Currency Converter

Interbank rate woh hota hai jo banks aapas mein currency trade karne par use karte hain - SBP monitor karta hai. Open market rate woh hota hai jo exchange companies (Al Ansari, H&H, Galaxy) charge karte hain. Open market usually 1-3 Rs zyada hota hai kyunke unka margin aur operational costs hote hain.

Roshan Digital Account (RDA) ke through best near-interbank rate milta hai. Wise, Remitly jaise digital services bhi competitive rates dete hain (1-2% spread). Bank wire transfers aam taur par thora kam rate dete hain lekin safer hain. Hawala/hundi illegal hain - avoid karein.

PKR ki value girti hai jab imports zyada hon exports se, foreign debt burden barhe, ya foreign reserves kam hon. 2018 mein 1 USD = Rs 125 tha, 2023 mein Rs 300, abhi 2025 mein Rs 278-285. Yeh imports mehnga karta hai (petrol, machinery), inflation badhata hai, aur foreign loans ka burden barhata hai.

Pakistan mein foreign currency account kholne ke liye: CNIC, proof of income (salary slip ya business proof), aur foreign exchange declaration. Major banks (HBL, UBL, MCB, Meezan, Bank Alfalah) Roshan Digital Account offer karte hain jo non-resident Pakistanis ke liye hai. Account USD, EUR, GBP, AED mein ho sakti hai.