ACE Money Transfer
ACE Money Transfer
13 Oct 2026
If you work abroad and regularly send money to your loved ones in Pakistan, the Sohni Dharti Remittance Program may offer benefits to eligible users, subject to the programme’s current terms and conditions. This guide explains how the programme works, how to earn and redeem points, and how ACE Money Transfer can be used for eligible international transfers, subject to service availability and programme terms.
The Sohni Dharti Remittance Program (SDRP) is a points-based loyalty programme launched in November 2021 by the Government of Pakistan in collaboration with the State Bank of Pakistan. Its government involvement does not, by itself, imply a guarantee of financial products or protection against all risks. SDRP is a point based loyalty initiative designed specifically for overseas Pakistanis and non resident Pakistanis who send remittances through formal remittance channels such as banking channels or exchange companies.
Eligible remittances may earn points under the Sohni Dharti Remittance Program, subject to current criteria. Regulations may change. Please verify current requirements with an authoritative source. These loyalty points accumulate over time and can be redeemed for free of cost services at participating public sector entities, including passport renewal, NADRA fees, and more. The program aims to promote financial transparency and strengthen Pakistan's economy by channelling remittance flows away from informal methods like hundi or hawala.
Eligible remittances may earn points under the Sohni Dharti Remittance Program, subject to current criteria. SDRP is in its concluding phase under SBP directive EPD/FCA&RD/2026/1176854. Regulations may change. Please verify current requirements with an authoritative source. Point accumulation for new rewards was discontinued after June 30, 2026, but accumulated points can be redeemed until June 30, 2027, for previously earned points.
Here is how the point based loyalty scheme operates. Here’s how the points-based loyalty scheme works and how it compares with other remittance incentive programmes.
The SDRP awards remitters reward points on every remittance sent through participating banks, money transfer operators, and licensed exchange companies. Users earn points based on the PKR equivalent of eligible remittances, according to the programme’s tier system for each fiscal year (1 July to 30 June). Exchange rates fluctuate and the rate you receive may differ from any rates quoted. Always check the live rate at acemoneytransfer.com before sending. The program features four rewarding tiers, each with a progressively higher awarding ratio:
| Tier | Category Annual Remittance Amount | Reward Points Earning Rate |
|---|---|---|
| Green | Up to USD 10,000 | 1.00% |
| Gold | USD 10,001 – 30,000 | 1.25% |
| Platinum | USD 30,001 – 50,000 | 1.50% |
| Diamond | More than USD 50,000 | 1.75% |
The Green tier previously awarded points equal to 1% of eligible remittances up to USD 10,000 per fiscal year. No new SDRP points have been awarded since 1 July 2026, following the programme’s discontinuation. Source: SBP, 22 September 2023; discontinuation report, 3 July 2026. As the category annual remittance amount grows, the tier criteria updates automatically, unlocking more reward points on every subsequent transaction.
The Sohni Dharti app was available for Android and iOS, allowing users to view their virtual card, track eligible remittances, and check their tier status, subject to programme availability. The app updates automatically as partner banks report eligible transactions. A "Self-Award" feature also lets remitters claim points. If a transaction is not credited automatically, refer to the programme’s current official guidance for reporting procedures and eligibility. Roshan Digital Account holders’ eligibility depends on the applicable programme rules and the type of funds received.
This section covers how overseas Pakistanis can earn reward points based on every sohni dharti remittance and then redeem points at multiple public service entities.
Remitters earn points based on remittance percentage applied to the PKR equivalent amount of each transfer. The programme’s point conversion and redemption values, where applicable, are subject to its official terms. Check current programme guidance before using examples to estimate rewards. Exchange rates fluctuate and the rate you receive may differ from any rates quoted. Always check the live rate at acemoneytransfer.com before sending.
The programme’s reward points may be redeemable for services offered by participating public-sector entities, subject to current programme terms and eligibility requirements. Check official SDRP guidance for the latest participating entities and redemption conditions.NADRA – CNIC/NICOP renewal, imported vehicle NADRA renewal documentation
Immigration & Passports – passport renewal fees
PIA – premium tickets, extra luggage allowances
FBR/Customs – duty payments on imported goods
State Life Insurance – insurance and takaful premiums
Utility Stores Corporation – grocery and household purchases
Bureau of Emigration & Overseas Employment – emigrant registration fees
Remitters may be able to transfer earned points to registered family members in Pakistan, subject to the programme’s current eligibility criteria and terms. Check official SDRP guidance for the latest transfer rules and limits. Redemption is initiated through the Sohni Dharti app: select a public sector entity service, confirm the number of points to burn, and receive a voucher or PSID code for use at the relevant department. Eligible participants may access programme benefits, subject to the current terms and eligibility criteria.
Here is who can join and how to get started with the remittance program in a few simple steps.
Eligibility is straightforward: any overseas Pakistani or non resident Pakistani with a valid CNIC, NICOP, or POC who sends remittances to Pakistan through banking channels or exchange companies qualifies. You also need an active mobile number to complete verification.
To register:
Download the app from the Google Play Store (for Android smartphones) or the Apple App Store (for iOS smartphones). The app download link is available on both platforms.
Select your preferred language - the app is available in English and Urdu language options.
Input your CNIC/NICOP/POC number, mobile number, email, and set a password to register. Submit your registration request for verification.
Once verified, remittance history from partner institutions is linked automatically.
To add a beneficiary, register them using their valid CNIC number. The registration code sent to the beneficiary via SMS is valid for 3 days, so ensure they complete setup promptly. The number of beneficiaries a remitter can register depends on the programme’s current rules. Check official SDRP guidance for the latest eligibility requirements and limits.
Understanding the Sohni Dharti Remittance Program is only half the equation. Overseas Pakistanis can use eligible formal remittance channels to send money to Pakistan. Qualifying transactions may earn SDRP loyalty points, subject to the programme’s current terms and eligibility criteria.
ACE Money Transfer is a digital remittance provider that enables users to send international remittances to Pakistan from multiple countries. When funds are routed through formal partner banks and payout networks, these remittances may qualify for the point based loyalty program - provided the sender is registered in the Sohni Dharti app and the transaction meets SBP rules.
Here is the ACE Money Transfer process:
Register or log in to the ACE platform using email, Google, or Apple ID.
Choose Pakistan as the destination country and select a payout method: bank deposit, mobile wallet, or cash pickup.
Enter accurate recipient details (full name, bank account number/IBAN, mobile wallet number, and CNIC where required).
Select a payment method such as debit card, credit card, or online bank transfer from the sender's country.
Add a payment reason (family maintenance, education, medical expenses, etc.) and confirm the transfer details before clicking "Pay Now."
Track the transaction in real time through the reference tracking number ACE provides.
Available payout options in Pakistan:
Bank Deposit: direct credit into accounts at major Pakistani banks.
Cash Pickup: cash collection at partnered bank branches and payout locations.
Mobile Wallet: Eligible remittances to supported wallets may qualify for SDRP points, subject to programme terms. Delivery times vary.
Pairing ACE Money Transfer with SDRP means every remittance you send remittances through is formal, traceable, and potentially eligible for the loyalty program. You can check ACE Money Transfer’s available exchange rates, use its digital transfer service, and potentially earn loyalty points on eligible transactions, subject to programme terms. Transfer times and availability vary.
Whether you have accumulated points from previous fiscal year transfers or you are just learning about the program now, make sure to redeem your points before the June 30, 2027 deadline. Sign up with ACE Money Transfer to send money to Pakistan. Eligible transfers may qualify for SDRP points, subject to the programme’s current terms and eligibility criteria.
Q1: Who is eligible to join the Sohni Dharti Remittance Program?
Any overseas Pakistani or non-resident Pakistani with a valid CNIC, NICOP, or POC who sends remittances to Pakistan through formal banking channels or licensed exchange companies can register.
Q2: How do I register for the Sohni Dharti Remittance Program?
Download the Sohni Dharti Remittance Mobile App from Google Play Store or Apple App Store, enter your CNIC/NICOP/POC, mobile number, email, and set a password. Submit your registration request for verification.
Q3: Can I register beneficiaries for the program?
Yes, you can register up to five beneficiaries in your lifetime using their valid CNIC numbers. The beneficiary receives a registration code via SMS, valid for three days.
Q4: How are reward points earned?
Reward points are earned based on a percentage of the PKR equivalent of each eligible remittance and depend on your tier level (Green, Gold, Platinum, Diamond).
Q5: What is the value of each loyalty point?
Each loyalty point equals PKR 1, which can be redeemed for services at participating public sector entities.
Q6: How can I redeem my Sohni Dharti reward points?
Use the Sohni Dharti app to select the public sector entity service, confirm points to redeem, and receive a voucher or PSID code for redemption.
Q7: Can I transfer my earned points to family members?
Yes, points can be transferred to registered beneficiaries with a daily limit of 10,000 points and monthly limit of 50,000 points.
Q8: Is the Sohni Dharti app available in multiple languages?
Yes, the app supports both English and Urdu languages.
Q9: When will the point accumulation and redemption phases end?
Point accumulation for new rewards ended on June 30, 2026. However, accumulated points can be redeemed until June 30, 2027.
Q10: How can I send money to Pakistan using ACE Money Transfer to maximize SDRP benefits?
Register or log in to ACE Money Transfer online, select Pakistan as the destination, choose payout method (bank deposit, cash pickup, or mobile wallet), enter recipient details, pay via debit/credit card or bank transfer, and track your transaction in real time.
If you need help with payout methods or countries supported, feel free to ask!
Disclaimer: This article is intended for general informational and educational purposes only and should not be construed as legal, regulatory, tax, business, or financial advice. While reasonable efforts have been made to ensure that all facts, figures, and data are accurate and valid as of the date of publication, no warranty or guarantee is given as to the ongoing completeness, accuracy, or currency of the information.
The content is based on information available at the time of publication. Regulations, government policies, market conditions, and service offerings may change over time and vary across jurisdictions and providers. As a result, some information may no longer be current or applicable. Readers should independently verify all information and consult qualified professional advisors before making any financial, legal, or business decisions.
