If you regularly send money home to Pakistan, getting it into the right bank account quickly and affordably is what matters most. This guide walks you through everything you need to know about making a Habib Metropolitan Bank international money transfer using ACE Money Transfer - from registering your account and choosing a payment method to tracking your funds and understanding the costs involved.

Quick Start: How to Send Money to Habib Metropolitan Bank via ACE Money Transfer

ACE is a remittance provider that connects senders in major corridors - including the UK, Europe, Canada, and Australia - directly with Habib Metropolitan Bank's home remittance channels. Most transfers are processed within one to two business days, and funds sent through the bank's remittance partners can be credited instantly to the recipient's account (Rates and fees may vary. Visit acemoneytransfer.com for current rates).

You can send money to Habib Metropolitan Bank via bank deposit, or your recipient can opt for cash pickup at Habib Metropolitan Bank branches. You do not need a bank account to send money to Pakistan - the process is handled entirely through the ACE platform.

Here is how the transfer process works, step by step:

Register or log in to your ACE account using your email, Google, or Apple ID. First-time users will need to upload a valid ID and proof of residence for verification.

Choose Pakistan as the destination country and select "Bank Deposit" as the payout method.

Select Habib Metropolitan Bank (listed as HABIBMETRO) from the available Pakistani banks.

Enter recipient details accurately - full name (must match bank records), account number or IBAN, and branch name or city. Verification of the recipient's IBAN is essential to prevent processing delays. Pakistan uses 24-character IBANs for bank accounts. Provide the recipient's IBAN when requested. You should confirm whether an IBAN or SWIFT code is mandated for the recipient's bank before proceeding.

Select your payment method - pay using a debit card, credit card, or online bank transfer from your local bank account. Card payments tend to process faster, while a bank transfer may take 30 minutes to one or two business days depending on your bank's cut-off times (Rates and fees may vary. Visit acemoneytransfer.com for current rates).

Add a payment reason (e.g., family support, education fees, medical expenses) and review the transfer details before clicking "Pay Now."

Track your transaction using the reference tracking number ACE provides. You can follow the transfer's progress in real time through your ACE dashboard until the funds reach the Habib Metropolitan Bank account.

ACE Money Transfer offers exchange rates for transfers to Pakistan, with the applicable rate displayed before confirmation, and displays the total fee, the applied exchange rate, and the exact amount the recipient will receive - all before you confirm the payment. This can help you and your beneficiary understand the applicable transfer costs before confirming the transaction.

For cash pickups, recipients typically need the payment reference and their original CNIC to collect funds from any HabibMetro branch in Pakistan.

Why Use ACE Money Transfer with Habib Metropolitan Bank in Pakistan?

ACE Money Transfer and Habib Metropolitan Bank provide remittance services for overseas Pakistanis sending money home to their families. Habib Metropolitan Bank, commonly referred to as HABIBMETRO, is a subsidiary of Habib Bank AG Zurich. The bank provides banking services through its branch network across Pakistan. That kind of reach means your recipient is rarely far from a branch, whether they need to collect cash, open an account, or resolve a query.

Here is why this combination works well for senders and their families:

Direct bank transfer experience. Sending money through ACE directly into a Habib Metropolitan Bank account provides a direct bank deposit option, subject to availability. The funds arrive through HABIBMETRO's dedicated remittance channels, making the process fast and traceable (Rates and fees may vary. Visit acemoneytransfer.com for current rates).

24/7 access for recipients. Once the deposit arrives, recipients with a Habib Metropolitan debit card can withdraw transferred funds from supported ATMs across Pakistan, subject to ATM availability and applicable banking terms, without needing to wait for branch opening times.

No physical agent visits required. ACE Money Transfer's online platform lets senders initiate transactions anytime from their phone or laptop. There is no need to visit a physical agent location.

Quick crediting and account records. Receiving remittances into a Habib Metropolitan account may provide access to account statements as transaction records. Customers can check with the bank for available digital banking services and interbank transfer options.

Promotions that increase value. ACE currently offers fee-free Pakistan transfers above certain thresholds. For example, AUD 300 from Australia. GBP 150 from the UK. EUR 172 from Europe. CAD 278 from Canada, which directly increases the final amount that families receive.

Send Money with ACE 

Sending and Receiving Money: Available Methods, Exchange Rate & Security

When it comes to sending money to Pakistan, there are several options: traditional bank wires, informal channels, and digital remittance providers.

Payout Methods

ACE Money Transfer supports three main payout methods for transfers to Pakistan:

Bank deposit to a Habib Metropolitan Bank account is the primary method this guide covers, but cash pickup is available at Habib Metropolitan Bank branches nationwide, and mobile wallet transfers work where supported.

What Information You Need

For accuracy and to avoid delays, make sure you have the following details before starting a bank transfer:

Recipient's full name as it is recorded in the bank.

Habib Metropolitan account number or IBAN (remember, IBAN is not commonly used in Pakistan, so the account number alone is often sufficient)

Branch name or city

Recipient's up-to-date phone number for notifications

Entering incorrect details - even a single digit off on the account number - can result in funds being held or returned. Double-check everything before hitting "Pay Now."

How the Exchange Rate Works

ACE converts the sender's currency (GBP, EUR, CAD, AUD, or others) into PKR at a live rate. The exchange rate margin on major corridors to Pakistan typically runs between 0.1% and 1.5%.

A few practical tips for getting better value:

Monitor currency fluctuations: Exchange rates can change over time, including during periods of PKR volatility. The rate applied to an international transfer depends on the provider’s pricing and the time the transaction is processed. This is not financial or legal advice. Please consult a qualified professional.

Use rate alerts. If ACE offers rate alert features, users can set alerts to receive notifications when exchange rates reach a specified level. This is not financial or legal advice. Please consult a qualified professional.

Compare total cost, not just exchange rate. International transfer fees vary by transaction type and currency. Fees for outward transactions depend on the sending provider and specific requirements. Look at the total amount your recipient will receive in PKR - that number tells the full story.

Banks and transfer providers display the recipient's destination currency and exchange rate before confirming a transfer. ACE does this clearly on the confirmation screen, showing the total fee, the applied rate, and the exact PKR amount your beneficiary will receive in their Habib Metropolitan Bank account.

Receiving fees may differ based on whether funds are credited to a bank account or paid through another channel.

Security and Anti-Fraud Measures

ACE Money Transfer uses encrypted connections, automated risk checks on transactions, and identity verification procedures as part of its security measures to help reduce the risk of unauthorised access.

To keep your transfers secure:

Never share your ACE login credentials or one-time verification codes with anyone

Double-check recipient details before confirming every transfer

Contact ACE support immediately if you suspect any fraudulent activity involving your account

Tracking, Support, and Common Questions

Every ACE transfer to Habib Metropolitan Bank comes with a unique reference number, visible in the sender's account dashboard immediately after confirmation. This is your key to monitoring the transfer from start to finish.

You can track the status in real time through your ACE account. The typical statuses you will see are:

Pending - ACE has received your payment and is processing it

In Process - Funds are being routed to HABIBMETRO's remittance channels

Paid - The funds have reached the recipient's Habib Metropolitan bank account

If something goes wrong - incorrect bank details, a delayed transfer, or any other issue - ACE customer support is accessible through email, in-app chat, and web contact forms. HABIBMETRO also has a dedicated home remittance division reachable via phone from Pakistan and internationally.

How long does a bank deposit to Habib Metropolitan typically take? Most card-funded transfers through ACE are completed within minutes. Online bank-transfer funding can take 1–2 banking days. HABIBMETRO account holders may see funds credited the same day or within hours.

Are weekend transfers processed? Transfers initiated during Pakistani bank holidays or outside working hours may be delayed until the next business day. ACE processes on its end regardless of Pakistani banking hours, but the final crediting depends on HABIBMETRO's operating schedule.

What happens if I entered a wrong account number? Funds will likely be held or returned. You will need to contact ACE support, and your recipient may need to visit their HabibMetro branch to help resolve the issue. This is why accuracy matters at the input stage - always verify details before confirming.

How Habib Metropolitan Bank Handles Incoming International Remittances

Habib Metropolitan Bank, as a major bank in Pakistan with 563 branches across Pakistan (as of March 31 2026), has dedicated systems for processing incoming cross-border payments.

International money transfers fall into two categories: inward remittances and outward remittances. Inward remittances refer to sending money to Pakistan - this is the category that covers the transfers discussed in this guide. Outward remittances refer to sending money from Pakistan abroad, which involves a different set of requirements and documentation.

Here is how the process works on the receiving side:

Funds arrive via remittance channels. Money sent through ACE enters HABIBMETRO's international remittance system, which operates under the Pakistan Remittance Initiative (PRI). HABIBMETRO supports home remittance under this initiative, which encourages overseas Pakistanis to use formal banking channels rather than informal ones.

Matching and crediting. HABIBMETRO matches the incoming transfer against the beneficiary's account number, name, and branch. Funds are credited instantly to HABIBMETRO account holders once the match is confirmed (Rates and fees may vary. Visit acemoneytransfer.com for current rates). Habib Metropolitan Bank supports PKR for money transfers, and HABIBMETRO supports remittances in multiple currencies, including PKR.

Notifications. The recipient receives an SMS alert as soon as the funds are credited. HABIBMETRO provides instant SMS alerts upon receiving funds, keeping the recipient informed without needing to check manually.

Customers of Habib Metropolitan can receive funds from any international partner, not just ACE, as long as the payout option chosen is "Bank Deposit" to a Habib Metropolitan bank account. Remittances can also be transferred to accounts held with other banks in Pakistan through IBFT or RTGS/PRISM where applicable. 

For Recipients Without an Account

While this guide focuses on bank account deposits, people without a HABIBMETRO account can still receive money. Funds can be collected from any HABIBMETRO branch in Pakistan using the payment reference code and a valid Computerised National Identity Card (CNIC).

Regulatory Requirements

International wire transfers to and from Pakistan are subject to applicable foreign exchange regulations. For large remittances, Habib Metropolitan may ask for additional documentation such as a source-of-funds explanation or employment details. This is a normal part of safe banking practice, not a red flag. Similarly, documentation is necessary for sending money abroad for purposes like education or medical treatment. To initiate an outward international wire transfer, certain beneficiary details are required, and regulatory compliance requires a declaration detailing the purpose of outward remittances.

Keep your CNIC information and contact details updated with Habib Metropolitan Bank. This ensures that SMS alerts, verification checks, and any follow-up on incoming foreign remittances can be handled without delays.

Once funds are in the account, recipients can use HABIBMETRO's digital banking platform to transfer money to other banks in Pakistan, pay utility bills, or withdraw cash as needed.

Using Your Habib Metropolitan Account and Debit Card After Receiving Funds

After a successful bank transfer, the recipient can access funds immediately through their Habib Metropolitan debit card. This means:

ATM withdrawals at any ATM across Pakistan, available around the clock

POS purchases at shops, restaurants, and service providers that accept card payments

Online and mobile banking through HABIBMETRO's digital platform for checking balances, downloading statements, and planning finances

For families who depend on regular remittances, having a dedicated account at a Habib Metropolitan branch creates a reliable financial routine. Steady remittance inflows into a Habib Metropolitan account help families build a documented financial history, which can potentially support future access to products like savings plans or financing.

A few important card security tips to keep in mind:

Keep your PIN confidential and never share it with anyone

Enable SMS alerts for all card transactions so you are notified of every withdrawal or purchase

Contact the bank instantly if the debit card is lost or stolen to block it before unauthorised use occurs

Account holders can also visit any HabibMetro branch to get help with account-related queries, request physical statements, or update their information. With over 563 branches in Pakistan, finding one nearby is rarely an issue.

Sending money to your family's Habib Metropolitan Bank account does not have to be complicated or expensive. If your family does not yet have a HABIBMETRO account, encourage them to visit the nearest branch and open one. And if you are ready to send your first transfer, head to the ACE Money Transfer website or download the app to get started today.

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.