Sending Money from Pakistan to UK
Pakistani students studying in UK need to regularly transfer money — for tuition fees, accommodation deposits, and monthly living expenses. Here's how to do it cheaply.
Best Money Transfer Services: Pakistan to UK
1. Wise — Best Overall
Wise uses the real mid-market exchange rate with a small transparent fee.
- Exchange rate: Mid-market (no markup)
- Fee: ~0.5–1% of transfer amount
- Speed: 1–2 business days
- Best for: Regular transfers, large tuition payments
- PKR to GBP: Available corridor
2. Remitly — Best for Speed
- Speed: Express option (same day or next day)
- Fee: Varies — check at time of transfer
- Best for: Urgent transfers when deadline is close
- Note: Economy option is cheaper but slower (3–5 days)
3. Flywire — Best for Tuition Payments
- Specializes in international education payments
- Often partnered with universities in UK
- Pay in PKR, university receives GBP
- Check if your university in UK accepts Flywire
4. Western Union
- Available in most Pakistan cities
- Cash payment options if you don't have a bank account
- Higher fees than Wise/Remitly but widely accessible
5. Your Home Bank International Wire
- Usually the most expensive option (fees of PKR 500–2,000+ per transfer)
- Avoid for regular transfers — only use if other options unavailable
Fee Comparison: Sending PKR 500,000 to UK
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Send Money with Wise →
| Provider | Fee | Exchange Rate | Amount Received |
|---|---|---|---|
| Wise | ~PKR 3,000–5,000 | Mid-market | Best |
| Remitly | ~PKR 2,000–4,000 | Slightly below mid-market | Very good |
| Bank wire | ~PKR 10,000–25,000 | 2–4% below mid-market | Poor |
RBI/LRS Rules for Pakistani Students Sending Money Abroad
Check the central bank regulations in Pakistan for sending money abroad for education purposes. Most countries have specific rules for education remittances.
Step-by-Step: Paying Tuition from Pakistan to UK
- Get your university's payment details: Bank name, SWIFT code, account number, reference (student ID)
- Check if Flywire is accepted: Log into your university's payment portal
- Compare rates: Check Wise and Remitly rates on the day of transfer
- Transfer early: Send 5–7 business days before the deadline
- Keep the receipt: Save proof of transfer for records and tax purposes
- Confirm receipt: Follow up with your university to confirm payment credited
Tax on Sending Money from Pakistan to UK
Consult a tax advisor in Pakistan regarding any tax implications of sending money abroad for education.
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