Sending Money Abroad from Pakistan: A 2025 Guide

Imagine moving abroad, finding a job and settling down or sending money from Pakistan to any other country. Which of these two scenarios seem harder to achieve? The answer may surprise you.  

Part of the reason sending money from Pakistan to anywhere in the world is because there is long procedural wait times, heavy fees and confusing processes. The other part is that there is not much demand for sending money abroad than it is to send money to Pakistan.  

According to some reports, over 9 million Pakistanis reside abroad, and a major chunk of this population sends money they earn back home as remittance, so it is understandable that more people are inclined towards finding ways to streamline that process. 

However, not everything is bleak in Pakistan. Modern solutions have sprung up in recent times such as Western Union, MoneyGram, Ria Money Transfer, Wise, etc., making the ordeal of sending cash outside of Pakistan easier.  

Each of these platforms comes with their own sets of processes and guidelines which need to be followed dutifully for you to send money abroad. If you want to know how to utilize each of these solutions, you will have to read till the end of this guide. Let us begin. 

Benefits of Using Modern Money-Sending Services from Pakistan 

Bank transfer has always been an option for sending money abroad, however, using modern, internet-based solutions have their own key benefits. These include: 

• Speed and Efficiency: Modern digital substitutes offer real-time transfers, removing the delays of conventional banking institutions. 
• Cost Savings: New fintech platforms frequently charge reduced fees and provide more competitive exchange rates. 
• Enhanced Security: Modern encryption and legal compliance using modern solutions safeguards your money all through the transaction. 
• User Convenience: Unlike the traditional ways of remittance transfer, a user-friendly interface on a mobile app makes international transfer as simple as a few taps on your smartphone. 

Imagine being able to handle overseas education tuition, pay international invoices, or help a loved one in an emergency free from the extra burden of excessive costs or lengthy documentation. You never know how selecting one right move can help you send money safely and securely. 

Another very important update about bank transfers is that State Bank of Pakistan has severely limited this mode of remittance transfer. This move is largely made for security reasons, which is why no one prefers to do it in this way. So, are there just money transfer operators and fintech companies that can help you out? Apparently so. Let’s see how. 

How to Send Money Abroad from Pakistan 

Money Transfer Operators (MTOs) 

Money Transfer Operators (MTOs) such as Western Union and MoneyGram are the only two operators which are doing international transfers. Other than normal banking channels, these have become increasingly popular because they are particularly useful when you need to send money quickly and securely. 

Western Union 

Sending money with Western Union is done easily via their app. All you have to do is to follow these simple steps: 

• Log In: If you already have the Western Union money transfer app, simply sign in with Touch ID or your credentials. Download it from the Apple App Store or Google Play Store if you do not yet have it. New users can register with just their email address, but you will be prompted to verify your profile with any government-issued ID, driver’s license, or passport. 
• Enter Details: Choose the destination country and the amount you wish to send from Pakistan to get started. 
• Select Payout Method: Depending on the country of your receiver, select whether the money will be sent directly to a bank account, for cash pickup, or to a mobile wallet. Then, enter the details of your receiver. 
• Make Payment: Pay for your transfer using either your bank account or a credit card. 
• Track Your Transfer: After completing the transfer, you’ll receive a tracking number (MTCN). Share this number with your receiver to help them monitor the money. If you’re sending to a mobile wallet, both you and your receiver will receive a text alert confirming the transaction. 

MoneyGram 

While online transfers from Pakistan to abroad are not available, residents can go to a physical MoneyGram agent location to send money. A MoneyGram account is not needed for agent location transfers. 

Mobile Wallets and Digital Fintech Platforms 

Digital platforms like JazzCash and Easypaisa have revolutionized the remittance process in Pakistan. These mobile wallets offer a user-friendly experience that lets you send money abroad using your smartphone. Unfortunately, they have yet to introduce an option to send money from Pakistan. 

Payoneer takes the lead in this competition, with quick transfers, low fees and low minimum transaction amount.  

Payoneer 

To send online money transfers internationally using Payoneer, follow these simple steps: 

• Logging in: The first step is to get the app. The Apple App Store or Google Play Store has the Payoneer app available for download. Log in or make an account. 
• Sending remittance: Select the sending country and receiving country. The app will present you with the transfer method you’d like to use. Choose it and enter the amount you’re transferring. 
• Add receiver’s information: Add the recipient’s information, including which account you’re sending to and where. You will have to know their IBAN and other relevant account details. 
• Confirm identity: Payoneer will ask for identity verification (proof of ID or proof of address) when transferring money abroad. We use this global payment documentation to keep your money safe and to prevent fraudulent transactions. 
• Complete the transaction: Once you have added both your and the recipient’s details, you can pay for the transfer. Transfer times depend on the service you use and the country you send to. You will receive payment updates from Payoneer throughout the process. 

Overcoming Local Challenges for Seamless Transfers 

While these modern methods provide incredible advantages, Pakistani users often face unique challenges. Here are some insights on overcoming these obstacles: 

Unstable Internet Connectivity 

Challenge: Internet access can be intermittent, leading to incomplete digital transactions. 

Solution: Schedule transfers during periods of stable connectivity. Additionally, use platforms that offer SMS-based confirmation or have offline features as backup options. 

Frequent Power Outages 

Challenge: Power interruptions can disrupt online transactions and data uploads. 

Solution: Plan money transfers during stable power periods. Consider using mobile wallet services that provide quick, SMS-confirmed transactions to minimize disruption during outages. 

Budget Constraints 

Challenge: High transfer fees can significantly reduce the amount received by the beneficiary. 

Solution: Compare various platforms to find the best exchange rates and lowest fees. Platforms like Wise and mobile wallets often offer competitive pricing and transparent fee structures, making them ideal for budget-conscious users. 

Regulatory Changes 

Challenge: Frequent updates in financial regulations can affect transfer processes and fees. 

Solution: Stay updated on the latest guidelines from the State Bank of Pakistan and use licensed, reputable services. Regularly check trusted financial news sources to monitor any changes that may affect your transfers. 

User Experience and Accessibility 

Challenge: Complex interfaces can be a major barrier for tech-averse users. 

Solution: Choose platforms known for their intuitive design and strong local customer support. Look for positive reviews and recommendations from fellow Pakistani users. 

Conclusion: Empower Your Global Transactions Today 

In today’s global landscape, the ability to send money abroad is essential for supporting family, funding education, and managing international business. The options available for Pakistani users have evolved dramatically, with modern solutions offering speed, efficiency, and affordability. Whether you choose traditional bank transfers, use money transfer operators, embrace mobile wallets, explore online forex services, or even venture into cryptocurrency transfers, there is a method that fits your needs and budget. 

Each approach comes with its own set of benefits and challenges, but by staying informed, planning, and leveraging the latest updates as of April 2025, you can effortlessly manage your international remittances. Embrace these seamless methods, unlock the full potential of digital financial transactions, and take control of your global money transfers today. Your ability to send money abroad swiftly and securely will not only improve your financial management but also open a world of opportunities.