Send Money from the UK to Pakistan

Measured on the full cost — the transfer fee plus the exchange-rate margin — Remitly is cheapest on this corridor at £1,000, across the 5 providers we hold checked figures for. WorldRemit, Remitly, Taptap Send, LemFi, Ria Money Transfer and MoneyGram advertise no transfer fee here, which looks cheaper and often is not: a provider with no fee recovers it in the rate, and the margin is usually the larger of the two costs. 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 £1,000, Remitly is the cheapest of the 5 providers priced at that amount on this corridor: about £4.90 all in, or 0.49% of the amount sent. WorldRemit is next at about £5.00. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at £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 £100, WorldRemit costs least on this corridor; from £250 upwards, Remitly 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. It changes once more between £1,000 and £2,500, in favour of Western Union. 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, Paysend, Xoom and LemFi 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, bank deposit, cash pickup, mobile wallet, airtime top-up 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, WorldRemit, Remitly, Taptap Send, Xoom, LemFi, Ria Money Transfer, MoneyGram and Revolut 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 GBP 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 the UK under the Financial Conduct Authority (FCA), 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 £10,000, a specialist foreign-exchange broker will often beat an app on rate.

The Pakistan Remittance Initiative, a joint scheme of the State Bank of Pakistan, the Ministry of Overseas Pakistanis and the Ministry of Finance, makes qualifying transfers fee-free. WorldRemit states the threshold as 200 USD or the equivalent in the sending currency, and that it applies whichever country you send from. It covers personal remittances only and excludes credit-card funding. Providers do not agree on the PRI threshold. Ria's UK Pakistan page states zero fees on transfers of 100 USD or more, while Ria's own help centre, WorldRemit and Western Union all state 200 USD. We have not resolved the difference and are recording it rather than picking a side — check the figure with the provider before relying on it. Your recipient's wallet tier can reject the transfer even when your own limit allows it. Taptap Send publishes the Pakistani caps: a basic wallet takes 25,000 PKR per transaction and per month, a CNIC-verified wallet 50,000 PKR and 500,000 PKR a month, a fully verified wallet 100,000 PKR and 1,000,000 PKR a month. Some Pakistani account types will not accept an inbound remittance at all. Wise states that Meezan Bank Express and Allied Bank Express accounts, business accounts, and Asaan accounts limited to 500,000 PKR are rejected, and that it pays only into a standard PKR account with a 24-character IBAN. Delivery speed splits this corridor more sharply than price does. Taptap Send states most transfers arrive in under 5 minutes, while Revolut states bank transfers generally arrive in 3 to 5 business days. Both are published figures for the same route. The PRI thresholds above are policy, not provider generosity, and the policy is working: Pakistan took a record $41.6 billion in remittances in FY2026, with July-August 2026 running 14.7% ahead of the year before at $7.3 billion. The UK is a meaningful but not dominant source — Gulf countries move far more each month, with Saudi Arabia and the UAE each sending over twice what the US does — so this corridor's fee-free thresholds and promotions are set with an eye on Gulf competition as much as on senders in Britain. Pakistan ended the Sohni Dharti Remittance Programme and the Telegraphic Transfer Charges Incentive Scheme from July 2026 (Gulf News). The State Bank says eligible home remittances must stay free of cost for senders and beneficiaries, with banks now absorbing the cost, and PRI bank incentives are unchanged. In September 2026 the State Bank announced the bank-funded Pasban Remittance Reward Scheme: recipients who receive at least 100 USD through formal channels in each of three months a quarter enter quarterly prize draws, with the first qualifying period running from October 2026 (Dawn).