When you send or spend money abroad with a credit, debit, or prepaid card, the FBR applies a withholding tax. Many Pakistanis are unaware of how much tax applies or whether they are being overcharged. To solve this confusion, our Remitted Abroad Tax Calculator provides instant, accurate results using updated Tax Year 2025 rates.

In this guide, you will learn how the tax works, how much you are charged, the FBR rules for 2025, and how the Remitted Abroad Tax Calculator can simplify your financial planning.

Table of Contents

Below are the official rates from your uploaded image for Section 236Y: Advance Tax on Amount Remitted Abroad Through Credit, Debit or Prepaid Cards:

These rates apply when:

• You spend internationally online
• You withdraw cash abroad using Pakistani cards
• You make cross-border subscription or service payments

This is the basis of the Remitted Abroad Tax Calculator.

What is the remitted abroad Tax in Pakistan?

Foreign Remittance Tax (under section 236Y) is a withholding tax deducted by banks when:

• You swipe your Pakistani card abroad
• You pay for an international website or service
• You use a prepaid card (Payoneer, SadaPay, NayaPay Visa, UBL Wiz, HBL Prepaid, etc.)
• You send money via card-based methods to a foreign bank or merchant

This tax helps FBR monitor and regulate foreign exchange usage.

How the Remitted Abroad Tax Calculator Works

The Temitted Abroad Tax Calculator is designed to instantly show:

• Exact tax amount
• Total cost after tax
• Rate (ATL or Non-ATL)
• How much can you save by staying on the ATL

Formula Used:

For ATL Users

Tax = Amount × 5%

For Non-ATL Users

Tax = Amount × 10%

The calculator makes sure users don’t need manual calculations.

Who Should Use the Remitted Abroad Tax Calculator?

This tool is helpful for:

• Freelancers subscribing to international tools
• Students paying foreign university fees
• Travellers spending abroad
• E-commerce buyers are paying international merchants
• Users of Payoneer, JazzCash Payoneer Debit Card, SadaPay Visa, and NayaPay Visa
• Investors sending money abroad
• Anyone using international digital services (Netflix, Google Ads, Facebook Ads, etc.)

Remitted Abroad via Credit, Debit & Prepaid Cards

(Focus Keyword Used)

FBR specifically targets card-based foreign transactions, including:

1. Credit Cards

Used for international flights, hotel bookings, online shopping, or foreign subscriptions.

2. Debit Cards

Banks deduct the tax automatically during international POS or online transactions.

3. Prepaid Cards

Includes:

• SadaPay Visa
• NayaPay Visa
• UBL Wiz
• HBL Prepaid
• Payoneer Cards
• JazzCash UnionPay Virtual Card

These are widely used in Pakistan, especially by freelancers and online buyers.

Tax Calculation Examples (2025)

Example 1: ATL User

Amount sent abroad = $200
PKR rate = 60,000 PKR

Tax = 60,000 × 5% = 3,000 PKR

Example 2: Non-ATL User

Amount sent = 60,000 PKR

Tax = 60,000 × 10% = 6,000 PKR

Example 3: Subscription (Netflix, Canva, ChatGPT, Amazon Prime)

Monthly fee = 3,000 PKR

• ATL Tax: 150 PKR
• Non-ATL Tax: 300 PKR

Benefits of the Remitted Abroad Tax Calculator

• Quick and accurate tax estimation
• Helps avoid unnecessary overcharges
• Shows ATL & Non-ATL comparison
• Supports all bank cards
• Helps freelancers and students manage expenses better
• Updated according to FBR's 2025 tax policy

Difference Between Remitted Abroad & Withholding Tax

Is the Remitted Abroad Tax Refundable?

Yes — but only if you are an ATL filer.

How to claim back?

1. File your annual tax return
2. Add 236Y deductions from your bank statement
3. FBR will adjust or refund the amount

Non-ATL users cannot get a refund.

Tips to Reduce International Transaction Costs

• Stay on the FBR ATL list (saves 50% tax)
• Use local service alternatives where possible
• Use debit/prepaid cards instead of credit cards
• Avoid unnecessary foreign subscriptions
• Track tax through bank app notifications
• Use the Remitted Abroad Tax Calculator before making payments

The Remitted Abroad Tax Calculator is an online tool that helps Pakistani users calculate the exact tax charged under Section 236Y when sending or spending money abroad using credit, debit, or prepaid cards. According to the FBR’s 2025 tax policy, all foreign transactions made through Pakistani bank cards are subject to a withholding tax of 5% for ATL filers and 10% for non-ATL users. This tax is applied instantly during international payments, POS transactions, online subscriptions, and foreign ATM withdrawals.

The Remitted Abroad Tax Calculator simplifies the process by allowing users to enter the amount they are sending abroad and instantly see the tax amount, total payable amount, and how much they can save by being on the ATL list. It works for all debit cards, credit cards, and prepaid cards, including Payoneer, SadaPay, NayaPay, and traditional bank cards.

This calculator is particularly helpful for freelancers, students paying international fees, travellers, e-commerce shoppers, and anyone who regularly uses international services like Netflix, ChatGPT, Canva, Facebook Ads, or Google Ads. It ensures transparency and prevents banks from deducting hidden charges.

Many users also rely on this tool to estimate tax refunds because ATL filers can claim back 236Y deductions when filing tax returns. Non-ATL users, however, cannot get a refund.

In short, the Remitted Abroad Tax Calculator gives clarity, control, and accuracy — helping Pakistanis make informed financial decisions before making international payments.

Conclusion

The Remitted Abroad Tax Calculator is essential in 2025 for anyone who spends money internationally. With FBR’s strict tax policies on foreign transactions, knowing your exact tax amount can save you money and help you make better financial decisions. Whether you are a freelancer, traveller, student, or online shopper, this calculator ensures transparency and accuracy.

FAQs

1. What is the tax rate on Remitted Abroad in Pakistan (2025)?

ATL: 5%, Non-ATL: 10% on all card-based foreign transactions.

2. Does Section 236Y apply to Payoneer cards?

Yes, Payoneer debit card transactions also fall under this tax.

3. Is the Remitted Abroad tax refundable?

Yes, fully refundable for ATL users through annual tax returns.

4. Which transactions are taxed under 236Y?

Online international payments, foreign POS transactions, foreign ATM withdrawals, and cross-border digital subscriptions.

5. Will the Remitted Abroad Tax Calculator work for all banks?

Yes, it supports HBL, UBL, MCB, Meezan, Bank Al Habib, SadaPay, NayaPay, and all prepaid cards.

Muhammad Ahsan

I, Muhammad Ahsan, am a tax and finance content specialist focused on building accurate and easy-to-use tax calculators for Pakistan. My research on FBR tax laws converts them into simple tools and guides to help individuals and businesses calculate taxes with confidence.