Find the Best Way to Transfer Money to Pakistan

Transfer money overseas. Transfer money from Australia to Pakistan

Transferring money to Pakistan from Australia is hard. There are lots of companies who say they'll send your money, but once you drill down you find their options are limited. We inform you on how you can transfer money to Pakistan in a simple, fast and safe way, using the best money transfer companies.

Key Take Outs

Compare cheaper ways to send money from Australia to Pakistan

How to transfer money to Pakistan from Australia in 3 easy steps

Using a money transfer service
How to send money to Pakistan from Australia. Step 1


Sign up online It takes 5-10 minutes to type in your personal details, verify your identity with photo id and set your account with passwords. You don't have to be a regular customer.
How to send money to Pakistan from Australia. Step 2


Provide international money transfer details Tell them how many Pakistani rupee you want delivered. Enter the bank information of the person you are sending money to. Send the funds requested.
How to send money to Pakistan from Australia. Step 3


Money is delivered Money is delivered to the Pakistani bank account and you are updated regularly via phone or email. They're very good at keeping you informed of where your money is.

Best ways to send money to Pakistan

1. Using a money transfer company

A money transfer company specialises in foreign currency exchange. You can send money online from an Australian bank account to another bank account overseas. It's normally the cheapest and fastest way to transfer money.

We trust two companies for money transfers to Pakistan:


OFX logo

OFX is best for larger money transfers. They remove their $15 transfer fee for transfers over A$10,000 and have great customer service.


transferwise logo

With TransferWise, you consistently receive the most competitive exchange rate (the mid-market rate) and you're told your total costs upfront. For AUD to PKR transfers, TransferWise charges you a flat fee of 2.29 AUD + 0.91% of the amount that's converted.

  • TransferWise can only send money for personal individuals (not business)
  • Money can only be sent to Pakistani bank accounts (excluding express accounts)
  • You can send up to 980,000 PKR (under A$10,000) per transfer
Best ways to send money to Pakistan
Best ways to send money to Pakistan using a remittance company

2. Remittance company money transfer

Remittance companies specialise in sending small amounts overseas to friends and family overseas. They're able to transfer money overseas to bank accounts, provide cash pick up and transfers by mobile wallets.

They're usually more expensive than other online money transfer companies, but are often faster in emergencies.

While Western Union is the most well-known remittance company, there are some better alternatives:



InstaReM is best for speed. They transfer your money to Pakistan at 'zero-margin rates' (exchange rates with minimal markups) + a transparent nominal transaction fee just 1% of the total transfer amount.


With a $3.99 flat fee per transfer, WorldRemit has low transfer fees and is really handy if you want to do same-day money transfers to Pakistan regularly. They are also offering fee-free transfers for amounts over A$300 made possible through the Pakistan Remittance Initiative (PKI).

3. Bank transfers

It's very difficult to find a bank in Australia to send PKR to Pakistan, at best they will send USD.

A bank transfer moves money between countries on the SWIFT network or an electronic wire or telegraphic transfer. Money is transferred from one bank account to a bank account in another country.

They are more expensive and often slower to transfer your money overseas.

NAB is an example of a bank that offers money transfers to Pakistan.

Best ways to send money to Pakistan using a bank

How much will it cost to make my international money transfer?

There are 3 fees you'll usually be charged to send money to Pakistan:

How much will it cost to transfer money to Pakistan from Australia?
  • Exchange rates - The better the exchange rate, the more Pakistani rupee (PKR) you get in the bank account in Pakistan. Money transfer services that offer better exchange rates will usually charge you a separate transfer fee.
  • Transfer fees - These can range anywhere between $0 to $5. Some online transfer companies offer fee-free transfers for sending large amounts of money. These companies usually charge a slightly worse margin on their exchange rate, but are still better than bank fees.
  • Hidden fees - You or the person you're sending money too will often get charged a bank receiving fee or banks intermediary fee of approximately $25 each.

How long does it take to transfer money overseas?

Money Transfer Services can take 0 - 3 business days

Money transfer services tend to quote transfer time in hours not days. Unlike banks, they keep you updated on the movement of your funds. This includes the estimated arrival time of your funds to the account you're sending money to.

Remittance Companies can take 0 - 5 business days

An instant transfer is available with remittance companies if you pay a higher transfer fee and the person can collect in cash. Alternatively you can send money using money in your bank account to another bank account and it can take up to 5 business days.

Bank to Bank Transfer can take 2 - 5 business days

Also known as a 'wire' or 'telegraphic transfer'. These transfers are slow, because the money may go through a network of correspondent banks before landing into the account in Pakistan. The time it takes will also vary depending on the bank receiving the money. Plus, it's up to you to check if the person you sent money has received it.

How long does it take to transfer money to Pakistan from Australia?

What information do I need to transfer money to Pakistan from Australia?

What information do I need to transfer money to Pakistan from Australia?
  • Your personal information: Your full name, address and date of birth. For security reasons they need your photo id scanned or photographed. You can use your mobile phone to take a photo and send.
  • How you wish to pay: Your bank details, account numbers and address or debit/credit card details.
  • The full name and address of the person you wish to pay.
  • Overseas bank account details, the name on the account, and the SWIFT code or BIC code for the bank account abroad.


Helpful hints

- Make sure your photo is of a high quality so they can see the picture
- Make sure your personal id is valid and within the expiry date
- You can't give your work/office address or PO box address

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By Natalie Robertson Updated August 5th, 2020