Home Remittance

Every Year Pakistanis living abroad send around PKR. 400 billion to their family members in Pakistan. Money sent from aboard via the Western Union, Ria Money Transfer, Contact, Intel Express, and MoneyGram can be received easily from any branch of Sadiq Exchange (Private) Limited.

Sadiq Exchange Pvt Ltd. is number one choice for people looking to send money to Pakistan, best dollar rates in Pakistan, home remittance and utility bills payments.

Sadiq Exchange is in the process of rapidly expanding the network of its branches all over Pakistan. Therefore, we take every possible step to ensure that the funds sent to our customers are readily transferred to their family members.

Western Union

Remittance through the Western Union

Inward Remittances through the Western Union
Demand Approximately 4 to 5 million Pakistanis are working/settled overseas and they send approximately US$ 11 to 13 billion to their family members in Pakistan every year. SEC Exchange Company plays an important role in facilitating the customers to receive the remittances through the Western Union as quickly as possible in all our branches.

Outward Remittances through the Western Union
SEC Exchange Company also facilitates the customers to send their money to their loved ones living abroad through Western Union. Money sent through Western Union is transferred in minutes to any part of the world. But this is not active yet this will be activated soon.

Easy Steps to collect your payment:

  • Visit any of our branch along with original CNIC and its photocopy.
  • Fill out the simple form mainly containing the Money Transfer Control Number (MTCN)
  • After Verification of your identity, collect your payment.

Terms & Conditions

  • Expired CNIC will not be accepted.
  • Payment will be given only to the authorized beneficiary.
  • According to the State Bank of Pakistan, all KYC procedures will be followed for any transaction.
  • Easy Steps to Transfer Money:
  • Visit any of our branch along with original CNIC and its photocopy.
  • Fill out the simple form containing the beneficiary and sender information.
  • After Verification of your identity, collect the money transfer receipt.

MoneyGram International Inc.


MoneyGram is a global provider of innovative money transfer and payment services. It connects family and friends around the world by providing a convenient and reliable financial connection for life’s essentials and daily needs. Its services are available in 200 countries and territories.

Whether a transaction is made through one of its innovative online or mobile platforms, a kiosk or at any one of our nearly 350,000 global agent locations, MoneyGram is committed to providing an industry-leading customer experience at every interaction. MoneyGram is built upon a foundation of trust, reliability, innovation, and convenience. Tens of millions of consumers around the globe depend on us to get money from point A to point B quickly and securely. That’s why MoneyGram has invested millions of dollars in world-class compliance platforms and continues to make compliance and security a top priority.

With approximately 350,000 agent locations worldwide, it’s easy to receive money from a Sadiq Exchange location near you.

 To Receive Money

  1. Find a location

Find a Sadiq Exchange location near to you

  1. Complete the form, if applicable

If required, complete a simple receive from entering the reference number given to you by the sender

  1. Receive your funds

Hand the completed form and your valid Government Issued Photo I.D. to the FLA to receive your money.

How to send money from Pakistan in person at a MoneyGram agent location

With thousands of agent locations worldwide, it’s easy to send money from a location near you.

  1. Find an agent location

Find a Sadiq Exchange location near to you

2. Prepare for your visit

Bring the following information:

  • For all sends:
  • Your Government Issued Photo I.D. where applicable
  • Your recipient’s full name matching their I.D. and their location
  • The amount you wish to send, plus fees
  • If sending to a bank account, you also need your recipient’s bank name and account number
  • If sending to a mobile wallet, you also need your recipient’s mobile number with international dial code

3. Complete your transaction

Where applicable, complete a send form. Give the FLA the completed form with applicable funds (including transaction fees).

4. Notify your recipient

Save your receipt and share the 8-digit reference number with your recipient for pick-up.  Funds sent to a bank account will be sent directly into the account.

Ria Money Transfer

RIA Money Transfer was established in 1987 with one small store in New York City and one goal:
To help people send money to their loved ones back home.
RIA has a worldwide agent network of 332,000 locations in 146 countries and territories and growing.
RIA shorten the distance between families and their loved ones through its world-class money transfer service.
Since opening their first storefront in 1987, they have grown into the third largest money transfer service. And they’re not stopping there. In addition to money transfer services, Ria Money Transfer also offers bill payment, mobile top-ups, prepaid debit cards, check cashing and money orders. In every service that they provide, they work hard to ensure a clear, simple and valuable experience.
RIA’s mission is simple. RIA Money Transfer strives to offer the most simple, reliable and friendly money transfer service. RIA go to great lengths to ensure people’s hard-earned money is received by their families, wherever they may be around the globe.

CONTACT Payment Sys

CONTACT payment system established in 1999. QIWI Bank (JSC) is an operator of CONTACT system.

CONTACT system laid the foundations of the Russian market of remittances and is currently one of its leaders in Russia and CIS countries. CONTACT pool of partners consists of more than 900 financial institutions in Russia and abroad, which form an extensive network of service points – 400 000+ POS, including payment terminals, in more than 170 countries. CONTACT system also processes payments to the more than 1,500 legal entities – commercial banks, trading companies, insurance, and travel companies and their agents, Internet service providers, telecom operators, etc.

Annually millions of customers worldwide use the System’s services.

CONTACT system is the winner of numerous Russian and international awards in quality and business leadership fields – a three-time winner of the All-Russian contest “Brand № 1 in Russia” in the category “Remittances” in 2011, 2012, 2013; recipient of the National Award for “Customer Rights and Quality of Service 2014”; winner of The Bizz 2013 awards (NY, 2013) as well as International Quality Star (NY, 2013) and International Star for Quality (Geneve, 2012).

How to receive funds?

  • Drop by the SEC outlet during business hours.
  • Present your identification document.
  • Obtain a unique number of the money transfer and amount of money transfer from the Sender
  • Receive the transfer amount.

No commission charged on transfer payments!

How to send funds?

  • Drop by a convenient SEC outlet, and choose the country, city and money-transfer payment outlet where the money transfer will be paid out to the receiver, or simply name the country and city (for countries supporting a no-address transfer-issuance format).
  • Tell the operator the full name of the recipient, as indicated in his passport.
  • Present your identification document.
  • Pay the amount of the transfer, plus commission.
  • Notify the receiver of the address of the CONTACT System transfer-payment outlet, as well as the amount and a unique number of the money transfer. The money transfer will be paid in full, without any withholding of additional commissions from the receiver.

IntelExpress Money Transfer

Intel Express is a worldwide money transfer system and its core business is Cash to Cash money transfers between individuals. Apart from this, Cash to Account, Commercial Payments (loans repayments, utility payments, etc.), Internet payments and other mobile money transfers are included in the product portfolio of Intel Express.

As an international market player, Intel Express is currently focused on the development of principal international corridors. The system operates in more than 90 countries with 57000 locations worldwide. Intel Express has own service network in Greece, Georgia, UK, and Italy.

Utilizing service points of Intel Express and partners allows the system establishing partnership relations with various financial institutions and money transfer systems on all continents.

Since the establishment of Intel Express in 2007, its business is growing year over year rapidly. Today the system has one of the leading positions and with its ambitious plans to develop global markets; Intel Express is rapidly developing its own network in Europe.

Equipped with advanced data security technology and employing specific working procedures to protect users, Intel Express has made significant financial and technological investments pertaining to the safety and integrity of its database, aiming to the utmost security and strictest possible protection of its client’s funds and personal data, utilizing cutting-edge methods of security technology. Intel Express provides multi-language technical support throughout 24 hours, 7 days a week and maintains the highest level of customer confidentiality.

Intel Express services have already been used by millions of customers. We appreciate their trust and strive to maintain high-quality service.

Our Affiliations

Sadiq Exchange Company (PVT) Limited is your premier choice for home remittance receiving & currency exchange. We are serving thousands of our loyal clients daily in more than 40 different locations nationwide in Pakistan.