ACE Money Transfer
ACE Money Transfer
23 Oct 2026
If you have family abroad or work as a freelancer earning in foreign currency, receiving money in Pakistan should be fast, affordable, and hassle-free. SadaPay makes that possible. Here is everything you need to know about using SadaPay for international money transfer - from setup to spending your funds.
SadaPay does not currently support transfers to foreign accounts from the SadaPay wallet. It does support receiving international remittances through supported platforms. SadaPay supports incoming international remittances through supported transfer platforms. Transfers are usually received instantly but can sometimes take 1–2 working days.
Here is how to receive funds in just a few minutes:
Open the SadaPay app and tap the load money screen. Under "Receive International Transfers," copy your IBAN and note your exact account name.
Share your IBAN and account information with the sender abroad. They choose a remittance platform - ACE Money Transfer, Wise, Payoneer, Remitly, or Xoom - and select Pakistan as the destination country.
The sender picks bank deposit or mobile wallets as the payout method and enters your SadaPay IBAN as the recipient bank account.
The exchange rate is applied by the sending platform used for the remittance.
SadaPay has inbound remittances listed as free - no account opening fees, no annual charges, and no incoming transfer fee on your end.
International transfers to a SadaPay wallet are supported via licensed money transfer operators, so your funds arrive through secure, regulated channels.
SadaPay is a Pakistan-based digital wallet and mobile banking app that operates under the regulatory framework of the State Bank of Pakistan. SadaPay offers personal accounts while SadaBiz provides business and freelance payment services. SadaPay accounts hold balances exclusively in Pakistani Rupees (PKR) and do not let users hold balances in foreign currencies.
SadaPay offers free instant money transfers within Pakistan, users can pay bills to over 900 billers, and SadaPay supports mobile top-ups for any GSM network instantly. Wallet-to-wallet payments inside Pakistan are seamless and cost nothing.
Here is what you can and cannot do internationally:
Receive foreign remittances via your IBAN from platforms like ACE Money Transfer, Wise, Payoneer, Remitly, and Xoom.
Make international card transactions using your SadaPay Mastercard debit card for online shopping or in-store purchases abroad.
You cannot initiate outward international bank wire transfers from the SadaPay wallet - this is restricted by SBP regulations.
ACE Money Transfer supports transfers to SadaPay from supported sending countries. You can send money to SadaPay from the UK, Europe, the Gulf, or North America through ACE using the bank deposit method, which treats the SadaPay IBAN like a local bank account.
ACE Money Transfer charges a transfer fee for sending to SadaPay, plus an FX margin visible before the sender confirms. SadaPay does not add any incoming fee on top.
The sender registers or logs in to ACE using their email, Google, or Apple ID. They choose the country they are sending from and select Pakistan as the destination. The preferred payment method is then selected - debit card, credit card, or online bank transfer. Here is the process:
Select bank deposit as the payout method.
Enter the recipient's name exactly as shown in the SadaPay app and the SadaPay IBAN.
Add the mobile number if required by the platform.
Review the conversion rate, transfer fee, and total cost, then add a payment reason and click Pay Now.
Track the transaction in real-time using the reference tracking number provided.
After confirmation, funds are processed and reflected in the SadaPay wallet. The recipient gets an in-app notification. If funds are delayed, verify the IBAN and name spelling, and contact ACE support with the transaction reference.
Instant or near-instant access to funds with no need to visit a bank branch.
SadaPay currently lists incoming remittances as free. The sender's provider may charge transfer fees.
Remitted funds can immediately be used for local bank transfers, bill payments, and mobile top ups through the SadaPay app.
ACE offers real-time tracking and regulatory compliance, complementing SadaPay's own secure, SBP-licensed platform.
To receive an international money transfer, you need an active, fully verified SadaPay account. Sign-up for SadaPay takes less than 2 minutes - download the app, register using your CNIC and mobile number, complete a selfie for KYC, and your account is typically ready within 24 hours. You can sign up for SadaPay using an international mobile number if you are abroad. Overseas Pakistanis can also use a NICOP or Pakistan Origin Card for eligibility.
To find your IBAN, open the SadaPay app and navigate to the load money screen. For international transfers SadaPay provides an IBAN for receiving money. ACE may also request the mobile number or wallet account details. Share these details securely with your sender. There are no account opening fees, no annual charges, and no minimum balance - making it far simpler than a traditional bank account.
Once you receive funds, your SadaPay wallet lets you:
Make free local bank transfers to any Pakistani bank or other accounts.
Handle bill payments for electricity, gas, internet, and education institutions.
Process mobile top ups for any GSM network.
Shop online or in-store using your virtual card or physical SadaPay card.
Once remittances land in your SadaPay wallet, you have instant access. SadaPay provides a Mastercard debit card for global transactions - a free virtual card for online use, plus an optional physical card for a one-time fee of approximately PKR 1,724.
Local card payments inside Pakistan use your PKR balance with no extra cost.
International card transactions carry a 6% international transaction fee. Applicable taxes may also apply.
Local ATM withdrawals cost PKR 35. International ATM withdrawals cost PKR 250 plus applicable taxes and the international transaction fee.
International payments via card are different from bank transfers - you can spend abroad but cannot initiate outbound wire transfers. The app provides a transparent breakdown of every transaction: PKR equivalent, FX rate, fees, and any applicable tax. You can freeze and unfreeze cards instantly, receive real-time transaction alerts, and rely on strong encryption backed by State Bank of Pakistan oversight. There are no hidden fees in the process - what you see in the app is what you pay.
The total cost of receiving money depends primarily on the sending platform. SadaPay's side is straightforward:
No account opening fees and no annual charges.
Free inbound remittances - SadaPay supports free money transfers within Pakistan and charges nothing to receive payments from abroad.
Free local bank transfers to other Pakistani banks.
International card spending carries a ~6% markup; small transactions under PKR 800 add a flat PKR 55 fee.
SadaPay accounts have daily and monthly limits in line with SBP and internal risk policies. Users with high remittance volumes - freelancers using Payoneer or ACE Money Transfer regularly - should verify in-app limits and ensure sufficient balance and KYC compliance.
Common issues and how to handle them:
Delayed crediting (1–2 working days) can occur due to weekends, bank holidays, or compliance checks by the sending platform.
Failed transfers are often caused by incorrect IBAN, name mismatch, wrong mobile number, or a dormant account. In such instances, double-check every detail.
If a transfer shows complete on the sender's side but is not reflected in your wallet, contact the sender's provider with the reference number, then reach out to SadaPay's in-app support to speak with a real person.
Always keep transaction references and screenshots until sufficient funds are safely in your SadaPay wallet.
No annual charges and no incoming fees - a reliable, efficient way to receive funds.
Instant access to funds for local bank transfers, bill payments, and mobile top ups.
A debit card with global acceptance for travel and online shopping.
Transparent international transaction fees and real-time notifications with low fees overall. Rates and fees may vary. Visit acemoneytransfer.com for current rates.
24/7 in-app customer support and secure operations, backed by SBP regulation.
If you want a way to receive payments from abroad, check whether SadaPay supports your needs and the transfer method offered by providers such as ACE Money Transfer, Wise, Payoneer, Remitly, or Xoom. Join SadaPay today and explore the available options for receiving eligible payments or funds from abroad in Pakistan.
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.
