Payment Methods and Currency Exchange in Pakistan: Essential Facts for Travelers

Pakistan’s official currency is the Pakistani Rupee (PKR). Cash is widely used, but electronic payments are increasingly common in urban areas.

• Currency: Pakistani Rupee (PKR)
• Payment Methods: Cash is accepted everywhere. Credit and debit cards (Visa, Mastercard) are accepted in major hotels, restaurants, and malls. Mobile wallets (e.g., Easypaisa, JazzCash) are popular locally; international wallets (Apple Pay, Google Pay, Alipay) have limited acceptance.
• Contactless Payments: Contactless card payments are available in some urban outlets. International mobile wallets are rarely accepted.
• ATMs: Widely available in cities. Most ATMs accept international cards (Visa, Mastercard), but some may charge a fee (typically PKR 200–500 per withdrawal).
• Currency Exchange: Available at banks, airports, and licensed exchange offices. Exchange rates may vary; official ID is required for transactions.
• Foreign Currency Restrictions: Import or export of local or foreign currency above USD 10,000 (or equivalent) must be declared to customs. Exceeding this limit requires official documentation.
• Transaction Fees: Foreign card transactions may incur surcharges (1–3%) and ATM withdrawal fees.
• Payment Issues: Inform your bank before travel to avoid card blocks. Carry sufficient cash for rural areas.
• Major Banks: Habib Bank Limited (HBL), MCB Bank, United Bank Limited (UBL), Standard Chartered Pakistan.
• Regulations: The State Bank of Pakistan regulates currency exchange and payment systems. Travelers should check for updated advisories before arrival.