Coinepay | How to Send Money to Pakistan from the United States: Step-by-Step Guide

Coinepay Global Remittance lets you send money from the United States to Pakistan and track it from start to finish. Whether your recipient wants the funds in a bank account, a mobile wallet, or as cash to collect in person, this guide walks through what you need, how to set up the transfer, and what to do if something goes wrong. The exchange rate and any fees are always shown in the Coinepay app before you confirm, so you can review everything first.

Before you start: what the sender needs

To send a cross-border transfer with Coinepay, you need a registered account with completed identity verification (KYC). If you have not signed up yet, you can create an account and finish verification before sending. You manage everything from the 24/7 self-service dashboard or the Coinepay mobile app for iOS and Android.

You will also need accurate details for your recipient. The exact information depends on the payout method you choose, but in every case you need the recipient's full legal name exactly as it appears on their bank account or government ID. A small spelling difference can delay or return a transfer.

All transfers are subject to identity verification, sanctions screening and local regulations. Coinepay screens customers and counterparties against sanctions lists and may ask for supporting documents, such as the purpose of the transfer or the source of your funds. Providing these promptly keeps your transfer moving.

The local currency and receiving details

Pakistan's local currency is the Pakistani rupee (PKR). A Pakistani bank account is identified by an IBAN, which is 24 characters long: it begins with PK, followed by two check digits, a four-character bank identifier, and a 16-character account code. The recipient can find their IBAN in their banking app, on a statement, or by asking their bank.

The information you need to collect varies by payout route, so confirm which method your recipient prefers before you begin.

Choose a payout method

Coinepay supports common local payout methods in Pakistan. Availability of a specific option can depend on the recipient and the route, and the choices for your transfer are shown in the app.

Bank deposit

Funds are deposited directly into the recipient's Pakistani bank account. For a local PKR bank deposit, you typically need the recipient's full name and their IBAN. For an international SWIFT-style payment you may instead be asked for the account name, IBAN, bank name and address, and the receiving bank's SWIFT/BIC code; use whatever the app requests for the route you select. Major Pakistani banks commonly used for deposits include HBL, UBL, Meezan Bank, MCB Bank, Allied Bank and Bank Alfalah.

One thing to check: some account products are set up only to receive via specific routes. For example, certain "Express"-type accounts at some banks may not accept a general local deposit. Confirm with your recipient that their account can receive the payout type you choose.

Mobile wallet

Mobile wallets are widely used in Pakistan. Popular options include Easypaisa and JazzCash. For a wallet payout, the recipient usually needs an active wallet registered in their own name, with the mobile number linked to that wallet. Make sure the name on the wallet matches the name you enter.

Cash pickup

With cash pickup, the recipient collects the money in person at a payout location. To collect, they generally need a valid government ID—such as a CNIC, NICOP, or passport—and the transfer reference number you receive after sending. The name you enter must match the ID exactly, or the location may refuse to release the cash.

Step-by-step: send the transfer

Sign in and open Global Remittance. Log in to the Coinepay app or dashboard and start a new transfer.
Choose the destination and currency. Select Pakistan as the destination and PKR as the payout currency (or the currency the app offers for your chosen route).
Select the payout method. Pick bank deposit, mobile wallet, or cash pickup based on what your recipient prefers.
Enter the recipient details. Provide the recipient's full legal name and the fields required for your method—IBAN (and SWIFT/BIC if requested) for bank deposit, the registered mobile number for a wallet, or the recipient's name as it appears on their ID for cash pickup. Double-check every character.
Review the rate and fees. Before you confirm, Coinepay shows the exchange rate and any fees clearly, along with the amount your recipient should receive. Review this carefully.
Confirm and fund the transfer. Approve the transfer and complete funding. If Coinepay requests documents for compliance, upload them to avoid delays.
Track the status. Every transfer has status tracking in the app. Follow it from processing to paid out, and share the reference number with your recipient if they need it for cash pickup.

Recipient-side considerations

Receiving remittances from abroad is generally not restricted in Pakistan, but that does not remove the receiving provider's own checks or any limits tied to a specific account. Some account types carry restrictions—for instance, basic "Asaan" accounts have a maximum credit balance and are not meant for commercial remittances—so confirm your recipient's account type suits the transfer. Pakistani banks may also issue documentation, such as an electronic Proceeds Realization Certificate, recording funds received from abroad, which can be useful for your recipient's records.

Tax treatment of an incoming transfer depends on its purpose and the recipient's circumstances, so a professional assessment is sensible for larger or business-related transfers. Coinepay does not provide tax advice.

Troubleshooting

Wrong recipient details

An incorrect name, IBAN, or wallet number is the most common cause of delays and returns. If you spot a mistake after sending, check the transfer status and contact Coinepay support right away—changes may only be possible before the funds are paid out.

Transfer under review

Transfers can pause for identity verification or sanctions screening, or because Coinepay needs more information about the purpose or source of funds. Respond to any request in the app promptly to clear the hold.

Delays

Funding time, extra verification, and weekends or local bank holidays can all slow processing. The tracking screen shows the current stage so you can see where your transfer is.

Returned or failed transfers

A transfer can be returned if the receiving account cannot accept the selected payout type, if details do not match, or if a cash-pickup recipient cannot provide the required matching ID or reference number. Confirm the account can receive your chosen route and that the recipient's name matches their records, then try again or reach out to support for help.

Get help

If you are unsure which payout method or details to use, Coinepay support is available 24/7 through the help center and on Telegram. You can learn more about the service on the Coinepay home page.

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FAQ

What details do I need to send money to a Pakistani bank account?

For a local PKR bank deposit you typically need the recipient's full legal name and their 24-character Pakistani IBAN (starting with PK). For an international SWIFT payment you may also need the bank name and address and the receiving bank's SWIFT/BIC code. The Coinepay app shows the exact fields for the route you choose.

Which payout methods can my recipient in Pakistan use?

Coinepay supports bank deposit, mobile wallet, and cash pickup. Popular wallets include Easypaisa and JazzCash, and major banks for deposits include HBL, UBL, Meezan Bank, MCB Bank, Allied Bank and Bank Alfalah. Available options for your transfer appear in the app.

How much will the transfer cost and how long does it take?

Coinepay shows the exchange rate and any fees clearly before you confirm the transfer, along with the amount your recipient receives. Delivery time can vary with funding, verification and local bank hours, so check the live details and status tracking in the app.

What does my recipient need to collect a cash pickup?

They generally need a valid government ID such as a CNIC, NICOP, or passport, plus the transfer reference number you receive after sending. The name on the ID must match the name you entered, or the location may not release the funds.

Why might my transfer to Pakistan be delayed or returned?

Common causes include incorrect recipient names or account details, an account that cannot accept the selected payout type, pending compliance or verification checks, weekends and bank holidays, or a cash-pickup recipient without matching ID. Respond to any document requests promptly and contact Coinepay support if a transfer stalls.

How to Send Money to Pakistan from the United States: Step-by-Step Guide