ACE Money Transfer
ACE Money Transfer
23 Oct 2026
If you're an expat sending money to Pakistan, NayaPay allows eligible users to receive international remittances directly into their digital wallets through supported remittance partners. Availability and delivery times vary by provider. Source: NayaPay Help Centre. Combined with a trusted remittance provider like ACE Money Transfer, Using a remittance provider such as ACE Money Transfer, you can initiate a transfer from your phone or computer, subject to service availability and processing times. This guide explains how the process works and what costs may apply.
NayaPay is a mobile wallet platform in Pakistan that facilitates international transactions by allowing users in Pakistan to receive inbound global remittances. It works with dozens of global remittance partners to deliver funds directly into a user's digital wallet in Pakistani rupees.
Users can receive international remittances from major corridors including the USA, UK, Europe, GCC countries like the UAE, Saudi Arabia, and Qatar, as well as Canada and Australia. NayaPay supports incoming international remittances through partner services. Check NayaPay’s official website for current partner information and availability.
NayaPay (Pvt.) Ltd. is listed by the State Bank of Pakistan (SBP) as an Electronic Money Institution authorised for commercial operations. The SBP list was last updated on 9 January 2026. Source: SBP List of Authorised EMIs. This means it operates under strict financial oversight. It is primarily designed for receiving money into Pakistan rather than sending money abroad, making it purpose-built for the remittance use case.
As a mobile wallet, NayaPay lets recipients store funds digitally, pay bills, make merchant payments via QR codes, and conduct peer-to-peer transfers. NayaPay also allows cash withdrawals from supported ATMs in Pakistan, and users can spend using a linked Visa debit card for international payments.
Senders can use ACE Money Transfer Limited, which is authorised and regulated by the UK Financial Conduct Authority (FCA) under reference number 506692. Verify on the FCA Register. Recipients only need the following to initiate international transfers. Recipients only need the following:
A verified NayaPay account
A registered Pakistani mobile number
Completed identity verification (KYC)
Once funds arrive, here's what recipients can do with the money:
Pay utility bills and mobile top-ups
Shop online or at local merchants via QR payments
Transfer funds to friends and family within the NayaPay ecosystem
Withdraw cash at partner ATMs using a Visa debit card
Cover education fees, medical expenses, and everyday spending
All international transfers arrive as PKR in the NayaPay wallet, ready to use instantly.
ACE Money Transfer is a global remittance service that lets expats send money online directly to a NayaPay mobile wallet in Pakistan. It allows eligible users to receive international transfers into supported recipient accounts, subject to provider availability and processing times.
The sender must create an ACE Money Transfer account and complete verification. The recipient only needs a verified NayaPay account linked to their Pakistani mobile number. The process works from dozens of sending countries - including the UK, EU states like Germany and Poland, the USA, Canada, Australia, and GCC countries - to Pakistan, with funds delivered in PKR.
Here's how it works, step by step.
To get started, visit the ACE Money Transfer website or download the mobile app. You can create an account using your email, Google, or Apple ID. Registration is straightforward, but you'll need to complete identity verification to comply with regulations governing international transfers.
Here's what you'll typically need to register:
Full legal name
Date of birth
Current address and proof of address
Government-issued ID (passport, driver's license, or national ID)
A selfie or photo for identity verification, depending on your sending country
Identity verification is essential for secure digital transfers, so make sure the information you provide matches your official documents. Once verified, you can start sending money online immediately, subject to ACE account limits and local compliance rules.
After logging in, select Pakistan as the destination country from the country dropdown. Then choose "Wallet" or "Mobile Wallet" as your preferred method for payout.
Within the available wallet options, you'll see the NayaPay logo listed alongside other supported wallets. Select NayaPay so the transfer is routed to the correct platform.
çThis transparency helps you understand exactly how much your recipient's NayaPay account will receive before you proceed.
You need the recipient's NayaPay account details to send money. Specifically, you'll enter:
The recipient's full name (as it appears on their NayaPay profile)
Their NayaPay-registered Pakistani mobile number (format: +92XXXXXXXXXX)
Accuracy matters here. Wrong digits in the mobile wallet number can delay or misdirect the transfer. ACE may validate the mobile format and in some cases show a partial name match confirmation to help you avoid errors.
Double-check the spelling and numbers before moving to the next step. A small mistake at this stage can create unnecessary complications.
Now select how much money to send and in which currency. You can send money to NayaPay using USD or PKR, among other currencies like GBP, EUR, AUD, CAD, SAR, or AED, depending on where you're sending from.
ACE Money Transfer displays the live exchange rate into PKR and the exact amount the NayaPay wallet will receive. Exchange rates may affect the final amount received when using NayaPay, so reviewing the rate at this step is important.
Here's what you'll do:
Select the send amount in your local currency
Review the exchange rate and any fees shown on screen
Pick your payment method: debit card, credit card, or online bank transfer
Transfer fees depend on the amount and payment method you choose. For instance, sending over GBP 150 or EUR 172 from certain countries may qualify for fee-free status. ACE Money Transfer may offer promotional campaigns, such as fee-free first transfers, subject to current terms, eligibility, and service availability. Check the official website for current offers and conditions.
On the confirmation screen, verify all details one final time: recipient name, NayaPay mobile wallet number, payout method, amount in PKR, and any fees. Add a payment reason if prompted.
Click "Pay Now" and authorize the card or bank payment. Once the transaction is successfully processed, you'll receive a reference tracking number. Use this to monitor real-time status in the ACE dashboard or app. You'll see updates like "Processing" and "Paid Out to NayaPay" as the transfer moves through the system.
Transfer times and verification requirements vary depending on the transaction and service provider. Rates and fees may vary. Visit acemoneytransfer.com for current rates. First-time users or high-value transactions may require extra verification checks, which can extend the processing time slightly.
If anything seems off, the tracking number and ACE's support team can help you resolve issues quickly, giving you peace of mind throughout the process.
Many Pakistani expats choose ACE Money Transfer combined with a NayaPay mobile wallet for a simple reason: it's fast, affordable, and the recipient can use the funds immediately. Whether you're in the UAE, UK, Saudi Arabia, or Australia, you can compare available remittance services by reviewing their fees, exchange rates, delivery times, and receiving options before sending money.
NayaPay, as a mobile wallet, lets recipients in Pakistan immediately access funds for payments, peer-to-peer transfers, and ATM withdrawals - all without visiting a bank branch.
One of the biggest advantages of using ACE Money Transfer is upfront pricing. Users see fees and exchange rates before sending money, so there are no surprises after the fact. You know exactly how much PKR will land in the recipient's NayaPay account before you click "Pay Now."
International transactions may incur charges depending on the remittance service used. With ACE, fees vary by amount, payment method, and sometimes by promotional period. Transfer fee promotions may be available from time to time, subject to current offer terms and eligibility. Check acemoneytransfer.com for details.
For example, when sending 1,000 GBP from the UK to a NayaPay wallet, the amount received depends on the applicable exchange rate and fees. Rates and fees may vary. Visit acemoneytransfer.com for current rates. That means about 368,000 PKR is credited to the recipient's wallet. After the first transfer, fee-free status typically applies when you send above certain thresholds (e.g., GBP 150, EUR 172, AUD 300).
When sending money internationally, compare transfer fees, exchange rates, and any additional bank or intermediary charges to understand how much your recipient may receive in Pakistan.
ACE Money Transfer supports transfers to eligible NayaPay wallets in Pakistan. Delivery times vary by transaction and processing requirements.
Transfer times to NayaPay wallets vary by transaction and processing requirements. Rates and fees may vary. Visit acemoneytransfer.com for current rates.
Money moves fast with NayaPay, often instantly available in the recipient's wallet
NayaPay allows users to receive funds in their wallet within minutes from supported remittance partners
Digital transfers to NayaPay are ideal for urgent financial needs like medical bills or tuition payments
On the sender's side, ACE operates 24/7 for online transfer initiation. However, if you pay via bank transfer rather than a card, the funding may be subject to local banking hours or cut-off times in your country.
To avoid delays, here's what you can do:
Complete your ACE account verification before your first transfer
Use a debit or credit card for faster payment processing
Double-check all recipient information for accuracy
Send during periods when your bank processes transfers in real time (e.g., Faster Payments in the UK)
First-time users or those sending larger amounts may face additional verification, which is standard across all regulated remittance platforms.
Security is important when making cross-border transfers. Review NayaPay’s official security information for details about its data protection measures and certifications. ACE Money Transfer and NayaPay use security measures to help protect transactions and customer information. Check each provider’s official security guidance for details.
Both ACE and NayaPay enforce identity verification and anti-money laundering checks. Accounts are subject to transaction limits and may require verification or additional information depending on the sender's country and the recipient's verification tier in Pakistan. Transfer times depend on the destination and transaction details. Rates and fees may vary. Visit acemoneytransfer.com for current rates. NayaPay’s monthly international remittance limits are subject to its current terms and eligibility requirements. Check NayaPay’s official website for the latest limits. Once the funds arrive, here's what recipients can do with their NayaPay wallet:
| Use Case | How It Works |
|---|---|
| Utility bills | Pay electricity, gas, water, and internet bills directly from the app |
| Mobile top-ups | Recharge any Pakistani mobile number instantly |
| Merchant payments | Scan QR codes at local shops and restaurants |
| ATM withdrawals | Use the linked Visa debit card at supported ATMs across Pakistan |
| Online shopping | Pay on e-commerce platforms using the linked card |
| P2P transfers | Send money to other NayaPay users or bank accounts |
This mobile-first experience means recipients can manage money entirely from their smartphone, which is particularly useful for families receiving frequent remittances from friends and loved ones abroad. There's no need to visit a bank branch, wait in line, or deal with paper forms.
NayaPay is a regulated mobile wallet in Pakistan that makes receiving international remittances fast and easy, with support from over 70 global partners.
ACE Money Transfer provides a simple, step-by-step process to send money to a NayaPay wallet from countries including the UK, USA, UAE, and Australia.
The process involves five steps: create an account, choose Pakistan and NayaPay, enter recipient details, set your amount and payment method, then confirm and pay.
Transfers to NayaPay can be completed in just a few minutes, with full transparency on fees and currency conversion.
NayaPay's PCI-DSS and ISO 27001 NayaPay certificates confirm its commitment to safety and data protection.
Recipients in Pakistan get immediate access to funds for bills, shopping, ATM withdrawals, and everyday spending.
Whether you’re sending money to support family, cover education costs, or manage an emergency, compare available transfer options, fees, and delivery times before sending money to a NayaPay wallet. View the ACE Money Transfer platform to get started, and share this link with friends and family so they know how to set up their NayaPay account to receive your next transfer. Transfer times depend on the destination and transaction details. Rates and fees may vary. Visit acemoneytransfer.com for current rates.
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.
