Send Money to Pakistan from the UAE
Pakistan receives more remittances from the UAE than from any other country. Grey gives Pakistani expats in Dubai, Abu Dhabi, and Sharjah a USD account to receive salary and send to HBL, UBL, MCB, Allied Bank, without exchange house queues or bank wire desks.
AED
PKR
-
Trusted by 3M+ people around the world
GOOGLE PLAY •22K REVIEWS
APP STORE • 12K REVIEWS
Send money to Pakistan, receive your salary in Grey, send directly to Pakistani banks
The Pakistani community in the UAE is concentrated in trades, construction, retail, and hospitality. Monthly remittances to Lahore, Karachi, Islamabad, Rawalpindi, and smaller cities are not discretionary, they are the financial lifeline for households back home. The transfer has to happen, on time, every month.
Grey removes the steps that make that harder. Your salary arrives in your Grey USD account directly from your employer. You open the app, enter your recipient's HBL or UBL account details, confirm the PKR amount, and send. It takes under two minutes once your balance is funded. The PKR lands in your recipient's account within minutes, no queues, no weekend delays, no wait for the next bank working day.
The PKR exchange rate has been volatile. What you need from a remittance service is not the best rate one day, it is consistency and transparency over time. Grey shows the USD-to-PKR rate at confirmation, that rate is the rate applied, and it does not change between when you confirm and when your recipient receives.
How to send money to Pakistan from the UAE
Sign up
Open a Grey account on your phone in under five minutes. Verify your identity with a valid passport or Emirates ID. Grey gives you a USD account with US routing and account numbers, the same way a US bank account works for receiving. Grey Inc is registered with FinCEN at 651 N Broad St, Suite 206, Middletown, DE 19709, United States.
Fund
Share your Grey USD account details with your employer or clients. Your salary or freelance income arrives directly into your Grey USD balance. You can also wire USD from another account into Grey. Once funded, you send from Grey, not from your UAE bank.
Send
Enter your recipient's bank details. Confirm the USD-to-PKR rate and fee. Send. Funds arrive within minutes.
What does it cost to send money to Pakistan from the UAE
Exchange houses across Dubai and Sharjah post their PKR rates on boards. Those rates already include their margin above the mid-market rate, typically 1.5 to 3 percent for PKR. The flat service fee is secondary. On a USD 600 transfer at a 2.5 percent margin, the invisible cost is USD 15 above what a mid-market rate would deliver.
Grey charges a transparent conversion fee and shows the USD-to-PKR rate before confirmation. The rate is close to the mid-market rate. Both the fee and the rate are displayed before you send, so you can calculate the PKR amount your family will receive before committing.
On recurring transfers, the margin difference compounds. USD 10 to USD 20 per month across 12 months is USD 120 to USD 240 annually in rate-related cost that does not appear as a visible fee on any exchange house receipt.
How the USD to PKR exchange rate works
The PKR has depreciated significantly in recent years. That volatility makes the rate you get on any given day important, but what matters more for regular senders is whether the rate shown to you is the rate applied, with no adjustment afterward.
Grey locks the rate at confirmation. The PKR amount displayed when you confirm is the amount your recipient receives. There is no "indicative rate" or "settlement rate" that differs from what you saw when you sent.
Traditional UAE bank wires to Pakistan typically use correspondent bank rates, which may differ from the interbank rate by 2 to 4 percent. That difference is rarely shown as a separate line item.
How does Grey compare to UAE exchange houses
Grey delivers to HBL, UBL, MCB, Allied Bank, Meezan Bank, and most major Pakistani banks within minutes from a funded balance. This is faster than most exchange house bank-to-bank delivery, which typically takes same-day to next business day.
For recipients in Pakistan who need funds urgently, medical expenses, a rent deadline, an emergency purchase, speed matters. Grey's within-minutes delivery from a funded balance is the fastest bank-to-bank option for this corridor.
What your recipient sees in Pakistan
Your recipient receives the transfer as a standard local credit to their bank account. They do not need a Grey account.
Bank account delivery
Grey delivers PKR directly to your recipient's Pakistan bank account. HBL, UBL, MCB, Allied Bank. Enter the account details in the Grey app.
Transfer speed
Transfers to Pakistan from a funded Grey balance arrive within minutes.
GreyTag transfers
If your recipient has a Grey account, send via GreyTag instead. GreyTag transfers are free and arrive within seconds in any currency.
How to fund your transfer
Your Grey USD account receives your UAE salary directly from your employer. You share the Grey routing and account numbers with HR once. Every salary payment goes straight into Grey. That balance is what you send from, not from your UAE bank, not from a wallet you have to top up separately.
Employer payroll
The most common funding method for UAE expats. Share your Grey USD routing and account numbers with HR. Salary lands directly in Grey. No extra steps after setup.
USD wire transfer
Wire USD from any bank account to your Grey USD account. Useful if salary arrives in another account first, or for one-time large transfers.
Existing Grey balance
If you already hold USD in Grey, send immediately without waiting for a new deposit. Keep your balance funded for faster transfers.
When your salary clears in Grey, the transfer to Pakistan can go immediately. No visit to an exchange house. No queuing at a bank wire desk. The full process, confirm the rate, enter account details, send, takes under two minutes.
Who sends money from the UAE to Pakistan
Monthly family support
Parents, siblings, spouses. A fixed monthly amount to cover rent, utilities, school fees, and groceries back in Pakistan. Grey's predictable rate and fast delivery make it reliable for this use case.
Education payments
School fees, university tuition, exam registration. Payments that are time-sensitive and must arrive in the right account. Grey delivers directly to the recipient's bank account in Pakistan. Confirm the exact details before sending.
Business and freelance
UAE-based businesses paying contractors in Pakistan. Freelancers billing UAE clients and routing payment back home. Grey's USD account handles both the receive and the send end of that flow.
Savings and investment
Converting USD earnings into PKR for property, savings accounts, or investments in Pakistan. The rate shown at confirmation is the rate applied, no rate movement risk after you send.
Remittances from the UAE to Pakistan follow a pattern: a regular monthly transfer for household expenses, occasional larger transfers for events like Eid, medical costs, or a child's school fee payment. Grey handles both without changing how you use it.
Best way to send money from the UAE to Pakistan
A global money app you can actually trust
Over 3 million people across 80+ countries use Grey to move money across borders. Your transfers are protected with bank-grade encryption, and every payout is tracked end-to-end. You'll know exactly when the money lands. If you have any questions, our support team is one tap away.
FAQs
How do I send money from the UAE to Pakistan with Grey?
Fund your Grey USD balance, enter your recipient's Pakistani bank account details, confirm the USD-to-PKR rate and fee, and send. Transfers to HBL, UBL, MCB, Allied Bank, and all major Pakistani banks typically arrive within minutes.
What is the USD to PKR exchange rate today?
The current USD-to-PKR rate is shown in the Grey app before you confirm. The rate at confirmation is the rate applied to your transfer. No adjustment occurs after you send.
How long does a transfer from the UAE to Pakistan take?
Transfers from a funded Grey balance to Pakistani bank accounts typically arrive within minutes. HBL, UBL, MCB, Allied Bank, and Meezan Bank are all supported with fast delivery.
Which Pakistani banks does Grey support?
Grey delivers to HBL, UBL, MCB Bank, Allied Bank, Meezan Bank, Bank Alfalah, Faysal Bank, and most other scheduled Pakistani banks.
Does my family in Pakistan need a Grey account?
No. The transfer arrives as a standard credit to their Pakistani bank account. No Grey account or app installation required on the recipient's end.
What is the fee for sending USD to PKR from the UAE?
The conversion fee and the exchange rate are both displayed in the Grey app before you confirm. There are no hidden charges applied after confirmation.
Is it cheaper to use Grey or Hundi to send money to Pakistan?
Informal transfer systems carry settlement risk and are not regulated. Grey is FinCEN-registered, delivers directly to bank accounts, and shows the full cost before you send. The rate Grey applies is close to the mid-market rate, typically better than exchange house rates.
Can I cancel a transfer to Pakistan after sending?
Transfers can be cancelled before they are processed. Once sent, transfers typically cannot be reversed. Contact Grey support immediately via the app if you need to cancel.
What happens if the recipient's account details are incorrect?
If the account number is invalid, the transfer will typically be returned to your Grey balance within a few business days. Always double-check account details before confirming.
How often can I send money from the UAE to Pakistan?
There is no limit on frequency. You can send as often as your balance and account limits allow. Transfer limits vary by verification level and are shown in the app.
Is Grey available in Sharjah and Abu Dhabi?
Yes. Grey is available to residents across all UAE emirates including Dubai, Abu Dhabi, Sharjah, Ajman, Ras Al Khaimah, Fujairah, and Umm Al Quwain.
Get digital banking
at your fingertips
