Transparent FX rate
We offer a transparent FX rate with no hidden markups.
Vavita × Zindigi
Pay your overseas tuition fees conveniently in Pakistani rupees (PKR).
A safe, simple way to pay your university fees from Pakistan. Pay in rupees directly from your Pakistani bank account, and your university receives exactly the amount invoiced at the best exchange rate in the market.
Supporting tuition payments to 300+ universities in the US, UK, Europe, Australia, and Canada.
and many more
Why families and agents choose Vavita
Regulated & Compliant
Through our strategic partnership with Zindigi, a digital financial platform operated by SBP-regulated JS Bank, Vavita delivers a secure, compliant, and cost-effective pathway for Pakistani students to pay tuition abroad.
Direct to University Payment
No cash handling. All payments are electronic and go straight to your intended university's bank account.
Real-time tracking
Monitor the payment routing for assurance and get dedicated human support when needed.
Get your offer letter right on time.
Pay in 4 simple steps
Tell us about your transfer
Share your University account details, the amount, and provide the required documents.
Invoice generated
We verify your details, send a simple invoice, and it's ready to pay in rupees.
Pay through the Zindigi mobile app
Don't have a Zindigi account? Download the app today and sign up in less than 3 minutes.
University receives payment
Your payment goes straight to the university, tracked within your comfort.
Your data and money are protected
Your personal information is encrypted and handled to bank-grade standards, so you can pay with confidence.
Vavita, a regulated payments platform helping students and families pay tuition, accommodation, and living expenses abroad in Pakistani rupees through a State Bank of Pakistan (SBP) approved process and Zindigi, JS Bank’s premier digital banking app, have joined forces to simplify international education payments. With your data fully protected under strict regulatory standards, you can focus less on transfers and more on your journey ahead.
Clear pricing, shown upfront
You'll always see the total amount and the exchange rate up front, before you commit to anything. No surprises on payment day.
- Transfer fee
- None
- Exchange rate
- One spread, shown in your quote
- Charges on the way
- None: the university receives the full amount
- Arrives
- Usually within 0–3 business days
- Tracking
- Every step in your Vavita account
- Transfer fee
- Often charged on top
- Exchange rate
- Markup rarely shown
- Charges on the way
- Intermediary banks may deduct fees
- Arrives
- Depends on the banks in between
- Tracking
- Usually none once it leaves
Where you can send tuition payments
From Pakistan to universities across the UK, the US, Europe, Canada, Australia and New Zealand.
- United Kingdom
- Europe
- Canada
- United States
- Australia
- New Zealand
What families can count on
Fair & Transparent Rates
Pay in rupees directly through the Zindigi app with zero hidden fees, so you never overpay for your transfer.
Direct & Secure Delivery
Your money moves electronically straight to your university’s bank account, so your funds are completely safe every step of the way.
Fast, On-Time Processing
We ensure your tuition and living expenses arrive promptly so you never miss an institutional payment deadline.
Real Local Support
Have questions? Get live support from our dedicated Pakistani team, ready to help whenever you need it.
Frequently asked questions
What is Zindigi, and why do I pay through their app?
Zindigi is a top digital payment provider, affiliated with JS Bank. You pay in rupees in the Zindigi app through the Vavita payment option, and Vavita then sends the funds directly to your university.
Is my money and personal data safe with Vavita and Zindigi?
Yes. Vavita is a trading name of Istimar Tech Limited, a Money Service Business registered with FINTRAC in Canada, and we are subject to strict regulations about how we handle your funds and your data. We use state-of-the-art encryption and stringent security protocols to protect your transactions and personal information.
How long does a transfer take, start to finish?
Payments are typically processed and delivered to the university within 0 to 3 business days, depending on the payment method and the destination country.
What documents do I need to provide?
You will need standard documentation for KYC purposes, such as your personal details, your university's account details and the amount to be paid. Additional documents may be required depending on the payment method.
What happens if my details can't be verified?
We may ask you for additional documentation so we can complete our verification checks. If you need help, contact our support team at team@vavita.com.
What if my payment fails or is delayed?
Contact our support team straight away at team@vavita.com. You can also follow the status of your payment in your Vavita dashboard, which shows real-time updates.
What fees and exchange rate will I pay?
There are no fees for using Vavita to send funds overseas. We charge a small spread on the exchange rate, and it is fully included in the quote you see before you confirm, so what you see is what you pay. Certain charges may apply, for example when a refund is needed or if the details provided were inaccurate.
Can I track the status of my payment?
Yes. After you start a transfer, you can monitor its status in your Vavita account dashboard, which provides real-time updates.
Who do I contact if I need help?
Email team@vavita.com.
Is this regulated? What does SBP approval mean for me?
Vavita is a trading name of Istimar Tech Limited, a Money Service Business registered with FINTRAC in Canada. This service is approved by the State Bank of Pakistan, which means it operates under strict regulations on how your funds and data are handled.
Ready to send your tuition payment?
Approved by the State Bank of Pakistan (SBP) · Powered by JS Bank's Zindigi