We compared 8 companies sending money from the United States to Pakistan. MoneyGram is the best and cheapest, while TapTap Send is the fastest.
Sending $7,000 with MoneyGram gets your recipient 1,940,132.6 PKR at 277.1618 PKR per USD.
| 8 of 8 providers Last updated on 26 September 2026 | |||
| Based on 7,000 USD transfer Best companies for USD/PKR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee $45.57 1 USD = 277.1130 PKR +0.03% vs mid-market | Recipient gets Rs 1,927,162.96 Within a week | |
Ways to receive money in Pakistan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $45.571 USD = 277.1130 PKR Rs 1,927,162.96You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 275.3060 PKR +0.68% vs mid-market | Recipient gets Rs 1,927,142.00 Minutes - 24 hours | |
Ways to receive money in Pakistan with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 275.3060 PKR Rs 1,927,142.00You pay$7,000.00 | |||
Run a live search Showing top United States to Pakistan deals for 7,000 USD. 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 USD 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 USD you're planning to spend in Pakistan. | |||
Run a live search These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal. | |||
| $0 fee on first online transfers  MoneyGram Pay via Bank transfer | Fee $0.00 1 USD = 277.1618 PKR +0.01% vs mid-market | Recipient gets Rs 1,940,132.60 Minutes - 24 hours | |
Ways to receive money in Pakistan with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 USD = 277.1618 PKR Rs 1,940,132.60You pay$7,000.00 Bank depositMinutes - 24 hoursAvailable via:All Banks, Free Send Free1 USD = 277.1618 PKR Rs 1,940,132.60You pay$7,000.00 Cash pickupMinutes - 24 hours $1.491 USD = 275.0881 PKR Rs 1,925,616.70You pay$7,001.49 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee $1.99 1 USD = 277.2050 PKR 0.00% vs mid-market | Recipient gets Rs 1,939,883.57 Minutes - 2 days | |
Ways to receive money in Pakistan with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days $1.991 USD = 277.2050 PKR Rs 1,939,883.57You pay$7,000.00 Cash pickupMinutes - 2 days $0.991 USD = 271.9366 PKR Rs 1,903,286.63You pay$7,000.00 Mobile moneyMinutes - 2 days $1.991 USD = 271.9366 PKR Rs 1,903,014.70You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee $0.00 1 USD = 277.0819 PKR +0.04% vs mid-market | Recipient gets Rs 1,939,573.30 Minutes - 24 hours | |
Ways to receive money in Pakistan with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets Free1 USD = 277.0819 PKR Rs 1,939,573.30You pay$7,000.00 Bank depositMinutes - 24 hoursAvailable via:All Banks Free1 USD = 276.6912 PKR Rs 1,936,838.40You pay$7,000.00 Cash pickupMinutes - 24 hours $75.991 USD = 273.0623 PKR Rs 1,911,436.10You pay$7,075.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $210.00 1 USD = 277.0819 PKR +0.04% vs mid-market | Recipient gets Rs 1,939,573.30 Minutes - 24 hours | |
Ways to receive money in Pakistan with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Mobile walletMinutes - 24 hoursAvailable via:Select Wallets $210.001 USD = 277.0819 PKR Rs 1,939,573.30You pay$7,210.00 Bank depositMinutes - 24 hoursAvailable via:All Banks $177.991 USD = 276.6912 PKR Rs 1,936,838.40You pay$7,177.99 Cash pickupMinutes - 24 hours $179.991 USD = 273.0623 PKR Rs 1,911,436.10You pay$7,179.99 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 276.4488 PKR +0.27% vs mid-market | Recipient gets Rs 1,935,141.81 Minutes - 24 hours | |
Ways to receive money in Pakistan with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 276.4488 PKR Rs 1,935,141.81You pay$7,000.00 | |||
 OFX Pay via Bank transfer | Fee $0.00 1 USD = 275.8113 PKR +0.50% vs mid-market | Recipient gets Rs 1,930,678.93 Minutes - 24 hours | |
Ways to receive money in Pakistan with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 275.8113 PKR Rs 1,930,678.93You pay$7,000.00 | |||
| Wise Pay via Bank transfer | Fee $45.57 1 USD = 277.1130 PKR +0.03% vs mid-market | Recipient gets Rs 1,927,162.96 Within a week | |
Ways to receive money in Pakistan with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer $45.571 USD = 277.1130 PKR Rs 1,927,162.96You pay$7,000.00 | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 275.3060 PKR +0.68% vs mid-market | Recipient gets Rs 1,927,142.00 Minutes - 24 hours | |
Ways to receive money in Pakistan with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 275.3060 PKR Rs 1,927,142.00You pay$7,000.00 | |||
| Xe Pay via Credit card | Fee $0.00 1 USD = 275.3060 PKR +0.68% vs mid-market | Recipient gets Rs 1,927,142.00 Minutes - 24 hours | |
Ways to receive money in Pakistan with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 275.3060 PKR Rs 1,927,142.00You pay$7,000.00 | |||
| Xe Pay via Debit card | Fee $0.00 1 USD = 275.3060 PKR +0.68% vs mid-market | Recipient gets Rs 1,927,142.00 Minutes - 24 hours | |
Ways to receive money in Pakistan with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 275.3060 PKR Rs 1,927,142.00You pay$7,000.00 | |||
 TapTap Send Pay via Debit card | Fee $0.00 1 USD = 275.0000 PKR +0.80% vs mid-market | Recipient gets Rs 1,925,000.00 Minutes | |
Ways to receive money in Pakistan with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 USD = 275.0000 PKR Rs 1,925,000.00You pay$7,000.00 Cash pickupMinutesAvailable via:Bank Al-Habib Cash Pickup, Faysal Bank Cash Pickup, UBL Cash Pickup Free1 USD = 275.0000 PKR Rs 1,925,000.00You pay$7,000.00 Mobile moneyMinutesAvailable via:Easypaisa, JazzCash Free1 USD = 275.0000 PKR Rs 1,925,000.00You pay$7,000.00 Mobile walletMinutesAvailable via:SadaPay Free1 USD = 275.0000 PKR Rs 1,925,000.00You pay$7,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 274.1113 PKR +1.12% vs mid-market | Recipient gets Rs 1,918,779.10 Minutes - 24 hours | |
Ways to receive money in Pakistan with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 274.1113 PKR Rs 1,918,779.10You pay$7,060.79 | |||
 Chase Pay via Bank transfer | Fee $0.00 1 USD = 267.4063 PKR +3.60% vs mid-market | Recipient gets Rs 1,871,844.37 | |
Ways to receive money in Pakistan with Chase when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 267.4063 PKR Rs 1,871,844.37You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 277.1973 PKR Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then MoneyGram is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with MoneyGram.
For large transfers using a broker like Regency FX is the best option.
If your recipient needs cash, MoneyGram is the cheapest.
How much you send will affect the best option for you right now.
You have 4 ways to pay for your transfer to Pakistan, including bank transfer, debit card, credit card, and cash deposit.
Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a day or two).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but its a bit more expensive.
I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).
First time round you'll need to confirm who you are.
An SSN isn't required, an ITIN or a foreign passport works with most companies here.
There are 8 companies available for sending money from the US to Pakistan, across app, online, broker, in person, multi-currency account, global account, and bank, and more.
For regular transfers home
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
MoneyGram charges $0 on a $7,000 transfer with 0.01% markup, saves your recipient's details for next time, and PKR arrives in minutes - 24 hours.
Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.
Sending without a US bank account
Paying in cash at an agent can work without a US bank account.
The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.
Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 1,940,132.6 PKR in minutes - 24 hours.
However, transfers funded with cash or a money order carry a 1% federal tax from January 2021. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Pakistan.
Of all online companies listed here, MoneyGram gets you the most PKR per USD.
On a $7,000 transfer, you will get 1,940,132.6 PKR after a $0 fee and 0.01% markup.
But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.
For transfers over $10,000
For large transfers to Pakistan (e.g. a property purchase, tuition, or moving to Pakistan), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/PKR that gets lower the more you send.
It's also good to check Wise since you get a bulk discount on transfers over $25,000.
Only if you have to
Wiring money abroad from your bank is the most expensive option.
On a $7,000 transfer, a bank like Chase gets your recipient 1,871,844.37 PKR, against 1,940,132.6 PKR with MoneyGram (the overall cheapest option).
The wire "feels" official, but regulated money transfer companies are just as safe with their own protection and rules.
Business payments from the US
Global accounts are for US businesses paying people abroad.
Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.
Holding & spending currencies
A multi-currency account like Wise is the best for holding and receiving PKR.
This is useful for traveling to Pakistan, building up PKR balance, or receiving payments in PKR.
Wise converts $7,000 at 0.03% markup plus small fee and holds the PKR until you spend it.
With MoneyGram, paying by bank transfer and receiving through mobile wallet is the cheapest combination. Sending $7,000 gives your recipient 1,940,132.6 PKR.
Deposit USD by bank transfer, debit card, credit card, and cash deposit.
The simplest way is to pay from your US checking account
Pay by bank transfer using your routing and account numbers.
An ACH payment is usually cheaper than a card, but the it may take some time for it to clear before a money transfer company can send the money to Pakistan.
You can deposit cash
You'll need to visit nearest MoneyGram branch and had over $7,000.
MoneyGram is the cheapest option and will get you 1,940,132.6 PKR on $7,000 transfer after fees.
Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.
Zelle, Venmo and Cash App only support domestic transfers, so they cannot send money to Pakistan.
Your recipient in Pakistan can collect PKR through bank deposit, cash pickup, mobile wallet, and mobile money.
They can collect cash in Pakistan
Your recipient can collect PKR from a participating MoneyGram location in Pakistan.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
You pay $7,000.00
₨1,940,133
Cheapest
You pay $7,000.00
₨1,940,133
₨0
You pay $7,000.00
₨1,939,884
-₨249
You pay $7,000.00
₨1,939,573
-₨559
You pay $7,210.00
₨1,939,573
-₨559
You pay $7,177.99
₨1,936,838
-₨3,294
You pay $7,001.49
₨1,925,617
-₨14,516
You pay $7,000.00
₨1,925,000
-₨15,133
You pay $7,000.00
₨1,925,000
-₨15,133
You pay $7,060.79
₨1,918,779
-₨21,354
You pay $7,179.99
₨1,911,436
-₨28,697
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
Cheapest way to send money to Pakistan
The cheapest option is MoneyGram, funded by bank transfer with mobile wallet for the payout. Your recipient gets 1,940,132.6 PKR, which is 0.01% more than the next best option.
Fastest way to send money to Pakistan
The fastest option is TapTap Send. Pay by debit card and choose bank deposit for the payout. Your recipient gets 1,925,000 PKR, with the money arriving in minutos.
Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.
Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.
The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.
There is no federal cap on how much of your own money you can send electronically abroad.
Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.
Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.
Do not split cash transactions to avoid a report.
The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.
You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.
You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.
Contact the company first and keep the receipt.
For transfers over $10,000, WorldRemit is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Pakistan.
While WorldRemit may not always be the cheapest or fastest way to send PKR, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
The rate changes how much PKR your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 277.197262 PKR
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Pakistan and United States.
We work with leading money transfer companies to provide real time fees and exchange rates.
We also conduct detailed company reviews, combined with in-depth analysis, we can offer the best deals on the market - every time you want to transfer money from United States to Pakistan.
For a deeper understanding of our commitment to integrity and transparency, check out these articles:
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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