Cheapest way to send money to Pakistan · quotes checked 2026-10-30
Paying by bank transfer from the US. The cheapest provider changes with the amount, so both $200 and $1,000 are shown. Ranked by what the recipient gets, which is what matters: the fee and the exchange-rate markup together.
| Provider | Recipient gets | Effective rate |
|---|---|---|
| Remitly | 55,362 PKR | 276.81 PKR/USD |
| WorldRemit | 55,349.4 PKR (−0.02%) | 276.747 PKR/USD |
| Instarem | 54,920.68 PKR (−0.8%) | 274.6034 PKR/USD |
| Western Union | 54,828.77 PKR (−0.96%) | 276.899 PKR/USD |
| Xoom | 53,526.7 PKR (−3.32%) | 267.6335 PKR/USD |
| Wise | 53,023.75 PKR (−4.22%) | 276.713 PKR/USD |
| OFX | 52,495.87 PKR (−5.18%) | 269.2096 PKR/USD |
| Chase (US) | 51,799.02 PKR (−6.44%) | 265.636 PKR/USD |
Collected and published by Wise, which is also a provider in the list. Source, 2026-10-30.
| Provider | Recipient gets | Effective rate |
|---|---|---|
| Remitly | 276,810 PKR | 276.81 PKR/USD |
| WorldRemit | 276,746.98 PKR (−0.02%) | 276.747 PKR/USD |
| Western Union | 276,347.97 PKR (−0.17%) | 276.899 PKR/USD |
| Instarem | 274,603.4 PKR (−0.8%) | 274.6034 PKR/USD |
| Wise | 273,184.91 PKR (−1.31%) | 276.713 PKR/USD |
| Xoom | 272,082.2 PKR (−1.71%) | 272.0822 PKR/USD |
| OFX | 267,863.55 PKR (−3.23%) | 269.2096 PKR/USD |
| Chase (US) | 264,307.82 PKR (−4.52%) | 265.636 PKR/USD |
Collected and published by Wise, which is also a provider in the list. Source, 2026-10-30.
Because most of the cost hides in the exchange rate. A provider with a $0 fee and a 3% worse rate costs more than one with a $5 fee at the mid-market rate. "Recipient gets" captures both.
Fixed fees matter on $200 and vanish on $1,000, while rate markups scale with the amount. That is why Remitly wins at $200 and Remitly at $1,000 here.
No. They are quotes read on 2026-10-30 from the source linked above. Rates move daily; use them to pick a provider, then check the live quote before sending.
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Fees at an amount: PayPal $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Stripe $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Square $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Venmo $50 $100 $200 $250 $500 $1,000 $2,000 $5,000