Key Takeaways
- Not all global payment platforms support Pakistan, so choosing the right method matters;
- Different transfer options come with different trade-offs between speed, fees, and accessibility for the recipient;
- Using a platform with multiple payout methods, like Ogvio, gives you backups when an option to transfer money to Pakistan from the UK doesn't work.
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If you ever look up how to send money to Pakistan from the UK, you may be misled into using platforms that don’t fully work in Pakistan. Not every global payment platform supports Pakistani users, and the ones that do often come with limits.
After trying different options, Ogvio is one of the few platforms that actually works end-to-end. It supports multiple top-up and payout methods, so you always have a backup when one option isn’t available.
Follow along to see how Ogvio works and which transfer option fits your situation best. I’ll also show you what to watch out for before completing a money transfer to Pakistan from UK.
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Table of Contents
- 1. Why Most Payment Platforms Fail When Sending Money to Pakistan
- 2. Introducing: Ogvio
- 2.1. Create an Account
- 2.2. Deposit Your Money
- 2.3. Send Your Money
- 3. What is the Best Method to Send Money From the UK to Pakistan?
- 3.1. Ogvio @Tag
- 3.2. Bank Transfers
- 3.3. Crypto Transfers
- 3.4. Payment Link
- 4. Common Mistakes to Avoid
- 5. Conclusions
Why Most Payment Platforms Fail When Sending Money to Pakistan
Many popular international payment providers that UK users rely on, such as PayPal, Stripe, and even Wise, don’t fully support receiving funds in Pakistan at the time of writing. So, learning how to send money to Pakistan from UK can be tricky if the British users rely on those platforms heavily.
Latest Deal Active Right Now:In some cases, Pakistani users can’t open accounts at all; in others, they can’t withdraw or access incoming payments easily. This isn’t just a platform issue, since it’s tied to a wider digital and financial gap[1] that still exists in the country.
While digital payments and online services have expanded rapidly worldwide, access hasn’t grown evenly.
In Pakistan, factors like uneven internet access, urban-rural differences, income and education gaps, and policy limitations influence how people use digital tools. Most people also still rely on cash for everyday purchases. These barriers make it harder for global payment platforms to operate smoothly, and even harder for everyday users to rely on them for receiving money from abroad.
Pakistanis often have to dig much deeper when figuring out how to receive money from abroad, making sure the service works on both ends, supports local withdrawals, and doesn’t trap funds in the process. This is a bit ironic, considering that Pakistan is home to an estimated 2.37 million active freelancers.
For freelancers and remote workers, the absence of global payment services creates a real gap. They may work with international clients, earn in foreign currencies, and deliver services globally, but still struggle when it comes to getting paid.
At the same time, UK senders need to be extra careful to make sure the provider they choose not only works in the UK, but also allows funds to be received and withdrawn smoothly in Pakistan. A transfer that looks successful on the sender’s side doesn’t always mean the recipient can actually access the money.
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Introducing: Ogvio
This is where platforms like Ogvio come in. Instead of relying on a single payout and top-up method, Ogvio supports multiple ways to send and receive money in Pakistan.
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Table: Ogvio's asset movement
Ogvio’s payout variety makes it easier for UK senders to choose a method that works locally, and for Pakistani recipients to receive funds without running into the usual platform restrictions. You're not locked into a single flow. If a bank transfer isn’t ideal, you can switch to a payment link. If card payments aren’t convenient, crypto transfers or @Tag transfers are there as alternatives.
Everything stays within one platform, so you’re not forced to open multiple apps or move funds around just to get paid. The ability to switch between bank transfers, crypto, or in-app transfers helps users send money to Pakistan from UK at the best rate more consistently.
Create an Account
Let’s start with the basics on how to send money to Pakistan from UK with Ogvio: setting up your account. The process is generally simple because you don’t need to upload ID cards or do complex facial verification just to get to the dashboard.
![How to send money to Pakistan from UK: the [Get Started] button on Ogvio's homepage highlighted.](https://assets.bitdegree.org/images/how-to-send-money-to-pakistan-from-uk-ogvio-get-started-homepage.jpg "How to send money to Pakistan from UK: the [Get Started] button on Ogvio's homepage highlighted.")
Once that’s done, your account is ready – no need to pass an identity verification just to set up your account. You can already send and receive funds with other Ogvio users, top up your balance using crypto or a card, and trade crypto.
Ogvio is available in over 160 countries, but there are some exceptions for now. For example, users in certain regions, such as the United States, may not be able to complete KYC. They can still use Ogvio, but access to bank transfers will be restricted.
Don’t worry; UK and Pakistani users can complete KYC without issue, which means they can unlock full features, including bank transfers.
Deposit Your Money
Once your account is ready, the next step is adding funds to your balance. While Ogvio offers several top-up options, this guide focuses on bank transfers, which are available after completing KYC. That being said, you’re not limited to bank transfers. You can fund your account using crypto transfers (often free and no verification needed) and make a card payment.
![How to send money to Pakistan from UK: an arrow pointing at the [Add Money] menu on Ogvio.](https://assets.bitdegree.org/images/how-to-send-money-to-pakistan-from-uk-ogvio-dashboard-add-money.jpg "How to send money to Pakistan from UK: an arrow pointing at the [Add Money] menu on Ogvio.")
![How to send money to Pakistan from UK: the [Bank Transfer] menu outlined.](https://assets.bitdegree.org/images/how-to-withdraw-money-from-fiverr-ogvio-top-up-methods.jpg "How to send money to Pakistan from UK: the [Bank Transfer] menu outlined.")
The funds should appear in your account shortly, depending on how fast your bank processes the transfer. Keep in mind that deposit and conversion fees vary by bank and currency, but Ogvio shows all applicable fees upfront before you confirm the transfer.
Send Your Money
Once your account is set up and funded, the next step is choosing how you want to send your money. Ogvio offers several transfer options, each designed for different situations: using @Tag, bank transfer, crypto transfer, and payment links.
Without a Bank Account
One of the biggest advantages of using Ogvio is how easy it is to send money to other Ogvio users. If you're looking for the best way to send money to Pakistan from UK in terms of speed and cost, this in-platform method is a good fit because it's instant, free, and doesn’t require KYC.
You don’t need a bank account, card details, or long recipient forms because you only need to type the recipient’s @Tag. It’s a simple option if you want to move money quickly without dealing with fees or verification steps. Here’s how to send money from UK to Pakistan using Ogvio's @Tag:
![How to send money to Pakistan from UK: the [Send Money] button on Ogvio's dashboard outlined.](https://assets.bitdegree.org/images/how-to-send-money-to-pakistan-from-uk-ogvio-send-money-outlined.jpg "How to send money to Pakistan from UK: the [Send Money] button on Ogvio's dashboard outlined.")
![How to send money to Pakistan from UK: an arrow pointing the [+ Send to new recipient] button.](https://assets.bitdegree.org/images/how-to-send-money-to-pakistan-from-uk-ogvio-send-to-new-recipient.jpg "How to send money to Pakistan from UK: an arrow pointing the [+ Send to new recipient] button.")
That’s it; your money is sent instantly, with no fees and no bank account involved. Just make sure the Pakistani recipient has an Ogvio account set up beforehand.
Via a Bank Transfer
If you or the recipient prefers to send money directly to a bank account, this section is for you. Ogvio supports 30+ banks in Pakistan, including The Bank of Khyber, Bank Alfalah, and Habib Bank Limited, making it easy to transfer money to Pakistan from UK to local banks.
Even if you deposit funds in GBP, Ogvio automatically converts your balance to USD or EUR for stability. When you choose Pakistani rupees (PKR) as the payout currency, the recipient will receive the funds in PKR automatically – no need to handle any manual conversion.
Note that using bank transfers on Ogvio may require you to complete identity verification throughout the process.
Follow the steps on how to send money from UK to Pakistani bank accounts:
When sending to a UK bank account, you’ll need to enter standard UK banking details, such as the sort code (a 6-digit number that identifies the bank and branch) along with the account number, account type, and the recipient’s name. As long as the details are entered correctly, you’re good to go!
📚 Read More: How to Transfer Money From One Bank to Another
Via Crypto
Crypto transfers are often the go-to option for faster settlements, especially when traditional bank transfers feel slow, expensive, or simply unavailable. This may be the best way to send money to Pakistan from UK for Pakistani recipients who prefer holding funds in USDC before converting or withdrawing later.
Since Ogvio handles crypto transfers inside the app, the whole process stays simple and beginner-friendly with no external wallets or complicated setups needed. Here are the steps to send USDC on Ogvio:
![How to send money to Pakistan from UK: a list of Ogvio transfer methods, with the [Crypto wallet] menu highlighted.](https://assets.bitdegree.org/images/how-to-send-money-to-pakistan-from-uk-ogvio-transfer-methods-crypto-wallet.jpg "How to send money to Pakistan from UK: a list of Ogvio transfer methods, with the [Crypto wallet] menu highlighted.")
Make sure the wallet supports USDC on the Base network to avoid failed transfers.
That’s it; your crypto is on the way. As long as the wallet details and network are correct, this method offers one of the smoothest ways to settle a money transfer to Pakistan from UK with minimum delays and fewer geographic or banking-related limits.
With a Payment Link
Pakistani freelancers and remote workers can turn to Ogvio’s payment link when they need a simple way to get paid by international clients. With a payment link, Pakistani users can request payments without sharing bank details, while you, as a UK sender, only need to open the link and complete the payment.
If you're interested, follow these steps that are done on the recipient’s side:
![How to send money to Pakistan from UK: the [Request Money] menu on Ogvio highlighted.](https://assets.bitdegree.org/images/how-to-send-money-to-pakistan-from-uk-ogvio-request-money.jpg "How to send money to Pakistan from UK: the [Request Money] menu on Ogvio highlighted.")
Once created, the link can be copied and shared directly with the sender. Understanding how to send money to Pakistan from UK this way works especially well for Pakistani freelancers working with UK clients who want a fast, professional, and low-friction way to receive payments.
What is the Best Method to Send Money From the UK to Pakistan?
Below is a breakdown of the pros and cons of each Ogvio transfer method, so you can choose the option that best fits your situation, whether you prioritize speed, cost, convenience, or payout method.
Ogvio @Tag
When both the UK sender and the Pakistani recipient already have an Ogvio account, sending money via an @Tag transfer is hands down the cheapest and fastest method available.
Instead of dealing with banks, wallet addresses, or payment links, you simply send money directly to the recipient’s Ogvio username (@Tag). The transfer happens instantly inside the platform, with zero fees and no bank account required on either side.
To make this method work, both the sender and recipient must have an active Ogvio account, as transfers are made internally within the platform. Funds sent this way stay inside Ogvio until the recipient chooses to withdraw them to a bank account or transfer them via crypto.
Ogvio is still rolling out its card feature, which means you can’t spend your balance directly just yet. However, once it’s live, paying straight from your Ogvio balance should be much easier.
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Bank Transfers
If you or the recipient prefers money to land directly in a Pakistani bank account, Ogvio’s bank transfer option is the most familiar route. This method works well for recipients who rely on traditional banking or need funds in PKR for everyday expenses.
Bank transfers on Ogvio do come with a few things to keep in mind. First, you’ll need to complete KYC before this option is unlocked, since sending money to a bank requires identity verification. It’s a one-time process, but it does add an extra step compared to instant in-app transfers.
Fees can also show up. While Ogvio is transparent on its side, the recipient’s bank may charge an inbound remittance fee, and that part is out of Ogvio’s control. Moreover, Ogvio converts deposits to USD or EUR first, so the final amount received in PKR can vary slightly based on exchange rates at the time of transfer.
Still, in many cases, recipients don’t pay anything to receive money, especially when processed under government-backed programs like the Pakistan Remittance Initiative (PRI) or Roshan Digital Accounts (RDA).
The PRI itself is a joint effort of the State Bank of Pakistan, the Ministry of Overseas Pakistanis & Human Resource Development, and the Ministry of Finance. Established in 2009, this program aims to make sending money to Pakistan more transparent and efficient.[2] Programs like the Sohni Dharti Remittance Program (SDRP) even reward overseas Pakistanis for sending money through compliant routes.
On Ogvio’s side, PKR transfers run through Raast, Pakistan’s instant payment system.
Raast lets money move in real time between banks in Pakistan securely and usually without extra fees. So when you’re sending PKR via Ogvio, you’re not stuck waiting on old-school correspondent banks. The transfer typically moves way more efficiently than traditional remittance routes.
Timing is another factor. Unlike @Tag or crypto transfers that go through almost instantly, bank transfers can take longer depending on the payment method and the recipient’s bank in Pakistan.
Based on my experience, Ogvio may show an estimated processing time of up to six hours, but the transfer often lands much faster (often almost instantly). It’s still reliable and relatively quick, just not always as immediate as in-app transfers if you’re in a real hurry.
Crypto Transfers
Crypto transfers on Ogvio are all about speed and flexibility. Since Ogvio uses USDC, you’re not dealing with wild price swings, which already removes one of the biggest headaches people associate with crypto. Once sent, funds usually arrive almost instantly.
If the recipient later decides to withdraw funds to a bank account, Ogvio handles the conversion automatically, so there’s no need to manually swap currencies or stablecoins before cashing out.
The main thing to be careful about here is accuracy. Wallet addresses and networks matter. Sending USDC to the wrong network can mean your funds are stuck or lost, so this option is best for users who are at least somewhat comfortable with crypto basics.
Overall, for users who know what they’re doing or who want fewer banking limits, crypto transfers are one of the most efficient ways for an online money transfer from UK to Pakistan.
Payment Link
Payment links are one of the easiest ways for Pakistani freelancers to get paid, especially when working with UK clients who don’t want to deal with bank details or crypto wallets.
You can generate the link for free and drop it into an invoice, email, or just send it over WhatsApp, Slack, or any chat you’re already using. Instead of explaining how Ogvio works, you just send a link, and that’s the payment request done.
That said, this method depends on the sender taking action. The UK user still needs to open the link and complete the payment, so it’s not as instant as an internal @Tag transfer. It works great for invoices or client payments, but it’s less ideal for urgent matters.
The total cost also depends on how the sender pays. If the UK user completes the payment with a card, card processing fees may apply, which can make larger transfers less cost-efficient compared to bank or crypto options. That’s why payment links work best for small to mid-sized payments where convenience is necessary.
Speed | Fees | KYC Required? | Bank Account Needed? | Best For | |
|---|---|---|---|---|---|
Ogvio @Tag (Username Transfer) | Instant | Free | ✗ | ✗ | Fastest and cheapest transfers between Ogvio users |
Bank Transfer (via Ogvio) | Fast (minutes to a few hours) | Low-Medium | ✓ | ✓ (recipient) | Directly to Pakistani bank accounts |
Crypto Transfer (USDC) | Near-instant | Low | ✗ | ✗ | Borderless payments with minimal delays |
Payment Link | Fast (depends on sender action) | Low-Medium | ✗ (for link) | ✗ | Freelancers invoicing UK clients easily |
Table: Comparison of Ogvio's transfer methods
As you can see, each Ogvio transfer method serves a different purpose. The right choice depends on whether you prioritize speed, cost, payout method, or ease of use.
📚 Read More: Best Ways to Send Money to Pakistan
Common Mistakes to Avoid
Following a guide on how to send money to Pakistan from UK isn’t complicated, but small oversights can slow things down or create unnecessary friction. Many issues may actually come from assumptions about speed, fees, or how recipients can actually access their funds.
Keep these common mistakes in mind to help you avoid delays and make the process smoother on both ends.
1
Using platforms that don’t support Pakistani withdrawals. Many global services allow sending money but restrict withdrawals in Pakistan. So, always confirm local payout support before transferring funds.
2
Not checking how the recipient prefers to receive funds. Some recipients want PKR straight to their bank account, while others prefer holding USDC. Ensuring their preference beforehand helps you pick the right method and keeps everyone happy.
3
Forgetting that KYC is required for bank transfers. Bank transfers typically require identity verification. If KYC isn’t completed ahead of time, your transfer may be delayed or blocked.
4
Assuming all banks process remittances at the same speed. Pakistani banks vary in how quickly they handle international transfers. Some clear funds in minutes, while others may take hours.
5
Sending crypto on the wrong network. Crypto transfers are helpful to avoid limitations, but only if the details are correct. Sending USDC on an unsupported network can delay the transfer or even cause funds to be lost. I suggest you always double-check the network before confirming.
A quick check before sending (e.g., network, payout method, and recipient preference) can save hours of delays later. The same works if you want to know how to send money from Pakistan to the UK. Overall, using a platform that offers multiple transfer options helps reduce these risks and keeps payments moving smoothly.
Browse our collection of the most thorough Crypto Exchange related articles, guides & tutorials. Always be in the know & make informed decisions!
Conclusions
Understanding how to send money to Pakistan from the UK is about choosing the right option for your situation. Sometimes speed matters most, and sometimes it’s simply about making sure the recipient can actually access the money without extra steps.
The good news is that with the right platform, you don’t have to force everything through a single route. Having multiple options, like bank transfers, crypto, or instant in-app transfers, gives you flexibility when one method doesn’t work as expected.
To keep things simple, use Ogvio and choose the method that works best: bank, crypto, payment link, or @tag.
Scientific References
1. Jamil S.: 'From Digital Divide to Digital Inclusion: Challenges for Wide-Ranging Digitalization in Pakistan';
2. Erdal M. B.: 'Juxtaposing Pakistani Diaspora Policy With Migrants’ Transnational Citizenship Practices'.
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