Can you use Wise in Pakistan? What works in 2026
Short answer: you can't open a Wise account if you live in Pakistan. But your clients can still use Wise to pay you, and it's often the cheapest way for money to arrive.
What doesn't work
- Opening a Wise account as a Pakistan resident
- Holding a USD, GBP or EUR balance with Wise
- Getting Wise account details (a US routing number or UK sort code) to give clients
- Sending money out of Pakistan in PKR through Wise
What does work
A client abroad with their own Wise account can send money to your Pakistani bank account (IBAN). It arrives in rupees. The client pays Wise's fee (around 0.6% to 1.3% depending on how they fund it), and Wise converts at close to the mid-market rate, so you usually receive more than through Payoneer.
- Transfers go to individual accounts; Wise does not support business payments into PKR.
- There is a per-transfer limit (reported as Rs 35 million).
- The money lands as an inward remittance in your bank, so ask for a PRC showing it's payment for IT services (purpose code 9186), not a family remittance.
Make sure the client marks it as a payment for services. The bank needs to treat it as export proceeds so the right tax (0.25% with PSEB, 1% without) is deducted and you get a PRC.
What about PayPal?
PayPal is still not available to residents of Pakistan as of late 2026.
Compare all the payment routes
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General information, not tax advice. Rates are for tax year 2027 (1 July 2026 to 30 June 2027) from FBR's withholding rate card and Circular 2 of 2026-27, unless stated.