Cheapest Way to Send Money to Pakistan from the UK

 
Trust Score
4.9
  • Fully Authorised and Regulated in the UK
  • Lower Staff Costs Rolled Over to the Client
  • Quick Onboarding Process and Highly Professional
More information +
Key Currency
  • Time to Open Account Up to 2 minutes
  • Sending Options Debit card
    Bank transfer
  • Receiving Options Bank account
  • Required Documents Photo ID
    Proof of address
Trustpilot logo 3,323 Reviews | Excellent
Trust Score
4.9
  • Tailored strategic solutions
  • Fee free international transfers
  • Forward rate fixing for up to 12 months
More information +
FC Global Payments
  • Time to Open Account Up to 2 minutes
  • Sending Options Debit card
    Bank transfer
  • Receiving Options Bank account
  • Required Documents Photo ID
    Proof of address
Trustpilot logo 109 Reviews | Excellent
Trust Score
4.9
  • Available 7 Days a Week
  • WhatsApp communication available
  • Winner of South West Business Awards, Employer of the Year
More information +
Regency FX
  • Time to Open Account Up to 2 minutes
  • Sending Options Debit card
    Bank transfer
  • Receiving Options Bank account
  • Required Documents Photo ID
    Proof of address
Trustpilot logo 405 Reviews | Excellent
Trust Score
4.8
  • No transfer fees and dedicated account manager
  • Multi-award winning service
  • Global presence with 25+ branches worldwide
More information +
Currencies Direct
  • Time to Open Account Up to 2 minutes
  • Sending Options Debit card
    Bank transfer
  • Receiving Options Bank account
  • Required Documents Photo ID
    Proof of address
Trustpilot logo 18,246 Reviews | Excellent
Trust Score
4.8
  • Excellent exchange rates with no fees
  • Transfer 24/7 over the phone, online or through the app
  • Dedicated account manager & rated excellent on Trustpilot
More information +
TorFX
  • Time to Open Account Up to 2 minutes
  • Sending Options Debit card
    Bank transfer
  • Receiving Options Bank account
  • Required Documents Photo ID
    Proof of address
Trustpilot logo 8,945 Reviews | Excellent
Trust Score
4.6
  • Fully FCA Authorised and Regulated
  • Send Money with your Personal Account manager or online
  • International Payments, Multi Currency Accounts, and more
More information +
Equals Money
  • Time to Open Account Up to 2 minutes
  • Sending Options Debit card
    Bank transfer
  • Receiving Options Bank account
  • Required Documents Photo ID
    Proof of address
Trustpilot logo 485 Reviews | Excellent
Trust Score
4.3
  • £0 wire and transfer fees
  • No transfer Limits
  • 50+ Currencies
More information +
OFX
  • Time to Open Account Up to 2 minutes
  • Sending Options Debit card
    Bank transfer
  • Receiving Options Bank account
  • Required Documents Photo ID
    Proof of address
Trustpilot logo 11,107 Reviews | Excellent
Trust Score
3.7
  • Preferential rates for Free Price Compare customers
  • Profession, award-winning service
  • Tailored solutions
More information +
Halo Financial
  • Time to Open Account Up to 2 minutes
  • Sending Options Debit card
    Bank transfer
  • Receiving Options Bank account
  • Required Documents Photo ID
    Proof of address
Trustpilot logo 7 Reviews | Average

Sending money to Pakistan from the United Kingdom is common for family support, education costs, household expenses, and other personal reasons. While many people default to using their bank, this is not always the cheapest or most transparent option.

By comparing FCA-regulated international money transfer providers, you can reduce costs, avoid poor exchange rates, and make sure more of the amount you send reaches Pakistan safely. Comparing options helps you understand how fees, delivery methods, and exchange rates affect the final amount received in Pakistani rupees.

Why is comparing providers the cheapest way to send money to Pakistan?

High-street banks often charge more for international transfers than people realise. Even when fees appear low, banks may apply exchange rate markups that reduce the value of your transfer.

Specialist money transfer providers are often cheaper because they:

  • Offer exchange rates closer to the market rate
  • Charge lower or more transparent fees
  • Use local Pakistani banking routes to reduce intermediary costs

Comparing providers side by side allows you to see the full cost of a transfer and find a cheaper alternative to bank transfers.

What are the cheapest ways to send money to Pakistan?

There are several ways to send money from the UK to Pakistan, and the cheapest option depends on how you pay and how the money is received.

Common transfer methods include:

  • Online money transfer services with bank deposits to Pakistan
  • Debit card transfers for smaller or urgent payments
  • Bank transfers via specialist foreign exchange providers
  • Cash pickup services in Pakistan, where available

Some providers also support credit card payments alongside bank transfers and debit cards. Credit card payments can be the quickest method for urgent transfers, but they may involve higher fees upfront compared to other payment options.

Depending on the receive method, funds may be delivered to a bank account or, in some cases, to a mobile wallet where available.

Compare today’s cheapest ways to send money to Pakistan

How much does it cost to send £1,000 to Pakistan?

The cost of sending money to Pakistan depends on transfer fees, exchange rates, and delivery speed. Small differences can have a noticeable impact on how much your recipient receives.

Provider Fees Exchange Rate (GBP → PKR) Recipient Gets Delivery Time
High-street bank £10–£25 Lower than market rate Fewer PKR 2–5 working days
Online transfer service £0–£5 Near market rate More PKR Same day to 2 days
Specialist FX provider Low or £0 Competitive rate More PKR Same day to 1 day

Rates and fees vary by provider, payment method, and transfer amount. Checking a live comparison helps you see how much your recipient could receive before confirming a transfer.

How much does it cost to send £1,000 to Pakistan

When sending British pounds to Pakistan, providers convert your money into Pakistani rupees before depositing it into the recipient’s bank account or making it available for collection. Exchange rate markups and additional fees can significantly affect the final amount received.

Find a cheaper alternative to bank transfers

What makes one transfer to Pakistan cheaper than another?

Not all transfers cost the same, even when sending the same amount of money.

Exchange rate margins

Some providers apply a margin to the GBP to PKR exchange rate, which can reduce the amount received more than a visible fee.

Fees and pricing structure

Low or zero fees do not always mean better value if the exchange rate is less competitive.

Payment method

Bank transfers are often cheaper than debit card or credit card payments, which may include card processing costs.

Local payout routes in Pakistan

Providers that use local banking systems in Pakistan can reduce costs and speed up delivery.

Transfer size

Larger transfers often benefit from better exchange rates, making specialist providers more cost-effective.

Very small transfers can sometimes attract a small charge or less competitive exchange rate. Checking the exact amount you plan to send helps you see whether fees and rates change for lower transfer values.

Seeing these factors together helps you compare money transfer rates with confidence.

What information is needed to send money to Pakistan?

International money transfer services require certain details to process a transfer securely.

You are typically asked for:

  • The recipient’s full name
  • Their bank account details or chosen delivery method
  • The transfer amount
  • Your payment details

To complete a transfer, providers may also ask for bank account information such as the recipient’s bank account number, along with contact details like an email address, recipient’s email address, or mobile number. Identity verification may be required, particularly for a first money transfer or larger amounts.

Some providers may request additional information, such as the purpose of the transfer or your country of residence, to meet regulatory requirements. Many services offer mobile apps or online dashboards to track transfer progress.

Check low-fee GBP to PKR transfer options

Is the cheapest way to send money to Pakistan safe?

Choosing a cheaper option does not mean sacrificing security. Money transfer providers operating in the UK must meet Financial Conduct Authority requirements.

Is the cheapest way to send money to Pakistan safe

Most FCA-regulated providers offer:

  • Secure encryption to protect personal and payment information
  • Identity verification and anti-money laundering checks
  • Safeguarding of customer funds
  • Secure delivery through established banking or payout networks

Using a regulated provider allows you to focus on cost and speed without compromising on safety.

When might the cheapest option not be the best choice?

Cost is important, but it should be balanced with speed and purpose.

A slightly higher-cost option may be more suitable if:

  • You need urgent or same-day delivery
  • You are sending a large amount
  • The transfer relates to business, property, or investment payments
  • Additional compliance checks are required

Comparing providers helps you choose the right balance between price, speed, and service.

See how much your recipient could receive

FAQs – Cheapest Way to Send Money to Pakistan

Yes, as long as you use an FCA-regulated provider that follows UK safeguarding rules.

Not necessarily. Many low-cost providers offer same-day or next-day transfers depending on the payment method.

Banks are rarely the cheapest option due to higher fees and exchange rate markups.

In many cases, yes. A poor exchange rate can cost more than an upfront transfer fee.

Debit card transfers can be convenient, but they may cost more than bank transfers.

Transfer times vary by provider and delivery method. Many online services deliver funds within one to two days.

Yes, most international money transfer services support direct deposits to Pakistani bank accounts.

Limits depend on the provider, payment method, and regulatory checks. Larger transfers may require additional verification.

Yes, GBP to PKR exchange rates can fluctuate throughout the day, which is why comparing live rates can make a difference.

Many providers offer mobile apps that allow you to send money, track transfers, and manage payment options.

There is no single app that is always the most affordable, as fees and exchange rates can change depending on the transfer amount, payment method, and timing. Apps that allow you to compare FCA-regulated money transfer providers in one place make it easier to see live rates, fees upfront, and delivery options before sending.

Minimum transfer amounts vary by provider, but very small transfers may not always receive the best rates. Some providers apply small charges or less competitive exchange rates for lower amounts. Comparing providers helps you see how the exact amount affects overall value.

Comparison platforms allow you to review FCA-regulated providers side by side, including fees, exchange rates, transfer speed, and delivery options.

Some international money transfer providers may offer introductory promotions for first-time users, such as reduced fees or special exchange rates on an initial transfer. These offers can change and may only apply to specific transfer amounts or payment methods. Comparing FCA-regulated providers helps you see whether a first-time promotion offers genuine value once exchange rates and fees are taken into account.

More on Money Transfer

Page last updated on: 29/01/2026

Page reviewed by: Andrea Troy

4000+ reviews