How to Send Money to Pakistan from the UK: Complete Guide 2026
Sending money to Pakistan from the UK is something millions of British-Pakistani families do regularly. Whether you're supporting parents in Lahore, paying for a sibling's education in Karachi, or sending Eid money to cousins in Islamabad, finding the right transfer service matters.
How to Send GBP to PKR
There are several ways to send money from the UK to Pakistan:
- Online money transfer services (LanovaPay, Wise, Remitly) — usually the cheapest and fastest option
- Bank wire transfers — reliable but expensive, with 3-5% hidden FX markups
- Mobile wallet transfers — send directly to JazzCash, Easypaisa, NayaPay, or SadaPay
What Does It Cost?
The true cost of sending money has two parts: the transfer fee and the exchange rate markup (FX margin).
| Provider | Fee | FX Margin | Speed |
|---|---|---|---|
| LanovaPay | £1.50 | 0.40% | Minutes |
| Wise | £4.72 | 0.45% | 1-2 days |
| Remitly | £1.99 | 1.07% | Minutes |
| WorldRemit | £1.99 | 1.80% | Minutes |
| High Street Bank | £25+ | 3-5% | 3-5 days |
Payout Methods in Pakistan
Pakistan has a rapidly growing digital payments ecosystem. You can send money to:
- JazzCash — Pakistan's largest mobile wallet with 40M+ users. Instant delivery.
- Easypaisa — Telenor's mobile money platform. Instant delivery.
- NayaPay / SadaPay — Modern fintech wallets popular with younger Pakistanis.
- Bank accounts — All major banks including HBL, UBL, MCB, Allied Bank. 1-2 business days.
What You'll Need
As the sender (UK): A valid UK passport, driving licence, or BRP for KYC verification, plus a UK bank account or debit card.
Your recipient (Pakistan): A valid CNIC (Computerised National Identity Card) number, and either a bank account or registered mobile wallet.
Tips for Getting the Best Rate
- Compare providers before every transfer — rates change daily
- Send larger amounts less frequently to minimise per-transfer fees
- Use open banking (bank transfer) instead of card — no card processing fees
- Take advantage of first-transfer promotions (LanovaPay offers 3 fee-free transfers)
- Avoid sending on weekends when bank processing may be delayed