Best companies for CAD/PKR transfers
12 of 12 providers Last updated on 10 November 2026
Based on 1,000 CAD transfer Best companies for CAD/PKR transfers Sort Cheapest
Ad Wise Pay via Bank Transfer	Fees: $9.36 1 CAD = 195.9360 PKR 0.00% vs mid-market	Recipient gets Rs 194,102.04 Next day
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Pakistan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $9.361 CAD = 195.9360 PKR Rs 194,102.04You pay$1,000.00
Ad WorldRemit Pay via Debit Card	Fees: $2.99 1 CAD = 195.1932 PKR +0.38% vs mid-market	Recipient gets Rs 194,609.55 Next Day
13 reviews Receive to bank account or cash pickup
Ways to receive money in Pakistan with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day $2.991 CAD = 195.1932 PKR Rs 194,609.55You pay$1,000.00 Cash pickupNext Day $3.991 CAD = 193.0374 PKR Rs 192,267.21You pay$1,000.00 Mobile moneyNext Day $3.991 CAD = 193.0374 PKR Rs 192,267.21You pay$1,000.00
Run a live search Showing top Canada to Pakistan deals for 1,000 CAD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live CAD to PKR rates.
Run a live search These companies offer multi-currency accounts for spending PKR. We suggest doing a live search based on how much CAD you're planning to spend in Pakistan.
Run a live search These are managed services with real human support for large CAD transfers. Click the link and update the transfer amount to get the best deal.
Remitly Pay via Bank Transfer	Fees: $0.00 1 CAD = 200.0600 PKR -2.08% vs mid-market	Recipient gets Rs 200,060.00 Within a week
19 reviews Cheapest Receive to bank account or cash pickup
Ways to receive money in Pakistan with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupWithin a week Free1 CAD = 200.0600 PKR Rs 200,060.00You pay$1,000.00 Bank depositWithin a week Free1 CAD = 200.0600 PKR Rs 200,060.00You pay$1,000.00 Mobile walletWithin a week Free1 CAD = 200.0600 PKR Rs 200,060.00You pay$1,000.00

Remitly Pay via Interac	Fees: $0.00 1 CAD = 200.0600 PKR -2.08% vs mid-market	Recipient gets Rs 200,060.00 Within a week
19 reviews Receive to bank account or cash pickup
Ways to receive money in Pakistan with Remitly when paying by interac. MethodFee & ratesRecipient gets Cash pickupWithin a week Free1 CAD = 200.0600 PKR Rs 200,060.00You pay$1,000.00 Bank depositWithin a week Free1 CAD = 200.0600 PKR Rs 200,060.00You pay$1,000.00 Mobile walletWithin a week Free1 CAD = 200.0600 PKR Rs 200,060.00You pay$1,000.00
Remitly Pay via Debit Card	Fees: $0.00 1 CAD = 198.4300 PKR -1.26% vs mid-market	Recipient gets Rs 198,430.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Pakistan with Remitly when paying by debit card. MethodFee & ratesRecipient gets Cash pickupWithin minutes Free1 CAD = 198.4300 PKR Rs 198,430.00You pay$1,000.00 Bank depositWithin minutes Free1 CAD = 198.4300 PKR Rs 198,430.00You pay$1,000.00 Mobile walletWithin minutes Free1 CAD = 198.4300 PKR Rs 198,430.00You pay$1,000.00

Remitly Pay via Credit Card	Fees: $10.00 1 CAD = 198.4300 PKR -1.26% vs mid-market	Recipient gets Rs 198,430.00 Within minutes
19 reviews Receive to bank account or cash pickup
Ways to receive money in Pakistan with Remitly when paying by credit card. MethodFee & ratesRecipient gets Cash pickupWithin minutes $10.001 CAD = 198.4300 PKR Rs 198,430.00You pay$1,010.00 Bank depositWithin minutes $10.001 CAD = 198.4300 PKR Rs 198,430.00You pay$1,010.00 Mobile walletWithin minutes $10.001 CAD = 198.4300 PKR Rs 198,430.00You pay$1,010.00
Remitbee Pay via Interac	Fees: $0.00 1 CAD = 197.6189 PKR -0.85% vs mid-market	Recipient gets Rs 197,618.90 Next Day
0 reviews
Ways to receive money in Pakistan with Remitbee when paying by interac. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 197.6189 PKR Rs 197,618.90You pay$1,000.00

Remitbee Pay via Bill payment	Fees: $0.00 1 CAD = 197.6189 PKR -0.85% vs mid-market	Recipient gets Rs 197,618.90 Next Day
0 reviews
Ways to receive money in Pakistan with Remitbee when paying by bill payment. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 197.6189 PKR Rs 197,618.90You pay$1,000.00
Remitbee Pay via Bank Transfer	Fees: $0.00 1 CAD = 197.6189 PKR -0.85% vs mid-market	Recipient gets Rs 197,618.90 Next Day
0 reviews
Ways to receive money in Pakistan with Remitbee when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 197.6189 PKR Rs 197,618.90You pay$1,000.00
TapTap Send Pay via Debit Card	Fees: $0.00 1 CAD = 196.0000 PKR -0.03% vs mid-market	Recipient gets Rs 196,000.00 Minutes
2 reviews Fastest Receive to bank account
Ways to receive money in Pakistan with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 CAD = 196.0000 PKR Rs 196,000.00You pay$1,000.00 Cash pickupMinutesAvailable via:Bank Al-Habib Cash Pickup, Faysal Bank Cash Pickup, UBL Cash Pickup Free1 CAD = 196.0000 PKR Rs 196,000.00You pay$1,000.00 Mobile moneyMinutesAvailable via:Easypaisa, JazzCash, NayaPay Free1 CAD = 196.0000 PKR Rs 196,000.00You pay$1,000.00 Mobile walletMinutesAvailable via:SadaPay Free1 CAD = 196.0000 PKR Rs 196,000.00You pay$1,000.00
Western Union Pay via Debit Card	Fees: $0.00 1 CAD = 195.9677 PKR -0.02% vs mid-market	Recipient gets Rs 195,967.72 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Pakistan with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 195.9677 PKR Rs 195,967.72You pay$1,000.00

Western Union Pay via Bank Transfer	Fees: $0.00 1 CAD = 195.9677 PKR -0.02% vs mid-market	Recipient gets Rs 195,967.72 Next Day
8 reviews Receive to bank account or cash pickup
Ways to receive money in Pakistan with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 195.9677 PKR Rs 195,967.72You pay$1,000.00
Remitbee Pay via Debit Card	Fees: $8.99 1 CAD = 197.6189 PKR -0.85% vs mid-market	Recipient gets Rs 195,842.31 Next Day
0 reviews
Ways to receive money in Pakistan with Remitbee when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day $8.991 CAD = 197.6189 PKR Rs 195,842.31You pay$1,000.00
Ria Money Transfer Pay via Credit Card	Fees: $0.00 1 CAD = 195.7309 PKR +0.11% vs mid-market	Recipient gets Rs 195,730.90 6-12 Hours
0 reviews
Ways to receive money in Pakistan with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 195.7309 PKR Rs 195,730.90You pay$1,000.00 Mobile wallet6-12 Hours Free1 CAD = 195.7309 PKR Rs 195,730.90You pay$1,000.00 Cash pickup6-12 Hours Free1 CAD = 195.7291 PKR Rs 195,729.10You pay$1,000.00

Ria Money Transfer Pay via Debit Card	Fees: $0.00 1 CAD = 195.7309 PKR +0.11% vs mid-market	Recipient gets Rs 195,730.90 6-12 Hours
0 reviews
Ways to receive money in Pakistan with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 195.7309 PKR Rs 195,730.90You pay$1,000.00 Mobile wallet6-12 Hours Free1 CAD = 195.7309 PKR Rs 195,730.90You pay$1,000.00 Cash pickup6-12 Hours Free1 CAD = 195.7291 PKR Rs 195,729.10You pay$1,000.00
Paysend Pay via Debit Card	Fees: $0.00 1 CAD = 194.8422 PKR +0.56% vs mid-market	Recipient gets Rs 194,842.22 6-12 Hours
0 reviews
Ways to receive money in Pakistan with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 194.8422 PKR Rs 194,842.22You pay$1,000.00

Paysend Pay via Credit Card	Fees: $0.00 1 CAD = 194.8422 PKR +0.56% vs mid-market	Recipient gets Rs 194,842.22 6-12 Hours
0 reviews
Ways to receive money in Pakistan with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 194.8422 PKR Rs 194,842.22You pay$1,000.00
Koho Pay via Bank Transfer	Fees: $4.92 1 CAD = 195.6900 PKR +0.13% vs mid-market	Recipient gets Rs 194,728.18 Within minutes
0 reviews Receive to bank account
Ways to receive money in Pakistan with Koho when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $4.921 CAD = 195.6900 PKR Rs 194,728.18You pay$1,000.00
OFX Pay via Bank Transfer	Fees: $0.00 1 CAD = 194.6642 PKR +0.65% vs mid-market	Recipient gets Rs 194,664.20 6-12 Hours
7 reviews Receive to bank account
Ways to receive money in Pakistan with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 194.6642 PKR Rs 194,664.20You pay$1,000.00
Only available via Mobile App WorldRemit Pay via Debit Card	Fees: $2.99 1 CAD = 195.1932 PKR +0.38% vs mid-market	Recipient gets Rs 194,609.55 Next Day
13 reviews Receive to bank account or cash pickup
Ways to receive money in Pakistan with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day $2.991 CAD = 195.1932 PKR Rs 194,609.55You pay$1,000.00 Cash pickupNext Day $3.991 CAD = 193.0374 PKR Rs 192,267.21You pay$1,000.00 Mobile moneyNext Day $3.991 CAD = 193.0374 PKR Rs 192,267.21You pay$1,000.00
Wise Pay via Bank Transfer	Fees: $9.36 1 CAD = 195.9360 PKR 0.00% vs mid-market	Recipient gets Rs 194,102.04 Next day
25 reviews Our top pick Receive to bank accountDedicated support for large transfers
Ways to receive money in Pakistan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer $9.361 CAD = 195.9360 PKR Rs 194,102.04You pay$1,000.00
$0 fee on first online transfers MoneyGram Pay via Debit Card	Fees: $0.00 1 CAD = 193.9605 PKR +1.01% vs mid-market	Recipient gets Rs 193,960.50 6-12 Hours
2 reviews
Ways to receive money in Pakistan with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets Free1 CAD = 193.9605 PKR Rs 193,960.50You pay$1,000.00 Bank deposit6-12 HoursAvailable via:All Banks Free1 CAD = 193.0012 PKR Rs 193,001.20You pay$1,000.00 Cash pickup6-12 Hours $2.991 CAD = 193.0002 PKR Rs 193,000.20You pay$1,002.99

$0 fee on first online transfers MoneyGram Pay via Credit Card	Fees: $0.00 1 CAD = 193.9605 PKR +1.01% vs mid-market	Recipient gets Rs 193,960.50 6-12 Hours
2 reviews
Ways to receive money in Pakistan with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets Free1 CAD = 193.9605 PKR Rs 193,960.50You pay$1,000.00 Bank deposit6-12 HoursAvailable via:All Banks Free1 CAD = 193.0012 PKR Rs 193,001.20You pay$1,000.00 Cash pickup6-12 Hours $2.991 CAD = 193.0002 PKR Rs 193,000.20You pay$1,002.99
$0 fee on first online transfers MoneyGram Pay via Cash deposit	Fees: $0.00 1 CAD = 193.9605 PKR +1.01% vs mid-market	Recipient gets Rs 193,960.50 6-12 Hours
2 reviews
Ways to receive money in Pakistan with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Mobile wallet6-12 HoursAvailable via:Select Wallets Free1 CAD = 193.9605 PKR Rs 193,960.50You pay$1,000.00 Bank deposit6-12 HoursAvailable via:All Banks Free1 CAD = 193.0012 PKR Rs 193,001.20You pay$1,000.00 Cash pickup6-12 Hours $2.991 CAD = 193.0002 PKR Rs 193,000.20You pay$1,002.99
Panda Remit Pay via Bank Transfer	Fees: $8.99 1 CAD = 195.0926 PKR +0.43% vs mid-market	Recipient gets Rs 193,338.72 6-12 Hours
0 reviews
Ways to receive money in Pakistan with Panda Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $8.991 CAD = 195.0926 PKR Rs 193,338.72You pay$1,000.00
Wise Pay via Interac	Fees: $15.06 1 CAD = 195.9360 PKR 0.00% vs mid-market	Recipient gets Rs 192,985.20 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Pakistan with Wise when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $15.061 CAD = 195.9360 PKR Rs 192,985.20You pay$1,000.00
Wise Pay via Debit Card	Fees: $20.33 1 CAD = 195.9360 PKR 0.00% vs mid-market	Recipient gets Rs 191,952.62 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Pakistan with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $20.331 CAD = 195.9360 PKR Rs 191,952.62You pay$1,000.00
Wise Pay via Credit Card	Fees: $35.02 1 CAD = 195.9360 PKR 0.00% vs mid-market	Recipient gets Rs 189,074.32 Within minutes
25 reviews Receive to bank accountDedicated support for large transfers
Ways to receive money in Pakistan with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $35.021 CAD = 195.9360 PKR Rs 189,074.32You pay$1,000.00
How Our Results Work Mid-market rate: 1 CAD = 195.9378 PKR Updates every 60 minutes.

Why compare

CAD/PKR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Canada to Pakistan

Pick a company

Start with the cheapest, which is Remitly at 200,060 PKR on CA$1,000.

Remitly was the cheapest on 29 of the 30 days it quoted CA$1,000 transfers to Pakistan.

More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.

Fund your transfer

You have 6 ways to pay, including debit card, bank transfer, credit card, interac, bill payment, and cash deposit.

Interac e-Transfer is how most companies take your money, moving it into their Canadian account so they can carry it over the border.

Verify and send

First time round you'll need a photo ID, and often where the money came from.

Your first transfer will be slower than the ones after it because of those checks, so send it a few days before it's needed.

Compare amounts

How much CAD are you sending to Pakistan?

How much CAD you send to Pakistan heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Remitly was the cheapest in 96% of the transfers up to CA$1,000 it quoted, and in 96% of all the transfers it quoted.


$100	-2.04%	$0.00	Rs 20,010.00with bank transfer to cash pickup	+Rs 709.69
$500	-2.07%	$0.00	Rs 100,050.00with bank transfer to cash pickup	+Rs 2,433.52
$1,000This page	-2.08%	$0.00	Rs 200,060.00with bank transfer to cash pickup	+Rs 4,594.73
$3,000	-1.00%	$0.00	Rs 593,850.00with bank transfer to cash pickup	+Rs 7,414.24
$10,000	-0.87%	$0.00	Rs 1,976,189.00with interac to bank deposit	+Rs 22,783.97
$50,000	-0.03%	$0.00	Rs 9,800,000.00with debit card to bank deposit	+Rs 66,227.17

Mid-market rate: 1 CAD = 195.9378 PKR

CAD/PKR Exchange Rate History

Is today a good time to send money from Canada to Pakistan?

The cheapest way to send CAD to PKR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Remitly), across 30 days of comparisons for 1,000 CAD transfers to Pakistan.

Each line shows what the recipient gets when you send $1,000, after fees, as quoted by each company. The mid-market line shows what $1,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more PKR per CAD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 30 of the last 30 days.

Right now, Remitly pays 200,060 PKR on 1,000 CAD, which is 4,122.20 PKR more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 202,460 PKR.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

If you need to send money now, it's a good time to send.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Pakistan.

We've tracked 180 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

RemitlyAppeared in 115 comparisons
Cheapest in 96% of them
RemitbeeAppeared in 90 comparisons
Cheapest in 10% of them
TapTap SendAppeared in 176 comparisons
Cheapest in 3% of them

Based on 180 comparisons across 6 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Remitly is the cheapest and gets you the most PKR, and it was also the cheapest in 96% of the 115 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Pakistan.

Remitbee (today's second cheapest) was the cheapest in only 10% of its comparisons, so it's rarely the cheapest option for transfers to Pakistan.

Ways to send money from Canada to Pakistan

There are 12 companies sending money to Pakistan, but how you send depends on your needs.

Most common option

In-person transfers

Hand your cash over the counter and your recipient can collect it the same day without needing an app or bank account.

Bring CA$1,000 in cash to the closest Remitly location, and your recipient picks up 200,060 PKR within minutes.

Our data shows Remitly came out cheapest among in-person options on 97% of days in the past month.

Cash transfers cost more

Cash transfer to Pakistan is usually the most expensive option, compare your options above to get the best deal.

For transfers home

Money transfer apps

An app does the same job as the store for less, and you top it up with an Interac e-Transfer, the same way you'd send money to a friend.

Remitly charges CA$0 in fees and adds -2.08% markup, so your CA$1,000 delivers 200,060 PKR in within a week.

Over the past month, Remitly was the cheapest app on 97% of the days it appeared for CA$1,000 transfers.

You don't need a SIN to sign up either, a passport works.

For one-off transfers

Online transfers

For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.

Of the 12 companies we compared, Remitly is the cheapest online service and currently gets you 200,060 PKR on a CA$1,000 transfer after a CA$0 fee and -2.08% markup.

In our comparisons over the past month, it was the cheapest online service on 29 of the 30 days it quoted.

Funding by bank transfer (EFT) is cheapest but takes 1-2 days to clear, and Interac e-Transfer or debit card is faster but pricier.

For large transfers from Canada

Currency brokers

For property, tuition, moving from Canada, or an inheritance, a broker is the best and usually the cheapest option.

Brokers like OFX charge no fees but add 0.65% on CAD/PKR interbank rate.

The markup gets lower the more you send, with an account manager handling it end to end.

Our analysis shows OFX was the cheapest broker in 54% of all the transfers it quoted.

If you're sending large amounts, expect more questions about the transfers, so have statements and documents ready to avoid delays.

If you already have one

Challenger banks

Some neobanks in Canada include international transfers with no transfer fee as part of the account.

Koho sends your CA$1,000 for CA$4.92 in fees with 0.13% markup.

It's a good option for small occasional transfers, but I still suggest .

Our data shows Koho came out cheapest among challenger banks on 100% of days in the past month.

For businesses paying abroad

Global accounts

Global accounts handle the business side, paying suppliers, contractors and overseas invoices in PKR.

Companies like OFX, Airwallex, or WorldFirst are set up for the batch and recurring payments a personal app can't do.

For spending abroad and getting paid

Multi-currency accounts

If part of your life runs in PKR, be it spending it, saving it, or waiting for a better rate, a multi-currency account can hold it alongside your CAD.

Wise lets you hold CAD and PKR, and convert between them at low cost.

For example, converting $1,000 costs $9.36 in fees at 0% markup, which gets you 194,102.04 PKR.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund CAD and receive PKR in Pakistan

With Remitly, paying by bank transfer and receiving through cash pickup is the cheapest combination. Sending CA$1,000 gives your recipient 200,060 PKR.

Deposit CAD using debit card, bank transfer, credit card, interac, bill payment, and cash deposit.

I suggest using Interac e-Transfer for simplicity

Follow the company's Interac instructions and check the business name before sending.

Do not send to an email address supplied outside the company's app or website.

The recipient can receive PKR through bank deposit, cash pickup, mobile wallet, and mobile money.

For a bank deposit payout, you will need the recipient's bank details in Pakistan.

1

Bank transfer Cash pickup

You pay CA$1,000.00

Rs200,060

Cheapest
2

Bank transfer Bank deposit

You pay CA$1,000.00

Rs200,060

Rs0
3

Bank transfer Mobile wallet

You pay CA$1,000.00

Rs200,060

Rs0
4

Interac Cash pickup

You pay CA$1,000.00

Rs200,060

Rs0
5

Interac Bank deposit

You pay CA$1,000.00

Rs200,060

Rs0

Show moreShow less

6

Interac Mobile wallet

You pay CA$1,000.00

Rs200,060

Rs0
7

debit card Cash pickup

You pay CA$1,000.00

Rs198,430

-Rs1,630
8

debit card Bank deposit

You pay CA$1,000.00

Rs198,430

-Rs1,630
9

debit card Mobile wallet

You pay CA$1,000.00

Rs198,430

-Rs1,630
10

credit card Cash pickup

You pay CA$1,010.00

Rs198,430

-Rs1,630
11

credit card Bank deposit

You pay CA$1,010.00

Rs198,430

-Rs1,630
12

credit card Mobile wallet

You pay CA$1,010.00

Rs198,430

-Rs1,630
13

Bill payment Bank deposit

You pay CA$1,000.00

Rs197,619

-Rs2,441
14

debit card Mobile money

You pay CA$1,000.00

Rs196,000

-Rs4,060
15

Cash deposit Mobile wallet

You pay CA$1,000.00

Rs193,961

-Rs6,100
16

Cash deposit Bank deposit

You pay CA$1,000.00

Rs193,001

-Rs7,059
17

Cash deposit Cash pickup

You pay CA$1,002.99

Rs193,000

-Rs7,060

Consider this when sending CAD to Pakistan

Interac can fund an international transfer, but it does not send money abroad by itself. You should also know what happens when a transfer reaches the FINTRAC reporting threshold.

Compare CAD/PKR transfer options

For a CA$1,000 transfer to Pakistan, these are the cheapest, fastest and easiest options available now.

Best way to send money to Pakistan

Remitly is the cheapest and easiest option, funded by bank transfer with cash pickup for the payout. Your recipient gets 200,060 PKR, which is 1.22% more than the next best option.

Fastest way to send money to Pakistan

TapTap Send is fastest when you pay by debit card and choose bank deposit for the payout. The transfer delivers 196,000 PKR in minutes.

Interac only works inside Canada

An Interac e-Transfer cannot go directly to a recipient in Pakistan.

When a transfer company accepts Interac, you send CAD to its Canadian account and the company handles the international side over its own network.

C$10,000 reporting threshold

There is no C$10,000 legal cap on electronic transfers from Canada.

A reporting entity must report an international electronic funds transfer of C$10,000 or more to FINTRAC, including linked transfers that meet the 24-hour rule.

The bank or transfer company makes that report, you do not file it yourself.

But you may be asked for proof of where the money came from.

Sending your own cash or making a genuine cash gift does not create a Canadian gift tax simply because the money goes abroad.

Tax can become relevant when you transfer an appreciated asset rather than cash, or when attribution rules apply.

CDIC protection

Money held with a payment company is not covered by CDIC in the same way as an eligible bank deposit.

Payment companies covered by the Retail Payment Activities Act must safeguard end-user funds, but the Bank of Canada does not resolve individual fee or payment disputes.

If you’re unsure about the company, you can check the company in the FINTRAC MSB Registry.

If you live in Quebec, also confirm that it is allowed to provide money services there.

How we analyse the market

Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.

That covers 12 FINTRAC-registered companies sending CAD to Pakistan, updated in real time during a live search, compared on rates, fees and how your recipient can collect.

In the past 30 days alone, we analyzed 180 comparisons across 6 amounts.

This page covers the cheapest and fastest options for CAD/PKR transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review. More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Canada

Send money to Pakistan

Mon, Oct 12, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	194.1597	–	Rs 194,159.66
Western Union Cheapest	194.3425	$0.00	Rs 194,342.47	+Rs 182.82
TapTap Send	193.2000	$0.00	Rs 193,200.00	−Rs 959.65
Remitly	191.6300	$0.00	Rs 191,630.00	−Rs 2,529.65
Remitbee No quote collected this day	–	–	–	–

Tue, Oct 13, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	194.4234	–	Rs 194,423.38
Remitly Cheapest	198.2000	$0.00	Rs 198,200.00	+Rs 3,776.62
TapTap Send	193.2000	$0.00	Rs 193,200.00	−Rs 1,223.38
Remitbee No quote collected this day	–	–	–	–

Wed, Oct 14, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	194.5788	–	Rs 194,578.80
Remitly Cheapest	199.2100	$0.00	Rs 199,210.00	+Rs 4,631.20
TapTap Send	193.2000	$0.00	Rs 193,200.00	−Rs 1,378.80
Remitbee No quote collected this day	–	–	–	–

Thu, Oct 15, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	194.8688	–	Rs 194,868.85
Remitly Cheapest	199.0300	$0.00	Rs 199,030.00	+Rs 4,161.15
TapTap Send	193.2000	$0.00	Rs 193,200.00	−Rs 1,668.85
Remitbee No quote collected this day	–	–	–	–

Fri, Oct 16, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	195.1702	–	Rs 195,170.19
Remitly Cheapest	199.4500	$0.00	Rs 199,450.00	+Rs 4,279.82
TapTap Send	193.2000	$0.00	Rs 193,200.00	−Rs 1,970.18
Remitbee No quote collected this day	–	–	–	–

Sat, Oct 17, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	195.8237	–	Rs 195,823.69
Remitly Cheapest	199.9300	$0.00	Rs 199,930.00	+Rs 4,106.31
TapTap Send	193.2000	$0.00	Rs 193,200.00	−Rs 2,623.69
Remitbee No quote collected this day	–	–	–	–

Mon, Oct 19, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	196.7372	–	Rs 196,737.24
Remitly Cheapest	200.1500	$0.00	Rs 200,150.00	+Rs 3,412.76
TapTap Send	193.2000	$0.00	Rs 193,200.00	−Rs 3,537.24
Remitbee No quote collected this day	–	–	–	–

Tue, Oct 20, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	196.6928	–	Rs 196,692.76
Remitly Cheapest	200.7600	$0.00	Rs 200,760.00	+Rs 4,067.24
TapTap Send	193.2000	$0.00	Rs 193,200.00	−Rs 3,492.76
Remitbee No quote collected this day	–	–	–	–

Wed, Oct 21, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	196.4998	–	Rs 196,499.83
Remitly Cheapest	201.0300	$0.00	Rs 201,030.00	+Rs 4,530.17
TapTap Send	197.0000	$0.00	Rs 197,000.00	+Rs 500.17
Remitbee No quote collected this day	–	–	–	–

Thu, Oct 22, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	197.3468	–	Rs 197,346.78
Remitly Cheapest	201.4400	$0.00	Rs 201,440.00	+Rs 4,093.22
TapTap Send	196.0000	$0.00	Rs 196,000.00	−Rs 1,346.78
Remitbee No quote collected this day	–	–	–	–

Fri, Oct 23, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	197.4228	–	Rs 197,422.80
Remitly Cheapest	201.7500	$0.00	Rs 201,750.00	+Rs 4,327.20
TapTap Send	196.0000	$0.00	Rs 196,000.00	−Rs 1,422.80
Remitbee No quote collected this day	–	–	–	–

Sat, Oct 24, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	197.4843	–	Rs 197,484.26
Remitly Cheapest	201.8600	$0.00	Rs 201,860.00	+Rs 4,375.74
Remitbee	197.1229	$0.00	Rs 197,122.90	−Rs 361.36
TapTap Send	196.0000	$0.00	Rs 196,000.00	−Rs 1,484.26

Mon, Oct 26, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	197.0367	–	Rs 197,036.68
Remitly Cheapest	201.8000	$0.00	Rs 201,800.00	+Rs 4,763.33
Remitbee	197.1229	$0.00	Rs 197,122.90	+Rs 86.23
TapTap Send	196.0000	$0.00	Rs 196,000.00	−Rs 1,036.67

Tue, Oct 27, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	197.7650	–	Rs 197,765.02
Remitly Cheapest	201.6300	$0.00	Rs 201,630.00	+Rs 3,864.98
Remitbee	197.1229	$0.00	Rs 197,122.90	−Rs 642.12
TapTap Send	196.0000	$0.00	Rs 196,000.00	−Rs 1,765.02

Wed, Oct 28, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	197.1261	–	Rs 197,126.12
Remitly Cheapest	200.9700	$0.00	Rs 200,970.00	+Rs 3,843.88
Remitbee	197.1229	$0.00	Rs 197,122.90	−Rs 3.22
TapTap Send	196.0000	$0.00	Rs 196,000.00	−Rs 1,126.12

Thu, Oct 29, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	197.4026	–	Rs 197,402.59
Remitly Cheapest	201.9800	$0.00	Rs 201,980.00	+Rs 4,577.41
Remitbee	197.1229	$0.00	Rs 197,122.90	−Rs 279.69
TapTap Send	195.0000	$0.00	Rs 195,000.00	−Rs 2,402.59

Fri, Oct 30, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	197.9419	–	Rs 197,941.88
Remitly Cheapest	202.1700	$0.00	Rs 202,170.00	+Rs 4,228.12
Remitbee	197.1229	$0.00	Rs 197,122.90	−Rs 818.98
TapTap Send	195.0000	$0.00	Rs 195,000.00	−Rs 2,941.88

Sat, Oct 31, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	197.7204	–	Rs 197,720.41
Remitly Cheapest	202.1600	$0.00	Rs 202,160.00	+Rs 4,439.59
Remitbee	197.1229	$0.00	Rs 197,122.90	−Rs 597.51
TapTap Send	197.0000	$0.00	Rs 197,000.00	−Rs 720.41

Mon, Nov 2, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	198.4413	–	Rs 198,441.29
Remitly Cheapest	202.1000	$0.00	Rs 202,100.00	+Rs 3,658.71
Remitbee	197.1229	$0.00	Rs 197,122.90	−Rs 1,318.39
TapTap Send	197.0000	$0.00	Rs 197,000.00	−Rs 1,441.29

Tue, Nov 3, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	197.9342	–	Rs 197,934.18
Remitly Cheapest	202.1500	$0.00	Rs 202,150.00	+Rs 4,215.82
Remitbee	197.1229	$0.00	Rs 197,122.90	−Rs 811.28
TapTap Send	197.0000	$0.00	Rs 197,000.00	−Rs 934.18

Wed, Nov 4, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	197.0331	–	Rs 197,033.06
Remitly Cheapest	202.1400	$0.00	Rs 202,140.00	+Rs 5,106.94
Remitbee	197.1229	$0.00	Rs 197,122.90	+Rs 89.84
TapTap Send	197.0000	$0.00	Rs 197,000.00	−Rs 33.06

Thu, Nov 5, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	198.2343	–	Rs 198,234.29
Remitly Cheapest	202.4600	$0.00	Rs 202,460.00	+Rs 4,225.71
Remitbee	197.1229	$0.00	Rs 197,122.90	−Rs 1,111.39
TapTap Send	197.0000	$0.00	Rs 197,000.00	−Rs 1,234.29

Fri, Nov 6, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	197.1236	–	Rs 197,123.56
Remitly Cheapest	201.0500	$0.00	Rs 201,050.00	+Rs 3,926.44
Remitbee	197.1229	$0.00	Rs 197,122.90	−Rs 0.66
TapTap Send	197.0000	$0.00	Rs 197,000.00	−Rs 123.56

Sat, Nov 7, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	196.0003	–	Rs 196,000.25
Remitly Cheapest	199.9400	$0.00	Rs 199,940.00	+Rs 3,939.75
Remitbee	197.6189	$0.00	Rs 197,618.90	+Rs 1,618.65
TapTap Send	196.0000	$0.00	Rs 196,000.00	−Rs 0.25

Sun, Nov 8, 2026	Exchange rate	Fees:	Recipient gets	Difference
Mid-market rate	196.3697	–	Rs 196,369.72
Remitly Cheapest	199.9400	$0.00	Rs 199,940.00	+Rs 3,570.28
Remitbee	197.6189	$0.00	Rs 197,618.90	+Rs 1,249.18
TapTap Send	196.0000	$0.00	Rs 196,000.00	−Rs 369.72

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