Send Money from Singapore to Pakistan

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Pakistani rupees rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Most transfers on this corridor arrive within one to three business days. Paying by debit card is generally faster than a bank transfer, and transfers initiated outside banking hours may not begin processing until the next working day.

Across the providers we compare, the available payout methods are bank deposit, cash pickup and card payout. 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. Western Union and Remitly 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 SGD 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 Singapore under the Monetary Authority of Singapore, 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 S$10,000, a specialist foreign-exchange broker will often beat an app on rate.

Western Union's offer here is the unusual one on this site: a zero fee on a first transfer and on every repeat transfer above SGD 260 to a bank account. Almost every promotion in this hub applies once. One that applies to every transfer above a threshold changes the arithmetic for a regular sender completely, and it is the reason to read past the headline fee on this page. Pakistan subsidises inbound remittance costs through the State Bank's reimbursement of waived charges, which is part of why fees on this corridor sit below what the same services charge to neighbouring destinations. It is a policy and it can change. This is one of three corridors in this hub where Wise states the send amount its cost applies to, so its figures here are comparable with the Indian and Thai pages and not with the other four. All three Wise funding figures held identical across two independent reads on this corridor. On Thailand the card figure did not, and there it is withheld — the figures on this site are the ones that survived being checked twice.