From the 3 money transfer services available, we found WorldRemit to be the cheapest and WorldRemit to be the fastest. You can send ZAR via bank transfer and debit card, and you can receive PKR via bank deposit, mobile money, and cash pickup.
| 4 of 4 providers Last updated on 10 November 2026 | |||
| Based on 4,300 ZAR transfer Best companies for ZAR/PKR transfers | |||
| Promoted  WorldRemit Pay via Debit card | Fee R 41,99 1 ZAR = 16.4501 PKR +2.75% vs mid-market | Recipient gets Rs 70 044,65 Minutes - 2 days | |
Ways to receive money in Pakistan with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days R 41,991 ZAR = 16.4501 PKR Rs 70 044,65You payR 4 300,00 Bank depositMinutes - 2 days R 62,991 ZAR = 16.4163 PKR Rs 69 555,90You payR 4 300,00 Cash pickupMinutes - 2 days R 83,991 ZAR = 16.3655 PKR Rs 68 997,24You payR 4 300,00 | |||
Run a live search Showing top South Africa to Pakistan deals for 4,300 ZAR. 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 ZAR 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 ZAR you're planning to spend in Pakistan. | |||
Run a live search These are managed services with real human support for large ZAR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Only available via Mobile App WorldRemit Pay via Debit card | Fee R 41,99 1 ZAR = 16.4501 PKR +2.75% vs mid-market | Recipient gets Rs 70 044,65 Minutes - 2 days | |
Ways to receive money in Pakistan with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Mobile moneyMinutes - 2 days R 41,991 ZAR = 16.4501 PKR Rs 70 044,65You payR 4 300,00 Bank depositMinutes - 2 days R 62,991 ZAR = 16.4163 PKR Rs 69 555,90You payR 4 300,00 Cash pickupMinutes - 2 days R 83,991 ZAR = 16.3655 PKR Rs 68 997,24You payR 4 300,00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee R 172,00 1 ZAR = 15.8946 PKR +6.00% vs mid-market | Recipient gets Rs 65 612,77 Minutes - 3 days | |
Ways to receive money in Pakistan with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days R 172,001 ZAR = 15.8946 PKR Rs 65 612,77You payR 4 300,00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee R 129,00 1 ZAR = 15.7255 PKR +7.00% vs mid-market | Recipient gets Rs 65 590,96 Minutes - 5 days | |
Ways to receive money in Pakistan with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days R 129,001 ZAR = 15.7255 PKR Rs 65 590,96You payR 4 300,00 | |||
 Mukuru Pay via Debit card | Fee R 1 301,00 1 ZAR = 16.7388 PKR +1.01% vs mid-market | Recipient gets Rs 50 199,66 Minutes - 2 days | |
Ways to receive money in Pakistan with Mukuru when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 2 daysAvailable via:Cash PKR (Meezan, MCB, BOP and Al Baraka), Cash PKR (All Major Banks) R 1 301,001 ZAR = 16.7388 PKR Rs 50 199,66You payR 4 300,00 Bank depositMinutes - 2 daysAvailable via:Bank Top-up PKR R 1 300,001 ZAR = 16.7134 PKR Rs 50 140,20You payR 4 300,00 | |||
| Mukuru Pay via Bank transfer | Fee R 1 301,00 1 ZAR = 16.7388 PKR +1.01% vs mid-market | Recipient gets Rs 50 199,66 Minutes - 2 days | |
Ways to receive money in Pakistan with Mukuru when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 2 daysAvailable via:Cash PKR (Meezan, MCB, BOP and Al Baraka), Cash PKR (All Major Banks) R 1 301,001 ZAR = 16.7388 PKR Rs 50 199,66You payR 4 300,00 Bank depositMinutes - 2 daysAvailable via:Bank Top-up PKR R 1 300,001 ZAR = 16.7134 PKR Rs 50 140,20You payR 4 300,00 | |||
| Mukuru Pay via Cash deposit | Fee R 1 301,00 1 ZAR = 16.7388 PKR +1.01% vs mid-market | Recipient gets Rs 50 199,66 Minutes - 2 days | |
Ways to receive money in Pakistan with Mukuru when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 2 daysAvailable via:Cash PKR (Meezan, MCB, BOP and Al Baraka), Cash PKR (All Major Banks) R 1 301,001 ZAR = 16.7388 PKR Rs 50 199,66You payR 4 300,00 Bank depositMinutes - 2 daysAvailable via:Bank Top-up PKR R 1 300,001 ZAR = 16.7134 PKR Rs 50 140,20You payR 4 300,00 | |||
| How Our Results Work Mid-market rate: 1 ZAR = 16.9091 PKR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Pakistan, I suggest picking the cheapest option which is WorldRemit.
WorldRemit was the cheapest on 23 of the 23 days it quoted R4,300 transfers to Pakistan.
On a 4,300 ZAR transfer, WorldRemit delivers the most PKR.
The best option will change depending on how much you actually send, so I suggest to get the best ZAR/PKR rate.
You have 2 ways to pay, including bank transfer and debit card.
PayShap is the quickest way to fund your transfer, though it caps at R50,000 a transaction.
Above that you're on a normal EFT, which is same-day or next-day rather than instant.
First time round you'll need your ID and proof of address.
Anything beyond your yearly allowance needs a tax number and clearance from SARS first, so check which side of that line you're on.
How much ZAR 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 WorldRemit was the cheapest in 60% of all the transfers it quoted over the past month.
| Cheapest service | |||||
|---|---|---|---|---|---|
| R 2 000 | 2.74% | R 41,99 | Rs 32 209,44with debit card to mobile money | +Rs 10 821,37 | |
| R 4 300This page | 2.75% | R 41,99 | Rs 70 044,65with debit card to mobile money | +Rs 11 403,42 | |
| R 4 500 | 2.73% | R 41,99 | Rs 73 334,67with debit card to mobile money | +Rs 11 459,17 | |
| R 5 000 | 2.67% | R 41,99 | Rs 81 561,55with debit card to mobile money | +Rs 11 602,58 | |
| R 50 000 | 0.27% | R 0,00 | Rs 842 448,48with bank transfer to bank deposit | +Rs 10 308,11 | |
| R 100 000 | 0.27% | R 0,00 | Rs 1 685 437,30with bank transfer to bank deposit | +Rs 20 541,03 | |
| R 130 000 | 0.27% | R 0,00 | Rs 2 190 787,80with bank transfer to bank deposit | +Rs 26 483,42 |
Mid-market rate: 1 ZAR = 16.9091 PKR
The cheapest way to send ZAR 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 WorldRemit), across 30 days of comparisons for 4,300 ZAR transfers to Pakistan.
Tue, 10 Nov 2026Mid-market rateRs 72 709,19 WorldRemit Rs 70 044,65WorldRemitRs 70 044,65MoneyGram AgentRs 65 612,77Western Union AgentRs 65 590,96
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.7639 | – | Rs 72 084,95 | |
| | 16.3806 | R 41,99 | Rs 69 748,67 | −Rs 2 336,28 |
| MoneyGram Agent | 15.7581 | R 172,00 | Rs 65 049,46 | −Rs 7 035,49 |
| | 15.5905 | R 129,00 | Rs 65 027,83 | −Rs 7 057,12 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.7938 | – | Rs 72 213,22 | |
| MoneyGram Agent Cheapest | 15.7861 | R 172,00 | Rs 65 165,21 | −Rs 7 048,01 |
| | 15.6182 | R 129,00 | Rs 65 143,55 | −Rs 7 069,67 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.7909 | – | Rs 72 201,00 | |
| | 16.4078 | R 41,99 | Rs 69 864,66 | −Rs 2 336,34 |
| MoneyGram Agent | 15.7835 | R 172,00 | Rs 65 154,19 | −Rs 7 046,81 |
| | 15.6156 | R 129,00 | Rs 65 132,53 | −Rs 7 068,47 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.7436 | – | Rs 71 997,58 | |
| MoneyGram Agent Cheapest | 15.7390 | R 172,00 | Rs 64 970,62 | −Rs 7 026,96 |
| | 15.5716 | R 129,00 | Rs 64 949,02 | −Rs 7 048,56 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.8082 | – | Rs 72 275,28 | |
| | 16.3812 | R 41,99 | Rs 69 751,36 | −Rs 2 523,92 |
| MoneyGram Agent | 15.7997 | R 172,00 | Rs 65 221,21 | −Rs 7 054,07 |
| | 15.6316 | R 129,00 | Rs 65 199,53 | −Rs 7 075,75 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.8086 | – | Rs 72 276,91 | |
| MoneyGram Agent Cheapest | 15.8001 | R 172,00 | Rs 65 222,68 | −Rs 7 054,23 |
| | 15.6320 | R 129,00 | Rs 65 201,00 | −Rs 7 075,91 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.8083 | – | Rs 72 275,88 | |
| | 16.3548 | R 41,99 | Rs 69 638,99 | −Rs 2 636,89 |
| MoneyGram Agent | 15.7998 | R 172,00 | Rs 65 221,76 | −Rs 7 054,12 |
| | 15.6318 | R 129,00 | Rs 65 200,07 | −Rs 7 075,81 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.8599 | – | Rs 72 497,69 | |
| MoneyGram Agent Cheapest | 15.8483 | R 172,00 | Rs 65 421,92 | −Rs 7 075,77 |
| | 15.6797 | R 129,00 | Rs 65 400,17 | −Rs 7 097,52 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.8780 | – | Rs 72 575,26 | |
| MoneyGram Agent Cheapest | 15.8653 | R 172,00 | Rs 65 491,91 | −Rs 7 083,35 |
| | 15.6965 | R 129,00 | Rs 65 470,14 | −Rs 7 105,12 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.8293 | – | Rs 72 365,97 | |
| | 16.4797 | R 41,99 | Rs 70 170,77 | −Rs 2 195,20 |
| MoneyGram Agent | 15.8195 | R 172,00 | Rs 65 303,05 | −Rs 7 062,92 |
| | 15.6512 | R 129,00 | Rs 65 281,34 | −Rs 7 084,63 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.8494 | – | Rs 72 452,29 | |
| | 16.4708 | R 41,99 | Rs 70 133,04 | −Rs 2 319,25 |
| MoneyGram Agent | 15.8384 | R 172,00 | Rs 65 380,95 | −Rs 7 071,34 |
| | 15.6699 | R 129,00 | Rs 65 359,21 | −Rs 7 093,08 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.7626 | – | Rs 72 079,15 | |
| | 16.3437 | R 41,99 | Rs 69 591,43 | −Rs 2 487,72 |
| MoneyGram Agent | 15.7568 | R 172,00 | Rs 65 044,22 | −Rs 7 034,93 |
| | 15.5892 | R 129,00 | Rs 65 022,60 | −Rs 7 056,55 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.6847 | – | Rs 71 744,13 | |
| | 16.2523 | R 41,99 | Rs 69 202,29 | −Rs 2 541,84 |
| MoneyGram Agent | 15.6836 | R 172,00 | Rs 64 741,91 | −Rs 7 002,22 |
| | 15.5168 | R 129,00 | Rs 64 720,38 | −Rs 7 023,75 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.6847 | – | Rs 71 744,13 | |
| | 16.2523 | R 41,99 | Rs 69 202,29 | −Rs 2 541,84 |
| MoneyGram Agent | 15.6836 | R 172,00 | Rs 64 741,91 | −Rs 7 002,22 |
| | 15.5168 | R 129,00 | Rs 64 720,38 | −Rs 7 023,75 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.6021 | – | Rs 71 388,90 | |
| MoneyGram Agent Cheapest | 15.6059 | R 172,00 | Rs 64 421,34 | −Rs 6 967,56 |
| | 15.4399 | R 129,00 | Rs 64 399,93 | −Rs 6 988,97 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.6534 | – | Rs 71 609,83 | |
| | 16.2049 | R 41,99 | Rs 69 000,58 | −Rs 2 609,25 |
| MoneyGram Agent | 15.6542 | R 172,00 | Rs 64 620,71 | −Rs 6 989,12 |
| | 15.4877 | R 129,00 | Rs 64 599,22 | −Rs 7 010,61 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.6362 | – | Rs 71 535,69 | |
| MoneyGram Agent Cheapest | 15.6380 | R 172,00 | Rs 64 553,80 | −Rs 6 981,89 |
| | 15.4717 | R 129,00 | Rs 64 532,34 | −Rs 7 003,35 |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.5955 | – | Rs 71 360,77 | |
| | 16.2337 | R 41,99 | Rs 69 123,38 | −Rs 2 237,39 |
| MoneyGram Agent | 15.5998 | R 172,00 | Rs 64 395,96 | −Rs 6 964,81 |
| | 15.4338 | R 129,00 | Rs 64 374,55 | −Rs 6 986,22 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.6389 | – | Rs 71 547,25 | |
| | 16.1915 | R 41,99 | Rs 68 943,61 | −Rs 2 603,64 |
| MoneyGram Agent | 15.6406 | R 172,00 | Rs 64 564,24 | −Rs 6 983,01 |
| | 15.4742 | R 129,00 | Rs 64 542,77 | −Rs 7 004,48 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.5257 | – | Rs 71 060,46 | |
| | 16.1240 | R 41,99 | Rs 68 655,94 | −Rs 2 404,52 |
| MoneyGram Agent | 15.5341 | R 172,00 | Rs 64 124,96 | −Rs 6 935,50 |
| | 15.3689 | R 129,00 | Rs 64 103,64 | −Rs 6 956,82 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.5257 | – | Rs 71 060,46 | |
| | 16.1240 | R 41,99 | Rs 68 655,94 | −Rs 2 404,52 |
| MoneyGram Agent | 15.5341 | R 172,00 | Rs 64 124,96 | −Rs 6 935,50 |
| | 15.3689 | R 129,00 | Rs 64 103,64 | −Rs 6 956,82 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.6273 | – | Rs 71 497,58 | |
| | 16.1919 | R 41,99 | Rs 68 945,40 | −Rs 2 552,18 |
| MoneyGram Agent | 15.6297 | R 172,00 | Rs 64 519,42 | −Rs 6 978,16 |
| | 15.4634 | R 129,00 | Rs 64 497,97 | −Rs 6 999,61 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.6384 | – | Rs 71 544,94 | |
| | 16.2460 | R 41,99 | Rs 69 175,50 | −Rs 2 369,44 |
| MoneyGram Agent | 15.6401 | R 172,00 | Rs 64 562,16 | −Rs 6 982,78 |
| | 15.4737 | R 129,00 | Rs 64 540,69 | −Rs 7 004,25 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.6178 | – | Rs 71 456,65 | |
| | 16.3348 | R 41,99 | Rs 69 553,95 | −Rs 1 902,70 |
| MoneyGram Agent | 15.6208 | R 172,00 | Rs 64 482,48 | −Rs 6 974,17 |
| | 15.4546 | R 129,00 | Rs 64 461,04 | −Rs 6 995,61 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.9093 | – | Rs 72 709,96 | |
| | 16.5304 | R 41,99 | Rs 70 386,65 | −Rs 2 323,31 |
| MoneyGram Agent | 15.8947 | R 172,00 | Rs 65 613,47 | −Rs 7 096,49 |
| | 15.7256 | R 129,00 | Rs 65 591,66 | −Rs 7 118,30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.7559 | – | Rs 72 050,24 | |
| | 16.3641 | R 41,99 | Rs 69 678,71 | −Rs 2 371,53 |
| MoneyGram Agent | 15.7505 | R 172,00 | Rs 65 018,13 | −Rs 7 032,11 |
| | 15.5830 | R 129,00 | Rs 64 996,52 | −Rs 7 053,72 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.7464 | – | Rs 72 009,55 | |
| | 16.2938 | R 41,99 | Rs 69 379,33 | −Rs 2 630,22 |
| MoneyGram Agent | 15.7416 | R 172,00 | Rs 64 981,42 | −Rs 7 028,13 |
| | 15.5742 | R 129,00 | Rs 64 959,82 | −Rs 7 049,73 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.7758 | – | Rs 72 135,99 | |
| | 16.2938 | R 41,99 | Rs 69 379,33 | −Rs 2 756,66 |
| MoneyGram Agent | 15.7693 | R 172,00 | Rs 65 095,52 | −Rs 7 040,47 |
| | 15.6015 | R 129,00 | Rs 65 073,88 | −Rs 7 062,11 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.8018 | – | Rs 72 247,61 | |
| | 16.4125 | R 41,99 | Rs 69 884,67 | −Rs 2 362,94 |
| MoneyGram Agent | 15.7937 | R 172,00 | Rs 65 196,24 | −Rs 7 051,37 |
| | 15.6256 | R 129,00 | Rs 65 174,57 | −Rs 7 073,04 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 16.9091 | – | Rs 72 709,19 | |
| | 16.4501 | R 41,99 | Rs 70 044,65 | −Rs 2 664,54 |
| MoneyGram Agent | 15.8946 | R 172,00 | Rs 65 612,77 | −Rs 7 096,42 |
| | 15.7255 | R 129,00 | Rs 65 590,96 | −Rs 7 118,23 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 16.9091 | – | Rs 72 709,19 | |
|---|---|---|---|---|
| | ||||
| MoneyGram Agent | ||||
| |
Each line shows what the recipient gets when you send R 4 300, after fees, as quoted by each company. The mid-market line shows what R 4 300 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 ZAR 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 South Africa.
Right now, WorldRemit pays 70,044.65 PKR on 4,300 ZAR, which is 2,664.54 PKR less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 70,386.65 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.
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 206 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.
Cheapest in 59% of them
Never the cheapest
Never the cheapest
Based on 49 comparisons across 7 amounts over the last 7 days.
Cheapest in 60% of them
Cheapest in 22% of them
Never the cheapest
Based on 206 comparisons across 7 amounts over the last 30 days.
Cheapest in 57% of them
Cheapest in 27% of them
Never the cheapest
Based on 344 comparisons across 7 amounts over the last 90 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 WorldRemit is the cheapest and gets you the most PKR, and it was also the cheapest in 60% of the 159 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Pakistan.
MoneyGram Agent (today's second cheapest) was the cheapest in only 22% of its comparisons, so it's rarely the cheapest option for transfers to Pakistan.
3 companies send money from South Africa to Pakistan.
Frequent transfers from South Africa
Apps and online services are best for recurring transfers to Pakistan.
WorldRemit is the cheapest option.
It will get you 70,044.65 PKR on a R4,300 transfer.
For fast transfers, WorldRemit is a good option, it will deliver PKR in minutes - 2 days.
In our comparisons over the past month, it was the cheapest online service on 23 of the 23 days it quoted.
Most companies will let you fund your transfer by EFT, and will ask for your FICA details.
Emigration and large transfers
Currency brokers are great for large transfers from South Africa to Pakistan.
They have no fees and add a markup on top of ZAR/PKR rate.
I suggest getting a few ZAR/PKR quotes from your bank and Regency FX and picking the best one.
Also, don’t forget about the R2 million limits on transfers from South Africa (more below).
For business payments abroad
With WorldRemit, paying by debit card and receiving through mobile money is the cheapest combination. Sending R4,300 gives your recipient 70,044.65 PKR.
You can fund the transfer with bank transfer and debit card.
To receive PKR in Pakistan, your recipient can use bank deposit, mobile money, and cash pickup.
They can collect cash in Pakistan
To collect PKR as cash, they will need to visit a participating MoneyGram Agent branch in Pakistan with valid ID and the transfer reference.
You pay R4,300.00
Rs70,045
Cheapest
You pay R4,300.00
Rs69,556
-Rs489
You pay R4,300.00
Rs68,997
-Rs1,047
You pay R4,300.00
Rs65,613
-Rs4,432
South African exchange control dictates how much you can move and which paperwork you need. The exchange-rate margin then decides whether a bank, an online money transfer company or a forex specialist is cheaper.
For a ZAR 4,300 transfer to Pakistan, the current best options are:
The cheapest option is WorldRemit, funded by debit card with mobile money for the payout. Your recipient gets 70,044.65 PKR, which is 6.33% more than the next best option.
The fastest option is WorldRemit, funded by debit card with mobile money for the payout. Your recipient gets 70,044.65 PKR in minutes - 2 days.
South African residents aged 18 or older can use the single discretionary allowance to transfer up to R2 million per calendar year for legal purposes abroad without a SARS tax-compliance PIN.
A further foreign capital allowance of up to R10 million is available with an Approval International Transfer PIN from SARS.
Amounts above the allowances need specific approval through an authorised dealer.
The allowances cover more than money transfers.
Foreign card spending and other qualifying use can reduce what remains, so check your year-to-date total before making payments.
The SARB Financial Surveillance guidance explains how the allowances can be used.
Every legal cross-border payment in rand passes through an authorised dealer and carries a balance-of-payments purpose code.
A bank, transfer company or forex specialist may handle the form, but you are still responsible for giving the right reason.
Keep any relevant documents on hand, such as the property sale agreement, emigration documents, tuition invoice, proof of savings, etc.
For an emigration transfer, a specialist service can be useful because the AIT paperwork matters as much as the rate.
For the 2026/27 tax year, a natural person can make up to R150,000 of donations each year before donations tax applies.
The donor generally pays 20% on taxable donations up to the first R30 million of cumulative taxable gifts.
Payments between spouses and reasonable maintenance payments can be exempt.
A large family transfer should be classified before sending, rather than treated as tax-free because the recipient lives abroad.
Search the company or its FSP number in the FSCA register.
Never move a transfer to crypto or a personal account to bypass exchange control.
Keep the quote, purpose-code confirmation and proof of payment until the recipient has the money.
Every rand that leaves South Africa goes through an authorised dealer, and every company here is FSCA-registered.
We track 3 of them on ZAR to Pakistan, comparing rates, fees and the pay-in and payout options in real time on live comparisons.
In the past 30 days alone, we analysed 206 comparisons across 7 amounts.
This page covers the cheapest and fastest options for ZAR/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.
Nothing appears without passing our review.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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