How to send money from Australia to Pakistan

Migratio Editorial · Last updated 23 July 2026

TL;DR: Australia has no outbound cap. Pakistan's State Bank encourages inward remittances through formal channels, and the Pakistan Remittance Initiative (PRI) has streamlined receipt processes. The AUD-to-PKR corridor offers multiple delivery options including bank deposit, mobile wallet (JazzCash, Easypaisa), and cash pickup through extensive agent networks.

Australia has no outbound cap. Pakistan's State Bank encourages inward remittances through formal channels, and the Pakistan Remittance Initiative (PRI) has streamlined receipt processes. The AUD-to-PKR corridor offers multiple delivery options including bank deposit, mobile wallet (JazzCash, Easypaisa), and cash pickup through extensive agent networks.

Overview

Pakistan is one of the world's largest remittance-receiving countries. The government actively encourages inward flows through the Pakistan Remittance Initiative (PRI) and has facilitated multiple delivery channels. Australian-Pakistanis have numerous provider and delivery options.

Outbound rules (Australia)

No cap. AUSTRAC reporting applies automatically (AUSTRAC).

Inbound rules (Pakistan)

SBP and PRI encourage personal inward remittances with no cap. Funds are received through authorised banks and exchange companies. No tax is imposed on personal inward remittances — Pakistan provides tax-free treatment for overseas remittances received through banking channels (SBP).

Fee comparison

Specialist services (Wise, Remitly, WorldRemit): AUD-to-PKR margins of 0.5–2%, fees of AUD 2–15.

Remittance providers (Western Union, MoneyGram, Ria): Cash pickup through bank and agent networks across Pakistan. Some providers deliver to JazzCash and Easypaisa mobile wallets.

Australian banks: AUD 20–35 plus 2–5% margin.

Delivery options

Bank deposit: To major Pakistani banks (HBL, UBL, MCB, ABL, Meezan Bank). 1–2 business days.

Mobile wallet (JazzCash, Easypaisa): Some providers deliver directly to JazzCash or Easypaisa accounts. Near-instant.

Cash pickup: Through bank branches and exchange company agent networks. Available within minutes.

Speed

Mobile wallet and cash pickup: minutes. Specialist services bank deposit: 1–2 business days. Bank SWIFT: 2–4 business days.

Tax implications

Australia: No tax on outbound transfers.

Pakistan: Personal inward remittances through banking channels are not taxed. Pakistan encourages formal channel usage and provides tax-free treatment.

Common mistakes

Not checking which delivery methods your provider supports. JazzCash and Easypaisa delivery is available through some providers but not all. Confirm before sending.

Defaulting to bank SWIFT for small amounts. Specialist and remittance services are cheaper and often faster for regular family support.

Frequently asked questions

How much can I send from Australia to Pakistan?

No Australian cap. Pakistan has no cap on personal inward remittances.

Can I send to JazzCash or Easypaisa?

Yes, through selected providers that support mobile wallet delivery. Check current options with your chosen provider.

Is the money taxed in Pakistan?

No. Personal remittances received through banking channels are tax-free in Pakistan.

What is the fastest option?

Mobile wallet delivery and cash pickup are near-instant. Bank deposit takes 1–2 business days through specialist services.

Compare MARA-registered migration agents — free