#AppArrives asBehind the top
1Remitly (regular)PKR 112,105.80Most arrivesThe best fresh regular price. No visible fee, and the rate is right at the real market rate.
2InstaremPKR 111,301.56PKR 804.24No visible fee. The exchange rate takes about 0.75 percent, roughly £2.23 on £300.
3WisePKR 111,177.42PKR 928.38£2.56 visible fee and the real market rate. About 928 rupees behind Remitly, or £2.48.
4SkrillPKR 110,463.63PKR 1,642.17No visible fee. The exchange rate takes about 1.5 percent, roughly £4.47 on £300.
5Xoom (PayPal)PKR 109,552.86PKR 2,552.94No visible fee. The exchange rate takes about 2.3 percent, roughly £6.91 on £300.
6OFXPKR 107,642.20PKR 4,463.60The least money arrived. A £7 visible fee, plus about 1.7 percent in the rate, so around £12 gone in all.
7Remitly (first send only)Up to PKR 112,728Remitly's page showed a promotional rate of 375.76 rupees to the pound. It could be less. No fee, unless you pay by credit card. Only on your first transfer with Remitly.
Checked Friday morning, 31 July: £300 sent through six apps. Between the best fresh regular price and the worst named one, the gap came to 4,463.60 rupees. That is about £11.94.
This is the last Friday of July, and it is a month since Pakistan's State Bank ended the scheme that paid banks for fee-free transfers.
Here is what each one delivered.
Rates checked Friday 31 July 2026, morning UK time. Wise's number is from Wise's live rate feed at around 5am UK time, alongside its own price comparison. Remitly, Instarem, Skrill and OFX are from that same comparison, all sampled between 04:22 and 04:40 UK time this morning. Wise's own row in the comparison was sampled at 05:05 UK time. Xoom's sample is from 01:18 UK time. Remitly's promotional first-transfer rate is taken directly from the Remitly UK site this morning.
To sanity-check the exchange rate, we cross-referenced open.er-api.com, an independent source: it puts the rate at 372.65 rupees to the pound, within 0.3 percent of Wise's live rate. The rate matches.
Western Union and WorldRemit do not have a fresh sample in the comparison today. Their last sampled prices are from Tuesday 28 July, three days old, so they are not in the table this week. LemFi, Taptap Send and Sendwave do not show a price on this route in the comparison today, so they are not in the table either.
What to actually open
If you are a new Remitly customerCheck the first-transfer offer before you send.On 31 July Remitly's page showed a first-transfer rate of 375.76 rupees to the pound. At that rate, £300 delivers 112,728 rupees, up to 1,551 rupees more than Wise, about £4.15. It could be less, because two new customers can see different rates. Compare the amount on Remitly's last screen with Wise's. There is no fee on the first transfer, unless you pay by credit card: Remitly's terms said so when we read them on 5 November 2026. The offer is one send only, so use it on a send you were going to make anyway.
If you already send with Remitly or you set up a new account and get past the first sendRemitly's regular rate this morning was the best fresh regular price: 112,105.80 rupees on £300, no visible fee, right at the real market rate.
If you do not want to open a new appUse Wise.On £300 this week Wise gave 928 rupees less than Remitly's regular rate, which is about £2.48. The fee is on the screen and the exchange rate is the real market rate.
Do not open Xoom for this send unless there is no other option.There is no visible fee, but the rate takes about 2.3 percent quietly. On £300 this morning Xoom gave 2,553 rupees less than Remitly's regular rate. That is about £6.83 you lose without seeing it come off the screen.
OFX gave the least money on £300 this week.A £7 upfront fee on a £300 send is a big proportion, and there is more taken in the rate on top. If you have a bigger transfer to make, look at OFX again on that day; on a £300 send it is not the number to open.
What the numbers say about the scheme ending
Until 1 July, Pakistan's State Bank paid a bank about £4 when someone abroad sent at least 200 US dollars home through it and nobody along the way charged a fee. That stopped on 1 July.
One month in, Wise, Remitly and Instarem were delivering at or near the real market rate on £300, with either no visible fee or a small one you can see.
For what has happened since and what to watch for, see how to send money to Pakistan.
One thing the table cannot show
The table is for a bank-deposit send. Some apps can also pay into an Easypaisa or JazzCash mobile wallet, or for cash pickup. You choose inside the app when you send.
If the family has a bank account, bank deposit is the plain answer. A wallet suits a family with no bank account, or one that wants the money on the phone. The price for a wallet can differ from the table, so check the number inside the app before you send.
Next Friday: another country, another number.
Corrections
- 2026-11-11: An earlier version of this page gave Remitly's first send as 112,728 rupees on £300 and put it 622 rupees above Remitly's regular rate. 375.76 was one reading of Remitly's page, and two new customers can see different rates, so the page now says up to, and the 622 rupees is gone, because the two prices came from different places.
- 2026-11-11: An earlier version of this page said Remitly's first transfer had no fee, and did not say that this does not cover paying by credit card. Remitly's terms, read on 5 November 2026, say it does not, so the page now says so.
- 2026-11-11: An earlier version of this page, and an earlier correction on it, listed Moneygram at PKR 112,164.09 and called it the highest regular price. That sample was from the day before and sat about 0.66 percent above that day's real rate, and we cannot show it was MoneyGram's normal price rather than a new-customer offer, so the row, the advice to keep sending with Moneygram and its name in the line about the scheme are gone.
- 2026-11-11: An earlier version of this page said that with Wise the money arrives in seconds. That was one estimate in the comparison that morning; Wise's Pakistan page says it usually arrives the same day and can take up to 2 working days, so the lines are gone.
- 2026-11-05: An earlier version of this page's summary said the £11.94 gap was quietly taken in the exchange rate. £7 of it was OFX's visible fee, so the line is gone.
- 2026-11-05: An earlier version of this page said OFX's rate took about 1.75 percent. The comparison showed about 1.7 percent. The total of around £12 does not change.
- 2026-11-05: An earlier version of this page called Moneygram's price the highest number and Remitly's regular price the sharpest regular price. Remitly's first-send price was higher than Moneygram's, and Moneygram's regular price was higher than Remitly's, so they now say highest regular price and best fresh regular price.
- 2026-11-05: An earlier version of this page said the State Bank paid the bank every time someone sent 200 dollars, and that this was why Wise, Remitly and Xoom could keep the fee at zero and the rate near the market for years. The rule paid a bank only if nobody along the way charged a fee, and we have no source for which apps' transfers were claimed, so the line about the apps is gone.
- 2026-11-05: An earlier version of this page said the International Monetary Fund pushed Pakistan to end the scheme, that Pakistan wound it up quietly, and that the bank at the far end was absorbing the £4. The State Bank's own papers do not give the IMF as the reason, the State Bank published its decision, and we have no source for what each bank did, so those lines are gone.
- 2026-11-05: An earlier version of this page said the price might change by September and told you to check your app again then. That date has passed, so the lines are gone and the Pakistan guide carries what has happened since.
- 2026-11-05: An earlier version of this page called Wise the safe default and the safest, best-known option, said its plainness was worth £2.48 to a lot of senders, and called Wise, Remitly, Instarem and Moneygram the biggest names on this route. We have no source or count for these, so the lines are gone.
- 2026-11-05: An earlier version of this page said most UK apps let you choose a wallet or cash pickup, that bank deposit was the plain answer for most households with no extra step, and that cash pickup was the slowest and the fussiest. We have no source or count for these, so the lines are gone.