ACE Money Transfer
ACE Money Transfer
23 Oct 2026
Overseas Pakistanis use international money transfer services to send money to family and loved ones in Pakistan through affordable remittance channels to support their families back home. UPaisa international money transfer, supported by partners such as ACE Money Transfer, enables customers to send money from abroad for receipt in Pakistan, subject to the applicable transfer method and processing times. Recipients can receive funds directly into their UPaisa accounts without visiting a bank branch. Exchange rates fluctuate, and the rate you receive may differ from any rates quoted. Always check the live rate at acemoneytransfer.com before sending.
UPaisa users in Pakistan can receive international remittances directly into their UPaisa mobile wallet. ACE separately offers bank deposit and cash pickup options in Pakistan. Senders abroad use ACE Money Transfer to initiate the transfer online.
Here is the basic flow from both sides:
Sender (abroad):
Create or log into an ACE Money Transfer account
Choose Pakistan as the destination and select UPaisa wallet, bank deposit, or cash pickup
For a UPaisa wallet transfer enter the recipient's full name and registered UPaisa mobile number. For a bank deposit provide the required bank account details.
Pay via debit card, credit card, or online bank transfer
Confirm the transfer details and save the reference tracking number
Recipient (in Pakistan):
Receive an SMS or in-app notification when funds arrive
Check UPaisa wallet balance - funds sent to UPaisa wallets are credited instantly after regulatory checks. Visit acemoneytransfer.com for current rates.
Use money immediately to pay utility bills, buy mobile load, shop online, or send local transfers
All international remittances received into UPaisa accounts are credited in Pakistani Rupees (PKR), with currency conversion taking place on the sending side before the funds reach Pakistan. Exchange rates fluctuate, and the rate you receive may differ from any rates quoted. Always check the live rate at acemoneytransfer.com before sending.
UPaisa is a branchless banking service of U Microfinance Bank offered in collaboration with Ufone. UPaisa is a branchless banking service of U Microfinance Bank offered in collaboration with Ufone. It is regulated by the State Bank of Pakistan and enables users to send money, receive money, pay bills, and manage finances from their own smartphone.
International remittances require a participating remittance partner for transfers to UPaisa accounts. Transfer partners like ACE Money Transfer and Remitly support sending money to UPaisa wallets. Remitly provides transfer tracking through its website and app, allowing senders to check the status of their money transfer. UPaisa allows money transfers to any bank account or wallet within Pakistan, making it a convenient application for recipients who need flexibility.
Core use cases include supporting family back home, covering education or medical fees, funding e-commerce purchases, and handling everyday expenses. The sender does not need a Pakistani bank account - they simply pay from their country through ACE using a debit card, credit card, or online bank transfer.
ACE Money Transfer is an international remittance platform active in more than 75+ countries, connecting senders worldwide to recipients in Pakistan through UPaisa wallet payouts, bank deposits, and cash pickup.
The process works like this. First, register or log in on ACE using your email, Google, or Apple ID. Next, choose Pakistan as your destination country and select the payout option that suits your recipient - UPaisa mobile wallet, bank deposit, or cash pickup. Enter the recipient's accurate details, including their full name, mobile number, CNIC, or bank account and branch where required. Then select your payment method: debit card, credit card, or online bank transfer from your bank account. Add the payment purpose (family support, bill payment, etc.) and review all transfer details carefully before clicking "Pay Now." After payment, you receive a reference tracking number for real-time tracking of your transaction.
The whole process usually takes only a few taps for returning users, and senders can initiate transfers around the clock from their phone or laptop. ACE provides live transfer tracking so you can track the status of your money transfer. It is always important to know the status of your international money transfer.
ACE Money Transfer supports multiple ways to receive money in Pakistan, with UPaisa tightly integrated for seamless digital payments.
UPaisa Wallet: Funds go directly to the recipient's UPaisa wallet linked to their registered mobile number and CNIC. The recipient gets instant alerts and an in-app balance update. This is ideal for people who frequently pay online bill payments, buy phone credit, or enjoy seamless fund transfers locally. Recipients can also withdraw cash through UPaisa agents or ATMs in Pakistan.
Bank Deposit: Funds are credited to the recipient's Pakistani bank account at major partner banks. This option works well for salary support, tuition, or larger family expenses that require a conventional bank account.
Cash Pickup: The recipient can collect cash over the counter at authorized partner bank branches and payout locations. This is a strong option for those without a UPaisa account or bank account - all they need is their original CNIC and the transaction reference code from the sender.
Receiving money via UPaisa is straightforward. Most of the setup is handled by the sender abroad, while recipients only need transfer details to receive money along with a valid CNIC.
When money is sent to your UPaisa wallet:
Ensure your UPaisa account is active and registered against your CNIC and Ufone number. UPaisa accounts can be accessed via an app or USSD code (*786#).
Share your correct mobile number and full name with the sender using ACE.
Wait for an SMS or app notification confirming the money transfer has arrived.
Check your balance in the UPaisa app and start using funds for bill payments, mobile top-ups, and shopping.
UPaisa offers a Level 1 Home Remittance Account (L1-HRA) that allows eligible recipients to receive international remittances directly into their accounts, subject to a maximum credit balance of PKR 1,500,000. Users can upgrade account tiers if they need increased capacity.
When money goes to your bank account:
Share your bank name, branch, and account number with the sender.
Monitor SMS alerts or check via mobile banking. Bank deposits may take 1–2 business days.
For cash pickup:
Note the transaction reference number from the sender.
Visit the nearest partner payout location with your original CNIC.
Collect funds after standard on screen instructions and verification at the counter.
Wallet payouts and many cash pickups typically arrive within minutes, depending on compliance checks and the sending country.
The total cost of a money transfer depends on the sending country, payout method, payment method, and the current FX rate. ACE Money Transfer displays the exact exchange rate and transfer fee upfront before the sender confirms, so you can review the applicable fees and exchange rate before confirming your transfer.
Card payments can be faster but may carry slightly higher charges from the card issuer, while online bank transfers often have lower costs but slightly slower processing. Exchange rates change regularly. Check the current ACE exchange rate before confirming the transfer.
Transfer speed varies. For UPaisa wallet payouts and many cash pickups, funds can arrive almost instantly. Transfers from Estonia to Pakistan, for example, can be completed in minutes. Bank account deposits may take longer during weekends, public holidays, or when extra verification is required. Always review the live estimate on ACE before you send money. Rates and fees may vary. Visit acemoneytransfer.com for current rates.
Pairing ACE for cross-border transfers with UPaisa for local usage gives both senders and recipients a secure remittance experience that is modern and flexible.
Convenience: Senders abroad can initiate a money transfer without visiting a bank branch. Recipients receive money directly in their UPaisa wallet and use it for a hassle-free mobile experience - from secure online transactions to everyday purchases.
Security and transparency: ACE Money Transfer Limited is authorised by the UK Financial Conduct Authority (FCA) to provide permitted payment services and performs compliance checks on every transfer. Real-time tracking, SMS notifications, and in-app biometric verification protect both parties. ACE uses security measures, including device binding and OTP-based verification, to help protect account access and support account security.
Flexibility: Multiple payout methods (UPaisa wallet, bank account, cash pickup) and multiple sender payment methods (debit card, credit card, online bank transfer) mean you choose what works best.
Everyday usability: Once funds are in your UPaisa wallet, you can pay utility bills, buy mobile load for any number on various networks (including other mobile operators), scan QR codes to shop at Mastercard enabled merchants, donate instantly to leading charities across Pakistan, and simply pay at any Mastercard enabled restaurant or retail store. The app supports payment of mobile airtime and recharges, and you can purchase Jazz bundles or top up other mobile wallet accounts.
New users and valued customers often have similar questions about limits, documents, and troubleshooting when they send or receive money internationally.
What documents are needed? Recipients in Pakistan need a valid CNIC. Senders need identity verification (passport or national ID) depending on their country and the amount being sent. Additional verification documents may be requested depending on the transfer and the sender's country.
Are there limits? Sending limits depend on identity verification and delivery method. Users can upgrade accounts for higher maximum balance limits. Check your ACE account profile for live limits in your region.
What if the wrong details are entered? Contact ACE support immediately before the transfer is paid out. After payout, changes are typically not possible.
Funds not visible? If a transfer is marked delivered but not in your UPaisa wallet or bank account, confirm the reference number with the sender, then contact UPaisa helpline or ACE support.
Double-check all recipient details before confirming any international money transfer. Incorrect information can cause delays and trigger additional compliance reviews.
Whether you are looking for an enhanced app experience, improved performance, or smarter functionality, UPaisa and ACE provide a digital option for sending and receiving remittances. Start by creating your ACE account today and send your first transfer to a UPaisa wallet, subject to applicable processing times.
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.
