Short answer: If the person in Pakistan has a personal bank account, ask for their full name and 24-character IBAN (it starts with PK) and send a GBP to PKR bank transfer. If they only use JazzCash or Easypaisa, pick a provider that lists wallet delivery. With no account, use cash pickup: they collect with photo ID such as a CNIC.
Bank account, JazzCash, Easypaisa or cash: which route fits?
The right service depends on where the money should land. Before comparing providers, ask the person in Pakistan one question: bank account, JazzCash, Easypaisa or cash?
| The person in Pakistan has | Ask them for | Service type that handles it | Watch out for |
|---|---|---|---|
| A personal bank account in rupees | Full name exactly as on the account; 24-character IBAN starting with PK | Bank-to-bank transfer service, or a remittance company with bank deposit | Wise cannot pay business accounts; Meezan Bank Express and Allied Bank Express accounts cannot receive Wise transfers; Asaan accounts with a 500,000 PKR limit may reject them |
| A JazzCash wallet | Full name as registered on the wallet; wallet (mobile) number; city | Remittance company that lists JazzCash wallet delivery | Wallet must be fully registered and active; providers cap wallet transfers |
| An Easypaisa wallet | Same as JazzCash | Remittance company that lists Easypaisa wallet delivery | Same as JazzCash |
| No account, cash only | Full name exactly as on their photo ID; which ID they will bring (CNIC, passport or Pakistani driving licence) | Cash pickup service | Name must match the ID; share the transfer reference only with the recipient |
Bank account.WiseAd (affiliate link) converts pounds to rupees and pays personal PKR bank accounts in Pakistan from its local bank account there. Its PKR guide asks for the recipient’s full name and IBAN and says the money usually arrives the same day once converted, while conversion itself can take up to 2 working days.
JazzCash or Easypaisa. The Wise help pages for PKR describe bank accounts only and do not mention wallets. For money that has to land in a wallet, use a provider that lists it. On 27 October 2026, the Remitly UK page for Pakistan offered cash pickup, bank deposit and mobile wallet, naming Easypaisa and JazzCash among its providers, and WorldRemit listed “Easypaisa and JazzCash mobile money accounts”. WorldRemit caps wallet transfers at PKR 50,000 per transfer and PKR 80,000 per 30 days, so larger sums are better sent to a bank account.
Cash only. WorldRemit lists cash pickup at banks including Allied Bank, Bank Al Habib, MCB, National Bank of Pakistan and The Bank of Punjab. Western Union also offers cash pickup in Pakistan; the receiver needs the Money Transfer Control Number (MTCN) to collect. For ACE Money Transfer or a UK bank, check delivery options on their own sites.
What are the details you need from the person in Pakistan?
A single wrong detail is enough to stop a transfer. Ask for these in writing, copied from the banking app, a statement or the wallet app.
- Full name, spelled exactly as the bank, wallet or ID shows it. Names written in English can be spelled several ways. WorldRemit, for example, asks that the name match the one registered on the mobile account.
- IBAN for a bank account. Pakistani IBANs are 24 characters long, contain letters and numbers, and start with PK. The State Bank of Pakistan made IBAN the national standard in 2012 and asked banks to quote it on account statements.
- Account type. Ask whether it is a personal account and whether it is an Express or Asaan account (see the next section).
- Wallet number for JazzCash or Easypaisa. This is the mobile number the wallet is registered to. WorldRemit asks for 10 digits without the country code; other providers may use another format.
- Contact details. WorldRemit always asks for the receiver’s full name, mobile number and email address; Remitly asks for the recipient’s contact details.
- For cash pickup, the ID they will bring. WorldRemit accepts a passport, a Pakistani driving licence or a CNIC at its partner banks.
A message to send to the person in Pakistan:
Please send: (1) your full name exactly as on your bank account, wallet or CNIC; (2) your IBAN (24 characters, starts with PK) or your JazzCash or Easypaisa number; (3) whether it is a personal, Express or Asaan account; (4) your city and phone number.
Why do transfers get returned or delayed?
- Name mismatch. A name that does not match the account, the wallet or the photo ID can stop the payment or the cash collection.
- Wrong IBAN. In 2012 the State Bank of Pakistan noted that a significant share of remittances were rejected because of inaccurate account numbers. IBAN check digits let the sending side catch typos at entry, so paste the IBAN instead of retyping it.
- An account that cannot take the payment. According to Wise, Meezan Bank Express and Allied Bank Express accounts do not allow incoming interbank credits, and transfers to Asaan accounts are rejected when the account limit is 500,000 PKR. Such payments are rejected at once or held at the recipient’s bank until the funds are claimed back.
- Wallet problems. A wallet that is not fully registered and active, or a transfer above the provider’s wallet cap, will not go through.
- Conversion time. With Wise, conversion can take up to 2 working days before the payout.
Can Wise send money to JazzCash or Easypaisa?
The Wise help pages do not describe it. As of 27 October 2026, the Wise PKR guide covers personal bank accounts identified by IBAN and says nothing about JazzCash or Easypaisa. If the person has only a wallet, use a provider that lists wallet delivery. If they also have a bank account, a bank transfer with WiseAd (affiliate link) is not bound by the wallet caps above; the Wise limit is 35,000,000 PKR per transfer.
Does sending to a bank account bring any reward in Pakistan?
Possibly. On 25 September 2026 the State Bank of Pakistan announced the Pasban Remittance Reward Scheme, launched by the banking industry under the Pakistan Banks Association. Under the scheme announced on 25 September 2026, a recipient who receives home remittances worth USD 100 or more each month, for three consecutive months within a quarter, into a bank account can take part in quarterly prize draws. Participation is free, 15% of the prizes are allocated to remittances from the UK, and the first draw is scheduled for 15 January 2027, covering October to December 2026.
The announcement speaks of a bank account, not wallets, and does not say which providers’ transfers qualify. The recipient should ask their bank whether incoming transfers from your provider are recorded as home remittances.
Separately, the Pakistan Remittance Initiative (PRI) works with the State Bank of Pakistan on outreach that steers overseas workers towards formal channels and highlights the risks of informal ones.
How do you send money from the UK to Pakistan, step by step?
- Ask where the money should land: bank account, JazzCash, Easypaisa or cash.
- Collect the details from the list above, in writing.
- Pick the service type from the table.
- Before paying, compare what each provider shows on the day: the total cost and the amount in rupees the recipient will get.
- For a first transfer to a new account or wallet, consider sending a smaller amount first and confirming it arrived.
- Share the reference only with the recipient. For cash pickup, the reference (the WorldRemit 11-digit code starting with PAK, or the Western Union MTCN) is what they need to collect.
What if the person in Pakistan also earns online?
If the person you send to also gets paid by clients abroad, these guides cover the receiving side: withdrawing Payoneer to JazzCash, Easypaisa or a bank, Payoneer vs Wise in Pakistan and Payoneer to Easypaisa, step by step.
Earn From Pakistan Editorial. Sources checked on 27 October 2026: Wise help centre; Remitly, WorldRemit and Western Union pages for Pakistan; State Bank of Pakistan documents. Limits change, so confirm them in the provider’s app before sending.