Pakistan Remittance Fee Calculator
Compare remittance services sending money to Pakistan: enter rates and fees to see net PKR received and the true effective rate. Free calculator.
About the Pakistan Remittance Fee Calculator
The service with the lowest advertised fee is often not the one that delivers the most rupees. This calculator shows the number that actually matters: net PKR received. Enter your send amount, then each service's quoted exchange rate, flat fee and percentage fee — side by side for two services — and see exactly how many rupees arrive and the true effective rate after all costs.
The hidden cost in most transfers is the exchange-rate margin, not the visible fee. A service charging "zero fees" but offering Rs. 3 less per dollar costs you Rs. 3,000 on a $1,000 transfer — far more than a typical $5 flat fee. Comparing effective rates exposes this instantly.
All calculations happen in your browser with nothing stored or transmitted. Remember that overseas Pakistanis sending through official channels — banks, licensed transfer apps and exchange companies — get funds tax-free, and the receiver-side experience (bank credit vs cash pickup) is worth weighing alongside pure cost.
How to Use the Pakistan Remittance Fee Calculator
- 1Choose the sending currency and enter the amount you want to send.
- 2For Option A, enter the service's quoted PKR rate, flat fee and any percentage fee.
- 3Optionally fill in Option B to compare a second service.
- 4Compare the net PKR received and effective rates — the best deal is highlighted.
Frequently Asked Questions
What is the cheapest way to send money to Pakistan?
It changes week to week, which is why you should compare the net PKR received rather than fees alone. Licensed transfer apps often beat banks on rate margin, while banks may waive fees on larger amounts. Enter each service's live quote here to see the real winner.
What is an effective exchange rate?
It's the rate you actually got after every cost: PKR received divided by the amount you sent. A service quoting Rs. 282/USD with a $10 fee on $500 gives an effective rate of about Rs. 276.4 — comparing effective rates makes any two services directly comparable.
Why is the rate I'm offered lower than the rate in the news?
News reports the interbank (mid-market) rate, which no consumer gets. Services buy at interbank and sell to you with a margin of typically Rs. 1–5 per dollar — that margin is their main profit and your main cost.
Are remittances to Pakistan taxed?
No — foreign remittances sent through official banking channels are exempt from income tax in Pakistan, and there are no limits for the receiver. Informal channels (hawala/hundi) are illegal and carry real risk.
Does this calculator use live exchange rates?
No, deliberately — every service quotes its own rate, so you enter the exact rates you're being offered today. Rates change daily; always use current quotes.