Bank Transfer Exchange: All Routes and Live Rates

This page lists every S2Swap route that uses a Pakistani bank transfer: routes where you pay by bank transfer (IBFT or Raast) to buy USDT, USDC, Bitcoin, Ethereum, Skrill, Payoneer, WebMoney, Wise and other currencies, and routes where you sell a currency and receive PKR to your bank account. Bank routes have higher minimums than JazzCash and EasyPaisa and are the usual choice for larger amounts. The table is live: a route is shown only while it is open, with the rate, minimum and maximum the order form will use.

Paying by bank transfer (PKR to a currency)

1. Pick a route in the “Pay with bank transfer” group above, for example bank transfer to USDT TRC20, and enter the PKR amount. The currency you will receive is calculated as you type.
2. Enter the delivery details: a wallet address and network for USDT or another coin, or the account e-mail for Skrill, Payoneer, WebMoney or Wise. Add your name, e-mail and contact details and confirm.
3. The order page shows the S2Swap bank account (title, bank, account/IBAN). Transfer the exact amount from a bank account in your own name using your banking app (IBFT or Raast), then press “I have paid”. Keep the transaction reference.
4. The team matches the incoming transfer and sends the currency. Every stage is visible on the order page and through Check status.

Receiving to your bank account (a currency to PKR)

1. Pick a route in the “Receive to bank transfer” group, for example USDT TRC20 to bank transfer or Payoneer to bank transfer, and enter the amount you are sending.
2. Enter your bank name, account title (exactly as the bank has it) and account number or IBAN, plus your contact details, and confirm.
3. Send the currency to the address or account shown on the order page and mark the order as paid.
4. After the incoming transfer is confirmed, the PKR is sent to your bank account. Crypto routes are typically completed within 60 to 180 minutes; e-currency routes within 1 to 3 hours and at most 24 hours. Bank credit time then depends on your bank (IBFT/Raast is usually immediate; some banks post transfers with a delay).

Bank transfer vs JazzCash and EasyPaisa

• Limits: bank routes have a higher minimum per order (shown in the table) and no mobile-wallet receiving cap, so they suit amounts that would exceed a JazzCash or EasyPaisa wallet limit.
• Speed: the S2Swap processing time is the same; the difference is how fast your bank posts the transfer.
• Rate: the same live rate applies to all three rails for a given currency.
• For smaller amounts see JazzCash routes and EasyPaisa routes.

Bank transfer mistakes that delay an order

• Paying from a third-party account (a friend, a shop, a business account not in your name). Such payments are returned and the order is cancelled.
• Wrong or rounded amount. Transfer exactly the figure on the order.
• Account title mismatch on payout. The payout goes to the title you enter; if it differs from the bank’s record the transfer fails or is held.
• Using an old S2Swap account number. Receiving accounts can change; always copy the details from the current order page.

Frequently asked questions

Which banks are supported?

Any Pakistani bank that can send and receive IBFT or Raast transfers. The S2Swap receiving account for a given order is shown on the order page.

What is the minimum for bank transfer orders?

It is set per route and shown in the table above and on the order form; it is higher than for JazzCash and EasyPaisa.

Can I send a large amount in one order?

Up to the maximum shown for the route, which follows the current reserve. Larger amounts can be split into several orders. Verification may apply to larger orders; see the AML/KYC policy.

How long until the money is in my bank?

S2Swap sends the payout within the processing time shown on the order page; your bank then credits the IBFT/Raast transfer, usually within minutes.

Do I pay any fee to the bank?

Your own bank may charge an IBFT fee according to its tariff. Any S2Swap route fee is shown on the confirmation screen before you pay. See how rates and fees work.

Related: USDT to PKR rate · Payoneer to PKR · all live rates.

Related guides: JazzCash and EasyPaisa limits · order status guide.