How can I send money to Pakistan?
Send money to Pakistan via bank transfer, mobile wallet (JazzCash or EasyPaisa), or cash pickup. Most transfers arrive in under 5 minutes.
Delivery methods and speed
Here are the options for sending money to Pakistan and what you need to know about each:
Bank transfer: any bank account in Pakistan
Mobile wallet: JazzCash and EasyPaisa
Cash pickup: UBL, Faysal Bank (FBL), Bank Alfalah (BAHL), MCB, National Bank of Pakistan (NBP), Habib Metro Bank (HMB), HBL (Habib Bank Limited), Bank of Punjab (BOP), Dubai Islamic Bank Pakistan (DIB)
| Method | Typical delivery time | Notes |
|---|---|---|
| Bank transfer (IBFT*) | Under 5 minutes | Available 24/7, including weekends. May take 2 working days to appear on your recipient's account. |
| Bank transfer (RTGS**) | Same day | Processed during Pakistani banking hours only. Usually used for larger transfer amounts. May take 2 working days to appear on your recipient's account. |
| Mobile wallet (JazzCash / EasyPaisa) | Under 5 minutes | Available 24/7. Transfer goes directly to the wallet linked to your recipient's mobile number. |
| Cash pickup | Under 5 minutes | During cash pickup partner opening hours. |
*IBFT (Interbank Fund Transfer) is Pakistan's instant transfer system, available around the clock every day of the year.
**RTGS (Real-Time Gross Settlement) is used for some transfers and only processes during Pakistani banking hours.
Fees
Taptap Send always shows you the exact fee and exchange rate upfront, before you confirm your transfer. Most transfers to Pakistan are free, a small fee may apply for some transfers from certain countries. The exact amount is always shown before you confirm.
| Sending from | Fee |
|---|---|
| 🇬🇧 UK | £0.99 for transfers below £125; no fee for £125 and above |
| 🇦🇪 UAE | 6 AED for transfers below 700 AED; no fee for 700 AED and above |
| 🇺🇸 US | $1.99 for transfers below $200; no fee for $200 and above |
| 🇪🇺 Europe | €0.99 for transfers below €170; no fee for €170 and above |
| 🇨🇦 Canada | $0.99 CAD for transfers below $250; no fee for $250 and above |
| 🇦🇺 Australia | $4 AUD for transfers below $300; no fee for $300 and above |
| 🌍 Any other countries | No fee |
Sending limits
Your overall account sending limits are based on your verification level. Pakistan-specific limits per delivery method:
| Delivery method | Sending limit | Notes |
|---|---|---|
| Bank transfer | 1,000,000 PKR per transfer | No recipient-side limits |
| Mobile wallet | PKR 25,000–400,000 per day | Depends on recipient's wallet level |
| Cash pickup | Taptap Send standard limit | No recipient-side limits |
Your overall account sending limits are based on your verification level. For details, see the article What are my sending limits on Taptap Send?
Mobile wallet limits (JazzCash / EasyPaisa)
Pakistan mobile money wallets work on a tier system set by the State Bank of Pakistan. The amount your recipient can receive depends on how verified their wallet is:
- Basic (Level 0): up to PKR 25,000 per transaction and PKR 25,000 per month
- CNIC-verified (Level 1): up to PKR 50,000 per transaction and PKR 500,000 per month
- Fully verified (Level 2): up to PKR 100,000 per transaction and PKR 1,000,000 per month
If your transfer is declined due to a wallet limit, ask your recipient to check their tier with JazzCash or EasyPaisa directly. Upgrading is usually done at an agent with a valid ID.
Cancelling a transfer or requesting a refund
If your transfer has already been delivered, recalling the funds can be difficult and take time. It is sometimes easier to resolve this directly with the recipient who received your funds. Contact our support team through the app and we will look into what options are available. If no options exist, we will let you know.
You can also refer to our global article Can I cancel or get a refund for my transfer?
For your recipient
Does my recipient need to do anything?
Cash pickup: Your recipient needs to go to any of the cash pickup partner locations listed above with their CNIC (national ID card) and your transfer reference number.
Regular banking hours (Pakistan time):
Mon–Thu: 9:00am–3:00pm
Fri: 9:00am–12:00pm
Banks are closed from Friday 12pm until Monday morning. Transfers sent outside these hours will be processed the next working day.
Mobile wallet: No action needed, the transfer goes directly to the JazzCash or EasyPaisa wallet linked to your recipient's mobile number.
Bank transfer: No action needed, funds are deposited directly into your recipient's bank account.
What details does my recipient need to provide?
Bank transfer: Account number and bank details
Mobile wallet: Mobile number linked to their JazzCash or EasyPaisa account
Cash pickup: No details needed in advance, just CNIC and transfer reference number at collection
How does my recipient cash out?
Bank transfer: Funds are deposited directly. No additional steps needed — your recipient can access the money through their bank app, branch, or ATM as usual.
Easypaisa
- Check balance anytime by opening the Easypaisa app or dialling *786#
- To cash out at an agent: visit any Easypaisa agent, provide their mobile number, and confirm with their MPIN
- Withdraw from any 1-Link or M-Net ATM in Pakistan using their Easypaisa debit card
- Cash-out charges apply and vary — check the current schedule at easypaisa.com.pk
- For help: call 111-003-737 or email info@easypaisa.com.pk
JazzCash
- Check balance anytime by opening the JazzCash app or dialling *786#
- To cash out at an agent: visit any JazzCash agent, provide their mobile number, and confirm with their MPIN — the fee will be deducted automatically
- Withdraw from any ATM in Pakistan using their JazzCash ATM card
- To find the nearest JazzCash agent: send 'B' by SMS to 2179 (free), dial 7860*1#, or search online
- Cash-out charges apply and vary — check the current schedule at jazzcash.com.pk
- For help: call 4444 (from a Jazz number) or 111-124-444 (from any number)
UBL cash pickup
- When the money is ready for collection, your recipient will receive an SMS notification
- They should visit any UBL branch with their transfer code and a valid CNIC (national ID)
- Some UBL branches are open on Saturdays from 9:00am to 1:30pm
- To find the nearest UBL branch, visit ubl.com.pk
Still need help? Contact our support team through the app.