# Using Wise in Pakistan: what works and what doesn't

URL: https://which.pk/money/guides/wise-in-pakistan/
Author: Hassam Imtiaz
Updated: 10 Oct 2026

## Summary

Wise works in Pakistan in one direction only. Someone abroad can send rupees to a personal Pakistani bank account using the recipient's IBAN, up to Rs 3.5 crore per transfer, usually arriving the same day once converted. If you live in Pakistan you can't hold money with Wise, can't get USD account details and can't get the Wise card. On Wise's own comparison data for 9 to 10 October 2026, Remitly, WorldRemit and others delivered more rupees than Wise for 500 pounds or dollars.

## Key facts

- Hold money from Pakistan: Not available
- Wise card in Pakistan: Not issued
- Max per transfer to Pakistan: Rs 3.5 crore
- Fee, £1,000 by bank: £6.60 (Oct 2026)

Wise works in Pakistan in one direction only. Someone abroad can use Wise to send **rupees to a personal Pakistani bank account**, up to Rs 3.5 crore per transfer, and it usually arrives the same day once converted. If you live in Pakistan, you **can't hold money in a Wise account, can't get USD account details and can't get the Wise card**. All of this is from Wise's own help pages, as of October 2026.

**Largest single Wise transfer to Pakistan:** Rs 3.5 crore (Rs 35,000,000 per transfer, personal bank accounts only. Wise help centre, October 2026)

## Can I open a Wise account in Pakistan?

Not one that does what most people want. Wise says you can "register and send money with Wise from most countries", and Pakistan is not on its list of countries where Wise doesn't operate. But three things are closed to anyone who lives in Pakistan:

- **Holding money.** Wise lets you hold money only if you live in a country on its list. Pakistan is not on it, as of October 2026. India, China, Saudi Arabia, Bahrain, Kuwait and Qatar are.
- **USD account details.** Wise's help page names Pakistan among the countries where your address rules out USD account details. These are the details a client in the US would pay into.
- **The Wise card.** The personal card is issued in places such as the UK, the EEA, the US, Canada, Australia, Japan and Singapore. Pakistan isn't listed. You can join Wise's waitlist.

We couldn't find a Wise page that says whether a Pakistan resident can register and send money abroad, for example with a foreign card. So we don't list that as an option.

## Can you send money to Pakistan with Wise?

Yes. This is the part that works. The money goes to a local bank account, and the person in Pakistan doesn't need a Wise account.

What the sender needs, from Wise's guide to rupee transfers:

- Your **full name and IBAN**. A Pakistani IBAN is 24 characters, starts with PK and has letters and numbers.
- A **personal account**. Wise can't send to a business account in Pakistan, and the recipient must be a private individual.
- An account that **accepts inward transfers**. Meezan Bank Express and Allied Bank Express accounts don't. Money sent to them is rejected, or held by the bank until Wise's partner claims it back.
- If you have an **Asaan account** with a Rs 5 lakh limit, Wise says transfers to it will be rejected.

Wise's guide lists only bank accounts as destinations. It doesn't mention JazzCash or Easypaisa wallets or cash pickup.

You can't put rupees into Wise from a Pakistani bank. Wise's rupee guide says you can send from rupees only if you already hold them in Wise, converted from another currency. Its currency list still shows rupees as "send to" only, so treat Wise as a way into Pakistan, not out.

## How much does Wise charge to send money to Pakistan?

The fee depends on the currency and how the sender pays. These are Wise's own fees for sending 1,000 to a Pakistani bank account, taken from the data behind Wise's fee calculator on 10 October 2026:

| Sending 1,000 | Paid by bank transfer | Paid by debit card | Paid by credit card |
|---|---|---|---|
| British pounds | £6.60 | £9.73 | £28.60 (Visa) |
| Euros | €8.18 | €11.71 to €15.99 | up to €21.97 |
| US dollars | $8.36 (direct debit) or $12.75 | $18.87 | $58.55 to $67.59 |
| UAE dirhams | AED 18.02 | AED 46.15 | not checked |
| Saudi riyals | SAR 14.76 | not checked | not checked |
| Canadian dollars | CAD 9.37 | CAD 20.34 | not checked |

Paying by bank transfer is the cheapest in every currency we checked. A credit card costs several times as much: £28.60 against £6.60 for pounds. Wise says it uses the mid-market exchange rate and shows its fee upfront.

## Is Wise the cheapest way to send money to Pakistan?

Not always. Wise publishes a comparison of providers. On its own data, collected on 9 and 10 October 2026, Wise was not the one that delivered the most rupees:

| Sending 500 | Most rupees delivered | Wise | Gap |
|---|---|---|---|
| British pounds | Rs 184,108 (MoneyGram) | Rs 181,968 | Rs 2,140 |
| US dollars | Rs 138,555 (Remitly) | Rs 135,734 | Rs 2,821 |
| Euros | Rs 155,288 (MoneyGram) | Rs 153,690 | Rs 1,598 |

For 500 dollars, Remitly, WorldRemit, Western Union and Instarem all delivered more than Wise. For 500 pounds, Wise also came behind Remitly, WorldRemit, Western Union and Instarem. These quotes change daily, and some may be first-transfer offers. Before each transfer, the sender should check the rupee amount the recipient gets, not the fee alone.

**Qualifying home remittances must still be free at banks:** SBP stopped paying banks back for remittance charges from 1 July 2026 (EPD Circular Letter No. 12 of 2026). It told banks to keep qualifying home remittances **free of cost for senders and beneficiaries** anyway. The qualifying minimum has been USD 200 since July 2025. We couldn't confirm whether a Wise transfer counts as a home remittance under this scheme.

SBP also ended the Sohni Dharti Remittance Program, which rewarded overseas Pakistanis for using formal channels, Business Recorder reported on 9 July 2026. Workers' remittances reached USD 41.6 billion in the year to June 2026, up 9%, according to SBP data in the same report.

## Can freelancers in Pakistan get paid through Wise?

Only if the client has a Wise account and sends you rupees to your personal IBAN. You can't give a US client Wise account details, because Wise doesn't issue USD details to Pakistani addresses. You also can't keep the money in dollars, because Pakistan residents can't hold a Wise balance.

We couldn't confirm whether your bank treats a Wise payment as an export receipt or as an ordinary local transfer. That matters for the dollar retention and tax rules below, so ask your bank before you rely on Wise for client income.

The routes built for freelancers:

- **A freelancer bank account.** Under SBP's 2023 framework, your [foreign currency account](/money/guides/dollar-account-pakistan/) (ESFCA) is opened with your rupee account. You can keep 50% of export earnings or USD 5,000 a month, whichever is higher, in dollars. Since April 2026, banks must process inward payments within one working day, and a one-time declaration of your services replaces Form R for each payment.
- **Payoneer.** Payoneer says you can withdraw to a Pakistani bank account and receive rupees. Its pricing page, updated 1 January 2026, lists free receiving through local USD, EUR and GBP accounts and 1.2% to 4% for withdrawals with conversion. It gives no Pakistan figure. Profit reported in May 2025 that Payoneer charges Pakistani users a flat 3% to withdraw to a foreign currency bank account.

Our [freelancer payment methods guide](/business/guides/freelancer-payment-methods-pakistan/) compares Upwork, Fiverr and Payoneer payouts in more detail.

## What are the alternatives to Wise in Pakistan?

Each line follows from the sections above:

- **Family sending money home:** Wise works, but check providers such as Remitly, WorldRemit and Western Union for the rupee amount on the day. Banks must keep qualifying home remittances of USD 200 or more free.
- **Freelancer paid in dollars:** a freelancer ESFCA, or Payoneer.
- **Overseas Pakistani investing at home:** see our guide to [Roshan Digital Account investment](/money/guides/roshan-digital-account-investment/).
- **Paying for things abroad from Pakistan:** the Wise card isn't an option. Our [credit cards comparison](/money/guides/credit-cards-pakistan-compared/) lists Pakistani cards' foreign transaction charges.

More guides: [Investment options in Pakistan](/money/guides/investment-options-pakistan/), [Freelancer tax in Pakistan](/business/guides/freelancer-tax-pakistan/), [Banking & Payments](/money/banking/).

## Questions people ask

### Can I open a Wise account in Pakistan?

Not one you can hold money in. As of October 2026, Pakistan is not on Wise's list of countries where you can hold money, Wise doesn't give USD account details to people with a Pakistani address, and it doesn't issue its card in Pakistan.

### Can I use Wise to receive money in Pakistan?

Yes, if the sender is abroad. They send rupees to your personal Pakistani bank account using your full name and 24-character IBAN. Once Wise has converted the money, it usually arrives the same day.

### Can I use the Wise card in Pakistan?

Wise doesn't issue its card to people who live in Pakistan. A Wise card issued in another country can be used in most places that accept debit cards, Wise says.

### Is Wise or Payoneer better for freelancers in Pakistan?

They do different jobs. Payoneer lets you receive dollars from clients and withdraw rupees to a Pakistani bank. Wise only helps if your client has a Wise account and sends you rupees.

### Can Wise send money to a business account in Pakistan?

No. Wise sends rupees only to personal bank accounts, and the recipient must be a private individual.

## Sources

- [Guide to PKR transfers](https://wise.com/help/articles/2932334/guide-to-pkr-transfers), Wise (accessed 10 Oct 2026)
- [What currencies can I send to and from?](https://wise.com/help/articles/2571907/what-currencies-can-i-send-to-and-from), Wise (accessed 10 Oct 2026)
- [Where do I need to live to hold money with Wise?](https://wise.com/help/articles/2813542/where-can-i-open-a-wise-balance), Wise (accessed 10 Oct 2026)
- [Can I get USD account details?](https://wise.com/help/articles/2810318/can-i-get-usd-account-details), Wise (accessed 10 Oct 2026)
- [Can I get the Wise card in my country?](https://wise.com/help/articles/2968915/can-i-get-the-wise-card-in-my-country), Wise (accessed 10 Oct 2026)
- [Where can I use Wise?](https://wise.com/help/articles/2978049/which-countries-can-i-use-wise-in), Wise (accessed 10 Oct 2026)
- [Price data behind Wise's fee calculator (1,000 GBP, USD, EUR, AED, SAR, CAD to Pakistan)](https://wise.com/gateway/v1/price?sourceAmount=1000&sourceCurrency=GBP&targetCurrency=PKR), Wise (accessed 10 Oct 2026)
- [Comparison data behind wise.com/compare (500 GBP, USD, EUR to Pakistan)](https://api.wise.com/v4/comparisons/?sourceCurrency=GBP&targetCurrency=PKR&sendAmount=500), Wise (accessed 10 Oct 2026)
- [EPD Circular Letter No. 12 of 2026: Discontinuation of TT Charges Incentive Scheme (Internet Archive copy)](https://web.archive.org/web/20260702100744/https://www.sbp.org.pk/circulars/epd-circular-letter-no-12-of-2026), State Bank of Pakistan (accessed 10 Oct 2026)
- [EPD Circular Letter No. 04 of 2025: Reimbursement of TT Charges Scheme (Internet Archive copy)](https://web.archive.org/web/20250710095335/https://www.sbp.org.pk/epd/2025/FECL4.htm), State Bank of Pakistan (accessed 10 Oct 2026)
- [SBP introduces new measures to facilitate IT exporters and freelancers (23 Oct 2023)](https://www.sbp.org.pk/assets/documents/press-release/Pr-23-Oct-2023-1.pdf), State Bank of Pakistan (accessed 10 Oct 2026)
- [SBP introduces new measures to facilitate IT exporters and freelancers (6 Apr 2026)](https://www.sbp.org.pk/assets/documents/press-release/Pr-06-Apr-2026.pdf), State Bank of Pakistan (accessed 10 Oct 2026)
- [Pricing](https://www.payoneer.com/about/pricing/), Payoneer (accessed 10 Oct 2026)
- [Online payment methods in Pakistan](https://www.payoneer.com/resources/general-payments/online-payment-methods-in-pakistan/), Payoneer (accessed 10 Oct 2026)
- [SBP ends TT charges reimbursement for banks, keeps free remittance facility intact](https://profit.pakistantoday.com.pk/2026/07/02/sbp-ends-tt-charges-reimbursement-for-banks-keeps-free-remittance-facility-intact), Profit (Pakistan Today) (accessed 10 Oct 2026)
- [Payoneer slaps 3% withdrawal fee on Pakistani users](https://profit.pakistantoday.com.pk/2025/05/03/payoneer-slaps-3-withdrawal-fee-on-pakistani-users-sparking-backlash-among-freelancers), Profit (Pakistan Today) (accessed 10 Oct 2026)
- [Overseas Pakistanis send $41.6bn in FY26 as SBP ends incentive schemes (Internet Archive copy)](https://web.archive.org/web/20260711130932/https://www.brecorder.com/news/40429234/overseas-pakistanis-send-416bn-in-fy26-as-sbp-ends-incentive-schemes), Business Recorder (accessed 10 Oct 2026)