How we make money. And how we don't.
Two charges, nothing hidden. We tell you both before you send.
Transfer Fee
£1.50
Flat fee per economy transfer. No percentage-based charges. Express transfers from £2.50. Your first 3 transfers are fee-free.
FX Margin
0.40%
Above the mid-market rate. That's how we make our money on exchange. We publish this number because you deserve to know it.
Fee by Destination
| Corridor | Economy Fee | Express Fee | FX Margin | Express Speed |
|---|---|---|---|---|
| 🇵🇰 Pakistan (PKR) | £1.50 | £2.50 | 0.40% | Minutes |
| 🇮🇳 India (INR) | £1.50 | £2.50 | 0.40% | Minutes |
| 🇧🇩 Bangladesh (BDT) | £1.50 | £2.50 | 0.40% | Minutes |
| 🇱🇰 Sri Lanka (LKR) | £1.75 | £2.75 | 0.40% | Same day |
| 🇳🇵 Nepal (NPR) | £1.75 | £2.75 | 0.40% | Minutes |
| 🇵🇭 Philippines (PHP) | £1.50 | £2.50 | 0.40% | Minutes |
£1,000 to Pakistan — Who Gives More?
Side-by-side comparison for a £1,000 GBP → PKR transfer.
| Provider | Fee | Rate (PKR/GBP) | FX Margin | Recipient Gets | Speed |
|---|---|---|---|---|---|
| LanovaPay | £1.50 | 371.01 | 0.40% | PKR 370,639 | Minutes |
| Wise | £4.72 | 370.80 | 0.45% | PKR 369,087 | 1-2 days |
| Remitly | £1.99 | 368.50 | 1.07% | PKR 367,770 | Minutes |
| Lemfi | £0.00 | 366.20 | 1.70% | PKR 366,200 | 1-2 days |
| WorldRemit | £1.99 | 365.80 | 1.80% | PKR 365,071 | Minutes |
| High Street Bank | £25.00 | 358.00 | 3.90% | PKR 349,050 | 3-5 days |
Rates as of May 2026. Competitor rates are indicative and change frequently. Last updated: 8 May 2026.
What we never charge.
A short list. We'd like it to stay that way.
What you see in our calculator is what you pay. Period.
Pay with your UK debit card at no extra cost.
Don't send for 6 months? No problem. We won't charge you for not using us.
Your LanovaPay account is free. Always.
Understanding the FX Margin
Mid-Market Rate
1 GBP = 372.50 PKR
The "true" rate — what banks trade at between themselves. Nobody actually offers this rate to consumers.
LanovaPay Rate
1 GBP = 371.01 PKR
We add 0.40% to the mid-market rate. That's £4 on a £1,000 transfer. High street banks add 3-5%.
Why don't we offer the mid-market rate? Because nobody can, sustainably. The margin is how we cover currency conversion costs and keep the lights on. We believe 0.40% is the honest answer: low enough to save you money, high enough to build a sustainable business.