AED to PKR exchange rate | Send money from United Arab Emirates to Pakistan

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📈 UAE to Pakistan Money Transfer Snapshot Today

Best AED to PKR exchange rate today: PKR 76.9300, offered by Remitly
Number of money transfer providers compared: 11
Exchange rate range: PKR 73.8513 to PKR 76.9300
Potential savings on AED 1000: PKR 3,078.70
Number of deals and promo codes: 4
Mid-market^ⓘThe mid-market exchange rate (also called the interbank rate) is the real AED to PKR exchange rate before providers add their margin or fees. exchange rate: 1 AED = PKR 76.1751 (Updated about an hour ago)

See detailed UAE to Pakistan money transfer comparison below.

Money Transfer Providers that matched the search criteria

💡What today's AED-PKR exchange rates mean for you

Compare today's AED-PKR exchange rates and send money from UAE to Pakistan with confidence. View provider pricing, read detailed reviews, and discover current deals and promotional offers — all in one place.

We compared 11 providers serving this corridor today. Here is how the market looks like right now:

Today's Most Competitive UAE to Pakistan Providers

🥇 Remitly with 1 AED = 76.9300 PKR (best AED to PKR exchange rate today).

🥈 Regency FX offering 1 AED = 76.0989 PKR.

🥉 Key Currency & Currencyflow are also pricing AED-PKR competitively today.

AED-PKR exchange rates fluctuate throughout the day, and top positions can change quickly. The best provider for a AED 1000 transfer may not be the cheapest for larger amounts.

That's why comparing money transfer providers can significantly impact the final PKR received in Pakistan.

🔄 Looking for the reverse route? Send money from Pakistan to UAE 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 UAE.

👇 Look beyond today's AED-PKR exchange rate — historical pricing trends show how they can affect the overall transfer cost of your transfer.

Whilst the exchange rate matters, long-term pricing patterns show that exchange rate markup, transfer fees, and payment and delivery methods can significantly influence your final payout.

Below, we analyze UAE to Pakistan historical remittance data to help you understand where costs may arise and strategies to potentially maximize your PKR payout.

Data-driven cost insights for UAE to Pakistan money transfers

When you send money internationally from UAE to Pakistan, the key factors that will influence the overall cost of your transaction are:

AED-PKR exchange rate
Transfer fee
Payment method
Delivery method

Ideally, you would want to optimize these 4 factors to try to get the maximum PKR payout for your overseas recipient in Pakistan.

Another counter-balancing aspect is money transfer speed. If you need to rush money from UAE to Pakistan, you may have to compromise on some or all of the above factors.

To put these factors into a better perspective with a data-driven approach, we have analyzed historical remittance pricing¹ for the UAE to Pakistan corridor, comparing total transfer costs, FX margins, fees, and payment and delivery methods across providers.

This historical analysis based on actual AED-PKR transfer data could prove useful in identifying the lowest-cost funding options and payout combinations, thereby helping you reduce transfer costs and maximize the amount received.

Before we deep dive, here are the key trends from our analysis, summarized in an easy to read manner.

📌 Key insights for UAE to Pakistan money transfers

Typical total cost: 1.72% (range -0.59% to 11.76%, spread 12.35 pp)
Potential value difference: On a AED 735 transfer, that spread can save you up to AED 90.77.
FX markup (exchange rate margin): 0.42% (range -1.15% to 3.19%, spread 4.34 pp)
Average transfer fee: AED 9.57 (range AED 0.00 to AED 63.00)
Cheapest payment/delivery method combo: Bank Account Transfer → Bank Deposit (0.37% avg cost); most expensive is Credit Card → Bank Deposit (5.40%)
Method choice impact: Cheapest vs most expensive combo differs by about 5.03 percentage points.
Market coverage: ~11 active providers (competition level: competitive)
Typical speed: About 22 hours

What to do next: Compare providers using both exchange rate and fees, then optimize your payment and delivery methods to reduce total cost.

Below, we provide various useful and detailed insights for UAE to Pakistan money transfers.

📈 AED to PKR exchange rate markup can be the biggest hidden cost

The exchange rate on your UAE to Pakistan money transfers can often be the single biggest factor that will determine your overall AED cost and your recipient's PKR 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^ⓘThe mid-market exchange rate (also called the interbank rate) is the real AED to PKR exchange rate before providers add their margin or fees. exchange rate and the exchange rate you receive.

Based on 194 pricing observations across 11 providers over the last 3 years (for a AED 735 money transfer benchmark), we see the following exchange rate markup ranges for United Arab Emirates Dirham to Pakistan transfers:

Average exchange rate markup: 0.42%
Median exchange rate markup: 0.17%
Lowest observed markup: -1.15%^ⓘ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 observed markup: 3.19%

That is an FX markup spread of 4.34 percentage points between the lowest and highest observed exchange rate markups.

This spread is important because FX markup is not consistent across providers or payment methods. In other words, a "good deal" on one day or transfer amount can look very different on another.

For example, on a AED 735 transfer, the above markup range is equivalent to roughly PKR 31.90 purely from differences in the exchange rate. That incremental saving can be PKR 79.64 for a AED 1835 transfer.

How to use this insight: When comparing providers for UAE to Pakistan international remittances, always compare the exchange rate you receive (not just fees). A small difference in the FX markup can outweigh fees quickly, and the impact typically grows as transfer amounts increase.

AED to PKR exchange rate can be the single most critical cost determining factor for your transfer. When comparing providers, pay close attention to the rate you will get.

💰 Transfer fees influence your total UAE to Pakistan remittance cost

Whilst exchange rate is a major factor affecting total percentage cost, the transfer fee itself can also have a major impact on how much of your United Arab Emirates Dirham amount actually reaches your recipient in Pakistan.

Based on 194 pricing observations across 11 providers over the last 3 years (AED 735 benchmark), we notice the following fee patterns for United Arab Emirates Dirham to Pakistan money transfers:

Average transfer fee: AED 9.57
Median transfer fee: AED 0.00
Lowest observed fee: AED 0.00
Highest observed fee: AED 63.00

On a AED 735 transfer, the average fee amount of AED 9.57 represents 1.30% of the total amount sent.

Looking at the overall fee variation, even if two providers provide similar exchange rates, a worst case transfer fee can reduce the final payout by AED 63.00 on the same transfer amount.

For larger transfers, fixed fees generally become less significant as a percentage of the total amount. But for smaller transfers, fees can represent a substantial portion of total cost.

How to use this insight: For your next money transfer from UAE to Pakistani Rupee, 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 fees by providing lower exchange rates (referred to as a hidden fee), so you should also keep an eye on rates whilst paying attention to fees.

💸 Payment and delivery methods matter for AED-PKR remittances

Based on our detailed analysis of historical pricing on the UAE to Pakistan corridor, we see meaningful variation in overall cost depending on the payment method and delivery method you choose.

Based on 194 pricing observations across 11 providers over the last 3 years (AED 735 money transfer benchmark), the lowest-cost payment and delivery options consistently differ from the highest-cost ones.

For example, here is the average cost variation for popular payment methods used to send money to Pakistan from UAE:

Bank Account Transfer: 0.75%
Cash: 1.92%
Debit Card: 5.01%
Credit Card: 5.40%

That is a total spread of 4.65 percentage points.

This means that on a AED 735 AED-PKR transfer, you could save (or lose) up to AED 34.19 simply by choosing from amongst the available payment methods.

The savings will only multiply for higher AED amounts.

Similarly, here is the average cost of popular delivery methods used to send money to Pakistan:

Bank Deposit: 1.28%
Cash Pickup: 1.99%

The difference between the above delivery methods is 0.71 percentage points.

Once again, this means that you could save up to AED 5.21 on a AED 735 transfer to Pakistan by choosing Bank Deposit versus Cash Pickup.

As you can imagine, the possible combinations of UAE payment methods and Pakistan delivery methods will all have disparate cost associated with them. Let us look at that next.

Here is a summary table that shows the average cost of payment and delivery method combinations for UAE to PKR money transfers.

Payment Method	Delivery Method	Avg cost (%)
Bank Account Transfer	Bank Deposit	0.37
Cash	Cash Pickup	1.92
Bank Account Transfer	Cash Pickup	2.67
Debit Card	Bank Deposit	5.01
Credit Card	Bank Deposit	5.40

Combinations are sorted by average total cost % (cheapest to most expensive).

As you can see, the cost differential between these AED-PKR payment and delivery options is significant. To put this in further perspective:

Bank Account Transfer → Bank Deposit has the lowest average cost at 0.37%.
Credit Card → Bank Deposit has the highest average cost at 5.40%.
Bank Account Transfer → Bank Deposit average cost is 5.03 percentage points lower than Credit Card → Bank Deposit.
This means that on a AED 735 money transfer, you could save up to AED 39.70 simply by choosing the best payment and delivery method combo.
Further, on a AED 1835 money transfer, the savings increase to AED 99.12.

Here is a quick summary of the average historical cost of various payment and delivery methods for AED to Pakistan money transfers.

💸 Cheapest payment and delivery methods (data-backed)

Cheapest payment method: Cost of Bank Account Transfer averaged 0.75%, compared to 5.40% for Credit Card, a difference of 4.65 percentage points.
Cheapest delivery method: Cost of Bank Deposit averaged 1.28%, compared to 1.99% for Cash Pickup (0.71 percentage points higher).
Cheapest combo: Cost of Bank Account Transfer → Bank Deposit averaged 0.37%, which is 5.03 percentage points lower than Credit Card → Bank Deposit (5.40%).

How to use this insight: As you compare money transfer providers for your next UAE to Pakistan international money transfer, strive to pair the lowest-cost payment method with the lowest-cost delivery method.

This approach can help you avoid a common remittance pitfall of "cheap exchange rate, expensive methods" that can raise total cost even when the headline exchange rate looks attractive.

You can save money on your UAE to Pakistan remittances by carefully choosing the most economical payment and delivery methods.

🏦 Are banks more expensive than specialist providers for AED-PKR money transfers?

We compared traditional banks with specialist money transfer providers based on 3 years of pricing data for UAE to Pakistan transfers (AED 735 benchmark), and noticed some patterns.

We observed that traditional banks charge 4.37 percentage points more on average than specialist money transfer providers for the UAE to Pakistan remittance corridor.

That means banks are approximately 4.78x more expensive than money transfer companies on average.

Here are the key stats behind this comparison:

	Banks	Specialists	Difference
Average transfer fee	AED 30.24	AED 6.51	AED 23.73
Exchange rate markup	1.42%	0.27%	1.15 pp
Average total cost (%)	5.53%	1.16%	4.37 pp

How to use this insight: Whilst banks in UAE may offer convenience and brand familiarity, specialist money transfer providers often deliver lower overall cost driven by better exchange rates and lower fees. Even if you want to send money overseas with your bank in UAE, we recommend comparing with money transfer companies to find the best options.

📊 Does sending more reduce the cost of AED-PKR money transfers?

To see if transfer cost varies based on the amount sent, we compared the average costs of sending AED 735 vs AED 1835 from UAE to Pakistan.

We found that sending the higher amount (AED 1835) tends to be cheaper - average cost drops from 1.72% to 1.14%, a reduction of 0.59 percentage points.

It is possible that the cost may continue to drop for higher transfer amounts. That said, always check the latest exchange rates and fees for your transfer amount.

How to use this insight: Since it is generally cheaper to send higher United Arab Emirates Dirham amounts to Pakistan, consider consolidating smaller, more frequent transfers into fewer, larger sends as doing so may reduce the total cost you pay.

🏛 How competitive is the UAE to Pakistan remittance market?

Based on 194 pricing observations over the last 3 years (AED 735 money transfer benchmark), the AED-PKR corridor is served by 11 active providers on an average.

With 11 providers serving this market, we consider the level of competition in this corridor to be competitive.

Traditional banks represent only 27.3% of active providers in this corridor (3 out of 11), meaning specialist money transfer companies make up the majority.

A corridor with more active providers is typically more competitive, which can translate into better pricing and more payment and delivery options for your UAE to Pakistan remittances.

⏱️ How fast are AED-PKR money transfers?

Transfer speed can matter just as much as cost, especially when your recipient in Pakistan needs funds urgently.

Based on 194 historical pricing observations across 11 providers over the last 3 years (AED 735 benchmark), here is what we see for UAE to Pakistan transfers:

Typical transfer time: About 22 hours.
Fastest transfer time: About less than 1 hour.
Slowest transfer time: About 48 hours (~2.0 days).
Average speed at AED 735: About 22 hours.
Average speed at AED 1835: About 22 hours.

Banks vs money transfer providers: We observed that banks take on average 26 hours longer than specialist money transfer providers on this corridor.

How to use this insight: If you need to send money from UAE to Pakistan in a hurry, compare providers not just on exchange rate, but also on expected speed. Speed often varies by payout method (bank vs cash vs wallet) and local rails in Pakistan.

On the UAE to Pakistan corridor, delivery speed can vary across providers, so it is worth comparing transfer speed alongside total cost for time-sensitive money transfers.

Frequently Asked Questions about UAE to Pakistan money transfers

These FAQs use data from RemitFinder's historical analysis of UAE to Pakistan money transfers over several years.

What factors affect the total cost of sending money from UAE to Pakistan?

AED-PKR exchange rate markup, transfer fees, payment method and delivery method all affect total cost.

The total cost of your AED-PKR money transfer depends on how you fund the transaction (payment method), how the recipient receives it (delivery method), the exchange rate markup applied, and any transfer fee charged by the provider. You can generally avoid overpaying by comparing various providers.

How much does the exchange rate markup affect UAE to Pakistan transfers?

AED-PKR exchange rate markup can significantly affect your final payout.

Historical United Arab Emirates Dirham to PKR FX markup ranges from -1.15% to 3.19%, a spread of 4.34 percentage points. As you can see, even small differences in the exchange rate markup can easily outweigh fees.

Can AED-PKR exchange rate markup be negative?

Yes, negative markup can occur for UAE to Pakistan transfers, usually representing a promotional rate.

In some cases, providers may offer promotional exchange rates that are better than the mid-market rate, resulting in a negative AED-PKR exchange rate markup. These offers are typically limited in size, eligibility, or duration. Compare providers to see if you can take advantage of such special offers.

Is the exchange rate or the fee more important for UAE to Pakistan transfers?

Both exchange rate markup and transfer fees matter for AED-PKR transfers — their relative impact changes with transfer amount.

Exchange rate markup ranges from -1.15% to 3.19% (a spread of 4.34 percentage points). Transfer fees range from AED 0.00 to AED 63.00, which equals roughly 8.57 percentage points of a AED 735.00 transfer.

At AED 735.00, the larger driver of overall cost variation is the transfer fee, whilst at AED 1835.00, it shifts toward exchange rate markup.

But regardless, our recommendation is that it is important to compare both exchange rates and fees when choosing a provider for UAE to Pakistan transfers.

As the transfer amount increases, the % impact of fees often decreases (because the fee gets spread across a larger AED 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 markup often becomes the bigger driver. Either way, comparing both helps you get the most PKR for your AED.

How much can UAE to Pakistan transfer costs vary between providers?

Transfer costs can vary significantly depending on provider and method.

Historical transfer costs range from -0.59% to 11.76% for AED transfers to Pakistan. That is a spread of 12.35 percentage points, meaning the difference between providers can be material.

A major contributor to this variation is exchange rate markup. Markup alone ranges from -1.15% to 3.19% (a spread of 4.34 percentage points). Even small differences in FX margin, therefore, can significantly change the final PKR payout.

Why does the same AED transfer cost different amounts when sending PKR to Pakistan?

Payment method, delivery method, exchange rate markup, and fees all affect total AED-PKR cost.

Costs vary because providers apply different United Arab Emirates Dirham exchange rate markups, charge different transfer fees, and offer different payment and delivery methods. Even small differences amongst all these factors can significantly change the final payout in PKR in Pakistan.

How stable are transfer costs in the UAE to Pakistan corridor?

Money transfer costs can vary meaningfully across providers and methods in the UAE to Pakistan market.

When we analyzed the historical total cost for AED-PKR transfers, we observed a range from -0.59% to 11.76% (12.35 percentage points), along with a variability (standard deviation) of about 2.77%.

A major driver of cost in this market is exchange rate markup. Markup ranges from -1.15% to 3.19% (4.34 percentage points), with a standard deviation of about 0.76%. Fees and method choices can contribute to further volatility.

This reinforces why comparing money transfer providers and their services can matter when it comes to getting the most of your AED-PKR transfers.

Which payment method is cheapest for UAE to Pakistan remittances?

Bank Account Transfer is the cheapest payment method in UAE based on average cost.

Bank Account Transfer averages 0.75% of total cost compared to Credit Card at 5.40%, a difference of 4.65 percentage points.

Based on this, we recommend paying for your AED transfer with Bank Account Transfer, and avoiding Credit Card if possible.

Is Debit Card cheaper than Credit Card for UAE to Pakistan transfers?

Debit Card is cheaper on average when sending money to Pakistan from UAE.

For AED-PKR transfers, Debit Card funding averages 5.01% compared to 5.40% for Credit Card payments, a difference of 0.39 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 for AED-PKR money transfers?

Bank Deposit is the cheapest delivery method in Pakistan on average.

Bank Deposit averages 1.28% total cost compared to Cash Pickup at 1.99%, a spread of 0.71 percentage points.

If your recipient in Pakistan can accept Bank Deposit, we recommend choose it as your preferred delivery option for AED-PKR transfers.

Is Bank Deposit cheaper than Cash Pickup for UAE to Pakistan transfers?

Bank Deposit is cheaper on average for transfers to Pakistan.

For AED transfers to Pakistan, Bank Deposit averages 1.28% versus 1.99% for Cash Pickup, a difference of 0.71 percentage points. To save more, consider choosing the cheapest delivery option for Pakistan.

What is the cheapest way to send money from UAE to Pakistan?

For AED-PKR transfers, Bank Account Transfer → Bank Deposit has the lowest-cost combination on average.

We evaluated 5 payment and delivery method combinations in the UAE to Pakistan remittance market.

Based on historical averages, Bank Account Transfer → Bank Deposit costs about 0.37% on average. At the other end of the spectrum, Credit Card → Bank Deposit is the most expensive combination at about 5.40% on average.

The spread between the cheapest and most expensive method combinations is approximately 5.03 percentage points when sending AED to Pakistan.

Money transfer providers tend to price payment and delivery methods for UAE to Pakistan remittances differently. As you compare options, look for the cheapest payment-delivery method combo to maximize the value of your AED-PKR transfers.

Does sending more money reduce the cost for UAE to Pakistan transfers?

Larger AED-PKR transfers are cheaper as a percentage on average.

The cost of a AED 735 transfer averages 1.72% as compared to 1.14% for a AED 1835 transfer, a difference of 0.59 percentage points.

Note that transfer cost can change quickly based on the AED amount you send, so ensure to carefully compare providers.

How long does it take to send money from UAE to Pakistan?

Most AED-PKR transfers complete in about 22 hours.

Based on our analysis, the average transfer time is 22 hours, with the fastest transfers completing in less than one hour and the slowest in 48 hours (~2.0 days).

Are instant transfers available from UAE to Pakistan?

Yes, some transfers to Pakistan from UAE can complete in less than one hour.

Historical data shows that certain providers can complete transfers in under one hour.

Note that the actual speed of your AED-PKR transfer will depend on the chosen provider, payment method, delivery method, and eligibility checks.

Are banks more expensive than money transfer companies for UAE to Pakistan?

Banks in UAE are more expensive than specialist money transfer providers on average.

Banks average 5.53% total cost compared to 1.16% for specialist money transfer providers in UAE, a difference of 4.37 percentage points.

Why do banks charge more for UAE to Pakistan transfers?

Banks in UAE often apply higher exchange rate markups and charge high wire transfer fees.

In this corridor, banks average 5.53% total cost compared to 1.16% for money transfer specialists.

The difference is often due to the fact that banks in UAE charge higher exchange rate markups, and often higher wire transfer fees as well.

How competitive is the UAE to Pakistan remittance market?

On an average, there have been 11 active providers facilitating AED-PKR transfers.

Based on historical data, the competition level in UAE to Pakistan is considered competitive with 11 active providers.

Specialist money transfer providers represent about 72.7% of identified providers in UAE.

Do I risk overpaying if I do not compare providers for UAE to Pakistan?

The difference between providers servicing UAE to Pakistan can be meaningful, especially as the AED transfer amounts increase.

Historically, total AED-PKR transfer cost has varied by about 12.35 percentage points. On a AED 735 transfer, that can translate to roughly AED 90.77 in savings.

AED-PKR exchange rate markup also varies across providers. The average markup spread has been about 4.34 percentage points. On a AED 735 transfer, that is roughly AED 31.90 saved from FX alone.

Fees can also make a big difference in this market. The fee difference across providers has been about AED 63.00 traditionally.

That is why comparing providers can materially change how much of the AED you send does your recipient receive in Pakistan in Pakistan.

Latest AED to PKR Conversion Rates

Here are some latest AED to PKR (United Arab Emirates Dirham to Pakistani Rupee) exchange rates for popular conversion amounts*.

1 AED	76.18 PKR
5 AED	380.88 PKR
10 AED	761.75 PKR
25 AED	1,904.38 PKR
50 AED	3,808.76 PKR
100 AED	7,617.51 PKR
150 AED	11,426.27 PKR
200 AED	15,235.02 PKR
250 AED	19,043.78 PKR
300 AED	22,852.53 PKR
400 AED	30,470.04 PKR
500 AED	38,087.55 PKR
600 AED	45,705.06 PKR
700 AED	53,322.57 PKR
800 AED	60,940.08 PKR
1000 AED	76,175.10 PKR
1500 AED	114,262.65 PKR
2000 AED	152,350.20 PKR
2500 AED	190,437.75 PKR
3000 AED	228,525.30 PKR
4000 AED	304,700.40 PKR
5000 AED	380,875.50 PKR
10000 AED	761,751.00 PKR
15000 AED	1,142,626.50 PKR
20000 AED	1,523,502.00 PKR
30000 AED	2,285,253.00 PKR
40000 AED	3,047,004.00 PKR
50000 AED	3,808,755.00 PKR
100000 AED	7,617,510.00 PKR

*Based on the Mid-market^ⓘThe mid-market exchange rate (also called the interbank rate) is the real AED to PKR exchange rate before providers add their margin or fees. Exchange Rate. Actual payout may vary based on the chosen money transfer provider.

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¹ Based on 194 pricing observations across 11 firms over the last 3 years for a AED 735 money transfer from UAE 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 UAE 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.

Compare today's AED to PKR (United Arab Emirates Dirham to Pakistani Rupee) exchange rates