Send money from Japan to Pakistan: providers, fees and rates compared

To send money from Japan to Pakistan, use a registered money transfer company (資金移動業者) from its app or website. On our sample of ¥100,000 sent on October 20, 2026, Remitly gave the most to a Pakistani bank account: PKR 175,430 with no fee. Western Union, SBI Remit and Wise gave PKR 172,592 to 173,354. Japan Post Bank charges ¥3,000 before its exchange rate. You need your residence card (在留カード) and My Number (個人番号), as of October 2026.

How much does ¥100,000 to Pakistan cost?

We priced ¥100,000 paid in total by bank transfer, using quotes captured between 02:31 and 02:38 JST on October 20, 2026. Where a provider adds the fee on top, we took it out of the ¥100,000 first. Wise’s mid-market rate at that moment was 1 JPY = 1.74671 PKR. Rates change every day.

Remitly’s rate was slightly above the mid-market rate we recorded minutes earlier, so its total cost on this sample was below zero. Its figure is the regular price for a returning customer. New customers get a promotional rate and no fee on their first ¥100,000.

Western Union’s calculator returned two prices for bank and mobile wallet payouts, ¥0 and ¥800, without saying which applies when. We use the ¥800 price in our scores.

Cash pickup costs more. SBI Remit’s cash rate was 1.7391 PKR, so ¥100,000 gave PKR 172,168. Western Union’s cash pickup fee was ¥1,480 at 1.7318 PKR, so ¥100,000 gave PKR 170,616.

Fee only, rate not captured

KYODAI and Brastel have the lowest published fees, but their exchange rate decides the real cost. Check the amount in rupees in their app before you pay.

Which provider is best for Pakistan?

We score each provider with a full price on the sample, using our remittance method: total cost (30%), speed (15%), payout options (15%), sign-up for foreigners (15%), support (10%) and regulation (15%). “n/a” means no evidence, and it’s left out of the average.

• Remitly: most rupees on our sample, with bank, cash pickup, Easypaisa and JazzCash; no published delivery times.
• Western Union: bank, mobile money and cash pickup; the ¥800 fee and an unclear ¥0 option.
• Wise: mid-market rate and fast, but bank accounts only and a ¥1,190 fee.
• SBI Remit: bank or MoneyGram cash pickup; bank transfers take 10 minutes to 3 business days.

All four are registered with the FSA: Remitly Japan (Kanto 00077), Western Union Japan (Kanto 00039), Wise Payments Japan (Kanto 00040) and SBI Remit (Kanto 00008).

Best for:

• Most rupees to a bank account: Remitly.
• JazzCash or Easypaisa: Remitly; Brastel for JazzCash at a ¥380 fee.
• Cash pickup with no bank account: SBI Remit (MoneyGram) or Western Union.

How does the money arrive in Pakistan?

• Bank account: every provider here. SBI Remit pays to all banks in Pakistan, in 10 minutes to 3 business days. Brastel says 1 to 3 business days.
• Mobile wallet: Remitly lists Easypaisa and JazzCash. Brastel’s JazzCash payout is immediate, up to PKR 50,000 per transfer. Western Union offers mobile money.
• Cash pickup: SBI Remit through MoneyGram, usually about 10 minutes but sometimes up to two days. Brastel says 15 minutes to 3 hours. Western Union and KYODAI also offer it.

For a bank deposit, give the provider the recipient’s bank name, account number and full name exactly as the bank holds them. SBI Remit may also phone the recipient, so add their phone number.

Are remittances to Pakistan free?

On the Pakistani side, the State Bank of Pakistan (SBP) ended its fee reimbursement scheme for banks, the Telegraphic Transfer Charges Incentive Scheme, on July 1, 2026. It told banks to keep qualifying home remittances free for both senders and recipients, according to The News. Since a 2025 revision, a transfer must be at least $200 to qualify. ¥100,000 is about $626 at SBI Remit’s published dollar rate that day.

That rule is about Pakistani banks. Your Japanese provider still sets its own fee. KYODAI marks its ¥0 fee above ¥30,000 as a “PRI program” price, and Remitly showed ¥0 on our sample.

How do I send money to Pakistan step by step?

Can I pay in cash without a bank transfer?

Yes, with some providers. This helps if you’re new in Japan and your bank account isn’t ready yet.

• SBI Remit at FamilyMart: pay cash at the Multi Copier with a 17-digit order number, up to ¥100,000 per deposit, 07:00 to 21:00. The deposit fee is ¥800 for ¥50,000 to ¥100,000, on top of the remittance fee.
• SBI Remit’s Remit Card: deposit at Japan Post ATMs for ¥330 up to ¥50,000 and ¥500 above, or at Lawson Bank ATMs for ¥300.
• Brastel’s free card: deposit at Japan Post Bank ATMs for ¥440 (¥1,000 to ¥110,000).
• Seven Bank ATMs: since May 2026, KYODAI customers can deposit cash at Seven Bank ATMs with a card or the スマホATM smartphone service.
• Western Union: accepts cash at convenience stores (コンビニ払い).

Remitly doesn’t accept cash at ATMs or credit cards from Japan. Wise is cheapest when you pay by bank transfer; a debit card raised its fee on our sample to about ¥3,700 to ¥4,900.

What do I need to sign up in Japan?

• Residence card (在留カード). Wise, SBI Remit, Western Union, Remitly and Brastel accept it as ID for foreign residents.
• My Number. The overseas transfer reporting law requires it for every transfer abroad, from banks and money transfer companies alike. Wise takes a My Number card, a residence record (住民票) showing your number issued in the last 6 months, or a notification slip with current details.
• A Japanese bank account to pay by transfer, unless you use one of the cash options above.

Your name, date of birth and address must match your ID. Each transfer through a Type 2 provider is capped at ¥1,000,000 by law, and transfers over ¥1,000,000 are reported to the tax office. Our send money from Japan guide explains the limits and the cash options.

More guides: send money from Japan to India, send money from Japan to Nepal and opening a bank account in Japan.