How to send money to Pakistan from Switzerland with the best CHF-PKR rate

The cheapest option overall is Regency FX, giving your recipient 2’022’632.66 PKR when you send CHF 6’000.

Below we’ve compared 5 ways to send money from Switzerland to Pakistan.

Best companies for CHF/PKR transfers

5 of 5 providers

Last updated on 10 November 2026

Based on 6,000 CHF transfer

Best companies for CHF/PKR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee CHF 30.70 1 CHF = 338.0960 PKR -0.02% vs mid-market Recipient gets Rs 2'018'196.45 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Pakistan with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
CHF 30.701 CHF = 338.0960 PKR
Rs 2'018'196.45You payCHF 6'000.00
Promoted

Xe

Pay via Debit card
Fee CHF 0.00 1 CHF = 336.0810 PKR +0.57% vs mid-market Recipient gets Rs 2'016'486.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Pakistan with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 336.0810 PKR
Rs 2'016'486.00You payCHF 6'000.00

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Showing top Switzerland to Pakistan deals for 6,000 CHF. Do a live search with your exact amount for today's best rates.
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Regency FX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 337.1054 PKR +0.27% vs mid-market Recipient gets Rs 2'022'632.66 Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Pakistan with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 337.1054 PKR
Rs 2'022'632.66You payCHF 6'000.00

Wise

Pay via Bank transfer
Fee CHF 30.70 1 CHF = 338.0960 PKR -0.02% vs mid-market Recipient gets Rs 2'018'196.45 Within minutes
Our top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Pakistan with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
CHF 30.701 CHF = 338.0960 PKR
Rs 2'018'196.45You payCHF 6'000.00

OFX

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 336.3280 PKR +0.50% vs mid-market Recipient gets Rs 2'017'968.01 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in Pakistan with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 336.3280 PKR
Rs 2'017'968.01You payCHF 6'000.00

Xe

Pay via Debit card
Fee CHF 0.00 1 CHF = 336.0810 PKR +0.57% vs mid-market Recipient gets Rs 2'016'486.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Pakistan with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 336.0810 PKR
Rs 2'016'486.00You payCHF 6'000.00

Xe

Pay via Bank transfer
Fee CHF 0.00 1 CHF = 336.0810 PKR +0.57% vs mid-market Recipient gets Rs 2'016'486.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Pakistan with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 336.0810 PKR
Rs 2'016'486.00You payCHF 6'000.00

Xe

Pay via Credit card
Fee CHF 0.00 1 CHF = 336.0810 PKR +0.57% vs mid-market Recipient gets Rs 2'016'486.00 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Pakistan with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 CHF = 336.0810 PKR
Rs 2'016'486.00You payCHF 6'000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee CHF 56.50 1 CHF = 336.7427 PKR +0.38% vs mid-market Recipient gets Rs 2'001'430.24 Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Pakistan with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
CHF 56.501 CHF = 336.7427 PKR
Rs 2'001'430.24You payCHF 6'000.00

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

How Our Results Work
Mid-market rate: 1 CHF = 338.0181 PKR Updates every 60 minutes.

How to send money from Switzerland to Pakistan

Pick a company

Start with the cheapest, which is Regency FX at 2’022’632.66 PKR for a CHF 6’000 transfer.

Regency FX was the cheapest on 22 of the 27 days it quoted fr.6’000 transfers to Pakistan.

Sending the same money as an international transfer from your Swiss bank usually adds a margin to the rate on top of any fee.

Fund your transfer

You have 3 ways to pay, including bank transfer, debit card, and credit card.

TWINT won't do this, it's for paying people and shops inside Switzerland.

Verify and send

First time round you'll need a photo ID and your Swiss address.

The company may pause a first large transfer, it just means you need to submit more details to confirm it's really you.

Compare amounts

How much CHF are you sending to Pakistan?

How much CHF 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 Regency FX was the cheapest in 81% of the transfers from CHF 6,000 it quoted, and in 82% of all the transfers it quoted.

Cheapest service
CHF 1'0000.50%CHF 0.00Rs 336'459.90with credit card to bank deposit+Rs 2'518.17
CHF 5'0000.27%CHF 0.00Rs 1'683'936.96with bank transfer to bank deposit+Rs 10'910.04
CHF 6'000This page0.27%CHF 0.00Rs 2'022'632.66with bank transfer to bank deposit+Rs 6'963.32
CHF 25'0000.25%CHF 0.00Rs 8'420'638.09with bank transfer to bank deposit+Rs 28'705.04

Mid-market rate: 1 CHF = 338.0181 PKR

CHF/PKR Exchange Rate History

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

The cheapest way to send CHF 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 Regency FX), across 30 days of comparisons for 6’000 CHF transfers to Pakistan.

PKR received for CHF 6'000, after fees

Tue, 10 Nov 2026Mid-market rateRs 2'028'108.55 Regency FX Rs 2'022'632.66Regency FXRs 2'022'632.66WiseRs 2'018'196.45OFXRs 2'017'968.01

1.96M
1.98M
2.00M
2.02M
2.04M
At the mid-market rateWith the cheapest optionRegency FXWiseOFX
Exchange rateFeeRecipient getsDifference
Mid-market rate 332.7204 – Rs 1'996'322.33
Regency FX Cheapest 331.8220 CHF 0.00 Rs 1'990'932.26 −Rs 5'390.07
OFX 331.0568 CHF 0.00 Rs 1'986'340.72 −Rs 9'981.61
Wise No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 332.8773 – Rs 1'997'263.83
Regency FX Cheapest 331.9785 CHF 0.00 Rs 1'991'871.22 −Rs 5'392.61
OFX 331.2129 CHF 0.00 Rs 1'987'277.51 −Rs 9'986.32
Wise 332.4090 CHF 30.70 Rs 1'984'249.04 −Rs 13'014.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 330.5887 – Rs 1'983'532.08
Xe Cheapest 330.1110 CHF 0.00 Rs 1'980'666.00 −Rs 2'866.08
Regency FX 329.6961 CHF 0.00 Rs 1'978'176.54 −Rs 5'355.54
OFX 328.9357 CHF 0.00 Rs 1'973'614.42 −Rs 9'917.66
Wise 330.5640 CHF 30.71 Rs 1'973'232.38 −Rs 10'299.70
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 334.1530 CHF 30.70 Rs 1'994'659.50 –
Regency FX No quote collected this day – – – –
OFX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 335.7216 – Rs 2'014'329.67
Regency FX Cheapest 334.8152 CHF 0.00 Rs 2'008'890.98 −Rs 5'438.69
Wise 335.8750 CHF 30.70 Rs 2'004'938.64 −Rs 9'391.03
OFX 334.0430 CHF 0.00 Rs 2'004'258.02 −Rs 10'071.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 335.6664 – Rs 2'013'998.18
Regency FX Cheapest 334.7601 CHF 0.00 Rs 2'008'560.38 −Rs 5'437.80
Wise 336.0190 CHF 30.70 Rs 2'005'798.22 −Rs 8'199.96
OFX 333.9880 CHF 0.00 Rs 2'003'928.19 −Rs 10'069.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 335.6664 – Rs 2'013'998.18
Regency FX Cheapest 334.7601 CHF 0.00 Rs 2'008'560.38 −Rs 5'437.80
Wise 336.0190 CHF 30.70 Rs 2'005'798.22 −Rs 8'199.96
OFX 333.9880 CHF 0.00 Rs 2'003'928.19 −Rs 10'069.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 336.9651 – Rs 2'021'790.83
Regency FX Cheapest 336.0553 CHF 0.00 Rs 2'016'331.99 −Rs 5'458.84
OFX 335.2803 CHF 0.00 Rs 2'011'681.87 −Rs 10'108.96
Wise 335.8770 CHF 30.70 Rs 2'004'950.58 −Rs 16'840.25
Exchange rateFeeRecipient getsDifference
Mid-market rate 335.5475 – Rs 2'013'284.74
Regency FX Cheapest 334.6415 CHF 0.00 Rs 2'007'848.87 −Rs 5'435.87
OFX 333.8697 CHF 0.00 Rs 2'003'218.32 −Rs 10'066.42
Wise 335.5710 CHF 30.70 Rs 2'003'123.97 −Rs 10'160.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 335.0342 – Rs 2'010'205.48
Regency FX Cheapest 334.1297 CHF 0.00 Rs 2'004'777.93 −Rs 5'427.55
Wise 335.7340 CHF 30.70 Rs 2'004'096.97 −Rs 6'108.51
OFX 333.3591 CHF 0.00 Rs 2'000'154.45 −Rs 10'051.03
Exchange rateFeeRecipient getsDifference
Mid-market rate 337.6636 – Rs 2'025'981.79
Regency FX Cheapest 336.7519 CHF 0.00 Rs 2'020'511.64 −Rs 5'470.15
Wise 337.8030 CHF 30.70 Rs 2'016'447.45 −Rs 9'534.34
OFX 335.9753 CHF 0.00 Rs 2'015'851.88 −Rs 10'129.91
Exchange rateFeeRecipient getsDifference
Mid-market rate 336.1896 – Rs 2'017'137.77
Regency FX Cheapest 335.2819 CHF 0.00 Rs 2'011'691.50 −Rs 5'446.27
Wise 336.4680 CHF 30.70 Rs 2'008'478.43 −Rs 8'659.34
OFX 334.5087 CHF 0.00 Rs 2'007'052.09 −Rs 10'085.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 335.1532 – Rs 2'010'919.46
Xe Cheapest 334.2610 CHF 0.00 Rs 2'005'566.00 −Rs 5'353.46
Regency FX 334.2483 CHF 0.00 Rs 2'005'489.98 −Rs 5'429.48
Wise 335.5920 CHF 30.70 Rs 2'003'249.33 −Rs 7'670.13
OFX 333.4775 CHF 0.00 Rs 2'000'864.86 −Rs 10'054.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 335.1532 – Rs 2'010'919.46
Xe Cheapest 334.2610 CHF 0.00 Rs 2'005'566.00 −Rs 5'353.46
Regency FX 334.2483 CHF 0.00 Rs 2'005'489.98 −Rs 5'429.48
Wise 335.5920 CHF 30.70 Rs 2'003'249.33 −Rs 7'670.13
OFX 333.4775 CHF 0.00 Rs 2'000'864.86 −Rs 10'054.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 334.2350 – Rs 2'005'409.97
Wise Cheapest 335.1650 CHF 30.70 Rs 2'000'700.43 −Rs 4'709.54
Regency FX 333.3326 CHF 0.00 Rs 1'999'995.36 −Rs 5'414.61
OFX 332.5638 CHF 0.00 Rs 1'995'382.92 −Rs 10'027.05
Exchange rateFeeRecipient getsDifference
Mid-market rate 334.8513 – Rs 2'009'107.71
Regency FX Cheapest 333.9472 CHF 0.00 Rs 2'003'683.12 −Rs 5'424.59
OFX 333.1770 CHF 0.00 Rs 1'999'062.17 −Rs 10'045.54
Wise 334.2950 CHF 30.70 Rs 1'995'507.14 −Rs 13'600.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 333.9388 – Rs 2'003'632.68
Regency FX Cheapest 333.0371 CHF 0.00 Rs 1'998'222.87 −Rs 5'409.81
OFX 332.2691 CHF 0.00 Rs 1'993'614.52 −Rs 10'018.16
Wise 333.5100 CHF 30.70 Rs 1'990'821.24 −Rs 12'811.44
Exchange rateFeeRecipient getsDifference
Mid-market rate 333.5284 – Rs 2'001'170.50
Regency FX Cheapest 332.6279 CHF 0.00 Rs 1'995'767.34 −Rs 5'403.16
Wise 334.1340 CHF 30.70 Rs 1'994'546.09 −Rs 6'624.41
OFX 331.8608 CHF 0.00 Rs 1'991'164.64 −Rs 10'005.86
Exchange rateFeeRecipient getsDifference
Mid-market rate 336.9063 – Rs 2'021'437.94
Regency FX Cheapest 335.9967 CHF 0.00 Rs 2'015'980.06 −Rs 5'457.88
Wise 337.0850 CHF 30.70 Rs 2'012'161.49 −Rs 9'276.45
OFX 335.2218 CHF 0.00 Rs 2'011'330.75 −Rs 10'107.19
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Xe Cheapest 335.0963 CHF 0.00 Rs 2'010'577.80 –
Wise 335.3890 CHF 30.70 Rs 2'002'037.56 –
Regency FX No quote collected this day – – – –
OFX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 335.3981 – Rs 2'012'388.80
Regency FX Cheapest 334.4926 CHF 0.00 Rs 2'006'955.35 −Rs 5'433.45
OFX 333.7211 CHF 0.00 Rs 2'002'326.85 −Rs 10'061.95
Wise No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 337.7629 – Rs 2'026'577.66
Regency FX Cheapest 336.8510 CHF 0.00 Rs 2'021'105.90 −Rs 5'471.76
OFX 336.0741 CHF 0.00 Rs 2'016'444.78 −Rs 10'132.88
Wise 336.8590 CHF 30.70 Rs 2'010'812.43 −Rs 15'765.23
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 338.6730 CHF 30.70 Rs 2'021'640.74 –
Regency FX No quote collected this day – – – –
OFX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 337.2294 – Rs 2'023'376.27
Wise Cheapest 338.8610 CHF 30.70 Rs 2'022'762.97 −Rs 613.30
Regency FX 336.3189 CHF 0.00 Rs 2'017'913.15 −Rs 5'463.12
OFX 335.5432 CHF 0.00 Rs 2'013'259.39 −Rs 10'116.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 338.9267 – Rs 2'033'560.07
Regency FX Cheapest 338.0116 CHF 0.00 Rs 2'028'069.46 −Rs 5'490.61
Wise 339.0690 CHF 30.70 Rs 2'024'004.58 −Rs 9'555.49
OFX 337.2320 CHF 0.00 Rs 2'023'392.27 −Rs 10'167.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 338.3542 – Rs 2'030'125.49
Regency FX Cheapest 337.4407 CHF 0.00 Rs 2'024'644.15 −Rs 5'481.34
OFX 336.6625 CHF 0.00 Rs 2'019'974.86 −Rs 10'150.63
Wise 337.9720 CHF 30.70 Rs 2'017'456.26 −Rs 12'669.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 337.1549 – Rs 2'022'929.45
Regency FX Cheapest 336.2446 CHF 0.00 Rs 2'017'467.54 −Rs 5'461.91
OFX 335.4691 CHF 0.00 Rs 2'012'814.80 −Rs 10'114.65
Wise 337.0860 CHF 30.70 Rs 2'012'167.46 −Rs 10'761.99
Exchange rateFeeRecipient getsDifference
Mid-market rate 338.0321 – Rs 2'028'192.30
Regency FX Cheapest 337.1194 CHF 0.00 Rs 2'022'716.18 −Rs 5'476.12
OFX 336.3419 CHF 0.00 Rs 2'018'051.34 −Rs 10'140.96
Wise 337.0860 CHF 30.70 Rs 2'012'167.46 −Rs 16'024.84
Exchange rateFeeRecipient getsDifference
Mid-market rate 338.7026 – Rs 2'032'215.84
Regency FX Cheapest 337.7881 CHF 0.00 Rs 2'026'728.86 −Rs 5'486.98
OFX 337.0091 CHF 0.00 Rs 2'022'054.76 −Rs 10'161.08
Wise 338.2610 CHF 30.70 Rs 2'019'181.39 −Rs 13'034.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 338.0181 – Rs 2'028'108.55
Regency FX Cheapest 337.1054 CHF 0.00 Rs 2'022'632.66 −Rs 5'475.89
Wise 338.0960 CHF 30.70 Rs 2'018'196.45 −Rs 9'912.10
OFX 336.3280 CHF 0.00 Rs 2'017'968.01 −Rs 10'140.54

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send CHF 6'000, after fees, as quoted by each company. The mid-market line shows what CHF 6'000 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 CHF than the mid-market rate can offer.

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

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of PKR on every transfer from Switzerland.

Right now, Regency FX pays 2’022’632.66 PKR on 6’000 CHF, which is 5’475.89 PKR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 2’028’069.46 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.

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 119 comparisons to check how often today's top companies were the cheapest across 4 amounts over the past month.

  1. Regency FXAppeared in 83 comparisons

    Cheapest in 82% of them

  2. WiseAppeared in 115 comparisons

    Cheapest in 12% of them

  3. OFXAppeared in 109 comparisons

    Cheapest in 1% of them

Based on 119 comparisons across 4 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 analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest and gets you the most PKR, and it was also the cheapest in 82% of the 83 comparisons it appeared in over the past month.

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

Wise (today's second cheapest) was the cheapest in only 12% of its comparisons, so it's rarely the cheapest option for transfers to Pakistan.

Ways to send money from Switzerland to Pakistan

5 companies send money from Switzerland to Pakistan, across currency broker, app, online, multi-currency account, and global business account, and more.

For one-off transfers

Online transfers

Online services like Wise are usually cheaper than Swiss banks for one-off and medium-sized transfers.

With Wise, 6’000 CHF gets your recipient 2’018’196.45 PKR.

The fee is 30.70 CHF, with a -0.02% markup on top of the CHF/PKR rate.

In our comparisons over the past month, it was the cheapest online service on 20 of the 28 days it quoted.

For spending and receiving

Multi-currency accounts

A multi-currency account is useful if you earn in Swiss francs but spend money in PKR (be it payments or travelling).

Wise converts CHF 6’000 with a -0.02% exchange-rate markup and lets you hold CHF and PKR in one account.

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

For regular transfers

Money transfer apps

For the monthly transfer to family, money transfer apps are the easiest to start with.

Wise charges fr.30.70 on a fr.6’000 transfer, and the money lands same day.

Over the past month, Wise was the cheapest app on 71% of the days it appeared for fr.6’000 transfers.

You can also save recipients and create automated scheduled transfers to Pakistan.

You can’t make deposits with TWINT, but instead you can use Apple Pay, Google Pay, bank transfer, debit card, and credit card.

For large CHF transfers

Currency brokers

Private banks can usually do this too, but brokers streamline the process and you also get an account manager to handle the transfer.

For example, if you are buying property in Pakistan or moving your wealth, a broker like Regency FX charges no fee and works on a margin instead (0.27% on CHF/PKR).

I suggest , since the more PKR you send the better rate you get.

Our analysis shows Regency FX was the cheapest broker in 86% of the transfers from CHF 6,000 it quoted.

Brokers charge no fees, so settle with the one that gives you the best CHF/PKR rate.

For companies paying across borders

Global accounts

Converting every payment separately adds extra work for Swiss businesses with regular costs in Pakistan.

A global account lets you hold PKR alongside CHF and pay from the balance.

Wise Business, WorldFirst and Airwallex offer multi-currency accounts with business payment tools.

Ways to fund CHF and receive PKR in Pakistan

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending CHF 6’000 gives your recipient 2’022’632.66 PKR.

The transfer can be paid for by bank transfer, debit card, and credit card.

You can pay from your Swiss bank account

Send CHF to the account details provided by the company.

Use the exact reference so it can match the payment to your transfer.

TWINT is mainly for payments in Switzerland, so it does not replace an international transfer to Pakistan.

In Pakistan, they can get PKR delivered as bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay fr.6,000.00

    Rs2,022,633

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay fr.6,000.00

    Rs2,016,486

    -Rs6,147

  3. 3
    Credit card Bank deposit

    You pay fr.6,000.00

    Rs2,016,486

    -Rs6,147

Things to know before sending CHF to Pakistan

The exchange-rate margin usually matters more than the transfer fee from Switzerland. Gift tax and account protection also depend on details that are easy to miss.

Compare CHF/PKR transfer options

For a CHF 6’000 transfer to Pakistan, these are the best options in our comparison.

Cheapest way to send money to Pakistan

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 2’022’632.66 PKR, which is 0.22% more than the next best option.

Fastest way to send money to Pakistan

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 2’001’430.24 PKR in within minutes.

Switzerland is in SEPA, but CHF is not a SEPA currency

Swiss banks can make SEPA payments in euros, but a CHF transfer to PKR requires a conversion.

Same goes for Swiss instant payments.

Money transfer companies can take these as funding methods (since accounts are in Switzerland) but then they switch to an internal network of accounts.

Gift tax depends on your canton

Switzerland has no federal gift tax applied on transfers abroad.

Most cantons impose their own rules, with the amount due usually depending on the value of the gift and your relationship to the recipient.

The Swiss government portal explains how gift tax works here.

Money transfer protection

Do not assume every app used in Switzerland is FINMA-authorised or covered by Swiss deposit insurance.

Some services operate under a foreign licence, and a Swiss virtual IBAN does not by itself create Swiss deposit protection.

Eligible deposits at participating Swiss banks are protected up to CHF 100,000 per customer and bank, but esisuisse confirms that a virtual IBAN or correspondent account may fall outside that protection.

If you’re in doubt about a money transfer company or app, check the legal company behind the service in the FINMA register.

How we analyse the market

Most pricing comes straight from the companies, and anything we collect by hand is marked in the table.

That covers 5 of them sending CHF to Pakistan, refreshed in real time on live searches and compared on rates, fees and the ways to pay and collect.

In the past 30 days alone, we analysed 119 comparisons across 4 amounts.

This page covers the cheapest and fastest options for CHF/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 how to get started.

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