How to send money to Pakistan from Singapore with the best SGD-PKR rate

Revolut is the fastest way to send money to Pakistan from Singapore right now, with delivery in within minutes. Regency FX is cheapest overall, paying out 2,160,454.63 PKR for a S$10,000 transfer.

Best companies for SGD/PKR transfers

5 of 5 providers

Last updated on 10 November 2026

Based on 10,000 SGD transfer

Best companies for SGD/PKR transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee $46.80 1 SGD = 216.6460 PKR -0.01% vs mid-market Recipient gets Rs 2,156,320.97 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
$46.801 SGD = 216.6460 PKR
Rs 2,156,320.97You pay$10,000.00
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 SGD = 212.5324 PKR +1.91% vs mid-market Recipient gets Rs 2,125,324.00 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 SGD = 212.5324 PKR
Rs 2,125,324.00You pay$10,000.00

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Regency FX

Pay via Bank transfer
Fee $0.00 1 SGD = 216.0455 PKR +0.27% vs mid-market Recipient gets Rs 2,160,454.63 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 SGD = 216.0455 PKR
Rs 2,160,454.63You pay$10,000.00

Wise

Pay via Bank transfer
Fee $46.80 1 SGD = 216.6460 PKR -0.01% vs mid-market Recipient gets Rs 2,156,320.97 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
$46.801 SGD = 216.6460 PKR
Rs 2,156,320.97You pay$10,000.00

Wise

Pay via PayNow
Fee $46.80 1 SGD = 216.6460 PKR -0.01% vs mid-market Recipient gets Rs 2,156,320.97 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
$46.801 SGD = 216.6460 PKR
Rs 2,156,320.97You pay$10,000.00

OFX

Pay via Bank transfer
Fee $0.00 1 SGD = 215.5472 PKR +0.50% vs mid-market Recipient gets Rs 2,155,472.13 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 SGD = 215.5472 PKR
Rs 2,155,472.13You pay$10,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee $50.90 1 SGD = 215.8267 PKR +0.37% vs mid-market Recipient gets Rs 2,147,281.04 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
$50.901 SGD = 215.8267 PKR
Rs 2,147,281.04You pay$10,000.00

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.

Xe

Pay via Bank transfer
Fee $0.00 1 SGD = 212.5324 PKR +1.91% vs mid-market Recipient gets Rs 2,125,324.00 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 SGD = 212.5324 PKR
Rs 2,125,324.00You pay$10,000.00

Wise

Pay via Debit card
Fee $501.58 1 SGD = 216.6460 PKR -0.01% vs mid-market Recipient gets Rs 2,057,794.70 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
$501.581 SGD = 216.6460 PKR
Rs 2,057,794.70You pay$10,000.00
How Our Results Work
Mid-market rate: 1 SGD = 216.6304 PKR Updates every 60 minutes.

How to send money from Singapore to Pakistan

Pick a company

I suggest starting with Regency FX which is the cheapest option for sending S$10,000.

Regency FX was the cheapest on 22 of the 27 days it quoted S$10,000 transfers to Pakistan.

Fund your transfer

There are 3 methods to fund the transfer from Singapore, including bank transfer, PayNow, and debit card.

Where possible, use PayNow to fund your account, it is usually free and takes seconds.

Verify and send

Before you can send money to Pakistan, you'll need to verify your account using Singpass, or a passport and pass if you're not a resident.

Compare amounts

How much SGD are you sending to Pakistan?

How much SGD 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 S$5,000 it quoted, and in 81% of all the transfers it quoted.

Cheapest service
$1,0000.25%$0.00Rs 216,039.70with cash deposit to cash pickup+Rs 2,701.85
$5,0000.37%$0.90Rs 1,078,512.51with bank transfer to bank deposit+Rs 14,282.13
$10,000This page0.27%$0.00Rs 2,160,454.63with bank transfer to bank deposit+Rs 23,459.14

Mid-market rate: 1 SGD = 216.6304 PKR

SGD/PKR Exchange Rate History

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

The cheapest way to send SGD 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 10,000 SGD transfers to Pakistan.

PKR received for $10,000, after fees

Tue, 10 Nov 2026Mid-market rateRs 2,166,303.65 Regency FX Rs 2,160,454.63Regency FXRs 2,160,454.63WiseRs 2,156,320.97OFXRs 2,155,472.13

2.13M
2.14M
2.15M
2.16M
2.17M
2.18M
At the mid-market rateWith the cheapest optionRegency FXWiseOFX
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.2270 – Rs 2,162,269.73
Regency FX Cheapest 215.6432 $0.00 Rs 2,156,431.60 −Rs 5,838.13
Wise 216.4420 $46.80 Rs 2,154,290.51 −Rs 7,979.22
OFX 215.1458 $0.00 Rs 2,151,458.38 −Rs 10,811.35
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.7029 – Rs 2,167,029.16
Regency FX Cheapest 216.1178 $0.00 Rs 2,161,178.18 −Rs 5,850.98
OFX 215.6194 $0.00 Rs 2,156,194.01 −Rs 10,835.15
Wise 216.4160 $46.80 Rs 2,154,031.73 −Rs 12,997.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 215.3442 – Rs 2,153,442.17
Regency FX Cheapest 214.7628 $0.00 Rs 2,147,627.88 −Rs 5,814.29
Wise 215.3230 $46.81 Rs 2,143,150.73 −Rs 10,291.44
OFX 214.2675 $0.00 Rs 2,142,674.96 −Rs 10,767.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 215.6901 – Rs 2,156,901.46
Regency FX Cheapest 215.1078 $0.00 Rs 2,151,077.83 −Rs 5,823.63
Wise 215.9360 $46.80 Rs 2,149,254.20 −Rs 7,647.26
OFX 214.6117 $0.00 Rs 2,146,116.95 −Rs 10,784.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.3276 – Rs 2,163,275.85
Regency FX Cheapest 215.7435 $0.00 Rs 2,157,435.01 −Rs 5,840.84
Wise 216.4590 $46.80 Rs 2,154,459.72 −Rs 8,816.13
OFX 215.2459 $0.00 Rs 2,152,459.47 −Rs 10,816.38
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 216.3580 $46.80 Rs 2,153,454.45 –
Regency FX No quote collected this day – – – –
OFX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.2364 – Rs 2,162,363.52
Regency FX Cheapest 215.6525 $0.00 Rs 2,156,525.14 −Rs 5,838.38
Wise 216.3580 $46.80 Rs 2,153,454.45 −Rs 8,909.07
OFX 215.1552 $0.00 Rs 2,151,551.70 −Rs 10,811.82
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 216.3410 $46.80 Rs 2,153,285.24 –
Regency FX No quote collected this day – – – –
OFX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 216.5950 $46.80 Rs 2,155,813.35 –
Regency FX No quote collected this day – – – –
OFX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.1680 – Rs 2,161,680.36
Wise Cheapest 216.6550 $46.80 Rs 2,156,410.55 −Rs 5,269.81
Regency FX 215.5844 $0.00 Rs 2,155,843.82 −Rs 5,836.54
OFX 215.0872 $0.00 Rs 2,150,871.96 −Rs 10,808.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.7904 – Rs 2,167,903.74
Regency FX Cheapest 216.2050 $0.00 Rs 2,162,050.40 −Rs 5,853.34
Wise 216.8500 $46.80 Rs 2,158,351.42 −Rs 9,552.32
OFX 215.7064 $0.00 Rs 2,157,064.22 −Rs 10,839.52
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.4080 – Rs 2,164,080.16
Regency FX Cheapest 215.8237 $0.00 Rs 2,158,237.14 −Rs 5,843.02
Wise 216.5610 $46.80 Rs 2,155,474.95 −Rs 8,605.21
OFX 215.3260 $0.00 Rs 2,153,259.76 −Rs 10,820.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.5609 – Rs 2,165,608.75
Regency FX Cheapest 215.9762 $0.00 Rs 2,159,761.61 −Rs 5,847.14
Wise 216.5870 $46.80 Rs 2,155,733.73 −Rs 9,875.02
OFX 215.4781 $0.00 Rs 2,154,780.71 −Rs 10,828.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.5609 – Rs 2,165,608.75
Regency FX Cheapest 215.9762 $0.00 Rs 2,159,761.61 −Rs 5,847.14
Wise 216.5870 $46.80 Rs 2,155,733.73 −Rs 9,875.02
OFX 215.4781 $0.00 Rs 2,154,780.71 −Rs 10,828.04
Exchange rateFeeRecipient getsDifference
Mid-market rate 215.8089 – Rs 2,158,089.10
Wise Cheapest 216.3670 $46.80 Rs 2,153,544.02 −Rs 4,545.08
Regency FX 215.2262 $0.00 Rs 2,152,262.26 −Rs 5,826.84
OFX 214.7299 $0.00 Rs 2,147,298.65 −Rs 10,790.45
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.3952 – Rs 2,163,952.11
Regency FX Cheapest 215.8109 $0.00 Rs 2,158,109.44 −Rs 5,842.67
OFX 215.3132 $0.00 Rs 2,153,132.35 −Rs 10,819.76
Wise 216.0380 $46.80 Rs 2,150,269.42 −Rs 13,682.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.2666 – Rs 2,162,665.88
Regency FX Cheapest 215.6827 $0.00 Rs 2,156,826.68 −Rs 5,839.20
OFX 215.1853 $0.00 Rs 2,151,852.55 −Rs 10,813.33
Wise 215.9790 $46.80 Rs 2,149,682.18 −Rs 12,983.70
Exchange rateFeeRecipient getsDifference
Mid-market rate 215.6174 – Rs 2,156,173.81
Regency FX Cheapest 215.0352 $0.00 Rs 2,150,352.14 −Rs 5,821.67
Wise 215.9960 $46.80 Rs 2,149,851.39 −Rs 6,322.42
OFX 214.5393 $0.00 Rs 2,145,392.94 −Rs 10,780.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.5118 – Rs 2,165,117.61
Regency FX Cheapest 215.9272 $0.00 Rs 2,159,271.79 −Rs 5,845.82
Wise 216.5800 $46.80 Rs 2,155,664.06 −Rs 9,453.55
OFX 215.4292 $0.00 Rs 2,154,292.02 −Rs 10,825.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.0648 – Rs 2,160,647.74
Revolut Cheapest 218.7965 $150.90 Rs 2,154,948.17 −Rs 5,699.57
Wise 216.5030 $46.80 Rs 2,154,897.66 −Rs 5,750.08
Regency FX 215.4814 $0.00 Rs 2,154,813.99 −Rs 5,833.75
OFX 214.9845 $0.00 Rs 2,149,844.50 −Rs 10,803.24
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.0648 – Rs 2,160,647.74
Wise Cheapest 216.5030 $46.80 Rs 2,154,897.66 −Rs 5,750.08
Regency FX 215.4814 $0.00 Rs 2,154,813.99 −Rs 5,833.75
OFX 214.9845 $0.00 Rs 2,149,844.50 −Rs 10,803.24
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.9661 – Rs 2,169,661.15
Regency FX Cheapest 216.3803 $0.00 Rs 2,163,803.06 −Rs 5,858.09
OFX 215.8813 $0.00 Rs 2,158,812.84 −Rs 10,848.31
Wise 216.3930 $46.80 Rs 2,153,802.81 −Rs 15,858.34
Exchange rateFeeRecipient getsDifference
Mid-market rate 215.9969 – Rs 2,159,969.39
Regency FX Cheapest 215.4137 $0.00 Rs 2,154,137.47 −Rs 5,831.92
Wise 216.1570 $46.80 Rs 2,151,453.85 −Rs 8,515.54
OFX 214.9170 $0.00 Rs 2,149,169.54 −Rs 10,799.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 215.2049 – Rs 2,152,048.82
Wise Cheapest 216.3970 $46.80 Rs 2,153,842.62 +Rs 1,793.80
Regency FX 214.6238 $0.00 Rs 2,146,238.29 −Rs 5,810.53
OFX 214.1289 $0.00 Rs 2,141,288.58 −Rs 10,760.24
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.7225 – Rs 2,167,224.83
Regency FX Cheapest 216.1373 $0.00 Rs 2,161,373.32 −Rs 5,851.51
Wise 216.7950 $46.80 Rs 2,157,803.99 −Rs 9,420.84
OFX 215.6389 $0.00 Rs 2,156,388.71 −Rs 10,836.12
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.2088 – Rs 2,162,088.44
Regency FX Cheapest 215.6251 $0.00 Rs 2,156,250.80 −Rs 5,837.64
OFX 215.1278 $0.00 Rs 2,151,278.00 −Rs 10,810.44
Wise 216.0280 $46.80 Rs 2,150,169.89 −Rs 11,918.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 215.6746 – Rs 2,156,745.67
Regency FX Cheapest 215.0922 $0.00 Rs 2,150,922.46 −Rs 5,823.21
OFX 214.5962 $0.00 Rs 2,145,961.94 −Rs 10,783.73
Wise No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.0490 – Rs 2,160,489.71
Regency FX Cheapest 215.4656 $0.00 Rs 2,154,656.39 −Rs 5,833.32
OFX 214.9687 $0.00 Rs 2,149,687.26 −Rs 10,802.45
Wise 215.6240 $46.81 Rs 2,146,146.64 −Rs 14,343.07
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.3769 – Rs 2,163,768.69
Regency FX Cheapest 215.7927 $0.00 Rs 2,157,926.51 −Rs 5,842.18
OFX 215.2950 $0.00 Rs 2,152,949.85 −Rs 10,818.84
Wise 216.0790 $46.80 Rs 2,150,677.50 −Rs 13,091.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 216.6304 – Rs 2,166,303.65
Regency FX Cheapest 216.0455 $0.00 Rs 2,160,454.63 −Rs 5,849.02
Wise 216.6460 $46.80 Rs 2,156,320.97 −Rs 9,982.68
OFX 215.5472 $0.00 Rs 2,155,472.13 −Rs 10,831.52

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send $10,000, after fees, as quoted by each company. The mid-market line shows what $10,000 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 SGD 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 1 of the last 30 days.

Right now, Regency FX pays 2,160,454.63 PKR on 10,000 SGD, which is 5,849.02 PKR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 2,163,803.06 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 89 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

  1. Regency FXAppeared in 27 comparisons

    Cheapest in 81% of them

  2. WiseAppeared in 88 comparisons

    Cheapest in 35% of them

  3. OFXAppeared in 83 comparisons

    Cheapest in 5% of them

Based on 89 comparisons across 3 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, but it only quotes some of the amounts we track, so it isn't included in these figures.

Wise (today's second cheapest) was the cheapest in only 35% of its comparisons, so it's rarely the cheapest option for transfers to Pakistan.

Ways to send money from Singapore to Pakistan

There are 5 ways to send money to Pakistan across 5 money transfer companies.

Cheapest way to send money

Online transfers

Sending PKR from Singapore with a specialist like Wise is quick, easy, and cheap.

You sign up online or through the app, verify account details, enter the amount, fund your transfer, and click send.

Wise charges S$46.80 to send S$10,000, delivering 2,156,320.97 PKR after a -0.01% markup.

In our comparisons over the past month, it was the cheapest online service on 28 of the 29 days it quoted.

Large transfers from Singapore

Currency brokers

Brokers are the best for large SGD transfers to Pakistan.

A currency broker can quote a lower margin on large SGD to PKR transfers and help with the paperwork and the entire process.

For example, Regency FX charges an exchange-rate markup of around 0.27% and no fees.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from S$5,000 it quoted.

Large transfers may be held briefly for Singapore’s anti-scam checks, so if your transfer is time sensitive, start the process a bit earlier.

Regular spending abroad

Multi-currency accounts

A multi-currency account like Wise lets you convert SGD to PKR before travelling or paying your own bills overseas.

And you can hold both currencies in one account.

Wise will get you 2,156,320.97 PKR after fees when converting 10,000 SGD.

Over the past month, it came out cheapest among multi-currency accounts on 97% of days.

Ways to fund SGD and receive PKR in Pakistan

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending S$10,000 gives your recipient 2,160,454.63 PKR.

Pay in SGD through bank transfer, PayNow, and debit card.

Funding the transfer with PayNow

This is the quickest and simplest way to pay for your transfer to Pakistan from Singapore.

Scan the company's PayNow QR code or use its registered identifier.

In Pakistan, they can receive PKR using bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay S$10,000.00

    Rs2,160,455

    Cheapest

  2. 2
    PayNow Bank deposit

    You pay S$10,000.00

    Rs2,156,321

    -Rs4,134

  3. 3
    Debit card Bank deposit

    You pay S$10,000.00

    Rs2,057,795

    -Rs102,660

Things to know before sending SGD to Pakistan

Consider these things before sending money from Singapore to Pakistan.

Compare SGD/PKR transfers

For a S$10,000 transfer to Pakistan, these are the best options to start with:

  1. Cheapest: Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 2,160,454.63 PKR, which is 0.19% more than the next best option.

  2. Fastest: Revolut, funded through bank transfer with bank deposit for the payout. Your recipient gets 2,147,281.04 PKR in within minutes.

SDIC protection

Eligible SGD deposits at participating banks are insured by SDIC up to S$100,000 per depositor and bank.

A balance with a non-bank transfer company is not a bank deposit and does not receive the same cover, even when the company is MAS-licensed.

When unsure, check the legal company in the MAS Financial Institutions Directory before paying.

How we analyse the market

Every company here holds a MAS licence, which you can check yourself on the MAS register.

We track 5 of them on SGD to Pakistan, refreshed in real time on live searches, and compare on the amount that arrives rather than the headline fee.

In the past 30 days alone, we analysed 89 comparisons across 3 amounts.

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