Send money from Pakistan to Nigeria
A shortlist of operators verified to serve this route, and exactly how the money now reaches Nigeria.
PKR
NGNOur comparison engine doesn't price Pakistan-origin transfers yet. Pakistan also controls outward transfers, and Nigeria now pays remittances out in naira. Confirm each operator's live rate, fee and limits before you send.
Indicative options · not a live quote
Sending money from Pakistan to Nigeria
Our live price comparison can't quote Pakistan-origin transfers yet. Pakistan controls outward transfers under State Bank of Pakistan rules, so you send in person at an authorised agent with your CNIC or passport, and only personal transfers are allowed. On the Nigeria side, a Central Bank of Nigeria rule now requires remittances to be paid out in naira. The two verified operators are Western Union and MoneyGram, each paying to a naira bank account, or in cash for a smaller amount. Rates, fees and limits are set by the operator and must be confirmed before you send.
| Provider | Payout method | Speed | |
|---|---|---|---|
 | Naira bank deposit in Nigeria, or cash for a smaller amount | Minutes for cash; bank deposit can take a little longer | Visit site |
 | Naira bank deposit in Nigeria, or cash for a smaller amount | Minutes for cash; bank deposit 1 to 3 business days | Visit site |
Money sent from Pakistan to Nigeria now arrives in naira. Since a Central Bank of Nigeria rule took effect in May 2026, money-transfer operators pay remittances out in naira rather than US dollars, at the official rate. Both verified operators require you to send in person at an authorised agent in Pakistan, with your CNIC or passport, because State Bank of Pakistan rules only allow personal outward transfers. A larger amount is credited to the recipient's bank account, while a smaller one can be paid as cash. The upfront fee is only part of the cost. What really decides how many naira arrive is the margin added to the exchange rate, so compare the amount that actually reaches the recipient, not just the fee.
Why Pakistan to Nigeria shows no live prices yet
Currency Expert's live comparison engine prices transfers that start in the UK and a handful of other major sending countries, where the providers we connect to operate. None of them currently quote transfers that start in Pakistan, so the route comes back empty even though money genuinely moves on it.
Pakistan also controls outward transfers, so you send in person at an authorised agent with your CNIC or passport, and only personal transfers are allowed. Until we can pull live Pakistan rates, this page lists the operators verified to serve the corridor rather than a live price table. Treat it as a shortlist, not a quote, and confirm the rate, fee and limits at the branch before you commit.
How the money reaches Nigeria
Money into Nigeria now arrives in naira. Under the Central Bank of Nigeria rule that took effect in May 2026, money-transfer operators must pay remittances out in naira at the official rate, rather than as US-dollar cash or into a domiciliary account. How it lands depends on the size of the transfer.
For a bank deposit, you'll need the recipient's account details. For cash, they collect with a government photo ID and the reference number. You send from an authorised agent in Pakistan, so you complete the transfer in person with your own CNIC or passport.
What sending money to Nigeria really costs
The headline fee is only part of the cost. On most transfers the bigger number is hidden inside the exchange rate, so it helps to know where each slice goes before you send.
The exchange-rate margin
Operators usually add a margin to the mid-market rate between the rupee and the naira. On a larger transfer this margin can outweigh the upfront fee, so compare the naira that actually arrive across both operators.
Nigeria's naira-payout rule
Since May 2026 the Central Bank of Nigeria has required money-transfer operators to pay remittances out in naira at the official rate, rather than in US dollars. The rate applied to the payout matters as much as the fee, so check what the recipient will actually receive.
Pakistan's outward controls
Outward transfers are regulated by the State Bank of Pakistan, sent in person with ID, for personal purposes, within daily and annual limits. Rates can differ between channels, so it is worth checking the rate you are actually offered before you send.
Rules on each side
Sending from Pakistan
Outward transfers are controlled by the State Bank of Pakistan. You send in person at an authorised agent with your CNIC or passport, and only personal transfers are allowed, within set limits. Western Union, for example, caps sending at about US$3,000 per person a day, and documentation applies for larger amounts or specific purposes such as education or medical treatment. Use a regulated operator rather than an informal channel, and confirm the current limits before you send.
Receiving in Nigeria
Under a Central Bank of Nigeria rule effective from May 2026, money-transfer operators pay remittances out in naira at the official rate, through authorised dealer banks. A transfer above about US$200 is credited to the recipient's bank account, and a smaller one can be paid as naira cash with valid ID. Genuine personal and family remittances are not treated as taxable income.
Funding your transfer without overpaying
Because you send from an authorised agent in Pakistan, you'll usually fund the transfer with cash at the counter. If a branch offers to take a card, check first how your bank treats it. Some issuers process a money-transfer payment as a cash advance, which can add a one-off fee and interest from day one, quietly making a cheap-looking transfer expensive.
Scams to watch on this route
The most common traps target the recipient in Nigeria. These few rules are worth passing on to whoever you're sending to.
The fake "release fee" message
Rule: be wary of a message claiming a transfer is "stuck" and needs a clearance, customs or tax fee to release it. Legitimate remittances on this route don't work that way, so never pay to unlock money.
Fake KYC or bank calls
Rule: nobody from the operator or a bank needs a PIN, OTP or full card number to "complete" or "verify" a payout. Never share a one-time code, and deal only through the operator's own channels.
Wrong account details
Rule: confirm the recipient's account number from something they sent in writing before you send, since a bank credit to the wrong account is hard to reverse.
Confirm before you send
Rule: use a verified operator rather than a stranger offering a better rate off-platform, and keep your reference number safe until the money is collected.
How most people send money from Pakistan to Nigeria
For most people, the simplest route is Western Union or MoneyGram paying out to a naira bank account, sent in person at an authorised agent in Pakistan with a CNIC or passport. A smaller amount can be paid as cash. Because we can't show a live quote here yet, treat this page as a vetted shortlist, then judge each option by the naira that actually arrive after the rate margin, and confirm the recipient's details before you send.
Pakistan to Nigeria transfers: frequently asked questions
Our live comparison engine prices transfers that start in the UK and a few other major sending countries. It doesn't yet quote transfers that start in Pakistan, so instead of an empty table we list the operators verified to serve the corridor. Confirm the live rate, fee and limits with each one before you send.
Naira. Since a Central Bank of Nigeria rule took effect in May 2026, money-transfer operators pay remittances out in naira at the official rate, rather than in US dollars or into a domiciliary account. A transfer above about US$200 goes to the recipient's bank account, and a smaller amount can be paid as naira cash.
Yes, for personal purposes. State Bank of Pakistan rules require you to send in person at an authorised agent with your CNIC or passport, and only personal transfers are allowed. Operators cap the daily amount, for example Western Union up to about US$3,000 per person a day, and documentation applies for larger amounts or specific purposes like education or medical treatment.
For a bank deposit, the recipient's full name and account details. For a smaller cash payout, their full name as it appears on their ID plus the reference number, collected with a photo ID. You'll also need your own CNIC or passport to send from Pakistan.
A smaller cash payout is usually available within minutes. A bank deposit takes longer, typically same day to a couple of business days. The agent will give an estimated delivery time before you confirm.
Paying with cash at the agent counter avoids card charges. If a branch takes a card, check whether your bank treats it as a cash advance, which can add a fee and interest from day one. And always compare the exchange-rate margin, not just the counter fee, since the margin is where most of the cost hides.
It's served, but by a short list. Pakistan's controls on outward transfers mean you send in person at an authorised agent, chiefly through Western Union or MoneyGram, rather than an app. Nigeria now receives the money in naira, to a bank account for larger amounts or as cash for smaller ones.
Our sources & how we keep this current
Last reviewed: 15 July 2026. We re-check the operators and rules on this corridor regularly. Nigeria's remittance rules changed in 2026, so always confirm the current payout terms with the operator before you send.
Affiliate disclosure: the "Visit site" link to some providers is an affiliate link. Currency Expert may earn a commission, at no cost to you, if you open an account through it. It never changes which providers we list or the order they appear in.