Compare today's PKR to AFN (Pakistani Rupee to Afghani) exchange rates
📈 Pakistan to Afghanistan Money Transfer Snapshot Today
- Number of money transfer providers compared: 0
- Mid-market
ⓘThe mid-market exchange rate (also called the interbank rate) is the real PKR to AFN exchange rate before providers add their margin or fees. exchange rate: 1 PKR = AFN 0.2263 (Updated about an hour ago)
💡What today's PKR-AFN exchange rates mean for you
Compare today's PKR-AFN exchange rates and send money from Pakistan to Afghanistan after comparing numerous money transfer providers. Check the latest exchange rates, read detailed provider reviews, and discover deals and promo codes — all in one place.
PKR-AFN exchange rates fluctuate throughout the day, and top positions can change quickly. This volatility can significantly impact the final AFN payout that your recipient gets in Afghanistan.
That's why we recommend comparing money transfer providers to ensure you can maximize the value of your Pakistan to Afghanistan remittances.
🔄 Looking for the reverse corridor? Send money from Afghanistan to Pakistan instead.
Looking for a different option? You can browse all sending countries on our send money from hub, or view all destinations available when sending money from Pakistan.
👇 We also suggest looking beyond today's PKR-AFN exchange rate — historical pricing trends show many factors that can affect the overall transfer cost of your transfer.
Whilst PKR-AFN exchange rate is crucial, historical data shows that transfer fees, PKR amount sent and payment and delivery methods can also significantly influence your final payout.
Below, we analyze Pakistan to Afghanistan historical remittance data to help you understand where costs may arise and share some best practices to try to maximize your AFN payout.
Data-driven cost insights for Pakistan to Afghanistan money transfers
When you send money internationally from Pakistan to Afghanistan, the key factors that will influence the overall cost of your transaction are:
- PKR-AFN exchange rate
- Transfer fee
- Payment method
- Delivery method
Ideally, you would want to optimize these 4 factors to try to get the maximum AFN payout for your overseas recipient in Afghanistan.
Another counter-balancing aspect is money transfer speed. If you need to rush money from Pakistan to Afghanistan, you may have to compromise on some of the above factors whilst optimizing for speed.
To put this into a better perspective using a data-driven approach, we analyzed historical remittance pricing1 for Pakistan to Afghanistan money transfers to compare transfer costs, FX margins, fees, and payment and delivery methods across providers.
This analysis is based on 86 actual Pakistan to Afghanistan money transfers handled by 10 providers over the last 5 years (for a PKR 21000 remittance benchmark).
This data-driven approach using real PKR-AFN transfer data provides useful insights into identifying the lowest-cost payment and delivery combinations, thereby helping you reduce costs and maximize the amount received.
Before we deep dive, here are the key trends from our analysis, summarized in an easy to read format.
📌 Key insights for Pakistan to Afghanistan money transfers
- Average total cost: 13.49% (range -4.04% to 30.48%, spread 34.52 percentage points)
- Potential payout difference: On a PKR 21000 transfer, the above variation can save you up to PKR 7,249.20.
- Average FX markup: 0.12% (range -6.90%
ⓘA negative markup generally represents a promotional exchange rate whereby a provider offers an exchange rate that is even higher than the mid-market rate, often on smaller amounts. to 7.15%, spread 14.05 percentage points) - Average transfer fee: PKR 2,795.31 (range PKR 5.00 to PKR 6,270.00)
- Cheapest payment/delivery method combo: Cash → Cash Pickup (5.15% avg cost); most expensive is Bank Account Transfer → Bank Deposit (16.01%)
- Payment/delivery method choice impact: Cheapest vs most expensive combo saves 10.87% (PKR 2,281.73 on PKR 21000 transfer).
- Market coverage: ~10 providers on average (competition level: moderate)
- Average speed: About 64 hours (~2.7 days)
🛠️ Key takeaway: Compare providers using both exchange rate and fees, then optimize your payment and delivery methods to reduce total cost.
Below, we provide detailed data-driven insights on various factors that influence the total cost of your Pakistan to Afghanistan money transfers.
📈 PKR to AFN exchange rate is often the biggest driver of both cost and payout
The exchange rate on your Pakistan to Afghanistan money transfers is usually the single biggest factor that will determine your overall PKR cost and your recipient's AFN payout.
To analyze exchange rates, we will rely on the exchange rate markup (also called FX margin) which is the difference between the mid-market exchange rate
Based on historical pricing data for a PKR 21000 money transfer benchmark, we see the following FX markup ranges for Pakistani Rupee to Afghanistan transfers:
- Average markup: 0.12%
- Median markup: 0.16%
- Lowest markup: -6.90%
ⓘA negative markup generally represents a promotional exchange rate whereby a provider offers an exchange rate that is even higher than the mid-market rate, often on smaller amounts. - Highest markup: 7.15%
That is a spread of 14.05 percentage points between the lowest and highest observed FX markups.
To put this into perspective, on a PKR 21000 transfer, the above markup range is equivalent to roughly AFN 2,950.50 purely from differences in the exchange rate. That incremental saving increases to AFN 7,355.18 for a PKR 52350 transfer.
🛠️ How to use this insight: When comparing providers for Pakistan to Afghanistan remittances, pay close attention to the exchange rate you receive. A small difference in the FX markup can quickly outweigh other factors like fees, and the gap generally grows as transfer amounts increase.
PKR to AFN exchange rate can be the single most critical factor that determines the cost of your transfer. When comparing providers, keep an eye on the rate you will get.
💰 Transfer fees affect your total Pakistan to Afghanistan remittance cost
Whilst exchange rate is a major factor affecting total transfer cost, the transfer fee can also have a big impact on how much of your Pakistani Rupee reaches your recipient in Afghanistan.
Based on data from last 5 years, we notice the below about Pakistani Rupee to Afghanistan money transfer fees:
- Average fee: PKR 2,795.31
- Median fee: PKR 2,962.40
- Lowest fee: PKR 5.00
- Highest fee: PKR 6,270.00
The average fee amount of PKR 2,795.31 noted above represents 13.31% of the total amount sent.
Also note that even if two providers provide the same exchange rate, a best vs worst case transfer fee can increase the payout by PKR 6,265.00.
🛠️ How to use this insight: For your next money transfer from Pakistan to Afghani, look for providers that provide lower (or even 0) fees.
One caveat to this, though, is something called the hidden fee. Some providers may hide their real fees by offering a 0 or low fee, but providing a lower exchange rate. The money lost due to an inferior FX rate affects your bottom line and is referred to as a hidden fee. Therefore, you should also keep an eye on rates whilst paying attention to fees.
Another point that you should keep in mind is that for larger transfers, fixed fees become a lesser percentage of total amount. But for smaller transfers, fees can be a major part of total cost.
💸 Payment and delivery methods matter for PKR-AFN remittances
Based on our detailed analysis of historical Pakistan to Afghanistan data, we see consistent variation in overall cost amongst the payment method and delivery method you choose.
Here is the average cost for popular payment methods used to send money to Afghanistan from Pakistan:
- Cash: 5.15%
- Bank Account Transfer: 16.01%
That is a total spread of 10.87 percentage points.
This means that on a PKR 21000 transfer, you could save up to PKR 2,281.73 simply by choosing the best priced payment method.
These savings will only multiply for higher PKR amounts.
Here is the average cost of popular delivery methods used to send money from Pakistan to Afghanistan:
- Cash Pickup: 5.15%
- Bank Deposit: 16.01%
The cost difference between the above delivery methods is 10.87 percentage points.
Once again, this means that you could save up to PKR 2,281.73 on a PKR 21000 transfer to Afghanistan by choosing Cash Pickup versus Bank Deposit.
As you can imagine, the possible combinations of Pakistan payment methods and Afghanistan delivery methods will all have disparate cost. Let us look at that next.
Here is a summary of the average cost of payment and delivery method combinations for Pakistan to AFN money transfers.
| Payment Method | Delivery Method | Average Cost (%) |
|---|---|---|
| Cash | Cash Pickup | 5.15 |
| Bank Account Transfer | Bank Deposit | 16.01 |
Sorted by Average Cost % (cheapest to most expensive).
As you can see, the difference between these PKR-AFN payment and delivery options is significant. Here are some observations:
- Cash → Cash Pickup has the lowest average cost at 5.15%.
- Bank Account Transfer → Bank Deposit has the highest average cost at 16.01%.
- Cash → Cash Pickup average cost is 10.87 percentage points lower than that of Bank Account Transfer → Bank Deposit.
- This means that on a PKR 21000 money transfer, you could save up to PKR 3,362.60 simply by choosing the best payment and delivery method combo.
- Further, on a PKR 52350 money transfer, the savings increase to PKR 8,382.49.
Here is a quick summary of the average historical cost of various payment and delivery methods for PKR to Afghanistan money transfers.
💸 Cheapest payment and delivery methods (data-backed)
- Cheapest payment method: Cash averaged 5.15%, compared to 16.01% for Bank Account Transfer, a difference of 10.87 percentage points.
- Cheapest delivery method: Cash Pickup averaged 5.15%, compared to 16.01% for Bank Deposit (10.87 percentage points higher).
- Cheapest combo: Cash → Cash Pickup averaged 5.15%, which is 10.87 percentage points lower than Bank Account Transfer → Bank Deposit (16.01%).
🛠️ How to use this insight: As you compare money transfer providers for your next Pakistan to Afghanistan international money transfer, strive to pair the lowest-cost payment method with the lowest-cost delivery method.
This can help you avoid the pitfall of "great exchange rate, expensive methods".
You can save money on your Pakistan to Afghanistan remittances by carefully choosing the most economical payment and delivery methods.
🏦 Are banks more expensive than money transfer providers for PKR-AFN remittances?
When we compared Pakistan banks with money transfer providers based on 5 years of remittance data, we noticed some patterns.
We observed that traditional banks charged 9.73 percentage points more on average than money transfer providers for Pakistan to Afghanistan remittances.
This means banks tend to be approximately 2.59x more expensive than money transfer companies.
Here are the key stats behind this comparison:
| Banks | MTOs^ | Difference | |
|---|---|---|---|
| Average transfer fee | PKR 3,272.79 | PKR 1,317.40 | PKR 1,955.39 |
| Exchange rate markup | 0.20% | -0.14% | 0.34 pp* |
| Average total cost (%) | 15.86% | 6.13% | 9.73 pp* |
^MTO: Money transfer operator, a commonly used term for a money transfer provider
*Percentage points
🛠️ How to use this insight: Whilst banks in Pakistan may offer convenience and familiarity, money transfer providers often deliver lower overall cost due to their better exchange rates and lower fees. Even if you want to send money overseas with your bank in Pakistan, we recommend comparing with money transfer companies to find your best options.
📊 Does sending more money reduce the cost of PKR-AFN money transfers?
To see if transfer cost varies based on the amount sent, we compared the average cost of sending PKR 21000 vs PKR 52350 from Pakistan to Afghanistan.
We found that sending a higher amount (PKR 52350) tends to be cheaper - average cost drops from 13.49% to 5.78%, a reduction of 7.70 percentage points.
The cost of your transfer usually continues to drop as transfer amount increases. That said, always check the latest exchange rates and fees for your intended transfer amount.
🛠️ How to use this insight: Since it is generally cheaper to send higher Pakistani Rupee amounts to Afghanistan, consider consolidating smaller, more frequent transfers into fewer, larger ones. Doing so may reduce the total cost you pay.
🏛 How competitive is the Pakistan to Afghanistan remittance market?
Based on data from the last 5 years, PKR-AFN money transfers are provided on an average by 10 remittance companies. With around 10 providers serving this market, we consider the level of competition to be moderate.
Traditional banks have represented 70% of active providers in this corridor (7 out of 10), suggesting a bank-heavy market structure.
A remittance market with more active providers is typically more competitive. This means you can get a better pricing and more payment and delivery options for your Pakistan to Afghanistan remittances.
⏱️ How fast are PKR-AFN money transfers?
If your recipient in Afghanistan needs funds urgently, you may need to optimize your transfer for speed.
Here is what we see for Pakistan to Afghanistan transfers when it comes to processing time:
- Average transfer time: About 64 hours (~2.7 days).
- Fastest transfer time: About less than 1 hour.
- Slowest transfer time: About 96 hours (~4.0 days).
- Average speed at PKR 21000: About 64 hours (~2.7 days).
- Average speed at PKR 52350: About 64 hours (~2.7 days).
Banks vs money transfer providers speed comparison: Banks take 66 hours longer on average than money transfer providers.
🛠️ How to use this insight: If you need to send money from Pakistan to Afghanistan in a hurry, compare providers not just on exchange rate, but also on expected speed. Speed also varies based on the delivery method (bank vs cash vs wallet) you choose for Afghanistan.
Pakistan to Afghanistan transfer speed varies across providers, so compare transfer speed along with cost for time-sensitive money transfers. In addition, pick the fastest payment and delivery methods for faster processing.
Frequently Asked Questions about Pakistan to Afghanistan money transfers
These FAQs use data from RemitFinder's historical analysis of Pakistan to Afghanistan money transfers over several years.
What factors affect the total cost of sending money from Pakistan to Afghanistan?
The total cost of your PKR-AFN money transfer depends on how you fund the transaction (payment method), how the recipient receives it (delivery method), the exchange rate you get, and any transfer fee charged by the provider.
To avoid overpaying for your transfer, compare money transfer providers.
How much does the exchange rate affect Pakistan to Afghanistan transfers?
Historical PKR to AFN exchange rate markup ranges from -6.90% to 7.15%, a spread of 14.05 percentage points. Even small differences in the exchange rate markup can impact your final payout significantly.
Can PKR-AFN exchange rate markup be negative?
Sometimes, money transfer providers may offer promotional exchange rates that are better than the mid-market exchange rate, resulting in a negative PKR-AFN exchange rate markup.
Such offers are generally limited by transfer amount, eligibility, or duration. Compare providers to see if you can take advantage of any ongoing special offers.
Is the exchange rate or the transfer fee more important for Pakistan to Afghanistan transfers?
Exchange rate markup ranges from -6.90% to 7.15% (a spread of 14.05 percentage points).
Transfer fees range from PKR 5.00 to PKR 6270.00, which equals roughly 29.83% on a PKR 21000.00 transfer.
At PKR 21000.00, the larger driver of overall cost is the transfer fee, whilst at PKR 52350.00, it shifts toward exchange rate markup.
Regardless, our recommendation is that it is important to compare both exchange rates and fees when choosing a provider for Pakistan to Afghanistan transfers.
As the transfer amount increases, the % impact of fees decreases (because the fee gets spread across a larger PKR amount), whilst exchange rate markup remains a percentage-based cost that can scale with transfer size.
For smaller transfers, fees can matter more, whilst for larger transfers, exchange rate often becomes the bigger driver. Either way, comparing both helps you get the most AFN for your PKR.
How much can Pakistan to Afghanistan transfer costs vary between providers?
Historical transfer cost ranges from -4.04% to 30.48% for PKR transfers to Afghanistan. That is a spread of 34.52 percentage points, meaning significant differences between various money transfer providers.
A major contributor to this variation is exchange rate markup. FX markup alone ranges from -6.90% to 7.15% (a spread of 14.05 percentage points). Thus, even small differences in FX margin can have a big impact on the final AFN payout.
Why do various money transfer providers price PKR to Afghanistan transfers differently?
If you send the same Pakistani Rupee amount to Afghanistan via different providers, the cost of each transfer will be different because of variations in FX markup, fees, and payment and delivery methods.
Even small differences among all the above factors can change the final AFN payout in Afghanistan in a big way.
How stable are transfer costs in the Pakistan to Afghanistan corridor?
When we analyzed the historical total cost for PKR-AFN transfers, we observed a range from -4.04% to 30.48% (34.52 percentage points difference), along with a variability (standard deviation) of 7.73%.
A major driver of cost in this market is exchange rate markup. FX markup ranges from -6.90% to 7.15% (14.05 percentage points difference), with a standard deviation of 1.82%. Fees and payment/delivery method choices can contribute to further volatility.
This is exactly why we recommend comparing money transfer providers to get the most of your PKR-AFN transfers.
Which payment method is cheapest for Pakistan to Afghanistan remittances?
Cash is the cheapest payment method in Pakistan based on its average cost at 5.15% (compared to Bank Account Transfer at 16.01%, a difference of 10.87 percentage points).
Based on this, we recommend paying for your PKR transfer with Cash, and avoiding Bank Account Transfer if possible.
Which delivery method is cheapest for PKR-AFN money transfers?
Cash Pickup is the cheapest delivery method in Afghanistan as it costs 5.15% (compared to Bank Deposit at 16.01%, a spread of 10.87 percentage points).
If your recipient in Afghanistan can accept Cash Pickup, we recommend choosing it as your preferred delivery option for PKR-AFN transfers.
Is Bank Deposit cheaper than Cash Pickup for Pakistan to Afghanistan transfers?
Cash Pickup is cheaper for transfers to Afghanistan given its 16.01% average cost (versus 5.15% for Cash Pickup, a difference of 10.87 percentage points).
To save more, consider choosing the cheapest delivery option for Afghanistan.
What is the cheapest way to send money from Pakistan to Afghanistan?
We evaluated 2 payment and delivery method combinations for Pakistan to Afghanistan remittances.
Based on historical data, Cash → Cash Pickup is the cheapest combination with 5.15% cost.
At the other end of the spectrum, Bank Account Transfer → Bank Deposit is the most expensive combination at 16.01% cost. That is a difference of 10.87 percentage points between the cheapest and most expensive combinations.
Money transfer providers tend to price payment and delivery methods for Pakistan to Afghanistan remittances differently. As you compare options, look for the cheapest payment-delivery method combo to maximize the value of your PKR-AFN transfers.
Does sending more money reduce the cost for Pakistan to Afghanistan transfers?
Larger PKR-AFN transfers are cheaper on average.
The cost of a PKR 21000 transfer averages 13.49% as compared to 5.78% for a PKR 52350 transfer, a difference of 7.70 percentage points.
How long does it take to send money from Pakistan to Afghanistan?
Based on our analysis, the average transfer time for PKR-AFN transfers is 64 hours (~2.7 days), with the fastest transfers completing in less than one hour and the slowest in 96 hours (~4.0 days).
Are instant transfers available from Pakistan to Afghanistan?
Yes, historical data shows that some transfers to Afghanistan from Pakistan can complete in less than one hour.
Note that the actual speed of your PKR-AFN transfer will depend on the chosen provider, payment method, delivery method, and eligibility checks.
Are banks more expensive than money transfer companies for Pakistan to Afghanistan?
Banks in Pakistan are more expensive than money transfer providers.
The average cost of banks is 15.86% compared to 6.13% for money transfer providers in Pakistan, a difference of 9.73 percentage points.
Why do banks charge more for Pakistan to Afghanistan transfers?
Bank transfers in Pakistan cost 15.86% compared to 6.13% for money transfer companies.
The difference is often due to the fact that banks in Pakistan provider lower exchange rates and charge high wire transfer fees.
How competitive is the Pakistan to Afghanistan remittance market?
Based on historical data, the competition level in Pakistan to Afghanistan is considered moderate with 10 active providers.
Money transfer providers represent about 30% of identified providers in Pakistan.
Do I risk overpaying if I do not compare providers for Pakistan to Afghanistan?
Historically, total PKR-AFN transfer cost has varied by 34.52 percentage points. On a PKR 21000 transfer, that can translate to PKR 7249.20 in savings.
PKR-AFN exchange rate markup also varies across providers. The average markup spread has been about 14.05 percentage points. On a PKR 21000 transfer, that could be PKR 2950.50 saved from FX alone.
Fees can also make a big difference in this market, with a difference of about PKR 6265.00 across providers.
That is why comparing providers can materially change how much of the PKR you send does your recipient receive in Afghanistan in Afghanistan.
Latest PKR to AFN Conversion Rates
Here are some latest PKR to AFN (Pakistani Rupee to Afghani) exchange rates for popular conversion amounts*.
| 1 PKR | 0.23 AFN |
| 5 PKR | 1.13 AFN |
| 10 PKR | 2.26 AFN |
| 25 PKR | 5.66 AFN |
| 50 PKR | 11.32 AFN |
| 100 PKR | 22.63 AFN |
| 150 PKR | 33.95 AFN |
| 200 PKR | 45.26 AFN |
| 250 PKR | 56.58 AFN |
| 300 PKR | 67.89 AFN |
| 400 PKR | 90.52 AFN |
| 500 PKR | 113.15 AFN |
| 600 PKR | 135.78 AFN |
| 700 PKR | 158.41 AFN |
| 800 PKR | 181.04 AFN |
| 1000 PKR | 226.30 AFN |
| 1500 PKR | 339.45 AFN |
| 2000 PKR | 452.60 AFN |
| 2500 PKR | 565.75 AFN |
| 3000 PKR | 678.90 AFN |
| 4000 PKR | 905.20 AFN |
| 5000 PKR | 1,131.50 AFN |
| 10000 PKR | 2,263.00 AFN |
| 15000 PKR | 3,394.50 AFN |
| 20000 PKR | 4,526.00 AFN |
| 30000 PKR | 6,789.00 AFN |
| 40000 PKR | 9,052.00 AFN |
| 50000 PKR | 11,315.00 AFN |
| 100000 PKR | 22,630.00 AFN |
*Based on the Mid-market Exchange Rate
1 Based on 86 pricing observations across 10 firms over the last 5 years for a PKR 21000 money transfer from Pakistan to Afghanistan. Data Source: The World Bank, Remittance Prices Worldwide, available at http://remittanceprices.worldbank.org.
How we analyze remittance data?
Insights are derived from the World Bank's Remittance Prices Worldwide dataset, which collects standardized provider pricing information at defined transfer amounts.
We aggregate this data across multiple providers and multi-year periods to calculate averages, medians, and variability measures in order to identify consistent pricing patterns for the Pakistan to Afghanistan remittance corridor.
RemitFinder does not modify the underlying World Bank data. The analysis presented here is independently calculated from published datasets and is intended for informational and comparison purposes only.