How to send money to Pakistan from Sweden with the best SEK-PKR rate

From 5 companies analysed, TapTap Send is the cheapest way to send money to Pakistan, giving your recipient 2 269 600 PKR when you send SEK 80 000.

Deposit with debit card and use bank deposit for withdrawal to get the most PKR.

Best companies for SEK/PKR transfers

5 of 5 providers

Last updated on 10 November 2026

Based on 80,000 SEK transfer

Best companies for SEK/PKR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 534,76 kr 1 SEK = 28.2563 PKR +0.01% vs mid-market Recipient gets 2 245 393,66 Rs Same day
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 depositSame dayAvailable via:Bank Transfer
534,76 kr1 SEK = 28.2563 PKR
2 245 393,66 RsYou pay80 000,00 kr
Promoted

Regency FX

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 28.1833 PKR +0.27% vs mid-market Recipient gets 2 254 662,57 Rs Minutes - 24 hours
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 SEK = 28.1833 PKR
2 254 662,57 RsYou pay80 000,00 kr

Run a live search

Showing top Sweden to Pakistan deals for 80,000 SEK. Do a live search with your exact amount for today's best rates.

TapTap Send

Pay via Debit card
Fee 0,00 kr 1 SEK = 28.3700 PKR -0.39% vs mid-market Recipient gets 2 269 600,00 Rs Minutes
Cheapest
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 SEK = 28.3700 PKR
2 269 600,00 RsYou pay80 000,00 kr
Cash pickupMinutesAvailable via:Bank Al-Habib Cash Pickup, Faysal Bank Cash Pickup, UBL Cash Pickup
Free1 SEK = 28.3700 PKR
2 269 600,00 RsYou pay80 000,00 kr
Mobile moneyMinutesAvailable via:Easypaisa, JazzCash, NayaPay
Free1 SEK = 28.3700 PKR
2 269 600,00 RsYou pay80 000,00 kr
Mobile walletMinutesAvailable via:SadaPay
Free1 SEK = 28.3700 PKR
2 269 600,00 RsYou pay80 000,00 kr
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 28.1833 PKR +0.27% vs mid-market Recipient gets 2 254 662,57 Rs Minutes - 24 hours
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 SEK = 28.1833 PKR
2 254 662,57 RsYou pay80 000,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee 0,00 kr 1 SEK = 28.1380 PKR +0.43% vs mid-market Recipient gets 2 251 040,00 Rs Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 SEK = 28.1380 PKR
2 251 040,00 RsYou pay80 000,00 kr
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
Free1 SEK = 28.1336 PKR
2 250 688,00 RsYou pay80 000,00 kr
Cash pickupMinutes - 24 hours
38,00 kr1 SEK = 27.9720 PKR
2 237 760,00 RsYou pay80 038,00 kr
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
720,00 kr1 SEK = 27.6909 PKR
2 215 272,00 RsYou pay80 720,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee 0,00 kr 1 SEK = 28.1380 PKR +0.43% vs mid-market Recipient gets 2 251 040,00 Rs Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 SEK = 28.1380 PKR
2 251 040,00 RsYou pay80 000,00 kr
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
Free1 SEK = 28.1336 PKR
2 250 688,00 RsYou pay80 000,00 kr
Cash pickupMinutes - 24 hours
38,00 kr1 SEK = 27.9720 PKR
2 237 760,00 RsYou pay80 038,00 kr
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
720,00 kr1 SEK = 27.6909 PKR
2 215 272,00 RsYou pay80 720,00 kr
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee 0,00 kr 1 SEK = 28.1380 PKR +0.43% vs mid-market Recipient gets 2 251 040,00 Rs Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
Free1 SEK = 28.1380 PKR
2 251 040,00 RsYou pay80 000,00 kr
Mobile walletMinutes - 24 hoursAvailable via:Select Wallets
Free1 SEK = 28.1336 PKR
2 250 688,00 RsYou pay80 000,00 kr
Cash pickupMinutes - 24 hours
38,00 kr1 SEK = 27.9720 PKR
2 237 760,00 RsYou pay80 038,00 kr

Wise

Pay via Bank transfer
Fee 534,76 kr 1 SEK = 28.2563 PKR +0.01% vs mid-market Recipient gets 2 245 393,66 Rs Same day
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 depositSame dayAvailable via:Bank Transfer
534,76 kr1 SEK = 28.2563 PKR
2 245 393,66 RsYou pay80 000,00 kr
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 820,00 kr 1 SEK = 28.1343 PKR +0.44% vs mid-market Recipient gets 2 227 671,30 Rs 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
820,00 kr1 SEK = 28.1343 PKR
2 227 671,30 RsYou pay80 000,00 kr

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.

Wise

Pay via Debit card
Fee 1 393,76 kr 1 SEK = 28.2563 PKR +0.01% vs mid-market Recipient gets 2 221 121,50 Rs Within minutes
Multi-currency cardReceive 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
1 393,76 kr1 SEK = 28.2563 PKR
2 221 121,50 RsYou pay80 000,00 kr

Wise

Pay via Credit card
Fee 1 555,64 kr 1 SEK = 28.2563 PKR +0.01% vs mid-market Recipient gets 2 216 547,37 Rs Within minutes
Multi-currency cardReceive 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
1 555,64 kr1 SEK = 28.2563 PKR
2 216 547,37 RsYou pay80 000,00 kr
How Our Results Work
Mid-market rate: 1 SEK = 28.2596 PKR Updates every 60 minutes.

How to send money from Sweden to Pakistan

Pick a company

For a one-off SEK transfer to Pakistan, I suggest picking the cheapest option which is TapTap Send.

TapTap Send was the cheapest on 25 of the 26 days it quoted kr80 000 transfers to Pakistan.

On a 80 000 SEK transfer, TapTap Send delivers the most PKR.

The best option will change depending on how much you actually send, so I suggest to get the best SEK/PKR rate.

Fund your transfer

You can pay for the transfer using bank transfer, debit card, and credit card.

A transfer from your Swedish bank is usually the easiest way to fund the transfer.

Verify and send

Before you can send money to Pakistan, you'll need to verify your account.

Most companies do it with BankID.

If you can't get BankID yet, some companies will take a passport instead (but it's less common).

Compare amounts

How much SEK are you sending to Pakistan?

How much SEK 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 TapTap Send was the cheapest in 96% of the transfers from SEK 50,000 it quoted, and in 60% of all the transfers it quoted.

Cheapest service
5 000 kr-1.49%0,00 kr143 550,00 Rswith debit card to bank deposit+2 340,96 Rs
10 000 kr-1.39%0,00 kr286 500,00 Rswith debit card to bank deposit+5 773,40 Rs
25 000 kr-0.30%0,00 kr709 250,00 Rswith debit card to bank deposit+9 321,00 Rs
50 000 kr-0.39%0,00 kr1 418 500,00 Rswith debit card to bank deposit+20 555,59 Rs
80 000 krThis page-0.39%0,00 kr2 269 600,00 Rswith debit card to bank deposit+26 475,96 Rs

Mid-market rate: 1 SEK = 28.2596 PKR

SEK/PKR Exchange Rate History

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

The cheapest way to send SEK 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 TapTap Send), across 30 days of comparisons for 80 000 SEK transfers to Pakistan.

PKR received for 80 000 kr, after fees

Tue, 10 Nov 2026Mid-market rate2 260 766,64 Rs TapTap Send 2 269 600,00 RsTapTap Send2 269 600,00 RsRegency FX2 254 662,57 RsMoneyGram2 251 040,00 Rs

2,20M
2,22M
2,24M
2,26M
2,28M
2,30M
At the mid-market rateWith the cheapest optionTapTap SendRegency FXMoneyGram
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.6922 – 2 215 378,00 Rs
TapTap Send Cheapest 27.8300 0,00 kr 2 226 400,00 Rs +11 022,00 Rs
MoneyGram 27.7534 38,00 kr 2 220 272,00 Rs +4 894,00 Rs
Regency FX 27.6175 0,00 kr 2 209 396,48 Rs −5 981,52 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.6967 – 2 215 733,20 Rs
TapTap Send Cheapest 27.8300 0,00 kr 2 226 400,00 Rs +10 666,80 Rs
Regency FX 27.6219 0,00 kr 2 209 750,72 Rs −5 982,48 Rs
MoneyGram 27.5981 0,00 kr 2 207 848,00 Rs −7 885,20 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.7716 – 2 221 730,48 Rs
TapTap Send Cheapest 27.9100 0,00 kr 2 232 800,00 Rs +11 069,52 Rs
MoneyGram 27.6313 38,00 kr 2 210 504,00 Rs −11 226,48 Rs
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.7412 – 2 219 299,44 Rs
TapTap Send Cheapest 27.9300 0,00 kr 2 234 400,00 Rs +15 100,56 Rs
MoneyGram 27.7415 38,00 kr 2 219 320,00 Rs +20,56 Rs
Regency FX 27.6663 0,00 kr 2 213 307,33 Rs −5 992,11 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.9169 – 2 233 355,92 Rs
TapTap Send Cheapest 28.0000 0,00 kr 2 240 000,00 Rs +6 644,08 Rs
Regency FX 27.8416 0,00 kr 2 227 325,86 Rs −6 030,06 Rs
MoneyGram 27.6743 0,00 kr 2 213 944,00 Rs −19 411,92 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.9687 – 2 237 499,36 Rs
TapTap Send Cheapest 28.1100 0,00 kr 2 248 800,00 Rs +11 300,64 Rs
MoneyGram 27.9233 0,00 kr 2 233 864,00 Rs −3 635,36 Rs
Regency FX 27.8932 0,00 kr 2 231 458,11 Rs −6 041,25 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.9687 – 2 237 499,36 Rs
TapTap Send Cheapest 28.1100 0,00 kr 2 248 800,00 Rs +11 300,64 Rs
MoneyGram 27.9233 0,00 kr 2 233 864,00 Rs −3 635,36 Rs
Regency FX 27.8932 0,00 kr 2 231 458,11 Rs −6 041,25 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.9980 – 2 239 838,88 Rs
Regency FX Cheapest 27.9224 0,00 kr 2 233 791,32 Rs −6 047,56 Rs
TapTap Send No quote collected this day – – – –
MoneyGram No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.9631 – 2 237 045,44 Rs
TapTap Send Cheapest 28.1200 0,00 kr 2 249 600,00 Rs +12 554,56 Rs
Regency FX 27.8876 0,00 kr 2 231 005,42 Rs −6 040,02 Rs
MoneyGram 27.8530 0,00 kr 2 228 240,00 Rs −8 805,44 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.8764 – 2 230 114,16 Rs
MoneyGram Cheapest 27.8639 0,00 kr 2 229 112,00 Rs −1 002,16 Rs
TapTap Send No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 28.0210 – 2 241 676,88 Rs
TapTap Send Cheapest 28.1300 0,00 kr 2 250 400,00 Rs +8 723,12 Rs
Regency FX 27.9453 0,00 kr 2 235 624,35 Rs −6 052,53 Rs
MoneyGram 27.8887 0,00 kr 2 231 096,00 Rs −10 580,88 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.8871 – 2 230 967,20 Rs
TapTap Send Cheapest 28.0300 0,00 kr 2 242 400,00 Rs +11 432,80 Rs
MoneyGram 27.9143 0,00 kr 2 233 144,00 Rs +2 176,80 Rs
Regency FX 27.8118 0,00 kr 2 224 943,59 Rs −6 023,61 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.8426 – 2 227 409,44 Rs
Regency FX Cheapest 27.7674 0,00 kr 2 221 395,43 Rs −6 014,01 Rs
TapTap Send No quote collected this day – – – –
MoneyGram No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.8426 – 2 227 409,44 Rs
Regency FX Cheapest 27.7674 0,00 kr 2 221 395,43 Rs −6 014,01 Rs
TapTap Send No quote collected this day – – – –
MoneyGram No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.8041 – 2 224 331,52 Rs
TapTap Send Cheapest 27.9500 0,00 kr 2 236 000,00 Rs +11 668,48 Rs
MoneyGram 27.8072 0,00 kr 2 224 576,00 Rs +244,48 Rs
Regency FX 27.7291 0,00 kr 2 218 325,82 Rs −6 005,70 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.8192 – 2 225 537,84 Rs
TapTap Send Cheapest 28.0000 0,00 kr 2 240 000,00 Rs +14 462,16 Rs
MoneyGram 27.8108 0,00 kr 2 224 864,00 Rs −673,84 Rs
Regency FX 27.7441 0,00 kr 2 219 528,89 Rs −6 008,95 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.8188 – 2 225 503,36 Rs
TapTap Send Cheapest 28.0000 0,00 kr 2 240 000,00 Rs +14 496,64 Rs
MoneyGram 27.7576 0,00 kr 2 220 608,00 Rs −4 895,36 Rs
Regency FX 27.7437 0,00 kr 2 219 494,50 Rs −6 008,86 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.8659 – 2 229 275,44 Rs
TapTap Send Cheapest 28.0000 0,00 kr 2 240 000,00 Rs +10 724,56 Rs
MoneyGram 27.7933 0,00 kr 2 223 464,00 Rs −5 811,44 Rs
Regency FX 27.7907 0,00 kr 2 223 256,40 Rs −6 019,04 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 28.1314 – 2 250 509,84 Rs
TapTap Send Cheapest 28.2900 0,00 kr 2 263 200,00 Rs +12 690,16 Rs
Regency FX 28.0554 0,00 kr 2 244 433,46 Rs −6 076,38 Rs
MoneyGram 27.9458 0,00 kr 2 235 664,00 Rs −14 845,84 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 28.1191 – 2 249 531,76 Rs
TapTap Send Cheapest 28.2600 0,00 kr 2 260 800,00 Rs +11 268,24 Rs
MoneyGram 28.1747 0,00 kr 2 253 976,00 Rs +4 444,24 Rs
Regency FX 28.0432 0,00 kr 2 243 458,02 Rs −6 073,74 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 28.1191 – 2 249 531,76 Rs
TapTap Send Cheapest 28.2600 0,00 kr 2 260 800,00 Rs +11 268,24 Rs
MoneyGram 28.1747 0,00 kr 2 253 976,00 Rs +4 444,24 Rs
Regency FX 28.0432 0,00 kr 2 243 458,02 Rs −6 073,74 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 28.3125 – 2 264 997,60 Rs
TapTap Send Cheapest 28.4200 0,00 kr 2 273 600,00 Rs +8 602,40 Rs
Regency FX 28.2360 0,00 kr 2 258 882,11 Rs −6 115,49 Rs
MoneyGram 28.1747 0,00 kr 2 253 976,00 Rs −11 021,60 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 28.2495 – 2 259 960,80 Rs
TapTap Send Cheapest 28.4100 0,00 kr 2 272 800,00 Rs +12 839,20 Rs
MoneyGram 28.3503 0,00 kr 2 268 024,00 Rs +8 063,20 Rs
Regency FX 28.1732 0,00 kr 2 253 858,91 Rs −6 101,89 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 28.1969 – 2 255 750,32 Rs
TapTap Send Cheapest 28.3600 0,00 kr 2 268 800,00 Rs +13 049,68 Rs
MoneyGram 28.2337 0,00 kr 2 258 696,00 Rs +2 945,68 Rs
Regency FX 28.1207 0,00 kr 2 249 659,79 Rs −6 090,53 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 28.5183 – 2 281 461,20 Rs
TapTap Send Cheapest 28.6500 0,00 kr 2 292 000,00 Rs +10 538,80 Rs
Regency FX 28.4413 0,00 kr 2 275 301,25 Rs −6 159,95 Rs
MoneyGram 28.3558 0,00 kr 2 268 464,00 Rs −12 997,20 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 28.1008 – 2 248 067,60 Rs
MoneyGram Cheapest 28.3020 0,00 kr 2 264 160,00 Rs +16 092,40 Rs
TapTap Send 28.3000 0,00 kr 2 264 000,00 Rs +15 932,40 Rs
Regency FX 28.0250 0,00 kr 2 241 997,82 Rs −6 069,78 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 27.9574 – 2 236 595,52 Rs
TapTap Send Cheapest 28.0900 0,00 kr 2 247 200,00 Rs +10 604,48 Rs
MoneyGram 28.0132 720,00 kr 2 241 056,00 Rs +4 460,48 Rs
Regency FX 27.8820 0,00 kr 2 230 556,71 Rs −6 038,81 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 28.0082 – 2 240 652,88 Rs
TapTap Send Cheapest 28.1500 0,00 kr 2 252 000,00 Rs +11 347,12 Rs
MoneyGram 27.9768 720,00 kr 2 238 144,00 Rs −2 508,88 Rs
Regency FX 27.9325 0,00 kr 2 234 603,12 Rs −6 049,76 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 28.0861 – 2 246 885,76 Rs
TapTap Send Cheapest 28.2000 0,00 kr 2 256 000,00 Rs +9 114,24 Rs
Regency FX 28.0102 0,00 kr 2 240 819,17 Rs −6 066,59 Rs
MoneyGram 27.9768 720,00 kr 2 238 144,00 Rs −8 741,76 Rs
Exchange rateFeeRecipient getsDifference
Mid-market rate 28.2596 – 2 260 766,64 Rs
TapTap Send Cheapest 28.3700 0,00 kr 2 269 600,00 Rs +8 833,36 Rs
Regency FX 28.1833 0,00 kr 2 254 662,57 Rs −6 104,07 Rs
MoneyGram 28.1380 0,00 kr 2 251 040,00 Rs −9 726,64 Rs

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send 80 000 kr, after fees, as quoted by each company. The mid-market line shows what 80 000 kr 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 SEK 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 26 of the last 30 days.

Right now, TapTap Send pays 2 269 600 PKR on 80 000 SEK, which is 8 833,36 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 2 292 000 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 146 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. TapTap SendAppeared in 126 comparisons

    Cheapest in 60% of them

  2. Regency FXAppeared in 28 comparisons

    Cheapest in 11% of them

  3. MoneyGramAppeared in 128 comparisons

    Cheapest in 7% of them

Based on 146 comparisons across 5 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 TapTap Send is the cheapest and gets you the most PKR, and it was also the cheapest in 60% of the 126 comparisons it appeared in over the past month.

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

Ways to send money from Sweden to Pakistan

5 companies send money from Sweden to Pakistan, mostly through app, online, multi-currency account, global business account, currency broker, and in person, and a few more ways.

Medium-sized transfers

Online transfers

For a one-off transfer to Pakistan, an online service like MoneyGram is usually the simplest place to start.

MoneyGram charges kr0 to send 80 000 SEK, leaving your recipient with 2 251 040 PKR after a 0,43% markup on SEK/PKR exchange rate.

In our comparisons over the past month, it was the cheapest online service on 24 of the 27 days it quoted.

Regular SEK transfers

Money transfer apps

For smaller regular transfers, apps are the most convenient and easiest way to send money to Pakistan.

TapTap Send charges kr0 on a 80 000 SEK transfer and money will arrive in minutes.

Over the past month, TapTap Send was the cheapest app on 96% of the days it appeared for kr80 000 transfers.

Your recipient can withdraw via bank deposit, mobile wallet, cash pickup, mobile money, and card deposit.

In many cases you will need a BankID to verify your account, but a few will do with a passport or driver's licence.

Spending and travelling

Multi-currency accounts

A multi-currency account makes sense if you regularly need PKR.

You can convert your kronor in advance and use the balance when needed without extra fees.

Wise converts SEK 80 000 with a 0,01% exchange-rate markup and holds the PKR in your account.

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

Paying from business accounts

Global accounts

If your business receives and sends money in Pakistan, a global account keeps the PKR in one place.

You can pay invoices from the balance and convert when needed.

WorldFirst and Airwallex are good options to try.

Ways to fund SEK and receive PKR in Pakistan

With TapTap Send, paying by debit card and receiving through bank deposit is the cheapest combination. Sending 80 000 SEK gives your recipient 2 269 600 PKR.

From Sweden, you can fund the transfer by bank transfer, debit card, and credit card, and in Pakistan, the recipient can use bank deposit, mobile wallet, cash pickup, mobile money, and card deposit.

Paying from your Swedish bank account

Send SEK using the account and reference shown by the money transfer company.

You may need to use BankID to approve and verify the payment.

They can receive money to their mobile money wallet.

Enter the mobile number in Pakistan and choose the correct network.

The registered name should match the transfer details.

Use our payout filters above to find the best company offering mobile money as payout.

For cash pickup, they can collect PKR from a nearby MoneyGram agent in Pakistan.

Swish is useful for payments within Sweden, but it does not send PKR to Pakistan.

  1. 1
    Debit card Bank deposit

    You pay kr80,000.00

    Rs2,269,600

    Cheapest

  2. 2
    Debit card Cash pickup

    You pay kr80,000.00

    Rs2,269,600

    Rs0

  3. 3
    Debit card Mobile money

    You pay kr80,000.00

    Rs2,269,600

    Rs0

  4. 4
    Debit card Mobile wallet

    You pay kr80,000.00

    Rs2,269,600

    Rs0

  5. 5
    Bank transfer Bank deposit

    You pay kr80,000.00

    Rs2,254,663

    -Rs14,937

Show moreShow less
  1. 6
    Credit card Bank deposit

    You pay kr80,000.00

    Rs2,251,040

    -Rs18,560

  2. 7
    Bank transfer Mobile wallet

    You pay kr80,000.00

    Rs2,250,688

    -Rs18,912

  3. 8
    Credit card Mobile wallet

    You pay kr80,000.00

    Rs2,250,688

    -Rs18,912

  4. 9
    Bank transfer Cash pickup

    You pay kr80,038.00

    Rs2,237,760

    -Rs31,840

  5. 10
    Credit card Cash pickup

    You pay kr80,038.00

    Rs2,237,760

    -Rs31,840

  6. 11
    Debit card Card deposit

    You pay kr80,720.00

    Rs2,215,272

    -Rs54,328

  7. 12
    Credit card Card deposit

    You pay kr80,720.00

    Rs2,215,272

    -Rs54,328

Consider this before sending SEK to Pakistan

Swedish banks are safe but often expensive for foreign payments. Compare money transfer companies available to get the most PKR from Sweden.

Compare SEK to PKR transfer options

Cheapest way to send money to Pakistan

The cheapest option for an SEK 80 000 transfer is TapTap Send. Pay by debit card and choose bank deposit for the payout. Your recipient gets 2 269 600 PKR, which is 0,66% more than the next best option.

Fastest way to send money to Pakistan

With Revolut, a bank transfer deposit and bank deposit payout delivers 2 227 671,30 PKR in within minutes.

Swish only works in Sweden

Swish moves money between participating Swedish accounts, it cannot send SEK to Pakistan.

You may still use a Swedish bank transfer to pay for the transfer online, but beyond that, the company will move SEK to Pakistan over local rails or SWIFT.

Avoid delays

A bank can ask for the purpose and source of a large or unusual payment.

Property sales, inheritances and transfers between your own accounts are easier to clear when the documents match the description you gave the bank.

Tell your bank before a time-sensitive payment and keep the sale contract, estate document or account statement ready.

And do not split one large payment into many small ones, since it can trigger more questions.

Sweden does not charge gift tax

Sweden has no gift or inheritance tax, so sending a cash gift does not create a Swedish gift-tax return.

Pakistan may have their own rules on receiving monetary gifts.

How we analyse the market

We track 5 companies sending SEK to Pakistan, all registered with Finansinspektionen or passported in, with rates refreshed in real time on live searches.

The krona floats, so we compare on what actually arrives, alongside fees and the ways to pay and collect.

In the past 30 days alone, we analysed 146 comparisons across 5 amounts.

This page covers the cheapest and fastest options for SEK/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.