Why is there a difference between bank TT and open market rates?

The bank rate comes from SBP's interbank market, while exchange companies set their own rate on cash demand and supply. In October 2026 the open market buying rate runs about Rs 0.20–1.00 per unit above the bank customer rate — but the gap can reverse at any time.

Does the bank charge a fee on remittance?

Pakistani banks generally charge no receiving fee on home remittances, under SBP's Pakistan Remittance Initiative. The real charges are usually taken by the agent or service in the sending country, so always ask for the total charge before sending.

Is Roshan Digital Account (RDA) for everyone?

No. Roshan Digital Accounts can only be opened by overseas Pakistanis themselves. If the money must land in someone else's Pakistani account, Bank TT or a licensed exchange company are the channels to use.

Is this remittance calculation final?

No — it is an estimate. Forex rates move during the day, and each bank or company applies a slightly different rate depending on time and branch. Confirm the live rate and total charges with your bank or exchange company before transacting.

Remittance Value Estimator ترسیلاتِ زر کی قیمت کا حساب

Bahar se bheji gayi rakam Pakistan me kis channel se sab se zyada PKR banegi? Amount likhein — Bank TT, Open Market aur Roshan Digital Account (RDA), teeno ka net hisaab saamne aa jayega.
باہر سے بھیجی گئی رقم پاکستان میں کس چینل سے سب سے زیادہ PKR بنے گی؟ رقم لکھیں — بینک ٹی ٹی، اوپن مارکیٹ اور روشن ڈیجیٹل اکاؤنٹ (RDA)، تینوں کا نیٹ حساب سامنے آ جائے گا۔

Today's dollar rate in Pakistan (20 October 2026): the US dollar bank TT rate is Rs 276.56 while the open market rate is Rs 277.52. Use this free remittance calculator to compare what your dollars, pounds, euros, dirhams or riyals are worth in PKR across Bank TT, open market and Roshan Digital Account channels — and see the net amount you receive after charges.

USD open market: Rs 277.52 USD bank TT: Rs 276.56 Rates date: 20 Oct 2026 Source: SBP · ECAP

Rs 0

sab se zyada milega

Currency aur amount chunein — nateeja yahin update hota rahega.

Nateeja ↓

STEP 1

Currency & Amount

کرنسی اور رقم

Pehle currency chunein, phir amount likhein ya slider ghumayein. Nateeja har tabdeeli par foran update hota hai — koi button dabane ki zaroorat nahi.

Amount — kitni rakam bhejni / mili hai

Card par har currency ka open market buying rate bhi likha hai — ye woh rate hai jis par licensed exchange company aap se currency khareedti hai.

STEP 2

Charges (if any)

چارجز، اگر کوئی ہوں

Pakistan me home remittance ki wasooli par aam tor par koi fee nahi lagti — State Bank ki Pakistan Remittance Initiative (PRI) ke tehet banks receiving charges nahi lete, aur RDA credit bhi fee-free hota hai. Is liye teeno charges Rs 0 rakhe hain. Agar aap ke case me koi charge kata ho (masalan commercial TT par bank processing fee), to yahan likh dein — hisaab foran badal jayega.

Bank TT charges (Rs) Receiving bank ka koi charge ho to likhein. Home remittance par aam tor par 0.

Open market charges (Rs) Exchange company aam tor par rate me hi apna margin rakhti hai, alag fee nahi.

RDA charges (Rs) RDA me remittance credit par banks fee nahi lete — phir bhi kata ho to likhein.

Note: bhejne wale mulk me lagne wali fee (agent ya foreign bank ki) is hisaab se alag hai — woh wahan ki currency me kat-ti hai aur is tool ke PKR hisaab me shamil nahi. Bhejne se pehle wahan ka charge zaroor pooch lein.

Net Amount You Receive · آپ کو ملنے والی رقم

Sab se behtareen channel

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Channel Comparison چینلز کا موازنہ

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Rates last updated: 20 October 2026 · Source: State Bank of Pakistan (SBP) aur Exchange Companies Association of Pakistan (ECAP). Note: forex rates din ke andar (intraday) badalte rehte hain — asal rate transaction ke waqt wala lagega.

How Each Channel Works ہر چینل کیسے کام کرتا ہے

Bank TT (Telegraphic Transfer): bahar ke bank ya money transfer company se rakam seedha Pakistani bank account me aati hai. Bank SBP ke weighted average customer buying rate ke aas paas convert karta hai. Mehfooz aur documented tareeqa; home remittance ki wasooli par receiving fee aam tor par nahi lagti.
Open Market (Exchange Company): licensed exchange company ka cash buying rate (ECAP) — aaj kal ye rate bank rate se aksar thora upar hota hai. Cash carry karne ka risk alag hai; hundi/hawala ghair-qanooni hai, sirf licensed company istemal karein.
Roshan Digital Account (RDA): overseas Pakistani apne RDA account me rakam bhejte hain; conversion interbank rate ke qareeb hoti hai aur credit fee-free hota hai. RDA sirf wohi khol sakta hai jo khud bahar rehta ho — Pakistan me rehne wale rishtedaar ke liye ye channel nahi.

Teeno channels ke rates me farq chhota lagta hai, lekin bari rakam par yahi farq hazaron rupay ban jata hai — masalan $5,000 par sirf Rs 1 ka rate farq = Rs 5,000.

Rates Used in This Tool اس ٹول میں استعمال شدہ ریٹس

Neeche wale rates 20 October 2026 ke hain. Bank TT = SBP weighted average customer buying rate; RDA = interbank bank buying rate; Open Market = ECAP buying rate. Forex rates din ke andar badalte rehte hain.

Currency	Bank TT	RDA	Open Market
USD US Dollar	Rs 276.56	Rs 276.80	Rs 277.52
GBP British Pound	Rs 369.09	Rs 369.02	Rs 369.52
EUR Euro	Rs 310.59	Rs 310.85	Rs 310.89
AED UAE Dirham	Rs 75.29	Rs 75.37	Rs 75.60
SAR Saudi Riyal	Rs 73.71	Rs 73.81	Rs 73.92

Rates last updated: 20 October 2026. Bank aur interbank rates: State Bank of Pakistan (SBP). Open market rates: Exchange Companies Association of Pakistan (ECAP), SBP ke zariye shaya shuda.

Common Questions عام سوالات

Bank TT aur open market rate me farq kyun hota hai?

Bank rate SBP ke interbank market se banta hai, jabke exchange companies cash ki demand/supply par apna rate rakhti hain. Aaj kal (Oct 2026) open market ka buying rate bank ke customer rate se takreeban Rs 0.20–1.00 per unit upar chal raha hai — lekin ye farq kabhi bhi ulta ho sakta hai.

Kya bank remittance par fee kaatta hai?

Home remittance (ghar bheji gayi rakam) ki wasooli par Pakistani banks aam tor par koi fee nahi lete — ye SBP ki Pakistan Remittance Initiative ka hissa hai. Asal fee aksar bhejne wale mulk me agent ya service leti hai, is liye bhejne se pehle wahan ka kul charge poochna sab se ahem hai.

RDA sab ke liye hai?

Nahi. Roshan Digital Account sirf overseas Pakistanis (jo khud bahar rehte hain) khol sakte hain. Agar rakam kisi aur ke Pakistani account me aani hai to Bank TT ya exchange company hi channels hain.

Ye hisaab final hai?

Nahi — ye andaza hai. Forex rates intraday badalte hain, aur har bank/company ka asal rate waqt aur branch ke hisaab se thora mukhtalif ho sakta hai. Transaction se pehle apne bank ya exchange company se usi waqt ka rate confirm kar lein.

Sources ذرائع

State Bank of Pakistan — Weighted Average Customer Exchange Rates aur ECAP Open Market Closing Rates, 20 October 2026 (The Financial Daily par shaya shuda tables): thefinancialdaily.com/currency-rates-in-pakistan-today
Interbank bank buying/selling rates, 20 October 2026: pakistanstoday.com.pk — Interbank Exchange Rates Today
Open market rates ki tasdeeq, 21 October 2026 (Daily Pakistan / ECAP): en.dailypakistan.com.pk — Currency Exchange Rates, 21 Oct 2026

Rates har working day SBP aur ECAP ki taraf se update hote hain. Is tool ke rates 20 October 2026 par freeze kiye gaye hain — naya hisaab lagane se pehle date zaroor dekh lein.

Disclaimer: Ye tool sirf andazay (estimate) ke liye hai, financial advice nahi. Tamam rates 20 October 2026 ke published SBP/ECAP figures par mabni hain; forex rates din ke andar badalte rehte hain aur har bank ya exchange company ka asal rate mukhtalif ho sakta hai. Koi bhi transaction karne se pehle apne bank ya licensed exchange company se usi waqt ka rate aur kul charges confirm kar lein.