Sending money from Canada to Pakistan is straightforward when you choose the right service. This guide compares the best remittance options for 2025 so your family or contacts receive as much as possible.
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| Service | Fee ($500 CAD) | Exchange Rate | Speed |
|---|---|---|---|
| Wise | ~$3–8 CAD | Mid-market rate | 1–2 business days |
| Remitly | $0–5 CAD | Competitive | Minutes to 2 days |
| Western Union | $5–15 CAD | Below mid-market | Minutes to 1 day |
| MoneyGram | $5–12 CAD | Below mid-market | Minutes to 1 day |
| Bank Wire | $15–25 CAD | 2–3% below mid-market | 2–5 business days |
Why Wise Is Usually the Best Choice
Wise (formerly TransferWise) consistently offers the lowest all-in cost for most international transfers. It uses the real mid-market exchange rate and charges a small transparent fee — typically 0.3%–1% depending on the currency pair. You see the exact amount before you confirm. The recipient receives funds directly to their bank account.
Understanding Total Transfer Costs
Two costs matter when sending money internationally:
- Transfer fee: The explicit charge shown in CAD
- Exchange rate margin: The difference between the mid-market rate and the rate you receive. A 3% margin on $1,000 CAD = $30 hidden cost
Always compare the final amount your recipient receives in Pakistani Rupees — not just the listed fee.
Delivery Methods
- Bank deposit: Most reliable; recipient needs a local bank account
- Cash pickup: Available through Western Union and MoneyGram at agent locations
- Mobile wallet: Available in select markets
How to Send Money with Wise
- Create a free account at wise.com
- Enter amount and destination country
- Add your recipient's bank details
- Pay via Interac e-Transfer, debit, or bank transfer
- Track the transfer in real time
Top Services for Canada-Pakistan Transfers
Remitly is especially popular for CAD to PKR transfers and often offers promotional rates for first-time users. Western Union and Ria Money Transfer also have strong networks in Pakistan with cash pickup at thousands of locations.
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KOHO is perfect for newcomers: no credit check, no monthly fees, instant approval, and a free prepaid Visa card. It's the easiest way to start banking in Canada. Use code 45ET55JSYA for a bonus.
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