Key Takeaways
- Wise is available in Pakistan, but it mainly works for sending money overseas;
- You can’t receive money directly into a Wise account, hold multiple currencies, or access its earning feature;
- At the time of writing, Pakistani residents can’t apply for a Wise debit card.
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Wise often takes center stage whenever people talk about international transfers: moving money back home, settling international payments, getting paid from abroad – you name it. But despite the reputation, it’s no secret that Wise doesn’t cover every single territory in the world. And that’s usually the moment you start wondering, “Is Wise available in Pakistan?” which is probably what brought you here.
A lot of providers claim to support a country, only for you to discover later that key features are missing, restricted, or simply not available. Sometimes you’re able to sign up, but hit a wall when it’s time to send money home. Other times, you’re blocked right from the start. Either way, it’s a letdown.
So instead of guessing or relying on half-answers, let’s take a proper look at Wise availability in Pakistan, what you can use it for, and where it might fall short. And if it turns out it isn’t the right platform for your situation, I’ll also point you toward a reliable alternative you can consider.
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Table of Contents
Is Wise Available in Pakistan?
Yes, Wise is available in Pakistan. The country is among the 160+ supported by the platform, making it accessible for digital-first users who prefer sending and receiving money online.
Latest Deal Active Right Now:That said, the word “available” here does need a bit of context. It means Wise has a presence in the country, not that you get the full experience. Whether you can actually use it the way you want to achieve what you’re aiming for is a different story altogether.
Now, if you ask me, “Can I use Wise in Pakistan?” The answer is also yes. But once again, it’s a yes to a certain extent.
One thing that the platform supports is transferring money to different countries. You can use the service to send low-cost international transfers in more than 80 currencies, including USD, GBP, INR, CNY, and AED.
This feature is most useful for Pakistan-based users who need to make outbound transfers. If you’re paying for something abroad, supporting a family member studying overseas, or handling expenses outside the country, Wise can get the job done.
Here are the payment methods you can use to make a transfer to Pakistani rupees with Wise (based on an example of sending USD 1,000 at the time of writing):
Est. Fee | Est. Arrival Time | |
|---|---|---|
Connected Bank Account (ACH) | $8.59 | In a few seconds |
Wire Transfer | $12.97 | Around 5 hours |
Debit Card | $19.18 | Around 30 minutes |
Credit Card | $68.20 | Around 30 minutes |
Table: Wise payment methods
At a glance, Wise does offer a relatively flexible way to send money back home to Pakistan. Linking a bank account and paying via ACH is usually the lowest-cost option, with the transfer shown as arriving in a few seconds. Other methods like wire transfers or card payments are available too, but they come with higher fees and longer estimated arrival times.
PKR transfers are only for individual accounts. Also note that transfers to Asaan accounts can be rejected once the PKR 500,000 limit is reached.
But what about everything else? Can I use Wise in Pakistan to receive payments? Does it let you hold multiple currencies? Let’s take a closer look.
📚 Check Out: Pakistan Currency Explained
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Wise Availability in Pakistan: What You Can’t Do
While you can use Wise in Pakistan to make international payments in multiple currencies, some features are more limited than you might expect. This is particularly relevant for Pakistani citizens looking to depend on the platform, as some of the key features aren’t available:
- Receiving money via account details;
- Managing multiple currencies;
- Using PKR as the source currency;
- Spending abroad with a Wise debit card;
- Interacting with cryptocurrencies;
- Accessing the earning features.
First off, Pakistan-based users don’t get account details that allow them to receive local or international payments directly. These are the unique bank details (like IBANs, sort codes, or routing numbers) linked to specific currencies. Usually, you would share these details with a person or a business so they can send you money from their bank.
With this feature unavailable, Wise can’t be used to receive money, even if the sender is also using the app. For freelancers in Pakistan taking on international gigs, this limitation can be frustrating and forces you to look for another way to get paid.
Another feature you’ll miss out on is Wise’s multi-currency functionality. Users with a Pakistani ID can’t hold balances in different foreign currencies or switch between them within the app. Currency exchange only happens as part of a transfer, not as a standalone feature, which makes Wise less practical if you’re trying to hedge against PKR or manage money across borders.
Speaking of the Pakistani rupee, I should also mention that you can’t use PKR as a source currency on Wise. In practice, this makes the platform less useful for a day-to-day cross-border payment. You can’t just pick PKR on the platform, have it converted, and send it overseas.
Wise also mentions that its debit card can’t be used for overseas spending. That’s a bit of a letdown, since it takes away international payments, online shopping, and cash withdrawals at Visa and Mastercard locations, including stores, restaurants, transport hubs, and global websites.
If you’re into digital assets, there’s also some bad news. Wise keeps crypto-related interactions quite limited due to legal and regulatory reasons. As the platform puts it:
We don’t support the purchase, exchange, or trading of cryptocurrencies – it's against our acceptable use policy.
So basically, you can’t use Wise to buy crypto tokens, move them to external wallets, receive them from unlicensed exchanges, or get paid through peer-to-peer trades. Trying to go beyond these limits may lead to rejected payments or, in more serious cases, your account could be closed.
Lastly, you don’t get access to Wise’s earning feature. It’s a useful tool that lets you store your assets and grow them steadily with relatively low risk. Unfortunately, it’s region-restricted, and Pakistan isn’t on the supported list.
Taken together, this is why if you ask me, “Does Wise work in Pakistan?” I’d say yes it does, but you won't get the full experience. You’ll get a nice main course when it comes to sending and receiving money to or from the country. Just don’t expect any appetizers or dessert.
📚 Check Out: Best Way to Send Money to Pakistan
Wise Card in Pakistan: Does It Work?
Basically, there are two ways to answer this question depending on your circumstances.
If you want to know whether you can use a Wise card as a Pakistan-based user, then the answer is no. As of writing, the debit card isn’t available to the local residents. Still, you can sign up for the waitlist and see if Wise eventually expands card availability to Pakistan in the future.
However, it’s a different story if you already have a Wise card issued in an eligible country. While you’re in Pakistan, the card should work anywhere Visa or Mastercard is accepted. You can pay in shops, restaurants, or online just like you would with any regular international debit card.
At the time of writing, Wise provides debit cards to personal customers in the following countries and regions:
✓ Australia | ✓ Brazil | ✓ Canada |
✓ EEA | ✓ Japan | ✓ Malaysia |
✓ New Zealand | ✓ Philippines | ✓ Singapore |
✓ Switzerland | ✓ United Kingdom | ✓ United States (except Nevada) |
Table: Wise card availability by country
You’ve also got a couple of options for using a Wise card in Pakistan. First, you can spend as you go and let Wise automatically convert your balance to PKR at the time of the transaction.
This is the option I’d recommend if you don’t feel like stressing over timing or doing the math on your spending.
Alternatively, you can also convert your money in advance. Wise lets you exchange your home currency into Pakistani rupees within your account and decide how much to allocate for spending. When you make a payment in Pakistan, the card pulls funds from your PKR balance.
This is the option I’d suggest if you want more control over your spending during the travel.
Either way, be sure to watch out for the Wise card fees:
Card issuance | $9 |
|---|---|
Express delivery | From $11.58 |
Card replacement | $5 |
Topping up external wallets | 2% |
ATM withdrawals (up to $100) | 2 free withdrawals per month, then $1.5 per withdrawal |
ATM withdrawals (over $100) | 2% of the amount over $100 for the first 2 withdrawals; after that, $1.5 + 2% over $100 |
Table: Wise card fees
There’s also a small conversion fee when you swap currencies, which you can check in the Wise app or on the website. Other than that, you won’t need to pay foreign transaction fees when using the card in Pakistan, and there’s no monthly subscription fee either.
📚 Check Out: How to Send Money With a Debit Card
Fees, Rates, and Limits
Another question that usually comes up right after “Is Wise available in Pakistan?” is about the cost of using it. The platform promotes its pricing as transparent and “pay-as-you-go" with no subscription fees and fair conversion rates. While that’s mostly true, things can get a little fuzzy at first.
One reason for the confusion is that Wise doesn’t follow a fixed fee structure. Costs change depending on the currency, transfer amount, and payment method, and fees can also be updated from time to time. For that reason, it’s a good idea to look up the most recent figures on the official site.
The general idea is that Wise charges a variable percentage fee. For major currency conversions, it starts at 0.33% and then adjusts based on a few factors:
- Currency. Fees vary depending on the currencies you’re sending from and to. That’s because different currency pairs come with different conversion and local transfer costs.
- Transfer amount. Wise calculates its fee as a small percentage of the total amount sent, with possible extra components depending on the transaction.
- Payment method. The way you pay also affects the cost. Bank transfers and card payments, for example, are priced differently.
Thankfully, Wise is pretty transparent about it. Before confirming a transfer, you’ll see a full breakdown of the fees, the rate, and the amount the recipient will get.
Wise is also known for using the real mid-market exchange rate, the one you see when you look up USD to PKR on Google. It’s basically the halfway point between buy and sell prices on the global market, which many see as the most accurate reference for exchange value.[1]
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Bank - free Card - varies SWIFT - varies |
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Table: Wise pricing structure
There’s also a discounted rate if you’re sending a larger amount of money. Wise applies this automatically once your total transfers or currency conversions go over USD 25,000 (around PKR 7,000,000 at the time of writing) within a calendar month. Basically, the more you send, the more you save on fees.
You can send up to 35,000,000 PKR per transfer.
Ogvio: The Wise Alternative in Pakistan
By now, it should be clear that Wise is available in Pakistan only to a certain extent. And those missing features you can’t access? Yeah, that part can be disappointing. Wise works for some outbound use cases, but once you need more flexibility, the limitations become hard to ignore.
Sure, there are ways to work around some of them. But if you ask me, one of the more practical ways to deal with the limitation of Wise availability in Pakistan is simply to look at alternative services that are built with fewer restrictions.
Which brings me to Ogvio, the next-generation online money transfer platform.
Ogvio is a free-to-use global money service designed to make sending, receiving, and managing funds much less rigid. You don’t need to look for workarounds because the platform offers the features needed to keep transfers to Pakistan simple, transparent, and flexible.
Take receiving money as an example. Ogvio simplifies inbound transfers with its unique @Tag feature, making the process more intuitive. By simply entering another user’s handle, you can send money straight to their account from anywhere, anytime. It’s like DM-ing your family a heartwarming message, with cash on top.
Aside from being more flexible, Ogvio also offers a more affordable transfer experience. For example, sending $500 to a local bank account would cost roughly $1.31 in fees (at the time of writing). Wise’s mid-market rate does keep things clear and cheap, but Ogvio manages to push the total cost even lower.
Another area that makes Ogvio a better alternative, especially if you’re dabbling in digital assets, is the freedom to interact with cryptocurrencies. On top of free transfers to external crypto wallets (which Wise doesn’t offer), you can trade major assets like BTC & ETH within the platform.
Security is another point worth discussing. Ogvio uses industry-standard protections to secure user data and funds, including 256-bit AES encryption and biometric security. More importantly, though, it’s built around a self-custody model. That means you stay in total control of your funds, with no third party (not even Ogvio) having access to them.
So if you’ve heard stories about relatives being unable to withdraw money because their bank froze their account, yeah, that’s not the kind of situation you run into with Ogvio.
📚 Check Out: Wise Alternatives
How to Deposit Money to Ogvio
Rather than going back and forth on pondering is Wise available in Pakistan for every little use case, why not try a more practical route and see how Ogvio performs? If you’re interested, simply follow this step-by-step process to get started:
Once you sign up, a verification code will land in your email inbox. Make sure to enter it to activate your account, and remember to accept the terms before finalizing.
![Is Wise available in Pakistan: click on [Add Money].](https://assets.bitdegree.org/images/is-wise-available-in-pakistan-ogvio-add-money.jpg "Is Wise available in Pakistan: click on [Add Money].")
- Bank transfer;
- Card transfer;
- Crypto transfer;
- Receive from Ogvio users;
- Request money.
For this example, I’m selecting the recommended [Bank Transfer]. Of course, feel free to pick whichever option suits your situation best. The interface is straightforward and guides you through each step clearly, so no matter which option you choose, you shouldn’t run into any issues.
You can use Ogvio without verifying your identity, but you’ll need to complete it to unlock all of its features, including bank-related transactions.
Be sure to check the details thoroughly, including the payment method, estimated transfer time, and the exchange rate you’ll receive. If everything looks right, click [Confirm].
Your funds should arrive shortly, and once they do, your balance will be updated on the main screen. If anything looks off, contact the Ogvio support team and share your transfer ID. They should be able to help you promptly.
Your money is instantly converted to EUR or USD, the world’s most stable currencies.[2] This feature makes Ogvio a good place to protect your funds against inflation.
How to Send Money With Ogvio
Does Wise work in Pakistan for receiving cross-border transfers directly into your account? Not in the way many people expect. If you're looking for a proper account-to-account transfer, Ogvio supports that use case more cleanly.
Thanks to its @Tag feature, you can send money to someone without typing out long IBANs or copying wallet addresses, which are easy to mess up. Just pick the handle, enter the amount, and confirm. It's simpler and less error-prone.
![Is Wise available in Pakistan: click [Send Money] on the main dashboard.](https://assets.bitdegree.org/images/is-wise-available-in-pakistan-send-money-ogvio.jpg "Is Wise available in Pakistan: click [Send Money] on the main dashboard.")
For this guide, I chose [Send To Ogvio User] to show you that using a DM-style delivery can be one of the easiest ways to send money to Egypt.
![Is Wise available in Pakistan: select the [Send To Ogvio User] option.](https://assets.bitdegree.org/images/is-wise-available-in-pakistan-ogvio-tag-account.jpg "Is Wise available in Pakistan: select the [Send To Ogvio User] option.")
Once you add a recipient, they’re automatically saved to your contact list. Next time, there’s no need to re-enter the details.
And that’s basically it! The @Tag feature makes sending money to Pakistan much easier since you don’t have to enter bank details or wallet addresses.
The answer to “Is Wise available in Pakistan?” is still yes. But as you’ve seen, that availability comes with clear boundaries. Ogvio, on the other hand, lets you receive inbound transfers directly into your account, which makes it a better alternative if you regularly get paid from outside the country.
Ogvio Fee Structure
Wise is available in Pakistan at an affordable price, that’s true. But depending on how you want to send or receive money, Ogvio also offers a promising pricing structure that can help your family or friends back home receive more from each transfer.
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Bank - free Crypto - free Card - varies |
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Table: Ogvio pricing structure
Ever check the Google exchange rate, thinking your recipient will get that exact amount, only to find out they got way less? Ogvio addresses this by laying out the full cost and payout upfront, showing exactly what you pay and what the recipient receives before you confirm. That way, there are no hidden costs waiting to ambush you.
The fees are generally reasonable, but the exact cost still depends on the corridor and payment method you choose. For instance, bank transfers in Pakistan use the Raast Instant system for local payouts, so you’re getting speed and competitive rates in one go.
At the same time, Ogvio-to-Ogvio transfers and digital asset transfers don’t carry additional fees.
📚 Check Out: Ogvio Review
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Conclusions
So, is Wise available in Pakistan? Yes, it is. You can use the app to send money in multiple supported currencies, including USD, GBP, or EUR, to other countries. If you’re paying for something overseas or supporting family members living abroad, Wise can do that job just fine.
That said, there are some limits to what’s available. You can’t manage multiple currencies or swap between them, and you don’t get personal account details for direct transfers. As a result, anyone sending you money has to rely on a workaround.
In such cases, Ogvio works well as a Wise alternative in Pakistan, offering seamless direct payments and easy asset management in one place.
Scientific References
1. Soledad M.: ‘What Explains the Price of Remittances An Examination Across 119 Country Corridors’;
2. Todorova V.: ‘Safe Haven Currencies’.
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