BankIslami International Remittances
How to receive a foreign remittance at any BankIslami branch without an account, and how existing account holders send and receive money internationally by wire transfer.
- No Account Needed for Pickup
- Free to Receive
BankIslami handles international remittances two distinct ways: walk-in cash pickup for anyone receiving money from abroad, account or no account, and formal inward/outward wire transfers for existing account holders and businesses. This page covers both, and how they differ from the dedicated Sohni Dharti account for overseas Pakistanis.
Remittances at a Glance
- Cash Pickup Cost
- Free
- Account Required?
- No, for pickup
- MTOs Supported
- IME, MoneyGram, Ria, Instant Cash
- ID Required
- CNIC / NICOP / Passport
Confirmed from BankIslami's official Home Remittance and Foreign Remittance Services pages (bankislami.com.pk).
Receiving Cash: Home Remittance
Home Remittance is BankIslami's cash-pickup service for money sent from abroad through its Shariah-compliant remittance partners — IME, MoneyGram, Ria, and Instant Cash. You don't need a BankIslami account to collect the money: any valid CNIC, NICOP, or passport is enough at the counter, and receiving is free of charge with no hidden fees, per BankIslami's own published FAQ.
| Step | What To Do |
|---|---|
| 1 | Get the reference/pin-code from your sender (11 digits for IME and Ria, 8 digits for MoneyGram) |
| 2 | Visit any BankIslami branch with your original CNIC, NICOP, or passport |
| 3 | Complete BankIslami's Home Remittance Receive form and show your ID to collect the cash |
Sourced from BankIslami's official IME, MoneyGram, and Ria pages (bankislami.com.pk/home-remittance/).
Wire Transfers: Foreign Inward & Outward Remittance
For existing account holders, BankIslami's Centralized Foreign Remittance Unit handles Foreign Inward Remittance (FTT-Wire Transfer) directly into an account, and Foreign Outward Remittance for sending money abroad. Inward funds can be received in a foreign-currency (FCY) account or converted into a PKR account. To receive an inward wire, the sender needs your full account name, your IBAN and account type, your address and payment purpose, and BankIslami's SWIFT code (BKIPPKKA) along with correspondent bank details where applicable.
BankIslami also runs a dedicated Remittance Facilitation Desk specifically for IT & ITeS exporters, freelancers, and other corporate clients receiving foreign payments, with eligible transactions processed through SBP's online RAS (Remittance Approval System) Portal.
Sourced from BankIslami's official Foreign Remittance Services page (bankislami.com.pk/foreign-remittance-services/).
How This Differs From Sohni Dharti
Home Remittance and wire transfers above are transaction services — available to anyone, account holder or not. Sohni Dharti is a different thing entirely: a dedicated bank account product built specifically for overseas Pakistanis, comparable in purpose to a Roshan Digital Account. If you're an overseas Pakistani looking to open an account rather than just receive a one-off transfer, see the Sohni Dharti page instead.
Frequently Asked Questions
Do I need a BankIslami account to collect a remittance?
No. Cash pickup through IME, MoneyGram, Ria, or Instant Cash is available at any BankIslami branch to anyone showing a valid CNIC, NICOP, or passport, whether or not they hold an account.
How much does BankIslami charge to receive a home remittance?
Receiving remittances in Pakistan through BankIslami is free of charge, per BankIslami's own FAQ — there are no hidden fees charged to the receiver.
What's the difference between Home Remittance and Sohni Dharti?
Home Remittance is a walk-in cash-pickup service open to anyone, account holder or not. Sohni Dharti is a dedicated bank account product built specifically for overseas Pakistanis, similar in purpose to a Roshan Digital Account.
How do freelancers and IT exporters receive foreign payments through BankIslami?
BankIslami operates a dedicated Remittance Facilitation Desk for IT & ITeS exporters, freelancers, and other corporate clients handling foreign inward remittances, with SBP RAS Portal approvals for eligible transactions.
Good For
- Collecting cash sent from abroad without needing a bank account
- Understanding which ID and reference number you need at the counter
- Existing account holders sending or receiving money by wire transfer
- Freelancers and IT exporters looking for a dedicated foreign-payment desk
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International Remittances
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For independent verification, see BankIslami's official Home Remittance page and State Bank of Pakistan.