How to Send Money to Pakistan From Abroad Safely (Full Tutorial)

Sending money internationally can seem complicated, but with the right guidance, it can be smooth, fast, and secure. This complete tutorial will guide you step by step on how to send money to Pakistan from abroad safely, ensuring your funds reach your loved ones without delays or extra charges.

Introduction

Sending money to Pakistan from abroad safely is a priority for millions of Pakistanis living overseas. Whether it's for family support, investment, or personal use, ensuring your transfer is secure and reliable is essential. This guide will walk you through all the steps, options, and tips to make the process seamless.

Step 1: Choose the Right Transfer Method

There are multiple ways to send money internationally. Choosing the safest and most cost-effective option depends on your needs.

Popular Options:

1. Bank Transfers

   • Direct transfers from your foreign bank account to a Pakistani bank account.

   • Safe and regulated by banking authorities.

   • May take 1–5 business days depending on the bank.

2. Online Money Transfer Services

   • Examples: Wise (formerly TransferWise), Remitly, Xoom, and Western Union.

   • Fast, often instant, and lower fees than traditional banks.

   • Fully digital; track your transfer in real-time.

3. Mobile Wallets & Fintech Apps

   • JazzCash, EasyPaisa, and UBL Omni accept international transfers.

   • Convenient for recipients who don’t have a bank account.

Step 2: Verify Your Recipient’s Information

Accuracy is crucial to avoid delays or lost funds.

• Bank Account Transfers: Ensure correct account number, branch code, and recipient name.

• Mobile Wallets: Confirm the correct mobile number linked to the wallet.

• Double-check spellings and account details before initiating the transfer.

Step 3: Compare Exchange Rates and Fees

Currency conversion rates and transfer fees vary significantly.

• Check multiple providers before sending money.

• Even small differences in exchange rates can affect large transfers.

• Some services offer “zero fees” but may have lower exchange rates.

• Use calculators on platforms like Wise or Remitly to estimate final delivery amounts.

Tip: Sending larger amounts in one transfer often reduces fees compared to multiple smaller transactions.

Step 4: Register & Authenticate Your Account

Before sending money, most services require account verification:

• Identity Verification: Passport, CNIC, or driver’s license.

• Address Verification: Utility bill or bank statement may be required.

• Payment Method Authentication: Linking your foreign bank account, debit/credit card, or PayPal.

This step ensures compliance with international money transfer regulations and protects your money from fraud.

Step 5: Initiate the Transfer

Once your account is verified:

1. Select the amount to send.

2. Enter the recipient details accurately.

3. Choose the delivery method (bank transfer, wallet deposit, or cash pickup).

4. Review all details carefully.

5. Confirm and complete the transaction.

Step 6: Track Your Transfer

Most modern services provide tracking:

• Receive a transaction reference number.

• Use the provider’s online platform or app to monitor transfer status.

• Notify the recipient when the funds are available.

Tip: Keep all receipts until the recipient confirms the money is received.

Step 7: Ensure Safety and Security

To send money to Pakistan from abroad safely, always follow these precautions:

• Use licensed and regulated providers.

• Avoid sending money through unofficial channels or strangers.

• Be cautious of phishing emails or calls claiming to be from banks.

• Enable two-factor authentication on your accounts.

Common Mistakes to Avoid

1. Entering wrong recipient details.

2. Ignoring high transfer fees or poor exchange rates.

3. Sending through unverified or unofficial platforms.

4. Forgetting to track your transfer until confirmed.

Additional Tips for Frequent Transfers

• Consider setting up recurring transfers for regular support to family.

• Compare services periodically to find the best rates and fees.

• Keep your digital records organized for tax and auditing purposes.

FAQs

1. How long does it take to send money to Pakistan from abroad?

Depending on the service, transfers can take minutes to 5 business days. Online platforms are usually faster than traditional banks.

2. Are international transfers safe?

Yes, as long as you use regulated banks or licensed services. Always verify the recipient details and monitor the transaction.

3. Can I send money to a mobile wallet in Pakistan?

Yes, services like JazzCash and EasyPaisa allow direct deposits to mobile wallets without a bank account.

4. Which method is cheapest for sending money to Pakistan?

Digital money transfer services often have lower fees and better exchange rates than traditional banks.

5. Can I track my transfer?

Yes, almost all services provide a transaction reference number to track the money until it is received.

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