RAKBANK’s Service & Price Guide lists PKR transfers to Pakistan through RAKMoneyTransfer, at a branch or through digital banking, at Nil for account transfers and cash pickup of any amount, and its Asia fee sheet lists Pakistan wallet transfers at 0. RAKBANK does not publish its Pakistan partner banks, a Pakistan-specific delivery time or Pakistan transfer limits, so check those in the app or with the bank before you send.
A Nil fee is not the whole cost: the exchange rate decides how many rupees arrive, so compare the PKR amount on our AED to PKR page. For other countries, RAKMoneyTransfer fees vary by destination and amount, and a standard SWIFT transfer costs AED 31.5 through digital banking or AED 78.75 at a branch for Personal Banking and Select customers (Nil for Elite), plus beneficiary bank charges.
RAK money transfer to Pakistan: the published fees
| Pakistan payout | Fee | Where RAKBANK publishes it |
|---|---|---|
| Account transfer (any amount, branch or digital banking) | Nil | Service & Price Guide, PPS-00827/V012026 |
| Cash pickup (any amount, branch or digital banking) | Nil | Service & Price Guide, PPS-00827/V012026 |
| Wallet (any amount) | 0 | Asia transfer-fee sheet, with effect from 15-10-2023 |
RAKBANK’s money-transfer page markets the corridor as “INSTANT money transfers across Pakistan with RAKMoneyTransfer”. That is marketing wording: the page’s general delivery terms and the bank’s caveats, set out below, still apply.
The wallet figure comes from a fee sheet dated October 2023, while the current Service & Price Guide line covers account transfer and cash pickup. Check the wallet fee shown in the app before you send.
What RAKBANK does not publish for Pakistan
- Partner banks in Pakistan: not published. When you add the beneficiary in the app, check that the recipient’s bank or wallet can be selected, or ask RAKBANK.
- Delivery time to Pakistan: no Pakistan-specific time is published beyond the “INSTANT” marketing line; see the general wording below.
- Pakistan limits: not published. RAKBANK says the maximum depends on your account or credit card and that “destination-specific limits may also apply”, so check the limit shown in the app before you enter the amount.
If you see a precise delivery time, a partner-bank list or a pickup-network size quoted elsewhere for RAKMoneyTransfer to Pakistan, check it against RAKBANK’s current pages or the app. We did not find such figures on RAKBANK’s official pages.
How long a RAKMoneyTransfer takes
RAKBANK’s money-transfer page says: “Cash pickup transactions are available instantly. The same applies to account credit and e-wallet transfers to major countries. For other destinations, transfers are typically completed on the same day or the next working day, depending on bank processing times and cut-off schedules.”
That timing is not guaranteed. The same page says “Actual transaction completion times may vary from estimates due to enhanced screening or regulatory checks by correspondent banks”. RAKBANK’s General Terms and Conditions add: “You understand that transfer of funds is not an instant process and that the beneficiary may receive the funds after a number of Business Days.” The terms also say delays caused by an electronic system, a network or a third party, including an intermediary bank or a foreign regulator, are not RAKBANK’s responsibility.
“Next working day” follows the bank’s own working days. The UAE federal government weekend has been Saturday and Sunday since 1 January 2022, and banks set their own processing days, so a transfer that misses Friday’s processing may not move until Monday. Check the date the app shows before you confirm.
RAKMoneyTransfer fees to other countries
| Destination | Fee (AED) |
|---|---|
| India | 5.25, 10.50 or 15.75, by amount band |
| Philippines | Account credit 15 or 20; cash pickup 21 |
| Nepal | 10 |
| Sri Lanka | 15.75, 21 or 31.50 |
| EU | 26.25 to 126 |
| United Kingdom | 26.25 for 0–25000; 52.50 for 25000.01 and above |
| Bangladesh | 15 |
Where the guide lists more than one figure for a destination, the fee changes with the transfer (by amount band for India and the UK). Look up the band for your amount in the guide, or check the fee in the app.
To compare the amount received on these routes, see AED to INR, AED to PHP, AED to NPR, AED to LKR and AED to BDT.
Standard SWIFT transfers: fees by tier and channel
For “Dirham Payments Outside UAE and Foreign currency payments within/ outside UAE”, RAKBANK’s Service & Price Guide lists:
| Channel | Personal Banking | Select | Elite |
|---|---|---|---|
| Digital banking | AED 31.5 | AED 31.5 | Nil |
| Branch (via SWIFT) | AED 78.75 | AED 78.75 | Nil |
Every figure is “Plus beneficiary bank charges, if any”. RAKBANK adds that “Additional charges will apply where payment is to be sent with charges on remitter depending on the country/ currency of payment”, but it does not publish the amount of that surcharge, so ask before choosing to pay all charges yourself.
On a SWIFT payment, banks along the payment chain can also reduce the amount credited, so check the charge option and the amount shown before you confirm.
Payout options, reach and limits
- Payout options: RAKBANK lists “cash pickup, direct account credit, or e-wallet credit”.
- Reach: the Current Account Key Fact Statement (V082026) says you can “send funds to 170+ countries. All of these can be availed through online banking, mobile banking and at our branches.” The money-transfer page says 179 countries. Rely on the destination list in the app.
- Minimum and maximum: “The minimum amount you can send online is AED 100. The maximum amount depends on the type of account or credit card you hold with the Bank. Please note that destination-specific limits may also apply.”
- Daily limits: RAKBANK’s online daily-limits page gives generic figures by transaction type, for example 100,000 for “Transfer to other Account or Card within or outside RAKBANK” for a normal individual customer, but no per-country limits.
Checklist before you send
- Agree the payout with your recipient: bank account, cash pickup or e-wallet.
- Add the beneficiary using their details exactly as their bank or wallet holds them.
- Check the amount: at least AED 100 online, within your account’s maximum and any destination limit the app shows.
- Check the fee line (Nil for Pakistan account transfer and cash pickup in the price guide) and the exchange rate, then compare the PKR amount on AED to PKR.
- For a SWIFT transfer, check the charge option; paying all charges yourself costs extra, and RAKBANK does not publish how much.
- Confirm, keep the reference, and allow time for screening: RAKBANK does not guarantee delivery times.
Receiving money into a RAKBANK account from abroad? See our RAKBANK SWIFT code page. Moving money between UAE banks? See how to transfer money between banks in the UAE.