Send money from Saudi Arabia to Pakistan
A shortlist of providers verified to serve this route — including free transfers under the government scheme — and exactly how the money reaches Pakistan.
SAR
PKROur comparison engine doesn't price Saudi-origin transfers yet. Instead, here's a shortlist of providers verified to move money on this corridor — confirm their live rate and fee on their own site before you send.
Indicative options · not a live quote
Sending money from Saudi Arabia to Pakistan
Our live price comparison can't quote Saudi-origin transfers yet, but this is one of the busiest money routes on earth — Saudi Arabia is the single biggest source of money sent home to Pakistan, worth billions of dollars a year from around 2.6 million Pakistani workers in the Kingdom. The providers below are verified to operate this corridor, and many offer fee-free transfers under Pakistan's government remittance scheme. Rates and fees are set by each provider and must be confirmed on their own site before you send.
| Provider | Payout method | Speed | |
|---|---|---|---|
 | Bank deposit, mobile wallet or cash pickup | Minutes to same day | Visit site |
 | Bank deposit or cash pickup | Instant to a few hours (bank) | Visit site |
 | Easypaisa / JazzCash wallet or bank deposit | Minutes to about an hour | Visit site |
 | Bank deposit to a Pakistani account | Typically within an hour | Visit site |
 | Bank deposit, mobile wallet or cash pickup | Minutes to same day | Visit site |
 | Bank deposit or cash pickup | Often within about an hour | Visit site |
Most money sent from Saudi Arabia to Pakistan lands as a direct deposit into the recipient's Pakistani bank account, or straight to a JazzCash or Easypaisa mobile wallet for instant access. Thanks to Pakistan's instant-payment system, Raast, a bank transfer can arrive in seconds using just the recipient's mobile number. Better still, under the government's remittance scheme many transfers of a modest size upward are completely fee-free — but the exchange-rate margin still varies, so always compare the rupees that actually arrive.
Why Saudi Arabia to Pakistan 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 those providers currently quote transfers that start in Saudi Arabia, so the route comes back empty even though it is one of the busiest remittance channels in the world.
Until we can pull live Saudi rates, this page lists providers verified to serve the corridor rather than a live price table. Treat the page as a shortlist, not a quote — and always confirm the rate and fee on the provider's own site before you commit.
How the money reaches Pakistan
You have more choice on this route than on most. Money can go straight to a Pakistani bank account, to a JazzCash or Easypaisa mobile wallet, or be collected as cash. Pakistan's instant-payment system, Raast, means a bank transfer can arrive in seconds using only the recipient's registered mobile number — no need to share a long account number.
Where a bank has to issue a pay order, the State Bank of Pakistan requires it to be dispatched within 24 hours, so even the slower routes are quick.
What sending money to Pakistan really costs
This is one of the better-value corridors in the world, largely because Pakistan's government actively subsidises formal transfers. Here's where the cost — and the savings — come from.
Fee-free under the PRI scheme
Under Pakistan's remittance incentive scheme, many home-transfers above a modest threshold carry no fee at all — the sender pays nothing and the recipient gets the full amount. Providers like Enjaz and other partnered channels advertise free transfers on this basis.
The exchange-rate margin
With the fee often gone, the exchange-rate margin is where the real cost sits — usually around 1 to 2 percent above the mid-market rate. It varies by provider, so it's the number worth comparing.
Watch the credit-card trap
Funding with a credit card can be treated by your card issuer as a cash advance, adding a one-off fee and interest from day one — which can wipe out the saving from a fee-free transfer. Pay from a bank account or debit card instead.
Tax and rules on each side
Sending from Saudi Arabia
Saudi Arabia charges no personal income tax and no tax on the amount you send abroad as family support or a gift. Currency controls are minimal — you can send freely through a licensed provider with a valid Iqama or national ID. Providers must verify your identity and, for large transfers, may ask about the source of funds.
Receiving in Pakistan
Pakistan does not tax family remittances received through official banking channels — the recipient gets the full amount, which is a deliberate incentive to use formal routes. Always use a licensed provider: informal "hawala/hundi" networks are illegal in Pakistan and carry no protection. Non-resident Pakistanis can also open a Roshan Digital Account online to receive and invest funds.
Funding your transfer without overpaying
Paying from a Saudi bank account or a mada debit card is usually the cheapest way to fund a transfer. Funding with a credit card is often treated by the card issuer as a cash advance, which can trigger a one-off fee and interest from day one with no grace period — quietly undoing the benefit of a fee-free transfer. Check how your card treats the payment before you use it, and have your Iqama to hand for the identity check.
Scams to watch on this route
Both senders in the Kingdom and families back home are targeted by fraud. These few rules are worth passing on.
Fake bank / SBP messages
Rule: the State Bank of Pakistan has warned about fake texts and calls claiming a blocked card, a prize or an inheritance to trick people into sharing an OTP or password. No genuine bank ever asks for your PIN, password or one-time code.
Visa and job-offer fraud
Rule: be wary of anyone in Pakistan charging large upfront fees for a "guaranteed" job or visa in Saudi Arabia. Verify any offer through official recruitment channels before paying a rupee.
Family "emergency" requests
Rule: an urgent money request that appears to come from a relative may be an impersonator. Confirm directly on a number you already know before sending anything.
Confirm before you send
Rule: check the recipient's IBAN or wallet number against details they sent you in writing, and use a licensed provider rather than a stranger or an informal money changer offering a "better rate".
How most people send money from Saudi Arabia to Pakistan
For most people sending money from Saudi Arabia to Pakistan, the simplest route is a verified provider paying into the recipient's bank account (often fee-free under the government scheme) or straight to their JazzCash / Easypaisa wallet. Because we can't show a live quote here yet, treat this page as a vetted shortlist — then, since the fee is often zero, judge each option mainly by the rupees that actually arrive after the exchange-rate margin, and confirm the recipient's details before you send.
Saudi Arabia to Pakistan 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 Saudi Arabia, so instead of an empty table we list providers verified to serve the corridor. Confirm the live rate and fee on each provider's own site before you send.
Often, yes. Under Pakistan's government remittance scheme (PRI), many home-transfers above a modest threshold carry no transfer fee — the sender pays nothing and the recipient gets the full amount. It's a deliberate incentive to use formal channels. You should still compare the exchange rate, since the provider's rate margin is where any remaining cost sits.
For a bank transfer, the recipient's IBAN (a 24-character code starting with PK). For an instant Raast transfer or a JazzCash / Easypaisa wallet, just their registered mobile number. For cash pickup, their name and a reference number. You'll also need your own valid ID — a Saudi Iqama or national ID — to send.
Often seconds. Transfers over Pakistan's Raast system and to JazzCash or Easypaisa wallets are usually instant. Bank deposits are typically same day; where a bank has to issue a pay order, the State Bank of Pakistan requires it within 24 hours. Cash pickup is generally available within minutes. The provider shows an estimated time before you confirm.
Yes. Several providers on this route pay straight into a JazzCash or Easypaisa mobile wallet, usually instantly — including STC Pay, Western Union and MoneyGram. You just need the recipient's mobile number linked to the wallet. It's a popular option for recipients without easy access to a bank branch.
No. Family remittances received through official banking channels are not taxed in Pakistan — the recipient keeps the full amount, which is a key incentive to use formal routes. Saudi Arabia also charges no tax on individuals sending money abroad. Only income earned from work or business is taxable, not family support.
Yes. Informal "hawala" or "hundi" networks are illegal in Pakistan and offer no protection if something goes wrong. Since the government scheme makes formal transfers fee-free on many amounts, there's little reason to risk it — every provider listed here is licensed and regulated. Always confirm the recipient's details in writing before you send.
Our sources & how we keep this current
Last reviewed: 1 July 2026. We re-check the providers and rules on this corridor regularly, and will switch this page to a live price table as soon as our engine can quote Saudi-origin transfers.
Affiliate disclosure: the "Visit site" links to some providers are affiliate links. Currency Expert may earn a commission, at no cost to you, if you open an account through them. It never changes which providers we list or the order they appear in.