These are the 7 Best Mobile Banking Services in Pakistan

Only 18% of Pakistan’s population (35 million) has access to an internet connection and major chunk of web traffic, almost 73%, comes from mobile and tablet devices. Mobile devices (smartphones and tablets) have clearly been the main driving force behind the country’s recent surge in internet users, which has almost doubled from 2016.

Taking note of mobile’s influence over the Pakistani population, a lot of mobile-wallet options have popped up during the past few years. These services offer anything from online transactions to quick and easy transfers using NFC to online bill payments and much more.

Here are 7 mobile wallet services that you can use in Pakistan,

1. EasyPaisa

An EasyPaisa mobile account is an easy to use actual bank account, available for anyone to access from their own mobile phones at any time.

How to open easypaisa account?
  • Telenor Subscribers can open an account simply by dialing *786#
  • Non-Telenor Subscribers can open their account by sending ‘EP<space>CNIC number’ to 0345-111-3737.
  • Subscribers will receive a confirmation SMS from 3737 on successful activation of their Easypaisa Account.
  • You can also visit any of the Telenor Franchises, Telenor Sales and Service Centers, Telenor Bank branches or Telenor Bank Sales and Service Centers.
  • To open your mobile account online, Click here

For more details, you can visit this link.

Mobile Account Features 
  • Bill Payments
  • Money Transfer
  • Easyload
  • Insurance
  • International Home Transfer
  • Savings
  • Handset Financing
  • ATM Card
  • Donations
  • Phone Banking
  • Campaigns
  • EasyPaisa app

Download Easypaisa for Android | iOS

EasyPaisa Shop Features
  • Money Transfer (with higher limits)
  • Bank Transfer
  • Bill Payments
  • International Transfer

Find an easypaisa shop near you

2. JazzCash

An online payment solution from one of Pakistan’s largest mobile operators, Mobilink, JazzCash also offers mobile wallet services.

How to Open JazzCash mobile account?

JazzCash Mobile Account can be registered on any mobile number by visiting any Mobilink Microfinance Bank Branch, Jazz Franchise or Business Center and JazzCash Agents spread across Pakistan.

If you are a biometric-verified customer of Jazz andWarid, you can also self-register their Mobile Account simply by dialing *786#. Others needs to visit Jazzcash retailers to open their account.

Mobile Account Features
  • Deposit Money
  • Retail Purchase
  • International Remittance
  • Savings
  • Insurance
  • Mobile Load
  • Payments
  • Bill Payment
  • Money Transfer
  • JazzCash Mobile App

Download JazzCash for Android | iOS

JazzCash Shop Features
  • Mobile Account Services
  • Money Transfer
  • Bill Payment
  • Payments
  • Insurance

Find a JazzCash shop near you

3. Zong PayMax

Zong’s mobile wallet solution, PayMax gives you an exciting banking experience. All your financial transactions are just a few taps away.

How to open Zong Paymax account?

Anyone with an active ZONG SIM registered in their own name can open a Zong PayMax account by visiting a PayMax shop or Zong outlet.

Mobile account
  • Local Money Transfer
  • Utility Bill Payment
  • Cash Deposit
  • Cash Withdrawal
  • Mobile Account Top Up
  • Retail Payments

Download PayMax for Android

PayMax shops

Find a Zong PayMax Shop near you

4. Keenu Wallet

A digital wallet for your smartphone, Keenu’s payment app lets you make quick and free transactions from your phone.

All you need is a mobile number to register yourself, then transfer some money into your account through online making or making a cash deposit at the nearest bank branch and you are good to go.

How to open Keenu wallet account?

Download the app from the link given below and register using your phone.

Mobile Account
  • Shop at hundreds of stores and outlets with exclusive deals, offers and cashbacks
  • Bill Payment
  • Transfer Money
  • Request payments from other people

Download Keenu for Android | iOS

5. uPaisa

A UPaisa mobile account is an easy to use actual bank account, available for Ufone subscribers to access from their own mobile phones at any time.

How to open uPaisa mobile account?

UPaisa Mobile Account can be opened simply by dialing *60# or visiting any Ufone service center, Ufone franchise, Ubank branches or selected Upaisa Agents along with your CNIC and Ufone SIM.

Mobile Account
  • Transfer money to another mobile account
  • Transfer money to a person (CNIC)
  • Transfer money to other banks (IBFT)
  • Pay Utility Bills
  • Make donations
  • Make online purchases
  • Purchase Ufone Supercards
uPaisa Shops
  • UPaisa transactions

Find a UPaisa shop near you

6. UBL Omni

 

Customers across Pakistan can now open a basic UBL Omni bank account at any UBL Omni Dukaan of their choice, whether close to their home or place of work. All they need is their CNIC and mobile phone number.

How to open ubl omni mobile account?

A UBL Omni account can be opened by visiting a UBL Omni Dukaan with your original CNIC and initial deposit amount (Rs.100 minimum). You can find more details by visiting this link.

Mobile account

  • Scan & Pay (Funds Transfer & Payments to Omni/UBL branch Accounts/Merchant Accounts via QR
  • Fund Transfer between your UBL Branch & Omni Account
  • Send Money to Other Omni Account (with or without Life Insurance)
  • Send Money to CNIC/Person (with or without Life Insurance
  • IBFT
  • Bill payment
  • Mobile Top Up
  • Buy Voucher
  • Withdraw Cash
  • Payment of Zakat & Donation
  • Payment of Online Shopping
  • Merchant Payments
  • Pakistan Railway ticket payment
  • Check Account statement
  • View Mobile App Transactions
  • Set nick
  • View UBL Masterpass transactions
  • Balance check
  • View their Account IBAN
  • Check Account limits

Download UBL Omni for Android

Omni shops

  • Account Opening
    • Biometric account opening
    • Non biometric account opening
  • Cash Withdrawal
  • Cash Deposit
  • Merchant Payments
  • Instant issuance/re-issuance of Omni Debit Cards
  • Funds Transfer
    • Account to Person Transfer (Biometrically/Non Biometrically)
    • Person to Person Funds Transfer (Send or receive money)
  • Cash Deposit and Withdrawal to UBL Account
  • Inter Bank Fund Transfer (IBFT) to other banks’ accounts
  • Bill Payment (Utility/Postpaid/Broadband)
  • Railway e-Ticketing
  • Mobile Voucher / Top up Purchase
  • Online Shopping payment
  • Collections / Disbursements
  • Zakat & Donations
  • E-Ticketing Payments for transport services
  • WIZ card re-load
  • Omni Term Life insurance

Find a UBL Omni shop (Dukaan) near you

7. SimSim

SimSim is a digital wallet solution built by Finja, a Pakistani startup that recently raised $1.5 million in funding. It promises free real-time payments through an E-wallet account.

How to open Simsim account?

To create a SimSim account you have to download its app from the Play Store or Apple AppStore from the link given below.

Once installed, you just have to complete a sign-up form that will ask for your name, CNIC, father’s name and mother’s name.

Mobile Account Features
  • ATM Card
  • Scan & Pay using QR codes
  • Send money to other SimSim users
  • Account Management
  • EasyTickets
  • Bill Payments
  • Request Money from other SimSim users
  • Gift Vouchers

Download SimSim for Android | iOS

Image — FarmersSavings


  • All of these are digital payment solutions yet none of these offer services for international shopping (After Easypaisa vcc is gone)

    • UBL omni account offers UBL net banking facility and through which you can Order UBL WIZ VISA DEBIT CARD ( the best available Visa debit card). Wiz card can be use internationally.

      • UBL omni account offers UBL net banking facility and through which you can Order UBL WIZ VISA DEBIT CARD ( the best available Visa debit card). Wiz card can be use internationally on online merchants like google play, ali express etc

  • So many solutions, but yet so little retailers out there that accept mobile payments. These companies now need to invest on marketing to the retailers.

      • Asjad Jamshed
        Yes very true, in india we prefer mobile wallets like PayTM etc as you it is easier than taking out cash from wallet/pocket/purse. Just sacn QR code, or touch the paypanel for NFC PoS machines. And no hassles of “change nahi hai”, and most often shops and Mobile Wallet companies give cashback or discounts for paying with mobile Wallets. I buy milk petrol, meat, groceries, bills, Cabs like Uber, Ola etc even Autorickshaws all using mobile Wallet, replacing much of card usage. Cash usage has gone down sharply in India.

        Hope Pakistan also increases mobile wallets due to it’s many advantages.

  • Who did this survey??? Who say that easypaisa mobile banking service is one of the best in pakistan!!!! Often there system remain down!!!! I think mobile banking system is totally fail for commerical and busy mans.


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