Electronic Money Order (EMO) – Pakistan Post
Electronic Money Order (EMO) is a Pakistan Post financial service that allows people to send money within Pakistan through an electronic processing system. It is designed for users who prefer postal money transfer instead of online banking or mobile wallet services.
This guide explains how EMO works, who can use it, the commission charges, and important points to know before sending money.
This website is an independent informational resource and is not affiliated with or operated by Pakistan Post.
What Is Electronic Money Order?
Electronic Money Order, commonly known as EMO, is a domestic money transfer service provided through Pakistan Post. Unlike traditional manual money orders, EMO uses an electronic system to process transfer information, making the service more efficient.
EMO is commonly used for:
- Sending money to family members
- Personal financial support
- Domestic money transfers
- Users without easy access to banking services
- Receipt-based money transfers through the postal network
If you are looking for other Pakistan Post financial services, you can also read about the Urgent Money Order and Fax Money Order services available on our website.
EMO Service Highlights
- Maximum transfer amount: Rs. 100,000
- Domestic money transfer within Pakistan
- Processed through Pakistan Post service points
- Receipt provided after booking
- Commission depends on the amount being sent
EMO Tariff / Commission
The commission charged depends on the amount being transferred.
| Amount | Commission |
|---|---|
| Up to Rs. 1,000 | Rs. 60 |
| Rs. 1,001 – Rs. 2,500 | Rs. 100 |
| Rs. 2,501 – Rs. 5,000 | Rs. 150 |
| Rs. 5,001 – Rs. 10,000 | Rs. 250 |
| Rs. 10,001 – Rs. 15,000 | Rs. 300 |
| Rs. 15,001 – Rs. 20,000 | Rs. 350 |
| Rs. 20,001 – Rs. 30,000 | Rs. 450 |
| Rs. 30,001 – Rs. 40,000 | Rs. 500 |
| Rs. 40,001 – Rs. 50,000 | Rs. 600 |
| Rs. 50,001 – Rs. 75,000 | Rs. 800 |
| Rs. 75,001 – Rs. 100,000 | Rs. 1,000 |
Note: Charges and service availability may change over time. Always confirm the latest commission and payment limits at your nearest Pakistan Post office before booking.
How Electronic Money Order Works
Sending money through EMO is straightforward.
- Visit a Pakistan Post office where EMO service is available.
- Request an Electronic Money Order form.
- Provide the sender’s and receiver’s information accurately.
- Deposit the money along with the applicable commission.
- Collect and keep your receipt until the transfer has been completed.
The receipt may be required if you need to make an inquiry or report a problem.
Who Can Use EMO?
Electronic Money Order may be suitable for:
- Individuals sending money to family members.
- Students receiving financial support.
- People living in areas with limited banking facilities.
- Users who prefer postal money transfer services.
- Anyone who needs a receipt as proof of payment.
Required Information Before Booking
Before visiting the post office, make sure you have:
- Sender’s CNIC (if required)
- Receiver’s full name
- Complete postal address
- Contact number (if requested)
- Amount to be transferred
Providing accurate information helps avoid unnecessary delays.
Important Tips Before Sending Money
To make the process smoother:
- Write the receiver’s name and address carefully.
- Confirm the latest commission before booking.
- Keep your booking receipt in a safe place.
- Ask about the expected payment time.
- Verify payment limits and identification requirements before sending money.
Frequently Asked Questions
What is Electronic Money Order (EMO)?
Electronic Money Order is a Pakistan Post financial service that allows users to send money within Pakistan through an electronic processing system.
What is the maximum amount that can be sent through EMO?
According to the available tariff, the maximum transfer amount is Rs. 100,000.
Can I use EMO for international money transfers?
No. Electronic Money Order is intended for domestic transfers within Pakistan.
Do I receive a receipt after sending money?
Yes. A booking receipt is issued after the transaction. Keep it until the payment has been completed.
How are EMO charges calculated?
Commission depends on the amount being transferred. Larger transfers usually have a higher commission according to the official tariff schedule.
Where can I confirm the latest EMO charges?
You should confirm the latest commission, payment limits, and service availability at your nearest Pakistan Post office before sending money.
Final Words
Electronic Money Order remains a useful option for people who prefer sending money through Pakistan Post instead of digital banking services. Before using EMO, verify the latest commission, required documents, payment limits, and service availability.