If you're a Pakistani resident expecting money from family abroad, understanding how Remitly works in your country can save you time and confusion. This guide covers delivery methods, fees, exchange rates, and an alternative for sending money internationally through ACE Money Transfer. Exchange rates fluctuate, and the rate you receive may differ from any rates quoted. Always check the live rate at acemoneytransfer.com before sending.

Quick answer: Is Remitly available in Pakistan and what are the main delivery methods?

Remitly is available in Pakistan, but only for receiving money from abroad. Pakistani residents cannot open a Remitly account or use it to send money online from Pakistan to another country. If your family lives in a supported sending country, they can transfer money to Pakistan through Remitly, and you can collect it locally.

Recipients in Pakistan can receive funds through three main delivery methods:

Bank deposit directly into a local bank account (e.g., United Bank UBL, MCB, Bank Alfalah, Habib Bank)

Cash pickup at authorised partner branches and licensed exchange company counters

Mobile wallet credit to supported accounts where available

Typical source countries include the United States, the United Kingdom, Canada, Australia, and several European nations. Senders from these corridors can send money to Pakistan from the United States, the United Kingdom, or other regions where Remitly operates.

For those who need to send money abroad from Pakistan, ACE Money Transfer is a digital alternative worth considering.

Receive with Remitly, send with ACE Money Transfer.

How Remitly works in Pakistan: receive money from abroad

Remitly is an online money transfer service that lets your relatives abroad send money online to Pakistan using a computer or mobile app. The sender creates an account, initiates the transfer, and the recipient in Pakistan gets money from Remitly through local payout partners.

Remitly partners with local services for transactions in Pakistan, routing funds to your chosen delivery method. The main delivery options are bank deposit to a Pakistani bank account, cash pickup from partner counters, and mobile wallet credit where available.

Remitly does not charge the receiver in Pakistan. Any transfer fee and exchange rate margins are paid entirely by the sender abroad. Transfers can often arrive within minutes under ideal conditions, but actual delivery speed varies depending on the sender's country, payment method, and chosen delivery method. Recipients can track money from Remitly using SMS notifications, the Remitly app, or a reference number shared by the sender.

Delivery methods in Pakistan: bank account, cash pickup, and mobile wallet

Remitly offers multiple delivery options in Pakistan. The sender chooses the delivery method that suits the recipient best when setting up the transfer on the Remitly website or app.

Bank deposit:

Money transfer is sent directly into the recipient's Pakistani bank account.

Useful for people who already use formal banking and prefer digital balances.

Usually requires the recipient's full name, bank name, branch, and account number or IBAN.

Funds can be transferred directly into major Pakistani banks like UBL, MCB, and Bank Alfalah.

Cash pickup:

Recipient collects money in cash at a designated cash pickup location or bank branch.

Good for people without a bank account or in areas where cash is preferred.

Recipient typically needs a valid ID (CNIC) and the transaction reference number.

Recipients can withdraw money at various partner locations across major cities.

Mobile wallet:

Funds go into a supported Pakistani mobile wallet account. Transfers can be made to mobile wallets such as Easypaisa or JazzCash.

Suitable for fast, small-value transfers to be spent via QR code, bills, or airtime top-ups.

Not every delivery method is available for every sender country; availability depends on Remitly's local partners and can vary including by corridor. Always confirm delivery options and fees on the Remitly app or website right before transferring, as partnerships and coverage can change.

Step-by-step: how your family abroad sends money online to Pakistan with Remitly

Here is the typical process your relative follows to send you money with Remitly:

Sign up - Sender creates a Remitly account using an email or mobile number in a supported sending country. Users can sign up for a free profile on the Remitly website or app. Identity verification may be required based on country and amount.

Set up the transfer - Choose Pakistan as the destination country and PKR as the receiving currency. Enter the amount to send and see the converted amount in Pakistani rupees in real time. Have bank details and contact information ready before sending.

Select a delivery method - Sender picks cash pickup, bank deposit, or mobile wallet. The app shows estimated delivery time and transfer fee for each option. Remitly provides delivery speed options categorised as Express or Economy. Express transfers usually arrive within minutes, while Economy transfers typically take 3 to 5 business days.

Add recipient details - Enter your recipient's information:

For bank account: name, bank, branch, and account number or IBAN

For cash pickup: full name as on CNIC and sometimes phone number

For mobile wallet: wallet provider and registered mobile number

Pay and send - Sender pays from their bank account, debit or credit card, or allowed local payment methods depending on their country. The transfer is processed, and money from Remitly is routed to the chosen delivery provider in Pakistan. Remitly allows users to send money from a computer or mobile app.

Both sender and recipient can track the status. Some transfers may be delayed if extra compliance checks or documents are required.

Remitly fees, exchange rates, and first transfer promotions for Pakistan

The total cost of sending money with Remitly to Pakistan includes a visible transfer fee plus an exchange rate margin on conversions to PKR.

Transfer fees:

Fees vary depending on the sending country, payment method (e.g., bank account vs. credit card payments), delivery speed, and the amount sent. Remitly’s transfer fees vary by sending country, transfer amount, payment method, and delivery option. Check Remitly’s website for current fees and exchange rates before sending. Transfer fees vary based on amount sent, payment method, and delivery option, so this figure can change.

Exchange rates:

Remitly sets its exchange rate for PKR transfers, which may differ from the mid-market rate. Fees and exchange rates vary by transaction. Compare the total cost, exchange rate, and amount the recipient will receive before sending. A more favourable exchange rate can increase the amount received.

First transfer promotions:

Remitly may offer promotional exchange rates or reduced fees to eligible customers. Offers and eligibility requirements vary by promotion. Check Remitly’s official website for current terms. Remitly offers promotions for first-time users affecting fees. The promotional fx rate applies when you pay for your initial transfer, but the promotional fx rate shown may only cover a limited amount. After that, a non-promotional Fx rate kicks in. Rates shown are subject to change, so always check live rates on the Remitly app.

Remitly shows the exact fees and exchange rates before confirming a transfer. Compare total money received in PKR across providers, not just the fee, because the exchange rate margin can be the bigger cost.

Limits, delivery times, and safety: what Pakistan recipients should know

Remitly applies sending limits, delivery time ranges, and security measures to comply with regulations.

Sending limits:

Remitly sets different tiers of limits for new and verified customers. Higher limits require extra documents from the sender abroad. Limits can also depend on the payout partner and delivery method in Pakistan. Transfer time depends on the delivery speed selected.

Delivery times:

Remitly offers two delivery speed options for transfers. Bank deposits and mobile wallet transfers can often arrive within minutes (Express) but may sometimes take 3 to 5 business days (Economy). Cash pickup may be near instant during banking hours but depends on location and cash availability.

Safety and compliance:

Remitly’s regulatory status and security measures vary by jurisdiction. For current details, consult Remitly’s official website and the relevant financial regulator’s register. Transfers can be tracked and may be paused if compliance checks are needed, especially for higher amounts.

Recipient responsibilities in Pakistan:

Keep your bank account, mobile wallet number, and contact details accurate and up to date. Users must provide updated bank details and contact information.

Ensure your CNIC is valid and matches the name the sender uses for cash pickup.

Avoid sharing one-time codes or reference numbers with anyone except the trusted sender and the official payout counter.

If a transfer is delayed or needs correction, direct your sender to the Remitly FAQ and customer support for resolution. How much does it cost to fix an issue? Nothing-support inquiries are free.

Using ACE Money Transfer as an alternative for sending money from Pakistan

Remitly primarily serves customers sending money from supported countries to Pakistan. ACE Money Transfer also offers international remittance services from supported sending countries, subject to service availability and eligibility requirements. Check each provider’s website for current sending-country coverage. You can send money online through ACE's website or app with the following steps:

Register or log in to your ACE Money Transfer account using your email, Google, or Apple ID.

Choose your destination country and select a payout option (bank deposit, mobile wallet, or cash pickup).

Enter accurate recipient details, including bank account information or mobile wallet number.

Select how you'll pay: debit card, credit card, or online bank transfer.

Add a payment reason, review exchange rates and fees, and click "Pay Now."

Track your transaction in real time using the reference tracking number provided.

Available payout methods with ACE:

ACE Money Transfer offers real-time tracking, similar to how senders track money from Remitly. Consider which corridor you're using-Pakistan Remitly for receiving, or ACE for sending-and pick the provider that supports your exact journey. Before choosing, compare exchange rates, fees, and delivery options to maximize the final amount received.

What customers are saying and how to choose the right service

Digital remittance apps offer an option for sending money internationally, depending on provider availability and eligibility. To see what our customers are saying, platforms like Trustpilot reflect individual experiences that represent the personal opinions of our customers. Customer reviews displayed on this page are provided for informational purposes and do not endorse any particular statement. The experiences described may not reflect the typical customer journey, as reviews on Trustpilot reflect individual circumstances. All trademarks, trade names and logos displayed are registered trademarks of their respective owners. Their display does not imply affiliation or endorsement. Logos displayed are registered trademarks used for identification only.

When evaluating a provider, consider:

Check ratings but read detailed comments-not only the score

Look at availability of delivery options in your specific Pakistani city

Compare exchange rates to PKR, not just transfer fees

Remitly offers money transfers to Pakistan through available delivery methods, which may include bank deposits, cash pickup, and mobile wallets, depending on the transfer route. Check Remitly’s website for current receiving options and eligibility. ACE Money Transfer is an additional digital option for sending money internationally with bank deposit, cash pickup, and mobile wallet payouts. Choosing the right service depends on where you are, how you want to receive or send money, and what matters more: speed, cost, or convenience. Discuss with your family abroad which app delivers the best total PKR for your specific corridor.

Frequently Asked Questions (FAQs) about Remitly in Pakistan

Q1: Can Pakistani residents send money using Remitly?No, Pakistani residents cannot send money from Pakistan using Remitly. The platform is only available for receiving transfers to Pakistan from supported sending countries.

Q2: What are the main payout options for receiving money with Remitly in Pakistan?Recipients can receive money via bank deposit, cash pickup at authorized partner locations, or mobile wallet credit to supported wallets like Easypaisa or JazzCash.

Q3: How long does it take to receive money sent through Remitly to Pakistan?Transfer time depends on the delivery speed selected by the sender. Express transfers usually arrive within minutes, while Economy transfers can take 3 to 5 business days.

Q4: Are there any fees for receiving money in Pakistan with Remitly?No, the recipient does not pay any fees. The sender covers the transfer fee and any exchange rate margin.

Q5: How can I track my Remitly transfer to Pakistan? Both sender and recipient can track the transaction in real time using the reference tracking number provided by Remitly via SMS or the app.

Q6: What payment methods can senders use to pay for transfers to Pakistan?Senders can pay using debit cards, credit cards, or online bank transfers, depending on their country of origin.

Q7: What should I do if my transfer to Pakistan is delayed?Delays can occur due to compliance checks or documentation requirements. Contact the sender to check status via Remitly customer support.

Q8: Is ACE Money Transfer a good alternative for sending money from Pakistan?ACE Money Transfer provides international remittance services from supported sending countries. Sending-country availability, payout options, and transfer-tracking features depend on the route and service. Check ACE Money Transfer for current details.

Q9: Does Remitly offer promotions for first-time users sending money to Pakistan?Yes, first-time users may receive promotional exchange rates and reduced or waived transfer fees, depending on the corridor and amount.

Q10: What information do I need to provide for a bank deposit in Pakistan? The sender needs your full name, bank name, branch, and account number or IBAN to complete a bank deposit transfer successfully.

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.