Send Money from Canada to Pakistan

Measured on the full cost — the transfer fee plus the exchange-rate margin — Wise is cheapest on this corridor at C$1,000, across the 3 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 C$1,000, Wise is the cheapest of the 3 providers priced at that amount on this corridor: about C$9.37 all in, or 0.94% of the amount sent. Western Union is next at about C$11.90. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at C$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.

Yes. Up to C$500, WorldRemit costs least on this corridor; from C$1,000 upwards, Wise does. The change happens somewhere between those two amounts — they are the amounts actually priced, so naming a precise crossing point would be a guess dressed as a figure. This happens because a transfer costs a flat fee plus a percentage of the amount, and those two scale in opposite directions: on a small transfer the fee dominates, on a large one the exchange-rate margin does. It is why a comparison taken at a single amount can point you at the wrong provider for yours.

Delivery ranges from minutes to a few business days depending on the provider and payout method. WorldRemit 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, JazzCash, SadaPay, bank deposit, cash pickup, mobile wallet and airtime top-up. 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, Western Union, WorldRemit and Xe Money Transfer 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 CAD 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 Canada under FINTRAC, 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 C$10,000, a specialist foreign-exchange broker will often beat an app on rate.

Pakistan runs a government-backed scheme, the Pakistan Remittance Initiative, under which the State Bank pays a rebate to operators on transfers above roughly USD 200. In practice that often means no fee is charged to the sender on qualifying transfers through formal channels — worth checking whether your provider passes it on. Wise serves this corridor but pays out to bank accounts only. If your recipient wants Easypaisa or JazzCash, you need a wallet-capable provider even if Wise quotes a better rate.