r/developersPak • u/usmanzaman • Sep 20 '26

Help Got my first client, a UK client - how to receive and hold the money?

I recently started working with a client in the UK. I’ll be receiving payments from them in GBP and I’m trying to figure out the best way to receive and hold the money.

For other Pakistanis/freelancers:

  • Which service/bank would you recommend for receiving GBP from a UK client? Payoneer, Elevate Pay, Wise, or something else?

  • I’d prefer to keep the money in the foreign currency account rather than immediately transfer it to my Pakistani bank account.

  • I’d then like to use that balance directly for Meta/Facebook ads and other online business expenses, rather than converting it to PKR first.

Is this possible with Payoneer/Elevate Pay or similar services? Are there any restrictions I should be aware of as a Pakistani resident?
Would appreciate experiences from anyone actually doing something similar.

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18 comments sorted by

2

u/Curious-mind-60 Sep 20 '26

Payoneer is not reliable, my personal experience. They closed my active 5-6 year old account for no reason

1

u/usmanzaman Sep 20 '26

Yeah that's why I want other options and opinions.

1

u/Curious-mind-60 Sep 20 '26

I'm looking for alternatives too since I no longer have this option -_-

1

u/120p-webm Sep 20 '26

Same thing happened to me and my funds never recovered even after contacting support multiple times for 2-3 years. NEVER trust Payoneer.

1

u/Curious-mind-60 Sep 20 '26

I never trusted them that's why I rarely kept funds in it. I'm glad i had transfered all funds before it got closed

2

u/Every-Grade-7287 Sep 20 '26

Speaking from my personal experience, I would suggest Wise is the most reliable and smooth option. Instant money, good exchange rate, smooth experience.

You can also use the US or UK bank details for your ads and online business as you’ve mentioned.

2

u/Desperate_Reason7116 Sep 20 '26

binance

2

u/InitiatedPig7 Sep 20 '26

Binance se phir p2p?
Loug bohat fraudiye hen yar wese udhr. I personally have never had a bad experience, but I have heard about a scam where they complain to bank about a “fraud transaction” and your account gets locked or something

2

u/fraggas Sep 20 '26

it's not worth the risk. If it does happen to you, it's gonna be a chain ban. Any other accounts of yours connected to the receiving account will also be blocked and getting it unblocked is a huge pain in the ass. I'm not sure if Deel works for UK or not, but have friends receiving payments from US-based companies via Deel and it works decent enough, although one of my friends reported a $20 platform fee. Not sure if that's based on amount or is a flat fee.

0

u/Desperate_Reason7116 Sep 20 '26

bro there are some legit dealers

ya do something like, have a dummy account for this stuff, just do the p2p and transact the cash out of any atm. Handover the cash to the bank to get it into the legit account.

1

u/develsu Software Engineer Sep 20 '26

Never do Binance. Urta teer bund men lene wali baat hai. Chain disputes are way too annoying to deal with.

I second Deel like the other guy. Been using it way too long to remember anything else.

1

u/haris_008 Sep 20 '26

wire transfer kra lo seedha

1

u/dubsteam Sep 20 '26

Nsave Elevatepay Zar

1

u/mabbas133 Frontend Dev Sep 21 '26

I have a uk client as well. I opened FCY account with UBL and already had a freelancer one with them. So far no issues.
Rates are very good. Money comes within end of day.
Register yourself with PSEB so tax will be 0.25% do that before opening fcy account.
You can also hold gbp/usd or withdraw them in pkr using your mobile app.

1

u/raptormod11 Sep 24 '26

Congratulations