Best Ways to Send Money to Pakistan from Canada in 2025

The CAD to PKR corridor is smaller than the US or UK corridors, which means slightly fewer options. However, the major international services all operate in Canada, and competition keeps rates reasonable. Key insight: Because CAD is less commonly traded than USD or GBP, some services apply a double conversion (CAD → USD → PKR), which can cost you 1-2% extra. Always check which route your money takes.

### Wise — Best Rate (Direct CAD to PKR) **Rate:** Mid-market CAD/PKR **Fee:** CAD 3.99-7.99 **Speed:** 1-2 business days **Delivery:** Bank deposit Wise converts directly from CAD to PKR without routing through USD, saving you the double-conversion cost. This makes it consistently the best rate for Canadian senders. ### Remitly — Best for Speed **Rate:** 0.5-2 PKR below mid-market per CAD **Fee:** CAD 2.99-3.99 **Speed:** Express: minutes; Economy: 3-5 days **Delivery:** Bank deposit, cash pickup, mobile wallet Remitly offers both Express (instant) and Economy (cheaper, slower) tiers. For regular transfers, Economy saves a few dollars. ### Western Union — Most Locations **Rate:** 3-6 PKR below mid-market per CAD **Fee:** CAD 5.99-12.99 **Speed:** Minutes for cash **Delivery:** Cash pickup, bank deposit WU has the most pickup locations in Pakistan but charges a premium for the convenience. ### WorldRemit — Good for Mobile Wallets **Rate:** 1-3 PKR below mid-market per CAD **Fee:** CAD 2.99-4.99 **Speed:** 1-3 business days for bank; minutes for cash **Delivery:** Bank, cash, JazzCash, Easypaisa Good option if your recipient uses JazzCash or Easypaisa for mobile wallet delivery.

| Service | Rate (CAD→PKR) | Fee | Recipient Gets | Speed | |--------|----------------|-----|---------------|-------| | Wise | ~205 (mid-market) | CAD 3.99 | ~204,200 PKR | 1-2 days | | Remitly Express | ~203 | CAD 3.99 | ~200,900 PKR | Minutes | | WorldRemit | ~202 | CAD 2.99 | ~199,700 PKR | 1-3 days | | Western Union | ~200 | CAD 7.99 | ~192,000 PKR | Minutes | *Rates are indicative. Check our [Remittance Optimizer](/remittance) for live comparisons.*

1. **Watch for double conversion** — Some services convert CAD → USD → PKR. Ask or check the effective rate. 2. **Use Interac e-Transfer** for funding — It is free and instant with most Canadian banks. 3. **Tax-free for recipients** — Remittances to Pakistan through official channels are exempt from Pakistani tax. 4. **Consider your banking relationship** — Some Canadian banks (Scotiabank, RBC) offer preferential rates for account holders sending money internationally.

**What is the cheapest way to send money from Canada to Pakistan?** For bank-to-bank transfers, Wise typically offers the best rate because they convert directly from CAD to PKR. For speed, Remitly Express is the fastest option. **Can I send money to JazzCash from Canada?** Yes. Remitly and WorldRemit both support JazzCash and Easypaisa mobile wallet delivery from Canada. **How long does a bank transfer to Pakistan take from Canada?** 3-5 business days for a direct SWIFT transfer. Online services like Wise take 1-2 days. --- **Compare live rates:** [Remittance Optimizer →](/remittance)