PakistanPKRPakistani Rupee
Roshan Digital Account (RDA) - a special State Bank of Pakistan account for non-residents: opened at HBL, UBL or MCB with benefits for incoming transfers. Russians transfer PKR to Pakistan to diaspora and partners without restrictions - Pakistan has not imposed sanctions against Russia. IBAN does not apply in Pakistan: details are SWIFT code (HABBPKKA, UNILPKKA, MUCBPKKA) + account number.
The route, the receiving bank and the payout amount are agreed before payment.
Pakistan is one of the largest recipients of remittances: more than 8 million citizens work abroad, including in the UAE, Saudi Arabia, Qatar, USA and United Kingdom, sending home more than 25 billion USD annually. For international transfers, the recipient's IBAN, bank SWIFT/BIC and recipient's full name are typically used. Major banks are Habib Bank Limited / HBL (HABBPKKA), United Bank Limited / UBL (UNILPKKA), MCB Bank (MUCBPKKA) and National Bank of Pakistan / NBP (NBPAPKKA). Roshan Digital Account (RDA) is a State Bank of Pakistan program that allows non-residents to remotely open bank accounts in PKR or foreign currency through participating banks, including HBL, UBL and MCB; in 2026 the program was expanded to other categories of non-residents.
If the recipient has a regular bank account, the transfer is made using standard banking details. ATM24 checks the available international route and receiving bank in advance. Pakistan has not joined Western sanction packages against Russia and continues trade cooperation with Russia, including in energy and agriculture, however international transfers still go through standard AML/KYC checks by banks and correspondents. ATM24 commission from 0.9%. International transfer time is several business days and will be confirmed when you submit your request.
PKR. HBL, UBL and MCB Bank issue Visa and Mastercard. HBL is one of Pakistan's largest card issuers. Details: recipient's Visa or Mastercard number. Commission from 0.9%. Confirm route and timeframe with ATM24 manager
PKR. No IBAN - you need the bank's SWIFT code and account number. HBL, UBL and MCB accept SWIFT transfers from Russia. SWIFT code: HABBPKKA (HBL), UNILPKKA (UBL), MUCBPKKA (MCB). Account number and recipient's name. Commission from 0.9%, confirm route with manager
PKR in cash through agreed locations in Pakistan. Well-developed network of exchange offices and remittance agents in Karachi, Lahore, Islamabad. PKR pickup at agreed locations. Commission from 0.9%. Pickup locations - confirm with ATM24 manager
To transfer to Pakistan you need the bank's SWIFT code, account number and recipient's name (IBAN does not apply). EasyPaisa and JazzCash are mobile wallets for residents only. Recipient's name preferably in English (as in passport). Confirm the transfer route with ATM24 manager.
We accept RUB, USD, EUR and USDT — we pay out in PKR
RUB PKR
2.94per 1 RUB
10 000 ₽ = 29 373 PKRUSD PKR
263.34per 1 USD
100 $ = 26 334 PKREUR PKR
298.52per 1 EUR
100 € = 29 852 PKRUSDT PKR
263.34per 1 USDT
100 USDT = 26 334 PKR| You send | Payout in PKR |
|---|---|
| 100 USDT | 26 334 PKR |
| 300 USDT | 79 001 PKR |
| 500 USDT | 131 669 PKR |
| 1 000 USDT | 263 337 PKR |
| 5 000 USDT | 1 316 687 PKR |
Where recipients usually get the money in Pakistan
Type: State (largest state bank); Accepts transfers from Russia: Yes (NBPAPKKA - confirm route)
Type: Private (Pakistan's largest private bank); Accepts transfers from Russia: Yes (HABBPKKA - confirm route)
Type: Private (2nd largest); Accepts transfers from Russia: Yes (UNILPKKA - confirm route)
Type: Private (Muslim Commercial Bank); Accepts transfers from Russia: Yes (MUCBPKKA - confirm route)
Allied Bank Limited ABL — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
The national currency is the Pakistani rupee (PKR). See the current USD/PKR relationship in the page calculator.
Card systems
Visa and Mastercard are issued through 1LINK, which unites the country's banking network. RAAST is Pakistan's national instant payment system by State Bank of Pakistan. Easypaisa and JazzCash dominate the mobile wallet segment.
Payment applications
EasyPaisa and JazzCash are the country's largest mobile wallets, primarily focused on residents and domestic transfers.
Interbank transfers
State Bank of Pakistan (SBP) is the central bank and financial regulator. Pakistan uses a 24-character IBAN: PK + 2 check digits + 4 bank identifier symbols + 16 account number symbols; for international transfers, the bank's SWIFT/BIC and recipient's full name are also used.
Financial regulator
Pakistan has not joined Western sanction packages against Russia, however international transfers still go through standard AML/KYC checks.
Features for ATM24
Roshan Digital Account (RDA) is a special account type for Pakistani non-residents that can be opened remotely through participating banks, including HBL, UBL and MCB, for receiving transfers from diaspora and other banking operations.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
The guys work quickly and precisely with the most favorable rate. Tried many different exchangers, ATM24 is the best for getting services.
Read full reviewUsed the service for the first time, it was a bit scary of course to transfer money, but the girl Sofa explained everything correctly, in the end I'm in cash, with minimal effort
Read full reviewEverything is very convenient, they explained quickly. Thank you, I will use you again!
Read full reviewJust a wonderful service! I transferred cashless rubles to baht to a Thai account! Everything was fast, precise and to the point! My personal manager was Alisa! Very grateful to her for perfect work! Thank you that such professionals exist! I recommend from the bottom of my heart! You really help a lot!
Read full reviewYandex
I exchanged money through Stanislav in Dubai, just super! The best!!! Support 24/7
Read full reviewResponsive guys!🔥 We were looking for a currency exchange (rubles to baht). Manager Ekaterina helped. Literally 15 minutes and everything was ready. We withdraw cash at the ATM👍🏼 thanks, we'll come again!
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
Pakistan - Pakistani rupee (PKR), no IBAN. Below are answers to frequently asked questions about money in Pakistan.
For a transfer to Pakistan in PKR, ATM24 builds the order around the recipient's payout method on the Pakistan PKR payout route. The sender sees the route, fee from 0.9%, expected timing from 15 minutes, and final amount before payment; if details change, the calculation is updated. Bank-route examples for Pakistan: HBL, United Bank Limited, MCB Bank, National Bank of Pakistan (NBP), and Bank of Punjab (BOP).
In Pakistan, a PKR transfer may go to a bank-issued card or bank account depending on the receiving bank. ATM24 checks the Pakistan PKR payout route through a bank such as United Bank Limited or National Bank of Pakistan (NBP) and confirms whether card payout, account payout, or only one option is available. The sender pays after that route is confirmed. Bank-route examples for Pakistan: HBL, United Bank Limited, MCB Bank, National Bank of Pakistan (NBP), and Bank of Punjab (BOP).
ATM24 can check whether a PKR transfer to Pakistan may go through HBL, United Bank Limited, MCB Bank, National Bank of Pakistan (NBP), and Bank of Punjab (BOP). The receiving bank must match the recipient details and accept the selected payout route. The manager confirms the bank, account or card format, and final amount before payment.
Recipient details for Pakistan in PKR depend on the bank or payout channel named in the order. ATM24 may need the recipient name, HBL or another bank, account or card data, and payment purpose. The sender pays only after those fields are confirmed. Bank-route examples for Pakistan: HBL, United Bank Limited, MCB Bank, National Bank of Pakistan (NBP), and Bank of Punjab (BOP).
For Pakistan, a PKR payout may be fast only after the selected channel is checked. ATM24 reviews HBL, United Bank Limited, MCB Bank, National Bank of Pakistan (NBP), and Bank of Punjab (BOP) plus card or account payout options before giving timing. The manager confirms the expected time before the sender pays. Bank-route examples for Pakistan: HBL, United Bank Limited, MCB Bank, National Bank of Pakistan (NBP), and Bank of Punjab (BOP).
A PKR transfer to Pakistan through ATM24 has a fee starting from 0.9%, but the useful number is the final amount after the route is checked. ATM24 confirms the Pakistan PKR payout route, bank such as MCB Bank, exchange conditions, sender's payment method, and payout amount. Any fee charged by the sender's card issuer or bank should be checked separately. Bank-route examples for Pakistan: HBL, United Bank Limited, MCB Bank, National Bank of Pakistan (NBP), and Bank of Punjab (BOP).
Yes, ATM24 can calculate a transfer to Pakistan in PKR where the sender pays by an available payment method. The manager checks whether payout should go through Easypaisa or JazzCash, a bank-issued card, or a bank such as HBL. The Pakistan PKR payout route is confirmed separately from card-issuer fees, sending-bank costs, and USDT network costs. Bank-route examples for Pakistan: HBL, United Bank Limited, MCB Bank, National Bank of Pakistan (NBP), and Bank of Punjab (BOP).
The minimum transfer amount to Pakistan in PKR through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Pakistan PKR payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes HBL to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Pakistan: HBL, United Bank Limited, MCB Bank, National Bank of Pakistan (NBP), and Bank of Punjab (BOP).
For Pakistan, extra documents for a PKR payout depend on the route through United Bank Limited, MCB Bank, or another confirmed channel. ATM24 may ask for identification, source of funds, recipient details, and payment-purpose wording. The list is confirmed after the amount and bank route are reviewed. Bank-route examples for Pakistan: HBL, United Bank Limited, MCB Bank, National Bank of Pakistan (NBP), and Bank of Punjab (BOP).
For Pakistan, a 1000 USD transfer can produce a different PKR result depending on the receiving route: 263,337.44 PKR. The ATM24 calculation includes National Bank of Pakistan (NBP) or another confirmed bank, payout method, fee from 0.9%, and exchange conditions. The sender sees the final amount before payment. Bank-route examples for Pakistan: HBL, United Bank Limited, MCB Bank, National Bank of Pakistan (NBP), and Bank of Punjab (BOP).
Could not find an answer to your question?
Contact support
