Send Money from Australia to Pakistan

Measured on the full cost — the transfer fee plus the exchange-rate margin — Western Union is cheapest on this corridor at A$1,000, across the 2 providers we hold checked figures for. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Pakistani rupees rather than the headline fee.

At A$1,000, Western Union is the cheapest of the 2 providers priced at that amount on this corridor: about A$2.69 all in, or 0.27% of the amount sent. Wise is next at about A$6.93. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at A$1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Wise can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are Easypaisa, bank deposit, mobile wallet and cash pickup. The most widely used options in Pakistan are bank deposit, Easypaisa and JazzCash wallets, and cash pickup. Pakistan's government-backed remittance scheme means many providers waive fees on bank deposits. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Pakistan, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit, Easypaisa and JazzCash wallets, and cash pickup generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For AUD to PKR, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Australia under AUSTRAC, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly A$10,000, a specialist foreign-exchange broker will often beat an app on rate.

Western Union publishes something here that almost no provider offers: a waived fee on bank-account transfers above the equivalent of 200 US dollars, not just on a first transfer. It is capped at one per recipient every 24 hours and five a month, so it suits a regular monthly payment rather than a large one-off. Both Easypaisa and JazzCash are reachable, from Remitly and Western Union. Wise offers mobile money without naming a partner on its page. Card funding stays close to account funding on this corridor, which is unusual. At 1,000 AUD Wise's debit-card fee of about 9.65 AUD sits near its 6.82 AUD account fee, and credit at about 16.10 AUD is the ordinary way round. On Australia to Nigeria the same provider charges roughly double by debit as by credit, so do not carry an assumption between corridors. MoneyGram carries no row here. Its Australian page for this corridor refused our request when we checked, so we could not read it. That is a gap in what we could verify, not evidence the service is unavailable.