Cheapest Way to Send Money to Pakistan from Korea 2026

Sending money home to Pakistan from Korea should not cost you ₩25,000 or more. Many Pakistani workers in Korea still use expensive bank transfers, losing thousands of won every month in unnecessary fees.

In this guide, you will learn the cheapest ways to send money to Pakistan, how to use JazzCash and Easypaisa from Korea, and which apps give you the best exchange rates in 2026.

Why Most Pakistani Workers Overpay for Remittance

Traditional bank transfers from Korea to Pakistan are expensive. Here is what banks typically charge:

Bank Transfer	Fee	Exchange Rate Markup	Total Hidden Cost
Korean Bank (Wire)	₩20,000-30,000	2-3%	₩40,000+ per ₩1,000,000
Pakistani Bank (Receiving)	PKR 500-1,000	-	Additional cost

The problem: If you send ₩1,000,000 through a Korean bank, you lose approximately ₩40,000-50,000 in fees and poor exchange rates. That is money your family never receives.

The solution: Fintech apps like Remitly, Wise, and specialized Pakistan remittance services charge only ₩3,000-8,000 and offer better exchange rates.

Best Apps to Send Money to Pakistan from Korea

1. Remitly (Best for JazzCash & Easypaisa)

Remitly is the most popular choice for sending money to Pakistan from Korea. It supports direct transfers to JazzCash and Easypaisa wallets.

Remitly Features:

Direct to JazzCash wallet
Direct to Easypaisa wallet
Bank deposit (HBL, UBL, MCB, etc.)
Cash pickup (available at 10,000+ locations)

Remitly Fees & Rates:

Send Amount	Fee	Delivery Time
₩100,000-500,000	₩3,000-5,000	Minutes (wallet)
₩500,000-1,000,000	₩5,000-8,000	Minutes (wallet)
Bank deposit	₩5,000-10,000	1-2 business days

Best for: Regular monthly transfers to mobile wallets

2. Wise (Best Exchange Rate)

Wise offers the mid-market exchange rate with transparent fees. However, it does not support JazzCash or Easypaisa directly.

Wise Features:

Best exchange rate (mid-market)
Bank transfer only
Transparent fee structure
No hidden markups

Wise Fees:

Send Amount	Fee	Exchange Rate
₩500,000	~₩4,500	Mid-market rate
₩1,000,000	~₩7,000	Mid-market rate

Best for: Large transfers to Pakistani bank accounts

3. GME Remittance (Korean App)

GME is a Korean remittance company popular among foreign workers. It supports Pakistan transfers.

GME Features:

Korean language support
E9 visa friendly
Cash pickup in Pakistan
Bank deposit available

GME Fees:

Typically ₩5,000-10,000 per transfer
Exchange rate slightly lower than Wise

Best for: Workers who prefer Korean apps and customer service

4. E9Pay

E9Pay is designed specifically for E9 visa holders in Korea. It supports Pakistan remittance.

E9Pay Features:

Designed for factory workers
Simple registration process
Cash pickup available
Competitive rates

Best for: E9 visa workers who want a simple process

How to Send Money to JazzCash from Korea

JazzCash is Pakistan's largest mobile wallet with over 40 million users. Here is how to send money to JazzCash from Korea:

Step 1: Download Remitly App

Download Remitly from App Store or Google Play
Available in English and Korean

Step 2: Create Account

Enter your Korean phone number
Upload your ARC (Alien Registration Card)
Verify your identity (takes 1-2 hours)

Step 3: Add Recipient

Enter recipient's JazzCash number (Pakistani mobile number starting with 03xx)
Enter recipient's full name (must match JazzCash account)

Step 4: Send Money

Choose amount in KRW
Select "Mobile Wallet - JazzCash"
Review exchange rate and fees
Confirm and pay

Step 5: Recipient Receives Money

Money arrives in JazzCash wallet within minutes
Recipient can cash out at any JazzCash agent
Or use directly for bills, shopping, transfers

How to Send Money to Easypaisa from Korea

Easypaisa is the second largest mobile wallet in Pakistan. The process is similar to JazzCash:

Using Remitly for Easypaisa:

Select "Mobile Wallet - Easypaisa" as delivery method
Enter recipient's Easypaisa number (Telenor number starting with 0345, 0346, etc.)
Confirm transfer

Easypaisa Benefits:

Wide agent network (100,000+ locations)
Bill payments
Mobile top-up
Bank transfers within Pakistan

Sending Money to Pakistani Banks from Korea

If your family prefers bank deposits, here are the supported banks:

Major Pakistani Banks (Supported by Most Apps):

Habib Bank Limited (HBL)
United Bank Limited (UBL)
MCB Bank
Allied Bank
Bank Alfalah
Meezan Bank
Standard Chartered Pakistan
Faysal Bank

Bank Transfer Process:

Choose "Bank Deposit" in your remittance app
Enter bank name and branch
Enter account number (IBAN preferred)
Enter recipient's full name (must match bank account)
Transfer arrives in 1-2 business days

Cost Comparison: ₩1,000,000 Transfer to Pakistan

Let's compare the actual cost of sending ₩1,000,000 to Pakistan:

Service	Fee	Exchange Rate (PKR/KRW)	PKR Received	Total Cost
Korean Bank	₩25,000	0.195 (2% markup)	190,125	₩35,000+
Remitly (JazzCash)	₩5,000	0.198	196,020	₩9,000
Wise (Bank)	₩7,000	0.199 (mid-market)	197,010	₩10,000
GME	₩8,000	0.197	195,030	₩13,000

Winner: Remitly for JazzCash/Easypaisa, Wise for bank transfers

Savings: Up to ₩25,000 per transfer compared to Korean banks

Best Time to Send Money to Pakistan

Exchange rates between KRW and PKR change daily. Here are tips to get the best rate:

Weekly Pattern:

Monday-Tuesday: Rates often stabilize after weekend
Wednesday-Thursday: Good time for large transfers
Friday: Rates may fluctuate before weekend

Monthly Pattern:

25th-5th of month: High demand (payday), rates may be slightly worse
10th-20th of month: Lower demand, potentially better rates

Rate Alert Feature:

Most apps like Remitly and Wise offer rate alerts. Set your target rate and get notified when it's available.

Documents Required for Pakistan Remittance

To send money to Pakistan from Korea, you need:

For Sender (You):

ARC (Alien Registration Card)
Valid passport
Korean phone number
Korean bank account (for some services)

For Recipient:

JazzCash/Easypaisa account OR
Pakistani bank account number (IBAN)
Full legal name
CNIC number (may be required for large transfers)

Remittance Limits for Pakistan

Daily Limits:

Service	Daily Limit
Remitly	₩5,000,000
Wise	₩10,000,000
GME	₩3,000,000
E9Pay	₩2,000,000

Annual Limits:

Most services: Up to $50,000 USD equivalent per year
Higher limits available with additional verification

Common Problems and Solutions

Problem: Transfer Delayed

Possible causes:

Incorrect recipient information
Compliance review (large amounts)
Bank holidays in Pakistan

Solution:

Double-check recipient details before sending
Contact customer support with transaction ID
Wait 24-48 hours for compliance reviews

Problem: Recipient Cannot Cash Out

Possible causes:

JazzCash/Easypaisa account not verified
Name mismatch
Agent has no cash

Solution:

Ensure recipient's wallet is verified (CNIC linked)
Use exact name as registered
Try different agent location

Problem: Poor Exchange Rate

Solution:

Compare rates across multiple apps before sending
Use rate alerts for better timing
Avoid sending on Pakistani holidays

Tax Considerations for Pakistan Remittance

In Korea:

Remittances are generally not taxed
Keep records for proof of income source
Large transfers may require documentation

In Pakistan:

Incoming remittances are tax-free under Pakistani law
Roshan Digital Account (RDA) offers additional benefits for overseas Pakistanis
No tax on family support transfers

For JazzCash/Easypaisa: Use Remitly (₩3,000-5,000 fee, minutes delivery)
For bank transfers: Use Wise (best exchange rate)
For Korean support: Use GME or E9Pay

Start comparing rates today and keep more money in your family's hands.

Last Updated: June 2026

Disclaimer: Exchange rates and fees change frequently. Always check current rates in each app before sending. This guide is for informational purposes only.

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