If you’re living in the UAE or Saudi Arabia and want to send money to your family or friends in Pakistan, you’re not alone. Millions of Pakistanis working abroad face the same challenge: how to send money quickly, safely, and affordably.
In this 2025 guide, we’ll explore the best ways to transfer money from UAE and Saudi Arabia to Pakistan, compare services, fees, and highlight the most secure and highly rated money transfer options. Whether you’re using a mobile app, bank, or online wallet, we’ve got you covered.
Quick Comparison Table: Best Remittance Services (2025)
| Service Name | Transfer Speed | Fees | Exchange Rate | App Availability | Trusted In |
|---|---|---|---|---|---|
| Wise (TransferWise) | Within 24 hours | Low | Mid-market | Android & iOS | UAE, KSA |
| Western Union | Minutes to 1 day | Medium | Competitive | Android & iOS | UAE, KSA |
| ACE Money Transfer | Same day | Low | Real-time FX | Android & iOS | UAE, KSA |
| Xpress Money | Same day | Low-Medium | Good | Android & iOS | UAE, KSA |
| PayPak (Bank Linked) | 1–3 Days | Varies | Bank Rate | No (Bank App) | Pakistan |
Top Factors to Consider Before Sending Money
- Transfer Fees – Always check how much you’re being charged.
- Exchange Rate – A good rate can save you thousands of PKR.
- Transfer Speed – Urgent? Use instant or same-day methods.
- Security – Choose services licensed and regulated in the UAE/KSA.
- Mobile App Support – Most people prefer using secure apps now.
1. Using Online Money Transfer Apps
Wise (TransferWise)
- Why it’s great: Transparent fees, real mid-market exchange rate.
- ECPM-friendly keywords used: secure money transfer, cheap remittance service
ACE Money Transfer
- Popular among Pakistanis in the Gulf.
- Offers free transfers during promotions.
- Good for sending salary home quickly.
2. Bank Transfers from UAE & Saudi Banks
Many banks offer direct transfers to Pakistani banks like HBL, UBL, Meezan Bank, and Allied Bank.
- Al Rajhi Bank (Saudi Arabia)
- Emirates NBD (UAE)
- ADCB (UAE)
Tip: Banks are secure but may take longer and charge higher fees.
3. Western Union and MoneyGram
Perfect for those who want cash pickup in remote Pakistani areas.
- Accessible in nearly every city and village
- Receiver doesn’t need a bank account
- Good for emergency transfers
4. Mobile Wallets & Apps
Pakistan has growing support for mobile wallets like:
- JazzCash
- Easypaisa
- UPaisa
Some transfer apps allow direct sending to mobile wallets.
5. Blockchain and Cryptocurrency Transfers (Advanced Users)
For tech-savvy users, crypto remittance can be fast and low-cost. However, it’s not ideal for everyone due to complexity and regulation issues.
Tips to Maximize Value & Speed
- Send on weekdays for quicker processing
- Check promotions from services like ACE or Western Union
- Compare services monthly as rates and fees change
Why Remittance to Pakistan is Important
In 2024, Pakistan received over $30 billion in remittances – a key support for the economy. Sending through legal channels ensures that your money supports not only your family but also your country.
Final Thoughts: Which Method is Best in 2025?
For most users in the UAE or Saudi Arabia:
- Use Wise or ACE Money Transfer for bank-to-bank or wallet transfers.
- Use Western Union for fast cash pickups.
- Always check fee + exchange rate combo.