Best Way to Send Money to Pakistan

Money transfer has undergone numerous reinventions, and Ogvio seems ready to give the formula a much-needed upgrade.

Ogvio is still in its early stages, but its blueprint suggests what could soon become the best way to send money to Pakistan. The concept focuses on fast transfers, low fees, and a sense of currency stability from the ground up.

One highlight is Ogvio’s approach to being a sort of hedge against inflation. On the platform, user funds are kept in the form of USD or EUR - these two currencies act as a sort of buffer against local currency devaluation and exchange rate swings.

It is like placing your money in a stable vault while market fluctuations continue outside. The intended design aims to preserve value and prepare funds for transfer or withdrawal across more than 40 supported currencies.

Ogvio’s proposed system follows a non-custodial model. Meaning, your money is never held by banks, custodians, or even the platform itself. Wallets are designed to remain under the user’s full control, protected by AES-256 encryption and optional biometric authentication.

Additionally, transfers between Ogvio users will be completely free, with no hidden fees or subscription models. Intriguing, right?

Well, the technical backbone behind these low costs is provided by smart contract mechanics running in the background. In plain terms, the idea is simple: trim down unnecessary charges and keep transfers moving quickly, whether the destination is Karachi or London.

Ogvio also plans to operate in 160+ countries, including:

• Pakistan
• India
• United States
• United Kingdom
• Mexico
• Philippines
• And more

For a quick summary, here’s what to expect from Ogvio when it launches:

Availability	160+ countries
Supported currencies	40+ global currencies
Fees	✓ Free transfers within the platform ✓ Crypto transfers only require the gas fee
Transfer speed	Near-instant domestically and internationally
Integrations	Expected to support 7K+ banks and wallets worldwide, including Visa, Mastercard, PayPal, and Ledger
Additional features	✓ @Tag transfers ✓ Payment request links ✓ Supports cryptocurrencies ✓ Zero trading fees on crypto

Table: Ogvio feature overview

Since Ogvio has not gone live yet, anyone curious can get a head start by joining the waitlist on the official site. Early sign-ups will be among the first to test the platform once it becomes available!

Wise has been around since 2011, back when it was called TransferWise, and today it’s one of the most recognized names in international money transfers.

What started as a small idea in London now operates under licenses in more than 65 jurisdictions. A global footprint of this kind is reassuring for anyone seeking the best way to send money to Pakistan, as strong oversight helps ensure that transfers remain smooth and reliable.

Security is treated with equal seriousness. Your money remains separate from company funds, and Wise meets top standards with certifications such as SOC 1 and 2, PCI-DSS, and ISO/IEC 27001.

Fees lean on the lower side, from about 0.33% depending on the currency. However, sending money to another Wise user in the same currency is completely free of charge.

Cross-border transfers also use the mid-market exchange rate, which is essentially the rate banks and financial institutions use when trading with each other. That detail can make a noticeable difference when converting to PKR, since even small shifts add up quickly for families that depend on regular remittances.

Here are Wise’s features and costs at a glance:

Availability	160+ countries
Supported currencies	40+ currencies
Fees	✓ From 0.33% (varies by currency) ✓ 2% for some e-wallet top-ups
Transfer speed	Up to 2 working days
Bank partners in Pakistan	HBL, MCB, Bank Alfalah, UBL, Allied Bank
Additional features	✓ Exchange rates tracker ✓ Tiered discounts on transfers over 20,000 GBP (or equivalent)

Table: Wise feature overview

Families sending money regularly can count on Wise’s clear pricing, and professionals moving large sums can enjoy lower fees once transfers exceed 25,000 USD.

Among those handling corporate or freelance payments, Wise can be the best way to send money to Pakistan due to its worldwide availability and compliance framework. The only caveat is that paperwork may be requested for big amounts, such as payslips or contracts, to keep compliance in check.

Launched in June 2025, Krak builds on Kraken’s deep crypto background to offer a new way to move money globally.

Instead of starting small, it went global from the outset, linking more than 160 countries and covering over 300 fiat and digital currencies. Users in the UK, Gulf states, or even South Korea can connect directly with friends and family in Pakistan with just a few taps.

Most transactions between Krak users are free of charge. Currency conversions also show spreads upfront, so the cost of sending to Pakistan is always clear before you confirm. Depending on the region, payments can be funded by bank transfer, credit or debit cards, Apple Pay, Google Pay, PayPal, ACH, or even crypto deposits.

The user experience has its own unique flavor. Instead of long account numbers or routing codes, transfers can be sent with simple Kraktags, written as @yourname. Such simplicity echoes the app’s tagline:

Payments That Feel Like a Chat

To sweeten the process, daily transfers can trigger KrakBack rewards, where the first completed payment of the day generates small bonuses in crypto like BTC or DOGE. Over time, these rewards can accumulate, lending the app a playful edge alongside its financial function.

Here’s a quick look at Krak’s features in a table:

Availability	160 countries
Supported currencies	300 fiat and digital currencies
Fees	✓ Free internal transfers ✓ No fee for crypto trading ✓ Margin fee applies to leverage ✓ Withdrawal fees vary by asset
Transfer speed	Typically in seconds
Transfer limits	Min. $1 to another Krak user; default weekly send limit up to $15K
Additional features	✓ Crypto support ✓ Kraktags (@username) ✓ KrakBacks daily rewards ✓ Referral program

Table: Krak features overview

Overall, Krak refreshes international transfers with fast peer-to-peer (P2P) payments, covering remittances, invoices, and support in Pakistan through both fiat and cryptocurrency.

PayPal may not be directly available in Pakistan, but its service Xoom steps in to fill that gap. Running under the PayPal umbrella, Xoom brings the familiarity of PayPal to international money transfers.

If you're searching for how to send money to Pakistan from USA, or from other regions around the world, you can connect your PayPal account and use Xoom to move funds with your usual PayPal payment options.

Families who rely on cash can pick it up at partner branches across Pakistan, while mobile wallets such as Easypaisa and JazzCash extend convenience to anyone who prefers phone-based transactions. In certain areas, even home delivery of cash is possible, which is a relief for households far from major towns.

Security also follows the strict framework that PayPal has built over the years of operation. Transfers are wrapped in 128-bit encryption, and sensitive data is stored on private servers shielded by firewalls. What's more, every Xoom employee undergoes a thorough background check before joining.

PayPal’s licensing and supervision by US federal and state regulators further reinforces a setup designed with compliance and protection at its foundation.

Here’s a quick overview of how Xoom is structured:

Availability	160 countries
Supported currencies	Supported currencies vary by country
Fees	✓ Fixed fee or percentage depends on the methods and countries ✓ No fee if using PayPal balance or PYUSD
Transfer speed	Cash pickup or wallet in minutes; bank same-day if sent by 4:30 PM PKT (Mon–Fri)
Bank partners in Pakistan	HBL, MCB, Bank Alfalah, UBL, Allied Bank
Additional features	✓ Cash pickup ✓ Home delivery ✓ PayPal integration

Table: Xoom features overview

Basically, the choice of method defines how smooth the transfer feels. Depending on whether funds are deposited in a bank, wallet, or as cash, each family defines its own "best" method of money transfer to Pakistan.

WorldRemit stepped into the scene in 2010, founded in London by Ismail Ahmed, and has grown into one of the best-known digital-first money transfer platforms. The system has a strong international reach, linking mobile wallets, cash pickup points, and bank accounts across dozens of countries, including Pakistan.

Payment methods vary depending on the country from which you’re sending. In the United States, you can use debit, credit, or prepaid cards with a daily limit of $9,000.

Apple Pay works too, but each transaction is capped at $300. Understanding these options is key when learning how to send money to Pakistan from the USA, since families may have different preferences for speed or convenience.

Here’s a quick overview of how WorldRemit structures its service:

Availability	130+ countries
Supported currencies	70+ currencies
Fees	✓ No fee on the first transfer, ongoing charges depend on the country and payment method ✓ Third-party charges possible on mobile money withdrawals
Transfer speed	Instant for cash pickups; 1–2 working days for some bank transfers
Additional features	✓ Easy recurring transfers with Quick Resend ✓ Instant status updates via WhatsApp, SMS, and email

Table: WorldRemit features overview

The practical side of sending money depends on the method you choose. So, choose your best path!

Xe handles international transfers with speed and clarity. Operating under Euronet Worldwide, the platform leverages one of the world’s largest money transfer networks, providing senders and recipients with a trusted channel for transferring funds globally.

Those who want to send money to Pakistan from Canada or other regions can access mobile wallets like Askari Digital Wallet, Easypaisa, FirstPay, JazzCash, JCash, and Konnect by HB, alongside traditional bank deposits.

On the safety front, Xe keeps every transfer under close watch. Logins are secured with multi-factor authentication and biometric verification, account activity is monitored in real-time, and AI-driven threat detection works 24/7. Annual third-party penetration tests plus GDPR and CCPA compliance protect your data at all times.

Here’s a quick look at how Xe structures its transfers:

Availability	190+ countries
Supported currencies	130+ currencies
Fees	Fees depend on the country and payment method
Transfer speed	Up to 3 days
Transfer limit	$535,000 or currency equivalent for online transfers
Bank partners in Pakistan	Askari Digital Wallet, Easypaisa, FirstPay, JazzCash, JCash, and Konnect by HB
Additional features	✓ Multi-factor authentication and biometric verification ✓ ERP integrations and bulk payments for business account

Table: Xe features overview

With that in mind, choosing the right payment method can make a noticeable difference. Knowing what to expect helps make Xe a reliable choice for sending money to Pakistan smoothly and securely.

OFX plays in a different arena than personal remittance apps. The platform has been operational for over 25 years, with a strong focus on serving business clients that move large amounts of money across borders.

Entrepreneurs, exporters, and corporations use OFX to manage multi-currency accounts, schedule large transfers, and even handle payroll through its integrated tools.

Instead of juggling different platforms, companies keep accounts in over 30 currencies, settle invoices, and pay suppliers as if they were running a local bank account in each region.

OFX also connects to accounting software like Xero and QuickBooks, providing finance teams with a clear way to reconcile payments without requiring endless manual input. Even payroll can be processed directly, either through Employment Hero or with CSV uploads.

The card system extends that same approach into daily spending. Businesses can issue unlimited virtual cards for staff, projects, or subscriptions, each with custom controls that define merchant categories and spending limits.

Here’s a quick overview of how OFX lines up its features:

Availability	170+ countries
Supported currencies	50+ currencies
Fees	No fee on the first transfer, then charges depend on the country and payment method
Subscription pricing	✓ Standard ($0/month for 2 users) ✓ Full Suite ($25/month/user) ✓ Custom plans for enterprises
Transfer speed	Cash pickups in minutes, and major currencies can take 1–2 working days
Additional features	✓ Batch payments ✓ Recurring transfers ✓ Payroll integration ✓ Virtual cards with real-time expense tracking

Table: OFX features overview

The table above illustrates how OFX operates for businesses, pulling accounts, cards, and international transfers into a unified flow. Companies that work across borders may find the platform to be one of the best ways to send money to Pakistan.

Western Union has been transferring money across borders for more than 150 years, earning it a level of reliability that few providers can match.

The network in Pakistan is extensive, covering major banks such as Meezan Bank, HBL, UBL, and Allied Bank, as well as mobile wallets like Easypaisa. Multiple cash pickup locations make it convenient for recipients with varying access to banking services.

Once a transfer is set up, you can track it using a unique tracking number (MTCN), keeping tabs on it at every step. Exchange rate alerts help time your sending to maximize value, and transfers above $200 to qualifying bank accounts carry a $0 fee.

Every time you send money with Western Union, you rack up points through their Rewards program. Each completed transfer credits 100 points to your account once the recipient receives or picks up the funds. Points can be redeemed in increments of 500 for a discount of up to $2 on a transfer fee.

Occasional bonus offers give extra chances to rack up points, and members gain access to exclusive deals in the Western Union Rewards Shop. Even if a discount exceeds the fee, the full value is applied to the transfer, ensuring you never miss out on savings.

Here’s a quick look at how Western Union works:

Availability	200+ countries
Supported currencies	130+ currencies
Fees	$0 transfer fee on bank transfers over $200
Transfer speed	Cash pickups within minutes; bank deposits typically take 0-4 business days
Transfer limit	Up to $5,000 per transaction
Bank partners in Pakistan	Meezan Bank, Bank Al Habib, Faysal Bank, HBL, UBL, and more
Additional features	✓ Western Union Rewards ✓ Option to schedule transfers for special occasions

Table: Western Union features overview

Overall, the combination of global reach, multiple transfer options, and a tracking system makes Western Union a reliable choice for recurring payments or urgent transfers.