Fixed fee
Transfers to any other bank account in Pakistan are free — no flat fee on standard (non-instant) withdrawals.
SadaPay calculator
SadaPay fees calculator
SadaPay is a Pakistani digital wallet: open an account from your phone, get a free Mastercard debit card, and move rupees to any local bank without transfer fees.
Send money with SadaPay — compare against 14 services
Live mid-market ratesEnter the details below and tick the services you want — the ranking refreshes on its own.
About the figures: exchange rates are mid-market rates pulled from free public APIs and refreshed about every 30 minutes. Fees and margins come from each provider's published pricing and are comparison estimates — always confirm the live price with the provider before you send.
Fee breakdown
How SadaPay charges you
Every SadaPay transfer has four cost components. Here is exactly what each one means.
Percentage fee
There is no percentage charge on domestic PKR transfers; the only percentage costs appear when your card is used abroad.
Exchange rate offered
PKR-to-PKR moves at face value. Foreign-currency spending is converted at Mastercard exchange rates plus SadaPay's margin.
Markup vs mid-market
No markup on domestic transfers; foreign transactions carry an estimated 1.75%–2.5% margin on top of the Mastercard rate.
Why people choose SadaPay
- Free domestic transfers
- Free Mastercard debit card
- No monthly account fee
What to watch out for
- PKR only — no international remittance
- Foreign card spending carries a margin
FAQ
SadaPay fees — common questions
How much does SadaPay charge to send money?
SadaPay charges a fixed fee of 0 plus 0% of the amount on bank-funded transfers (figures from our editable fee config). Debit and credit-card funding are priced in the calculator above.
Does SadaPay add an exchange-rate markup?
Yes. SadaPay applies a markup of 0% on bank transfers, 1.75% on debit cards and 2.5% on credit cards over the mid-market rate. The calculator shows both the offered rate and the difference from mid-market in your send currency.
How long do SadaPay transfers take?
Instant for transfers inside Pakistan. Delivery also depends on the destination country, the payout method and when you start the transfer.
What payment methods can I use with SadaPay?
The calculator compares bank transfer, debit card and credit card funding. Card payments almost always cost more, which is why the ranking can change when you switch methods.
How is the total cost of a transfer calculated?
Total cost combines two things: the fees charged by the provider (fixed fee + percentage fee) and the exchange-rate markup over the mid-market rate. The calculator adds both and expresses the result in the send currency, then shows exactly how much the recipient receives.
What is the mid-market rate?
The mid-market rate (also called the interbank rate) is the midpoint between the buy and sell prices of two currencies on the global market. It is the rate you see on Google or Reuters before any bank or provider adds a margin.
Compare SadaPay with other providers
See how SadaPay stacks up against Wise, Revolut, Western Union and the rest — or open another calculator below.
Wise fees calculator
True mid-market rate with one transparent, upfront fee.
Open calculator →Remitly fees calculator
Fixed transfer fees with express delivery in minutes.
Open calculator →Western Union fees calculator
Huge global agent network for cash pickup and delivery.
Open calculator →MoneyGram fees calculator
Competitive cash pickup with frequent online fee discounts.
Open calculator →OFX fees calculator
No transfer fees — costs are baked into a tight exchange margin.
Open calculator →Revolut fees calculator
App-based transfers at interbank rates on weekdays.
Open calculator →