:OFX

5. Best Big Brand:Xoom, powered by PayPal

5 Cheaper Ways to Send Money from the USA to Pakistan (1)

5 Cheaper Ways to Send Money from the USA to Pakistan (2)

Wise (formerly known as TransferWise)

If you prefer to transfer money online, Wise is the easiest way to do it. It’s incredibly simple to set up an account or make a transfer using their app. They also have the best exchange rates, because they offer the same market rate you see on XE or Google and don’t add any hidden exchange rate mark ups.

How much does it cost to transfer funds to Pakistan?

Transfer Fee: 1.82 USD + 1.45% of your amount.
Exchange Rate: Wise gives you the best possible rate (google rate). They do not use a margin.
Additional Fees: Bank debit (ACH) is the cheapest; then bank wire transfer; followed by debit card and credit card.

How to transfer money with Wise?

  • Create an online account and login.
  • Tap in how much and where to. Enter your recipients details.
  • Make local US payment to Wise, using a bank transfer, SWIFT, or your debit or credit card.

How long does it take?

Your recipient will get the money in Pakistani rupee from Wise’s local account within 0-1 business days.

Is Wise safe?

Yes they are. Click here to see our full review of Wise.

Best features:

  • Quick online set-up
  • Transparent fees and offer the best rates online
  • Very fast transfers to a bank account
  • Simple cell phone app

Service details:

For Wise help online.

5 Cheaper Ways to Send Money from the USA to Pakistan (3)

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5 Cheaper Ways to Send Money from the USA to Pakistan (4)

Remitly

Remitly accepts credit and debit cards, and with their Express option, money can be sent within minutes. Remitly have no minimum limit so it can be handy when sending small amounts to family or friends overseas.What we like about Remitly is they are cheaper than Xoom/PayPal or Western Union for money transfers within minutes. It’s also easy to make payments on the Remitly website or mobile app.

How much does it cost to transfer funds toPakistan?

Transfer Fee:$1.99 for Express
Exchange Rate: The exchange rate you receive depends on the amount of your transfer and which country your money is being sent.

How to pay with my debit or credit card with Remitly?

  • Log into the Remitly website
  • When you’re ready for payment, just type your name, card number, expiry date and card verification details
  • Bank transfers or SWIFT payments are also available to send money from the US

How long does it take?

Within minutes for international money transfers.

Is Remitly safe?

Yes they are. They are fully licensed and authorised. Click here to see our full review of Remitly.

Best features:

  • The person can receive their money transfer by bank deposit, cash pick up, mobile money or home delivery.
  • Money back guarantee – if your money doesn’t arrive on time.
  • Same-day cancellation requests are possible.
  • Easy to sign up and quick to transfer money on mobiles or laptops.

Service details:

For help from Remitly and phone number: US- 1-888-736-4859

5 Cheaper Ways to Send Money from the USA to Pakistan (5)

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5 Cheaper Ways to Send Money from the USA to Pakistan (6)

WorldRemit

WorldRemit specializes in remittances and smaller transfers. They’re perfect for personal money transfers from the US of up to US$10,000 to Pakistan. Their rates are usually better than your local bank’s and they offer more flexible delivery options than companies like PayPal, Western Union or MoneyGram.

How much does it cost to transfer funds to Pakistan?

Transfer Fee: 3.99 USD.
Exchange Rate: WorldRemit add a margin to the exchange rate. Click here to get an indicative exchange rate to send money from the USA to Pakistan.
Maximum transfer amount: US$5,000

How to transfer money with WorldRemit?

  • Create an online account and login.
  • Tap in how much, how you want to transfer (cash pickup, bank deposit, Mobile Money or Airtime top-up) and where to. Enter your recipients details
  • Make local US payment to WorldRemit, using a bank transfer or your debit or credit card.

How long does it take?

Depends on your delivery choice. For a wire transfer they will get Pakistani rupee in 2 business days. Cash delivery is ready instantlywith valid photo ID and transaction reference number.

Is WorldRemit safe?

Yes they are. Learn more about how trustworthy WorldRemit are.

Best features:

  • Offers cash pick-up, bank deposits, Mobile Money and Airtime top-up
  • Easy online platform and cell phone app
  • Transparent costs with accurate calculator tool
  • 24/7 customer support

Service details:

WorldRemit FAQs

5 Cheaper Ways to Send Money from the USA to Pakistan (7)

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5 Cheaper Ways to Send Money from the USA to Pakistan (8)

OFX

OFX is one of the oldest money transfer companies and have a good track record for security. Recently, OFX stopped charging a flat transfer fee to customers in the USA. They are a good option for online users who still want strong customer service over the phone.

How much does it cost to transfer funds to Pakistan?

Transfer Fee: OFX no longer charge a flat transfer fee for customers in the USA.
Exchange Rate: OFX add a margin to the exchange rate when you convert your US dollars into Pakistani rupee.
Minimum Transfer Amount: US$150 for single transfer; US$250 for recurring transfers.

OFX has a currency exchange calculator, but it shows the interbank rate. This is the rate BEFORE they apply their margin. To get an accurate quote, you need to set up an account with OFX. Alternatively, use our exchange rate comparison engine. You’ll see OFX’s actual exchange rates and fees and comparison with other services.

How to transfer money with OFX?

  • Create a free online account and login to get a live quote for your transfer.
  • Enter your recipients details including bank account, financial institution number, account number and branch transit number.
  • ‘Finalize transaction’ and pay using a bank or wire transfer. Business customers can use direct debit.

How long does it take?

Your recipient will get the money in Pakistani rupee into their account in 1 business day.

Is OFX safe?

Yes they are. See our full review of OFX for more information.

Best features:

  • Easy online set-up
  • Good exchange rates and lock-in rate for larger amounts
  • 24/7 phone support
  • Cell phone app

Service details:

OFX FAQs

5 Cheaper Ways to Send Money from the USA to Pakistan (9)

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5 Cheaper Ways to Send Money from the USA to Pakistan (10)

Xoom powered by PayPal

Xoom is convenient for money transfers, but costly compared to other money transfer specialists.

How much does it cost to transfer funds to Pakistan?

Transfer Fee:Differs depending on amount and how you pay them. Paying them by bank transfer is free, but if you pay by card the fee is percentage based.
Exchange Rate: A margin is added to the exchange rate when you convert your US dollars (USD) into Pakistani rupee (PKR).
Get a quote: Click here to find out the cost to transfer money to Pakistan with Xoom.

How to transfer money with Xoom?

  • Sign up to an account and login.
  • Tap in how much and where to. Enter your recipients details. Enter how you would like to pay.
  • Recipient receives money in bank account or in cash available for pick up at agent location.

How long does it take?

It will take 1-2 business days. Transfers submitted by 11 am EST on a bank business day will be delivered by 5 pm EST the next business day.

Is Xoom (PayPal) safe?

Yes they are. They are powered by PayPal, which is one of the oldest online payment platforms trusted for secure online money transfers.

Best features:

  • Safe, trustworthy, fully licensed and authorized company
  • Pay recipients bills or phone reloads via app
  • Regular status updates via text or email

Service details:

Xoom help phone number: (877) 815-1531 (toll free) or +1 (415) 395-4225 from US or Pakistan

5 Cheaper Ways to Send Money from the USA to Pakistan (11)

These vary depending on which online money transfer company you use.

For minimum transfer amounts, XE and Wise have no limits. OFX have a minimum of US$150 per single transaction.

For maximum transfer amounts, Wise has maximum limits of US$50,000 for personal accounts. For business accounts they have a maximum limit of US$250,000 in unlicensed states and up to US$1,000,000 in licensed states.

OFX and XE have no maximum transfer amounts. Meanwhile, Xoom has a limit of US$50,000 over 24 hours if you have the required documents.

Safety is very important and all of the online companies above take their legal responsibilities very seriously. They take extreme measures to protect the sensitive data you provide them like your personal details and identification. However, it’s still better to be safe than sorry. Here are some additional ways you can transfer funds safely:

  • Double check privacy policies and tracking process for your money transfer provider
  • Use a strong, long and unique password with a combination of uppercase and lowercase letters, numbers and symbols when you set-up your account
  • Ensure your money transfer service provides two-factor authentication, including SMS or email-based security code

To wire money from the US, you will need the following information about the recipient’s account:

  • Recipient account holder name and full address
  • Account number you will be transferring money to
  • Swift / BIC code or Routing Number

Send money from your bank account to another bank account in Pakistan using these steps:

  1. Find the wire transfer section from the website of your financial institution
  2. Check any transfer limits there might be
  3. Enter the recipient’s bank details
  4. Enter the amount and choose the currency you want to send your money
  5. Pay the transfer processing fee – your bank can charge anywhere between US$30-80. Your recipient bank can charge as much as US$30 to receive the money.
  6. Find out how long it will take for your transfer to arrive

Yes. When you have an account with any of the online money transfer services highlighted above, you can make transfers through their website, or via their iOS Apple and Android apps. However, some are easier to use than others.

The most common countries or currencies money is sent to from the US includes: Mexico (MXN), China (CNY), India (INR), Germany (EUR), France (EUR), South Korea (KRW), United Kingdom (GBP), Japan, (JPY) and Italy (EUR) and Australia (AUD).

Guide

5 Cheaper Ways to Send Money from the USA to Pakistan (12)

There are 3 main ways most people receive money from overseas. Find out the most common fees, exchange rates and money traps to avoid.

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5 Cheaper Ways to Send Money from the USA to Pakistan (13)

Finding the best money transfer services in the US can be challenging. We reviewed over 30 banks and online money transfer companies to give your our list of the best service to send money overseas.

Guide

5 Cheaper Ways to Send Money from the USA to Pakistan (14)

Wire transfers let you send thousands of dollars, to almost any other bank account in the world. There’s just one catch. Transfers through your bank are expensive—really expensive.

ByJustin RamponoUpdated June 15th, 2022

5 Cheaper Ways to Send Money from the USA to Pakistan (2024)

FAQs

What is the cheapest way to send money to Pakistan? ›

The cheapest way to send money to Pakistan is almost always to make an international bank transfer to a local bank account in Pakistan via a specialist money transfer provider, which you can pay by debit card or local bank transfer.

What is the least expensive way to transfer money internationally? ›

The cheapest way to send money internationally is to transfer funds directly from your bank account to a recipient's bank account. Most transfer services charge additional fees for debit card or credit card payments and cash pick-ups. Credit card payments will incur additional charges from your credit card provider.

Can Pakistani use Zelle? ›

Frequently Asked Questions About Using Zelle in Pakistan

No, you cannot send money to Pakistan with Zelle, as Zelle is available only in the US. The payment app only allows you to send money from one US bank account to another, meaning both the sender and the recipient must have US bank accounts.

Can I transfer money from US bank to Pakistan bank? ›

Transfer money to Pakistan reliably

Best of all, you can send money to Pakistan using a credit or debit card, directly from your bank account, via Apple Pay®, or with cash at more than 55,000 agent locations in the US.

How can I send money from USA to Pakistan? ›

Some of the best money transfer services to send money from the USA to Pakistan
  1. Best Exchange Rates: Wise.
  2. Sending Money to Family and Friends: Remitly.
  3. Sending Cash or Mobile Money: WorldRemit.
  4. Fee Free: OFX.
  5. Best Big Brand: Xoom, powered by PayPal.

Is Western Union or MoneyGram cheaper? ›

Western Union tends to provide cheaper fees while MoneyGram generally provides better exchange rates.

How do I avoid international transfer fees? ›

The easiest way to avoid a foreign transaction fee is to use a debit or credit card that waives foreign transaction fees while traveling abroad. Luckily, there are plenty of credit and debit card options that offer this perk for those crossing borders.

Is Western Union cheaper than bank transfer? ›

International money transfer services like Western Union can help you easily send money abroad, and the fees may be less compared to traditional banks. Plus, Western Union can be a more convenient option because there are additional methods to send money such as cash pick-up.

How do I avoid foreign transfer fees? ›

You can also avoid foreign transaction fees by making purchases online only with international merchants that work with American credit cards and accept US dollars. When shopping online, make sure that their business is based in the US or that they accept a range of payment options that include US currency.

Can you venmo to Pakistan? ›

Venmo does not work internationally, as users must be physically located in the United States to complete transactions on the app. You'll also need to have a US bank account to set up a Venmo account, and if you plan on getting the Venmo credit card, you'll need to have a Social Security Number, too.

Can Pakistani use PayPal? ›

PayPal does not offer resident Pakistanis to hold a PayPal wallet to withdraw money. But resident Pakistanis can receive money through Xoom directly into a bank account or by picking up a cash transfer at a local bank.

Is venmo allowed in Pakistan? ›

Venmo does work internationally as you can use the app anywhere but you can only link US mobile numbers and US bank accounts. You cannot sign up for a Venmo account being outside of the United States.

How much does it cost to send $100 Western Union? ›

Fees for money transfers within the US

To send $100 from your bank account to their bank account still carries a significant fee of $14.00. Sending the same amount from your credit card as a cash pickup will cost you $20.50. The maximum you can send in one day is $5,000, and the highest fee we've seen is $243.

Which is better wise or Payoneer? ›

The main difference between Wise and Payoneer is that Payoneer money transfers has a network of over 200 countries while Wise offers the lowest transfer fees, varied payment options and matches the mid-market rate. The evolution of the internet has made it simpler and more cost-effective to send money across borders.

Is sending money to Pakistan from US legal? ›

It is legal to send money to Pakistan from US so long as it is done legally following the law.

How much does MoneyGram charge to send $1000? ›

Compare the cost of money transfers using MoneyGram and Western Union to see which one is the cheaper option to send money, while comparing to alternatives.
...
Western Union vs. MoneyGram Money Transfers.
Destination/ServiceFrance
Western Union $100$11
Western Union $1,000$26
MoneyGram $100$10.99
MoneyGram $1,000$25.99
9 more columns
31 Oct 2022

Is Western Union safe to send money to Pakistan? ›

Western Union takes safety seriously. As one of the most reliable and oldest financial services and communications companies in the world, we provide a wide variety of money transfer options to more than 200 countries.

Which international money transfer is best? ›

5 Best Ways to Send Money Internationally
  • Wise.
  • OFX.
  • Xoom.
  • MoneyGram.
  • Western Union.
6 Sept 2022

What is the cheapest money transfer? ›

For a bank-to-bank transfer, MoneyGram is the cheapest option. You'll have to pay fees. For sending $200 to $1,000, average fees range from about $6 to $14 in the countries we surveyed, depending on the sending and receiving methods. MoneyGram also marks up the exchange rates anywhere from about 0.60% to nearly 8.44%.

Is PayPal or Western Union cheaper? ›

Our Western Union vs PayPal comparison has found that Western Union offers faster transfer times, more favourable exchange rates, and lower fees than PayPal. While PayPal does have it's advantages for more convenient transfers domestically, Western Union is the better choice for international transfers.

Is Western Union cheaper than Xoom? ›

Is Xoom cheaper than Western Union? Xoom fees vary on the size of the transfer and the destination country. However, they generally provide better value than Western Union. Also, the markup percentage of Xoom is 1-3%, while Western Union is more expensive at 3-6%.

Which bank has no foreign transaction fee? ›

Banks that have no foreign transaction fees on at least some debit card purchases, ATM withdrawals and credit card transactions include Capital One and HSBC.

What banks have no international ATM fees? ›

Banks with no debit card foreign transaction or ATM fees
  • Capital One 360. Capital One's online bank stands apart from many banks because it doesn't charge a currency conversion fee or a fee for using a foreign ATM network. ...
  • Charles Schwab Bank. ...
  • Discover Bank. ...
  • Varo Bank.
16 Aug 2022

What banks charge for international transfers? ›

Average wire transfer fees

Wire transfer fees typically range from $0 to $50. Domestic outgoing wire transfer fees typically range from $0 to $35, while international outgoing wire transfer fees are usually $35-50.

How can I avoid Western Union fees? ›

If you're using a credit card, a card-issuer cash advance fee and associated interest charges may apply. To avoid these fees or for reduced fees, use a debit card or check other payment methods.

What is the fee to send $1000 through Western Union? ›

Up to $14.00 per transfer. $30.00 per transfer $10,000 or less.

How can I send money cheaper than Western Union? ›

Remitly is a US-based digital remittance app that's very often the fastest and cheapest money transfer app on Monito. Like Western Union, Remitly offers various pay-in and pay-out options and supports currency transfers to over 85 countries worldwide, but unlike Western Union, it's often 2 to 5 times cheaper!

Why are international transfer fees so high? ›

Why is it so expensive? Because banks and credit card companies charge users high fees to help them convert between currencies. Understanding how to reduce the costs associated with using your bank card abroad or transferring money between foreign bank accounts will help you save more of your hard-earned dollars.

Is international bank transfer free? ›

A transfer fee is generally a flat fee charged on every international transfer regardless of the amount you send. However, some banks have the cheek to charge the same transfer twice – a transfer fee for the sender and another for the recipient.

Does PayPal have a foreign transaction fee? ›

Both solutions can be useful but fees vary based on location, so it's important to know which fees apply. The current fees for PayPal Payments Pro are 2.9% + $0.30 per transaction for US transactions. For international transactions, they're 4.4% + a fixed fee.

Is MoneyGram banned in Pakistan? ›

Islamabad, Pakistan: The Western Union Company and MoneyGram International Inc working in Pakistan have barred to send/transfer money from Pakistan to any foreigner outside the country.

How can I send money to Pakistan instantly? ›

Best ways to send money to Pakistan
  1. Bank Transfer. Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. ...
  2. Debit Card. Paying for your transfer with a debit card is easy and fast. ...
  3. Credit Card. ...
  4. PISP. ...
  5. Swift. ...
  6. Apple Pay.

Is Cashapp allowed in Pakistan? ›

Cash App can only be used to send money within the country you live, and the service is only available in the US and UK.

Does Amazon work in Pakistan? ›

Amazon's website is totally accessible in Pakistan, but there is a limitation to importing from the USA, UK, or France. Only 4% of products have an option for Amazon shipping in Pakistan, and the remaining cannot ship directly here.

What payment methods are accepted in Pakistan? ›

  • Bank Transfer: To make a bank transfer payment, all you have to do is enter the bank name and account number of the receiver in your bank mobile app. ...
  • Wire Transfer: Wire transfer works by sending payments through a network to any bank in the world. ...
  • EasyPaisa. ...
  • JazzCash. ...
  • Upaisa. ...
  • Payoneer. ...
  • GoLootLO. ...
  • PayPak.
30 Aug 2021

Which Pakistani bank is connected with PayPal? ›

State Bank of Pakistan. A graphical representation of a user's journey for making a transfer to a local Pakistani Account. A user can either use PayPal or Xoom credential to login. To login using PayPal click the “Continue with PayPal: option.

Is Apple Pay working in Pakistan? ›

Through it, you can handle all credit and debit card clearance amounts. Apple Pay is an innovative and advanced technology option working in Pakistan for payments.

Does Moneygram work in Pakistan? ›

Easy pick up from more than 5,000 locations in Pakistan.

Is Western Union available in Pakistan? ›

Send money to almost anywhere in the world from Pakistan

Today with over 500.000 Agent locations worldwide in over 200 countries and territories, millions of people trust Western Union to send and receive money worldwide.

Can I send $2000 through Western Union? ›

Information. To send more than 3,000 USD from the United States, you will need to verify your identity1. Once verified, you can send up to 50,000 USD. You can verify your identity online or at an agent location.

How much does MoneyGram charge to send $500? ›

The fee for a transfer with MoneyGram varies depending on the amount you want to transfer. MoneyGram charges a flat $5 fee to send amounts between $1 to $49 and a flat rate of $11.50 on amounts between $50 and $499. The fee on amounts of $500 and above is 2%. There is also a maximum amount of $10,000 per transfer.

How much is Western Union limit? ›

Requirements to Send money

A maximum send limit of 1,000USD Naira equivalent per customer per quarter, as stipulated by the Central Bank of Nigeria.

What is cheaper Payoneer or PayPal? ›

The main difference between PayPal and Payoneer is that PayPal charges an exchange rate margin between 3.5 – 4% on most currency conversions while Payoneer will typically charge a margin of 2% on top of the mid-market rate. When you're looking to send money internationally.

How much are Payoneer fees? ›

Payoneer customer service and support

It also has an online knowledgebase. 3% on credit card payments and 1% on e-check payments. $1.50 fee for domestic funds and 2% fee for non-local currency. 0.5% fee per transfer.

How much does Payoneer charge to send money? ›

UP TO 1.2% OF TRANSACTION AMOUNT

Payoneer customers can also make batch payments to up to 200 bank accounts at once with a 2% fee.

What is the safest way to send money to Pakistan? ›

  1. Best Money Transfers Wise (ex-TransferWIse) Western Union WorldRemit Skrill Remitly Paysend CurrencyFair TransferGo.
  2. Best Neobanks Wise Account Revolut N26 Monese bunq Curve Starling Bank.

Which bank is best for international transfers in Pakistan? ›

SCB is the best bank in Pakistan for international transactions due to its strong presence in the Pakistani as well as the global market.

How can I send money free from UK to Pakistan? ›

Skrill Money Transfer

Skrill is one of the cheapest options to send money to a bank account in Pakistan. With Skrill, you can send money to a bank account for free, either from its website or mobile app.

Is bank transfer free in Pakistan? ›

The State Bank of Pakistan (SBP) announced on June 16, 2021, that it has now allowed banks to charge a transaction fee of 0.1 percent of the transaction or PKR 200, whichever is lower on Inter-Bank Funds Transfers (IBFTs). SBP has made compulsory free-of-cost IBFTs of up to PKR 25,000 per month per account.

How can I transfer money to Pakistan? ›

Best ways to send money to Pakistan
  1. Bank Transfer. Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. ...
  2. Debit Card. Paying for your transfer with a debit card is easy and fast. ...
  3. Credit Card. ...
  4. PISP. ...
  5. Swift. ...
  6. Apple Pay.

Which US bank has branches in Pakistan? ›

Citi has been operating in Pakistan since 1961 and is one of the leading corporate and investment banks in the country.

Which bank is best for USD account in Pakistan? ›

HBL Foreign Currency SavingsAccount is the ideal choice allowing you to save with ease while offering convenience and reliability for Pakistanis as well as foreign nationals dealing in foreign currencies.

Is HBL in USA? ›

HBL had been operating its New York branch since 1978, and was one of only three Pakistani banks to have a presence in the United States (the other two being the National Bank of Pakistan and the United Bank Ltd).

Is Western Union free to send money? ›

Up to $30 per transfer for domestic transfers. Varies for international transfers. Up to $16.00 per transfer. Before initiating a transfer, use a bank or transfer service's online calculator (if available) to estimate your money transfer fees and international money transfer fees.

Is Western Union legal in Pakistan? ›

Yes, Western Union is available in Pakistan. Residents can receive money from abroad or send money in person through a Western Union agent.

Which bank is best for Western Union in Pakistan? ›

Customers in Pakistan can now enjoy the convenience of receiving their Western Union money transfers at more than 750 Bank Alfalah locations across the country.

Is PayPal in Pakistan? ›

PayPal does not offer resident Pakistanis to hold a PayPal wallet to withdraw money. But resident Pakistanis can receive money through Xoom directly into a bank account or by picking up a cash transfer at a local bank.

Can I transfer money from PayPal to Pakistan? ›

And the best part is, if you have an account with PayPal you can start sending money to Pakistan right now with your PayPal payment options right at your fingertips.

Can we use PayPal in Pakistan? ›

PayPal does not operate in Pakistan.

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