Send Money from Australia to Pakistan
Compare regularly updated AUD → PKR rates from 17+ providers. No hidden fees.
Why People Send Money Australia → Pakistan
Australia has a significant Pakistani community — over 75,000 Australians of Pakistani origin live primarily in Sydney and Melbourne. Regular remittances support families with living costs, housing, and education. Pakistan is one of South Asia's top remittance-receiving countries, and the AUD→PKR corridor has grown steadily as skilled Pakistani migrants move to Australia on professional visas.
Pro Tip: JazzCash Is Faster Than a Bank Transfer
JazzCash is Pakistan's largest mobile wallet. Sending directly to a JazzCash account is faster and more accessible than a bank transfer — especially for family members in areas with limited banking infrastructure.
How to send money from Australia to Pakistan
- Compare rates live: Use the comparison table above. AUD→PKR rates vary significantly between providers — always look at the PKR amount your recipient receives, not just the transfer fee.
- Create an account: Provide your Australian passport or driver's licence. AUSTRAC-licensed providers process identity verification quickly. Some providers allow you to send your first transfer while verification completes.
- Enter recipient details: For bank transfer: Pakistani IBAN (24 characters, starting with "PK"). For JazzCash or Easypaisa: the registered mobile number. For cash pickup: full name matching a valid Pakistani ID.
- Fund the transfer: PayID (instant and free via NPP) is the recommended payment method from Australia. BPAY and debit card are also accepted. Credit card funding is possible but may incur a cash advance fee from your card issuer.
- Confirm and monitor: After submitting, save your transfer reference number. Track progress via the provider app or website. Contact support with the reference number if the transfer has not arrived after 2 business days.
What to know
Pakistani IBAN format
Pakistan uses 24-character IBANs starting with "PK" followed by 22 digits. This applies to all major Pakistani banks including HBL, UBL, MCB, Meezan Bank, Allied Bank, Habib Bank, and Bank Alfalah. Your recipient can find their IBAN in their mobile banking app or on a printed bank statement.
JazzCash and Easypaisa wallets
JazzCash (30M+ users) and Easypaisa (15M+ users) are Pakistan's dominant mobile wallets. Both are accepted for international transfers from Australia via WorldRemit. Wallet transfers arrive faster than bank deposits and recipients can use funds immediately for mobile top-ups, utility bills, online payments, and agent cash-out.
Pakistan remittance incentives
Pakistan actively encourages overseas remittances to boost foreign currency reserves. The State Bank of Pakistan runs the Roshan Digital Account (RDA) programme, which offers attractive profit rates on foreign currency deposits for non-resident Pakistanis. If your recipient wants to save in foreign currency rather than spend immediately, an RDA account may be worth exploring.
WorldRemit is the leading choice for Australia-to-Pakistan transfers with competitive AUD/PKR rates, JazzCash and Easypaisa support, and a first-transfer promotion. Wise supports Pakistani bank accounts at close to mid-market rates and is best for amounts above AUD $1,000. Western Union has the most extensive cash pickup network in Pakistan including rural cities and towns. MoneyGram is also widely available for cash pickup. For frequent senders, Wise's recurring transfer feature locks in the current rate and saves time on each subsequent transfer.
FAQs
How long does a transfer from Australia to Pakistan take?
Bank account transfers take 1–2 business days with most providers. JazzCash and Easypaisa wallet delivery is often same-day or within a few hours. Cash pickup via Western Union or MoneyGram is usually available within minutes. First-time transfers may take slightly longer due to compliance screening.
What is the best AUD to PKR exchange rate?
Rates change daily. Wise is closest to mid-market. WorldRemit is competitive especially for amounts under AUD $1,000. Use our live comparison table to find the best rate for today — the PKR amount received is the only accurate measure of value.
Can I send money to JazzCash from Australia?
Yes. WorldRemit both support JazzCash delivery from Australia. Select mobile wallet as the delivery method and enter the recipient's JazzCash-registered Pakistani mobile number with the +92 country code. Funds typically arrive within a few hours.
What is a Pakistani IBAN and where is it found?
Pakistan's IBAN is 24 characters — "PK" + 22 digits. It is found in your recipient's mobile banking app, on their bank statement, or on the bank's website. All major Pakistani banks (HBL, UBL, MCB, Meezan, Allied, Bank Alfalah) use this format.
Is money sent from Australia to Pakistan taxable?
Sending your own after-tax income from Australia is not a taxable event in Australia. In Pakistan, family remittances are exempt from income tax. The State Bank of Pakistan actually incentivises inward remittances through its Roshan Digital Account scheme. Consult a tax professional if the transfer is for a business purpose.
How much can I send from Australia to Pakistan?
WorldRemit allows up to AUD $30,000 per transaction. Wise supports up to AUD $1,000,000 for fully verified accounts. Western Union's limits vary by payout location. AUSTRAC reporting is required for transfers above AUD $10,000 and is handled automatically by your provider.