Remittance Calculator Pakistan 2026: Compare SAR, AED, GBP and USD to PKR
This free remittance calculator shows how many rupees your family in Pakistan will receive when you send money from Saudi Arabia, the UAE, Qatar, Oman, Kuwait, Bahrain, the UK, the US or Europe. Compare a bank, an exchange company and an app by exchange rate and fee, and see how much you save in a year if you send money every month.
Reference rates: State Bank of Pakistan, 10 November 2026 · enter today’s rate from your provider
How to Use the Remittance Calculator
- Pick the currency you earn in (for example SAR or AED) and enter the amount you will hand over, including any fee.
- Choose Every month if you send money regularly, so the remittance calculator can show your yearly total and yearly savings.
- For each option, type the exchange rate the bank, exchange company or app quotes you today (rupees for 1 unit of your currency) and its transfer fee. The boxes start with the SBP reference rate, which is not a rate any provider promises.
- The result panel shows the option that puts the most rupees in your family’s hands, and the table ranks all options.
1. What are you sending?
2. Compare up to 3 ways of sending
Rate = rupees your family gets for 1 SAR. Fee = charge in SAR, taken from the amount above.
Starting rates are references, not quotes. Option 2 starts at the open-market buying rate published by the Exchange Companies Association of Pakistan (ECAP) where available. Fees start at zero because they differ by provider, amount and payout method: enter the fee shown on your provider’s screen.
Your family receives
- Best option
- Effective rate after fee
- Best vs worst option
- Yearly total received (best)
- Yearly saving by picking the best
- Same amount at SBP reference
Comparison
| # | Option | Rate | Fee | Received (PKR) | In a year | vs SBP reference | Difference |
|---|
Ranked by rupees received for the same amount paid. “vs SBP reference” shows how far the provider’s effective rate (after the fee) is below the State Bank’s mark-to-market reference, which is the hidden cost inside the exchange rate.
Today’s Reference Rates for Remittance to Pakistan
| Currency | SBP reference (Rs) | Open market buying (Rs) | 1,000 at SBP reference |
|---|---|---|---|
| SAR – Saudi riyal | 73.70 | 73.84 | Rs 73,703 |
| AED – UAE dirham | 75.33 | 75.53 | Rs 75,329 |
| QAR – Qatari riyal | 75.90 | – | Rs 75,899 |
| OMR – Omani rial | 718.55 | – | Rs 7,18,549 |
| KWD – Kuwaiti dinar | 898.22 | – | Rs 8,98,222 |
| BHD – Bahraini dinar | 733.44 | – | Rs 7,33,437 |
| GBP – British pound | 372.15 | 371.79 | Rs 3,72,153 |
| USD – US dollar | 276.65 | 277.30 | Rs 2,76,652 |
| EUR – Euro | 310.96 | 310.58 | Rs 3,10,957 |
SBP reference = State Bank of Pakistan mark-to-market revaluation “ready” rate for 10 November 2026. Open market buying = ECAP closing buying rate for 10 November 2026, published on the SBP website for information. Neither is the rate a bank or app will give you; they help you judge whether a quote is fair.
How the Remittance Calculator Works
- Rupees received = (amount you pay − fee) × exchange rate. Example: (SAR 2,000 − SAR 10) × Rs 73.55 = Rs 1,46,365.
- Effective rate = rupees received ÷ amount you pay. It folds the fee into the rate, so you can compare a “zero fee” offer with a better-rate offer fairly.
- Yearly saving = (best option − worst option) × 12 when you send every month.
- vs SBP reference = how much lower the effective rate is than the State Bank reference, in percent. Most of the real cost of a transfer is usually here, not in the fee.
Worked Example: SAR 2,000 Sent Every Month
These rates and fees are made up for illustration, not quotes from any real provider. They show why the rate matters more than the fee.
| Option | Rate | Fee | Family receives | In a year |
|---|---|---|---|---|
| A: bank transfer | Rs 73.70 | SAR 0 | Rs 1,47,400 | Rs 17,68,800 |
| C: app with no fee | Rs 73.30 | SAR 0 | Rs 1,46,600 | Rs 17,59,200 |
| B: exchange company | Rs 73.55 | SAR 10 | Rs 1,46,365 | Rs 17,56,374 |
Option A beats option B by about Rs 1,036 a month, or Rs 12,426 a year. The “no fee” app (C) still loses Rs 800 a month to A because its rate is 40 paisa lower.
Tips Before You Send Money to Pakistan
- Use official channels only. Send through a bank, a licensed exchange company or a licensed app that pays into a Pakistani bank account or mobile wallet. The State Bank’s Pakistan Remittance Initiative (PRI) works with banks, microfinance banks and exchange companies to keep formal remittances fast and cheap, and warns against Hundi and Hawala.
- Compare the final rupee amount, not the headline rate or a “zero fee” offer.
- Check the rate on the day you send. Rates move daily; save the share link and update the rates each month.
- Keep your receipts. A formal transfer leaves a record that can help when you later buy property, open accounts or deal with tax in Pakistan.
- Complaints: PRI runs a call centre at +92-21-111-727-774 (111-SBP-PRI), 9:00 am to 5:30 pm Pakistan time, Monday to Friday.
- Thinking of saving in Pakistan? A Roshan Digital Account lets non-resident Pakistanis bank digitally; SBP says funds are fully repatriable and profit on RDA deposits is tax-exempt.
Overseas Pakistanis Money Guides
Frequently Asked Questions
How does this remittance calculator work?
Enter the amount you pay in SAR, AED, GBP or another currency, then the exchange rate and fee each provider quotes. The calculator works out (amount minus fee) times the rate for each option, ranks them, and shows the yearly difference if you send money every month.
Which is the best way to send money to Pakistan?
The best option is the one that gives your family the most rupees for the same amount after the fee. That changes by provider and by day, so compare the final PKR amount from a bank, a licensed exchange company and a licensed app, and always use an official channel.
What was the SAR to PKR rate on 10 November 2026?
The State Bank of Pakistan's mark-to-market reference was Rs 73.70 for 1 Saudi riyal, and the ECAP open-market buying rate was Rs 73.84. Providers set their own rates, so check the quote on the day you send.
Why is the rate I get lower than the SBP rate?
Banks, exchange companies and apps add a margin to the exchange rate. That margin is often a bigger cost than the fee. The calculator shows how far each quote is below the SBP reference so you can see the hidden cost.
Saudi se Pakistan paise bhejne ka sab se sasta tarika kya hai?
Jo option fee kaatne ke baad aap ke ghar walon ko sab se zyada rupay de, wohi sasta hai. Bank, exchange company aur app ka aaj ka rate aur fee is calculator mein daalein aur final rupay compare karein. Hamesha official channel istemal karein, hundi ya hawala nahin.
Har mahine paise bhejne par saal mein kitni bachat ho sakti hai?
Agar ek option dusre se sirf 25 se 40 paisa behtar rate de, to SAR 2,000 mahana par saal ka farq Rs 10,000 se zyada ho sakta hai. Calculator mein 'Every month' chunein, woh aap ki saalana bachat dikha dega.
This remittance calculator is for information only and is not financial advice. The Invest Pakistan is not a licensed investment adviser. Exchange rates and fees change daily; confirm the final amount with your provider before you send.
Sources: SBP mark-to-market revaluation exchange rates (10 Nov 2026); ECAP open market closing rates on SBP (10 Nov 2026); SBP Home Remittance and Pakistan Remittance Initiative; SBP initiatives: Roshan Digital Account. Checked 11 November 2026.