How to Send Money to JazzCash or Easypaisa From Abroad (2026)

Not everyone back home has a bank account. But almost everyone has a phone. That is why many overseas Pakistanis now send money straight to a JazzCash or Easypaisa wallet. It is fast, and your family can cash out at a shop down the road.

This guide covers how it works, the limits set by the State Bank of Pakistan (SBP) and the wallets, and what to check before you send. We only use official SBP pages and the wallets' own pages. Where we could not confirm something, we say so.

Who runs these wallets?

Both are regulated bank accounts, not just phone apps.

• JazzCash accounts are run by Mobilink Microfinance Bank Limited (MMBL), according to the JazzCash terms and conditions.
• Easypaisa is run by easypaisa digital bank, according to its website.

SBP's Branchless Banking Regulations say these "branchless banking" accounts can receive home remittances, subject to the law.

JazzCash vs Easypaisa: how the money arrives

Neither page lists all the partners by name. Check that your app or exchange house shows "JazzCash" or "Easypaisa" as a payout option for Pakistan before you pay.

Step by step

Your family in Pakistan

1. Open a wallet in their own name with their own CNIC.
2. Complete biometric verification. Under SBP rules, a basic Level 0 account cannot cash in or cash out until biometric verification is done.
3. Check their account level and limits in the app or with the helpline.
4. Send you the exact name on the CNIC and the wallet mobile number.

You, abroad

1. Pick a licensed remittance app or exchange house that pays out to JazzCash or Easypaisa.
2. Enter the receiver's name exactly as it is on the CNIC, plus the wallet number.
3. Compare how many rupees will arrive, not just the fee. Our exchange rates guide explains how.
4. Keep the transaction reference. For Easypaisa, share the secret code only with the receiver.

SBP rules say every home remittance must carry the sender's name and the receiver's name, with an account number or a unique reference. So make sure the name you type matches the receiver's CNIC.

Limits: the part most people miss

Wallets have daily, monthly and yearly limits. If a transfer goes over the limit, it may not land. Here is what the official sources say.

The special remittance account (HRA)

SBP has a separate wallet account just for money from abroad. It is called the Home Remittance Account (HRA). Under the 2019 rules:

• It is a sub-account of a mobile wallet. Only money from abroad can go into it.
• There is no daily limit on money coming in, but the balance cannot go above Rs1,500,000.
• Cash withdrawal is up to Rs500,000 a month, at an agent, by home delivery after biometric check, or at a branch.
• Only Pakistani nationals can open one. One HRA per CNIC per bank.
• No opening deposit and no minimum balance.
• Existing wallet users register once. They give the expected senders, their relationship, and the countries the money will come from. If they register through the app, they must visit an agent once before any withdrawal.

We did not find a JazzCash or Easypaisa page naming its HRA product. Ask the helpline if your family should register one.

The Asaan Digital Remittance Account (ADRA)

SBP also allows an ADRA, opened online by resident Pakistanis. SBP's framework sets a Rs3,000,000 maximum balance, Rs500,000 a day cash withdrawal, Rs500,000 a day transfers out, and up to Rs1,000,000 a month of local (non-remittance) money. No business remittances are allowed. JazzCash lists an ADRA in its app menu.

Is it free?

Until 30 June 2026, SBP paid banks, microfinance banks and exchange companies to keep remittances of USD 200 or more free for both sides. Up to five free transfers a month from one sender to the same receiver through the same overseas partner counted. That scheme (TTCIS) ended on 1 July 2026. SBP told banks (Authorized Dealers) to keep eligible remittances free anyway. Our exchange rates guide has the details.

The 2026 letter puts that duty on Authorized Dealers. It was also sent to microfinance banks, which run these wallets. But it does not say in words that microfinance banks must keep remittances free. So check the fee in your app before you send.

Pasban prize draws and wallets

SBP launched the Pasban Remittance Reward Scheme on 25 September 2026. The receiver gets one entry for every USD 100, if they receive at least USD 100 each month for three months in a row in a quarter. The first draw is on 15 January 2027. It came after the Sohni Dharti points scheme stopped giving new points on 1 July 2026. If you still have Sohni Dharti points, our guide to redeeming them before 30 June 2027 explains the deadline.

The press release says the money must arrive "into a bank account". It does not mention wallets. We could not confirm whether JazzCash or Easypaisa remittances count. If the draw matters to you, ask the wallet's helpline, or send to a bank account instead. Our Roshan Digital Account guide covers bank options for overseas Pakistanis.

Things a wallet cannot do

• Send money abroad. SBP rules do not allow cross-border outward remittances from branchless banking accounts.
• Take business payments as "home remittance". ADRA rules ban commercial remittances.
• Replace a declared cash carry. If you are flying home with cash instead, see our cash limit guide.

Safety tips

• Use only licensed channels. Hundi and hawala give you no protection.
• Never share the wallet PIN (MPIN) or any OTP with anyone, even someone who says they are calling from the wallet company.
• If money does not arrive, first ask the remittance company for the status. Then call the wallet helpline with the reference number.

What we could not confirm

• Level 1 limits. JazzCash shows Rs100,000 a day and Rs300,000 a month. SBP's 2019 rules show Rs50,000 and Rs200,000. We did not find the SBP notice behind the higher figures. JazzCash's remittance page also shows a different Level 1 table from its own T&C.
• Easypaisa limits and steps. Easypaisa's website was down when we checked on 23 October 2026. Its remittance details here come from an archived copy dated 15 February 2026.
• Fees after July 2026. Whether microfinance-bank wallets must keep remittances free now that TTCIS has ended.
• Pasban. Whether a wallet counts as "a bank account" for the draw.
• Partner lists. Which apps and exchange houses pay out to each wallet today.
• Cash-out charges. Agent cash-out fees are in each wallet's schedule of charges. We did not check those.
• HRA tagging. Whether remittances are kept separate from normal wallet limits automatically.

This guide explains the rules. It is not financial or legal advice. The wallet provider and SBP make the final decision. Last checked 23 October 2026.