To send money to a Monzo account from Pakistan, you cannot do so directly. Monzo does not support receiving international money transfers directly. You will need to use a third-party international money transfer service as an intermediary.
Why Direct Transfers Aren't Possible
Monzo is primarily designed for domestic banking within the UK and does not have the capability to receive funds directly from international bank accounts, including those in Pakistan.
As stated in the Monzo community reference: "You can't directly as Monzo does not support international transfers. You will need to use an intermediary..."
Using an Intermediary Service
The most common and effective way to send money from Pakistan to a Monzo account in the UK is by using a dedicated international money transfer service. These services act as a bridge between your bank account in Pakistan and the recipient's Monzo account in the UK.
An example of such a service mentioned in the reference is Transferwise (now known as Wise).
Steps typically involved:
- Sign up with an international money transfer service that operates in both Pakistan and the UK (e.g., Wise, Remitly, Xoom, etc.).
- Initiate a transfer from your account in Pakistan through their platform.
- Provide recipient details: You will need the recipient's Monzo account details (account number and sort code).
- The service converts the currency (PKR to GBP) and sends the money to the Monzo account.
Important Considerations:
- Service Availability: You must confirm that the chosen service is supported for sending money from Pakistan to the UK. As the reference notes regarding Transferwise (Wise), you must verify "(if it is supported in Pakistan)".
- Fees and Exchange Rates: Compare different services for their transfer fees and the exchange rates offered, as these can vary significantly.
- Transfer Limits: Check if there are any maximum or minimum limits on the amount you can send.
- Processing Time: The time it takes for the money to arrive in the Monzo account can differ depending on the service and the transfer method.
Popular Intermediary Options (Examples)
While Wise is mentioned, other services may also facilitate transfers from Pakistan to the UK. It is crucial to research which services are legally operating and available for use in Pakistan for outward remittances.
| Service Example | Check Availability in Pakistan | Recipient Account Type | Notes |
|---|---|---|---|
| Wise (formerly Transferwise) | Crucial to verify | UK Bank Account (Monzo is a UK bank) | Often known for competitive rates/fees. |
| Other Services (e.g., Remitly, Xoom, Western Union Digital) | Crucial to verify | UK Bank Account / Payout locations | Availability and services vary by country. |
Note: This table provides examples; you must verify the current services available and operational in Pakistan for sending funds internationally.
For more context, you can refer to discussions like the one found here: Deposit money to Monzo from Pakistan - Help community.monzo.com
In summary, sending money directly from Pakistan to a Monzo account is not possible. The required method is to use a third-party international money transfer provider that supports transfers originating from Pakistan and terminating in the UK, such as Wise, provided it is available in Pakistan.
