📈 Singapore to Pakistan Money Transfer Snapshot Today
- Best SGD to PKR exchange rate today: PKR 218.7556, offered by Regency FX
- Number of money transfer providers compared: 12
- Exchange rate range: PKR 218.7556 to PKR 204.1457
- Potential savings on SGD 1000: PKR 14,609.90
- Number of deals and promo codes: 3
- Mid-market
ⓘThe mid-market exchange rate (also called the interbank rate) is the real SGD to PKR exchange rate before providers add their margin or fees. exchange rate: 1 SGD = PKR 218.6377 (Updated about an hour ago)
See detailed Singapore to Pakistan money transfer comparison below.
Singapore to Pakistan money transfer providers that matched the search criteria
📢 Special exchange rate applied for first transfer
📢 B2B transfers only
📢 Special exchange rate applied for first transfer
📢 B2B transfers only
📢 New! Cash pickup available
If you are making international business money transfers or payments, RemitFinder can assist by matching you with the best options to suit your unique business needs. Get in touch now to see how we can help protect your business revenue by getting you higher exchange rates and lower transfer fees on international business FX.
💡What these rates mean for sending money to Pakistan from Singapore today
Compare top-rated money transfer providers to find the best way to remit money to Pakistan from Singapore. Check today's SGD to PKR exchange rates, read detailed provider reviews, and discover exclusive deals and promo codes.
RemitFinder compared 12 providers for Singapore to Pakistan money transfers today. Here is what the competition looks like right now:
Today's Most Competitive Providers to Transfer Money to Pakistan from Singapore
🥇 Regency FX with 1 SGD = 218.7556 PKR (best SGD to PKR exchange rate today).
🥈 Key Currency offering 1 SGD = 218.7556 PKR.
🥉 Currencyflow & Revolut are also providing good FX rate today.
The 12 providers compared today offer exchange rates from PKR 204.1457 to PKR 218.7556. On a SGD 1000 transfer from Singapore to Pakistan, that spread means up to PKR 14,609.90 in potential savings — simply by choosing the right provider.
Singapore Dollar to Pakistani Rupee exchange rates fluctuate throughout the day, and top-ranked providers can change quickly. Even a small difference in the rate offered can significantly impact how much PKR your recipient receives in Pakistan.
Compare the providers above to maximize every SGD you send to Pakistan. The best Singapore Dollar to Pakistani Rupee transfer rate changes daily, so comparing today matters.
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 Singapore.
👇 There is more to a great transfer than today's SGD to PKR exchange rate — 5 years of historical pricing data reveals what really drives the total cost of sending money to Pakistan from Singapore.
Whilst Singapore Dollar to Pakistani Rupee exchange rate is crucial, historical data shows that transfer fees, SGD amount sent and payment and delivery methods can also significantly influence your final payout.
Below, we analyze 5 years of Singapore to Pakistan remittance data to show you exactly where costs arise, and the best practices that maximize your PKR payout on every transfer.
Cost insights to remit money from Singapore to Pakistan (data-backed)
When you send money internationally from Singapore to Pakistan, the following 4 key factors determine how much your recipient actually receives:
- SGD to PKR exchange rate
- Transfer fee
- Payment method
- Delivery method
Ideally, optimizing all four factors together gives your recipient in Pakistan the maximum PKR payout on every transfer.
Another counter-balancing aspect is money transfer speed. If you need to transfer money from Singapore to Pakistan urgently, you may have to compromise on some of the above factors whilst optimizing for speed.
To understand what actually drives cost, we analyzed historical remittance pricing1 for SGD to PKR money transfers — comparing transfer costs, FX margins, fees, and payment and delivery methods across providers.
This analysis is based on 232 actual Singapore to Pakistan money transfers handled by 7 providers over the last 5 years (for a SGD 260 remittance benchmark).
This analysis of real Singapore Dollar to Pakistani Rupee transfer data identifies the lowest-cost payment and delivery combinations — so you keep more of every Singapore Dollar you send.
Before we deep dive, here are the key trends:
📌 Key Cost Insights: Transferring money from Singapore to Pakistan
- Average total cost: 4.07% (range -3.43% to 12.59%, spread 16.02 percentage points)
- Potential payout difference: On a SGD 260 transfer, the above variation can save you up to SGD 41.65.
- Average FX markup: 2.52% (range -3.43%
ⓘ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 11.71%, spread 15.14 percentage points) - Average transfer fee: SGD 4.01 (range SGD 0.00 to SGD 11.79)
- Cheapest payment/delivery method combo: Bank Account Transfer → Cash Pickup (1.02% avg cost); most expensive is Cash → Cash Pickup (6.64%)
- Payment/delivery method choice impact: Cheapest vs most expensive combo saves 5.62% (SGD 14.61 on SGD 260 transfer).
- Market coverage: ~7 providers on average (competition level: moderate)
- Average speed: About 12 hours
🛠️ Key takeaway: Compare providers using both exchange rate and fees, then optimize your payment and delivery methods to reduce total cost.
Below, we break down each of these factors in detail — so you know exactly where to focus when comparing providers for your next money transfer to Pakistan from Singapore.
📈 SGD to PKR Exchange Rate: The biggest factor when you send Singapore Dollar to Pakistani Rupee
The exchange rate on your Singapore to Pakistan money transfer is the single biggest factor determining your overall SGD cost — and how many Pakistani Rupee your recipient actually receives.
To analyze exchange rates, we use the exchange rate markup (also called FX margin) — the difference between the mid-market exchange rate
Here is what 5 years of historical data shows for FX markup on Singapore Dollar to Pakistan transfers:
- Average markup: 2.52%
- Median markup: 1.25%
- Lowest markup: -3.43%
ⓘ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: 11.71%
That is a spread of 15.14 percentage points between the lowest and highest observed FX markups.
To put this into perspective — on a SGD 260 transfer, that spread is PKR 39.36 in differences purely from the exchange rate. On a SGD 645 transfer, that gap grows to PKR 97.65.
🛠️ How to use this insight: When comparing providers for Singapore to Pakistan 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.
The SGD to PKR exchange rate is the single most critical factor in the cost of your transfer. When comparing providers, always check the rate first — it matters more than you might expect.
💰 Transfer Fees: What to watch when you remit money from Singapore to Pakistan
Whilst exchange rate gets most of the attention, the transfer fee can also have a big impact on how much of your Singapore Dollar actually reaches your recipient in Pakistan.
Based on 5 years of pricing data, here is what we see on Singapore Dollar to Pakistan money transfer fees:
- Average fee: SGD 4.01
- Median fee: SGD 3.00
- Lowest fee: SGD 0.00
- Highest fee: SGD 11.79
The average fee of SGD 4.01 represents 1.54% of a SGD 260 transfer, a meaningful cost on its own.
And even when two providers offer identical exchange rates, the difference between the lowest and highest fee means a payout difference of up to SGD 11.79.
🛠️ How to use this insight: For your next money transfer from Singapore to Pakistani Rupee, look for providers that offer lower (or even 0) transfer fees.
One important caveat: watch out for hidden fees. Some providers advertise zero or low fees but offset it with a lower SGD to PKR exchange rate. The money lost through an inferior FX rate is just as real as a visible fee — but since it does not show up as a line item, it is called a hidden fee.
This is why comparing total cost (fee + FX markup combined) always gives you a clearer picture instead of looking at rates or fees alone.
Finally, keep in mind that fixed fees matter more on smaller transfers. On a SGD 200 transfer, a SGD 5 fee is 2.5% of your total amount. On a SGD 2,000 transfer, that same fee is just 0.25%. If you send smaller Singapore Dollar to Pakistani Rupee transfers regularly, pay even more attention to fees.
Transfer fees can be just as costly as a poor exchange rate — always look at the total cost of your SGD to PKR transfer, not just rates or fees alone.
💸 Payment & Delivery Methods that reduce your cost to transfer money to Pakistan from Singapore
Based on our analysis of historical Singapore to Pakistan remittance data, we see consistent variation in overall cost amongst various payment method and delivery methods.
Even when Singapore Dollar to Pakistani Rupee exchange rates are similar, different combinations of payment and delivery options can lead to meaningful differences in what you pay.
💳 Average Cost by Payment Method
Here is the average cost for popular payment methods used to send money to Pakistan from Singapore:
- Bank Account Transfer: 1.20%
- Debit Card: 3.27%
- Credit Card: 4.42%
- Cash: 6.64%
That is a spread of 5.43 percentage points.
👉 On a SGD 260 transfer, this means you could save up to SGD 14.13 simply by choosing a lower-cost payment method.
These savings increase further for larger SGD transfer amounts.
📥 Average Cost by Delivery Method
Here is the average cost of popular delivery methods used to remit money from Singapore to Pakistan:
- Mobile Wallet: 1.58%
- Bank Deposit: 2.36%
- Cash Pickup: 5.20%
This is a difference of 3.62 percentage points.
👉 On a SGD 260 transfer, you could save up to SGD 9.41 by choosing Mobile Wallet instead of Cash Pickup.
Different combinations of payment methods in Singapore and delivery methods in Pakistan can lead to very different total costs when sending or remitting money.
Here is a summary of the average cost of payment and delivery method combinations for Singapore to PKR money transfers.
| Payment Method | Delivery Method | Average Cost (%) |
|---|---|---|
| Bank Account Transfer | Cash Pickup | 1.02 |
| Bank Account Transfer | Bank Deposit | 1.19 |
| Bank Account Transfer | Mobile Wallet | 1.58 |
| Credit Card | Mobile Wallet | 1.58 |
| Debit Card | Mobile Wallet | 1.58 |
| Debit Card | Bank Deposit | 2.08 |
| Credit Card | Bank Deposit | 3.59 |
| Debit Card | Cash Pickup | 4.17 |
| Credit Card | Cash Pickup | 5.15 |
| Cash | Cash Pickup | 6.64 |
Sorted by Average Cost % (cheapest to most expensive).
The difference between these SGD to PKR payment and delivery options is significant.
- Lowest cost: Bank Account Transfer → Cash Pickup (1.02%)
- Highest cost: Cash → Cash Pickup (6.64%)
- Difference: 5.62 percentage points
👉 On a SGD 260 transfer, you could save up to SGD 17.25
👉 On a SGD 645 transfer, savings increase to SGD 42.80
Here is a quick summary of the average historical cost of various payment and delivery methods for SGD to Pakistan money transfers.
💸 Cheapest Payment & Delivery Methods to send SGD to PKR transfers (data-backed)
- Cheapest payment method: Bank Account Transfer (1.20%) vs Cash (6.64%)
- Cheapest delivery method: Mobile Wallet (1.58%) vs Cash Pickup (5.20%)
- Cheapest combination: Bank Account Transfer → Cash Pickup (1.02%) vs Cash → Cash Pickup (6.64%)
🛠️ How to use this insight: As you compare money transfer providers for your next Singapore to Pakistan 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 Singapore to Pakistan remittances by carefully choosing the cheapest payment and delivery methods.
📊 Does sending more money reduce the cost to remit money from Singapore to Pakistan?
To see if transfer cost varies based on the amount sent, we compared the average cost of sending SGD 260 vs SGD 645 from Singapore to Pakistan.
We found that sending a higher amount (SGD 645) is typically cheaper — average cost drops from 4.07% to 3.62%, a reduction of 0.44 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 Singapore Dollar amounts to Pakistan, consider consolidating smaller, more frequent transfers into fewer, larger ones. Doing so may reduce the total cost you pay.
🏛 How competitive is the market for sending money to Pakistan from Singapore?
Based on data from the last 5 years, Singapore Dollar to Pakistani Rupee money transfers are provided on an average by 7 remittance companies. With this number of providers, we consider the level of market competition to be moderate.
Today, you can compare 12 providers on RemitFinder for Singapore Dollar to Pakistani Rupee transfers — more than the historical average. This gives you a wider choice of pricing options as well as payment and delivery methods.
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 Singapore to Pakistan remittances.
This is why comparing providers is especially important when you transfer money from Singapore to Pakistan.
⏱️ How fast can you transfer Singapore Dollar to Pakistani Rupee?
If your recipient in Pakistan needs funds urgently, transfer speed becomes just as important as cost when sending money.
Here is what we see for Singapore to Pakistan transfers:
- Average transfer time: About 12 hours.
- Fastest transfer time: About less than 1 hour.
- Slowest transfer time: About 144 hours (~6.0 days).
- Average speed at SGD 260: About 12 hours.
- Average speed at SGD 645: About 12 hours.
In many cases, the fastest providers are not always the cheapest, so balancing speed and cost is important when you transfer SGD to Pakistan.
🛠️ How to use this insight: If you need to send money from Singapore to Pakistan 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 Pakistan.
Transfer speed for Singapore to Pakistan money transfers can vary widely across providers. For time-sensitive transfers, compare speed alongside cost and choose faster payment and delivery methods.
Frequently Asked Questions: Sending money to Pakistan from Singapore
These FAQs use data from RemitFinder's historical analysis of Singapore to Pakistan money transfers over several years.
What factors affect the total cost of sending money from Singapore to Pakistan?
The total cost of your Singapore Dollar to Pakistani Rupee 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 transferring money to Pakistan from Singapore?
Historical Singapore Dollar to Pakistani Rupee exchange rate markup ranges from -3.43% to 11.71%, a spread of 15.14 percentage points. Even small differences in the exchange rate markup can impact your final payout significantly.
Can you get a better-than-market rate when you send Singapore Dollar to Pakistan?
Sometimes, money transfer providers may offer promotional exchange rates that are better than the mid-market exchange rate, resulting in a negative SGD to PKR remittance 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.
Exchange Rate vs Transfer Fee: What matters more when you send money to Pakistan from Singapore?
Exchange rate markup ranges from -3.43% to 11.71% (a spread of 15.14 percentage points).
Transfer fees range from SGD 0.00 to SGD 11.79, which equals roughly 4.53% on a SGD 260.00 transfer.
At both SGD 260.00 and SGD 645.00, the exchange rate markup shows larger variation than the other component.
Regardless, our recommendation is that it is important to compare both exchange rates and fees when choosing a provider for Singapore to Pakistan money transfers.
As the transfer amount increases, the % impact of fees decreases (because the fee gets spread across a larger SGD 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 PKR for your SGD.
How much can costs vary between providers when sending money from Singapore to Pakistan?
Historical transfer cost ranges from -3.43% to 12.59% for SGD transfers to Pakistan. That is a spread of 16.02 percentage points, indicating significant differences between various money transfer providers.
A major contributor to this variation is exchange rate markup. FX markup alone ranges from -3.43% to 11.71% (a spread of 15.14 percentage points). Thus, even small differences in FX margin can have a big impact on the final PKR payout.
Why do Money Transfer Providers charge different rates for Singapore Dollar to Pakistani Rupee money transfers?
If you send the same Singapore Dollar amount to Pakistan 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 PKR payout in Pakistan in a big way.
How stable are the costs to remit money to Pakistan from Singapore?
When we analyzed the historical total cost for SGD to PKR transfers, we observed a range from -3.43% to 12.59% (16.02 percentage points difference), along with a variability (standard deviation) of 3.24%.
A major driver of cost in this market is exchange rate markup. FX markup ranges from -3.43% to 11.71% (15.14 percentage points difference), with a standard deviation of 3.22%. 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 Singapore Dollar to Pakistani Rupee transfers.
Which Payment Method is the cheapest to send money from Singapore to Pakistan?
Bank Account Transfer is the cheapest payment method in Singapore based on its average cost at 1.20% (compared to Cash at 6.64%, a difference of 5.43 percentage points).
Based on this, we recommend paying for your SGD transfer with Bank Account Transfer, and avoiding Cash if possible.
Is Debit Card cheaper than Credit Card when you transfer money to Pakistan from Singapore?
Debit Card is cheaper on average when sending money to Pakistan from Singapore since it costs 3.27% (compared to 4.42% for Credit Card payments, a difference of 1.15 percentage points).
As a result, we recommend that you avoid paying for your transfer to Pakistan with a Credit Card.
Which Delivery Method is cheapest when you remit money to Pakistan from Singapore?
Mobile Wallet is the cheapest delivery method in Pakistan as it costs 1.58% (compared to Cash Pickup at 5.20%, a spread of 3.62 percentage points).
If your recipient in Pakistan can accept Mobile Wallet, we recommend choosing it as your preferred delivery option for Singapore Dollar to Pakistani Rupee transfers.
Is Bank Deposit cheaper than Cash Pickup when you send money to Pakistan from Singapore?
Bank Deposit is cheaper for Singapore Dollar transfers to Pakistan given its 2.36% average cost (versus 5.20% for Cash Pickup, a difference of 2.83 percentage points).
To save more, consider choosing the cheapest delivery option for Pakistan.
What is the cheapest way to send money from Singapore to Pakistan?
We evaluated 10 payment and delivery method combinations for Singapore to Pakistan remittances.
Based on historical data, Bank Account Transfer → Cash Pickup is the cheapest combination with 1.01% cost.
At the other end of the spectrum, Cash → Cash Pickup is the most expensive combination at 6.64% cost. That is a difference of 5.62 percentage points between the cheapest and most expensive combinations.
Money transfer providers price payment and delivery methods for Singapore to Pakistan remittances differently. As you compare options, look for the cheapest combination to maximize the value of your SGD to PKR transfers.
Does sending more money reduce the cost to transfer money to Pakistan from Singapore?
Larger Singapore Dollar to Pakistani Rupee transfers are cheaper on average.
The cost of a SGD 260 transfer averages 4.07% as compared to 3.62% for a SGD 645 transfer, a difference of 0.44 percentage points.
How long does it take to send SGD to PKR money transfers?
Based on our analysis, the average transfer time for Singapore Dollar to Pakistani Rupee transfers is 12 hours, with the fastest transfers completing in less than one hour and the slowest in 144 hours (~6.0 days).
Can you instantly transfer money from Singapore to Pakistan?
Yes, historical data shows that some transfers to Pakistan from Singapore can complete in less than one hour.
Note that the actual speed of your SGD to PKR transfer will depend on the chosen provider, payment method, delivery method, and eligibility checks.
How competitive is the market for sending money from Singapore to Pakistan?
Based on historical data, the competition level in Singapore to Pakistan is considered moderate with 7 active providers.
Can you overpay if you do not compare providers before transferring money to Pakistan from Singapore?
Historically, total SGD to PKR transfer cost has varied by 16.02 percentage points. On a SGD 260 transfer, that can translate to SGD 41.65 in savings.
Singapore Dollar to Pakistani Rupee exchange rate markup also varies across providers. The average markup spread has been about 15.14 percentage points. On a SGD 260 transfer, that could be SGD 39.36 saved from FX alone.
Fees can also make a big difference in this market, with a difference of about SGD 11.79 across providers.
That is why comparing providers can materially change how much of the SGD you send your recipient receives in Pakistan.
Latest Exchange Rates for Sending Money to Pakistan from Singapore
Here are some latest SGD to PKR (Singapore Dollar to Pakistani Rupee) exchange rates for popular conversion amounts*.
| 1 SGD | 218.64 PKR |
| 5 SGD | 1,093.19 PKR |
| 10 SGD | 2,186.38 PKR |
| 25 SGD | 5,465.94 PKR |
| 50 SGD | 10,931.89 PKR |
| 100 SGD | 21,863.77 PKR |
| 150 SGD | 32,795.66 PKR |
| 200 SGD | 43,727.54 PKR |
| 250 SGD | 54,659.42 PKR |
| 300 SGD | 65,591.31 PKR |
| 400 SGD | 87,455.08 PKR |
| 500 SGD | 109,318.85 PKR |
| 600 SGD | 131,182.62 PKR |
| 700 SGD | 153,046.39 PKR |
| 800 SGD | 174,910.16 PKR |
| 1000 SGD | 218,637.70 PKR |
| 1500 SGD | 327,956.55 PKR |
| 2000 SGD | 437,275.40 PKR |
| 2500 SGD | 546,594.25 PKR |
| 3000 SGD | 655,913.10 PKR |
| 4000 SGD | 874,550.80 PKR |
| 5000 SGD | 1,093,188.50 PKR |
| 10000 SGD | 2,186,377.00 PKR |
| 15000 SGD | 3,279,565.50 PKR |
| 20000 SGD | 4,372,754.00 PKR |
| 30000 SGD | 6,559,131.00 PKR |
| 40000 SGD | 8,745,508.00 PKR |
| 50000 SGD | 10,931,885.00 PKR |
| 100000 SGD | 21,863,770.00 PKR |
*Based on the Mid-market Exchange Rate
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1 Based on 232 pricing observations across 7 firms over the last 5 years for a SGD 260 money transfer from Singapore to Pakistan. 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 Singapore to Pakistan 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.