Send money from the UAE to Pakistan
A shortlist of providers verified to serve this route — Raast, JazzCash, Easypaisa, bank deposit and cash pickup — and exactly how the rupees reach Pakistan.
AED
PKROur comparison engine doesn't price UAE-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 the UAE to Pakistan
Our live price comparison can't quote UAE-origin transfers yet, but money genuinely moves on this route every day — around 1.8 million Pakistanis live in the UAE, the second-largest community in the country, and the UAE is one of Pakistan's top two sources of remittances, worth about US$5.5 billion a year. The providers below are verified to operate this corridor, and several pay straight to a bank account through Raast or into a JazzCash or Easypaisa wallet. Rates and fees are set by each provider and must be confirmed on their own site before you send.
| Provider | Payout method | Speed | |
|---|---|---|---|
 | Raast, JazzCash/Easypaisa, bank or cash | Minutes (Raast/wallet) to same day | Visit site |
 | Bank/Raast, wallet or cash | Minutes to same day | Visit site |
 | Bank, wallet or cash pickup | Minutes (cash/wallet) to same day | Visit site |
 | Bank, wallet or cash pickup | Minutes to same day | Visit site |
 | Bank deposit or cash pickup | Minutes to same day | Visit site |
Most money sent from the UAE to Pakistan lands straight in a Pakistani bank account — often within minutes through Raast, the central bank's instant system, where the recipient's mobile number can double as their account alias. Transfers also go straight into a JazzCash or Easypaisa wallet, or can be collected as cash at bank and exchange counters. Pakistan uses IBANs (they start PK), so a bank deposit just needs the recipient's name and IBAN. The headline fee is only part of the picture — what really decides the cost is the margin added to the exchange rate, so always compare the rupees that actually arrive, not just the upfront fee.
Why UAE 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 the UAE, so the route comes back empty even though real services move billions of dollars on it every year.
Until we can pull live UAE 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 plenty of choice on this route. The fastest bank option is Raast, the State Bank of Pakistan's instant network — the recipient's mobile number can act as their Raast ID, so you may not even need their full account number. A standard bank deposit uses the recipient's IBAN (Pakistani IBANs start with PK). Money can also go straight into a JazzCash or Easypaisa wallet, or be collected as cash at partner bank and exchange counters.
Raast credits and wallet payouts are usually the fastest, landing within minutes; a traditional SWIFT bank transfer can take one to three business days depending on the receiving bank.
What sending money to Pakistan really costs
The headline fee is only part of the cost. On any transfer, the bigger number is usually hidden inside the exchange rate — so it's worth knowing where each slice goes before you send.
The exchange-rate margin
The gap between the real mid-market rate and the rate you're offered. On the dirham-to-rupee route this is often low — around half a percent to one percent with the sharper services — but some providers charge more. Because the dirham is pegged to the US dollar, the rupee rate mostly tracks the dollar.
The PRI free-transfer scheme
Pakistan's government subsidises the cost of remittances sent through formal channels (the Pakistan Remittance Initiative), so many providers charge zero or very low sender fees on qualifying transfers. The terms have been revised recently, so check the current fee on the provider's own site.
VAT on the fee
In the UAE, the 5 percent VAT applies only to a fixed transfer fee, not to the exchange-rate margin or the money you send. It's a few fils on the flat fee, so it barely moves the total.
Tax and rules on each side
Sending from the UAE
The UAE charges no personal income tax and has no exchange controls, so you can send money abroad freely as family support or a gift. You'll need a valid Emirates ID to remit, and providers run standard identity checks. The 5 percent VAT applies only to a fixed transfer fee, never to the amount you send.
Receiving in Pakistan
Foreign remittances received from family through normal banking channels are exempt from income tax in Pakistan — and money that arrives this way counts as a clean, documented inflow, which protects the recipient from source-of-funds questions. Informal hawala or hundi routes lose that protection and are illegal, so always use a licensed provider.
Funding your transfer without overpaying
Paying from a UAE bank account or a 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 making a cheap-looking transfer expensive. Check how your card treats the payment before you use it, and have your Emirates ID to hand for the identity check.
Scams to watch on this route
Most traps target the recipient with a fake message or a fake windfall. These few rules are worth passing on to whoever you're sending to.
The wallet "verification" scam
Rule: to receive money into JazzCash or Easypaisa you never share your wallet PIN or a one-time code. Anyone calling or texting "from JazzCash" or "from the bank" asking for your PIN or OTP is a fraudster — never share it.
Fake prize / benefit texts
Rule: never pay a "fee" or "tax" to release a prize, benefit or windfall you didn't apply for. Genuine money never requires you to pay first to receive it.
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 name, IBAN or wallet number against details they sent you in writing, and use a licensed provider rather than a stranger offering a "better rate" off-platform.
How most people send money from the UAE to Pakistan
For most people sending money from the UAE to Pakistan, the simplest route is a verified provider paying into the recipient's bank account through Raast, or into their JazzCash or Easypaisa wallet — fast, familiar and easy to collect. Because we can't show a live quote here yet, treat this page as a vetted shortlist — then judge each option by the rupees that actually arrive after the rate margin, and confirm the recipient's IBAN or wallet number before you send.
UAE 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 the UAE, 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.
Yes. Several providers on this route pay straight to a bank account through Raast — where the recipient's mobile number can act as their Raast ID — or into a JazzCash or Easypaisa mobile wallet, usually within minutes. For a wallet you just need the recipient's registered phone number.
For a bank deposit, the recipient's full name and their IBAN (Pakistani IBANs start with PK), or their Raast ID. For a wallet, their registered JazzCash or Easypaisa phone number. For cash pickup, their full name as on their CNIC plus a reference number. You'll also need your own valid Emirates ID to send.
Raast bank credits and mobile-wallet payouts are usually available within minutes, and cash pickup is available within minutes too. A traditional SWIFT bank transfer can take from a few hours up to one to three business days, depending on the receiving bank. The provider will show an estimated delivery time before you confirm.
Often, yes, or close to it. Pakistan's government subsidises remittances sent through formal channels under the Pakistan Remittance Initiative, so many providers charge zero or very low sender fees on qualifying transfers. The scheme's terms have been revised recently, so always check the current fee and any minimum on the provider's own site — and remember the exchange-rate margin still applies.
No. Foreign remittances received from family through normal banking channels are exempt from income tax in Pakistan, and they count as a clean, documented inflow that protects the recipient from source-of-funds questions. The UAE also charges no tax on the amount you send abroad. Only use licensed channels — informal hawala routes are illegal and lose that protection.
It's one of the first names people think of, and it doesn't work in this direction. You can't pay for a Wise transfer with dirhams.
Wise's own currency list is split in two. AED sits in the column headed "you can only send money to these currencies", not in the list of currencies you can send from. Its UAE links point at the UK service, because there is no UAE sending flow behind them.
So Wise isn't an option for money leaving the UAE. It works the other way round: someone abroad, paying in a currency Wise does send from, can use it to send money to a UAE account.
Paying from a UAE bank account or a debit card is usually cheapest. Avoid funding with a credit card where you can — issuers often treat it as a cash advance, adding a one-off fee and interest from day one. And always compare the exchange-rate margin, not just the upfront fee, since the margin is where most of the cost hides.
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 UAE-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.