Simple charges. No surprises.
Most of what you do with ApnaPay is free. Where there is a charge, you always see it in the app before you pay.
What it costs to use ApnaPay.
All amounts are in Pakistani Rupees and include taxes where they apply.
| Service | Charge | Details |
|---|---|---|
| Account | ||
| Account opening | Free | No minimum balance |
| CNIC verification (Level 1) | Free | Done in the app with NADRA |
| Virtual debit card | Free | Issue, activation and yearly fee |
| Mini statement and e-receipts | Free | Any time in the app |
| Send money | ||
| ApnaPay to ApnaPay | Free | Instant, using a mobile number |
| Bank transfer | Free | 16 banks, 6 microfinance banks and 4 wallets |
| Raast payment | Free | Raast ID or Raast QR |
| CNIC transfer | 1% of amount | At least Rs 30, at most Rs 200Example: sending Rs 10,000 costs Rs 100 |
| Payments | ||
| Utility bills | Free | Electricity, gas, water, internet and landline |
| Mobile load (prepaid) | Free | Jazz, Zong, Ufone and Telenor |
| Postpaid mobile bill | Free | All 4 networks |
| Bundles | Free | You pay only the bundle price set by the network |
| QR and tap to pay | Free | In shops, online and at the counter |
| Add money | ||
| Cash in at an agent | Free | Any ApnaPay agent or Al Makkah Telecom outlet |
| From a debit card | Free | Visa, Mastercard and PayPak |
| From a credit card | 1.5% of amount | Shown before you confirmExample: adding Rs 2,000 costs Rs 30 |
| Receive from a bank (IBAN) | Free | From any bank app or internet banking |
Charges can change. We will tell you in the app at least 30 days before any change. The charge for each payment is always shown on the review screen before you enter your MPIN.
How much you can send and keep.
Your limits depend on your account level. Verify your CNIC in the app to move up in about two minutes.
Basic
Just your mobile number and OTP.
- Daily limit
- Rs 25,000
- Monthly limit
- Rs 50,000
- Max balance
- Rs 200,000
Verified
Verify your CNIC with NADRA in the app.
- Daily limit
- Rs 100,000
- Monthly limit
- Rs 500,000
- Max balance
- Rs 1,000,000
Premium
Biometric check at any ApnaPay agent.
- Daily limit
- Rs 250,000
- Monthly limit
- Rs 1,000,000
- Max balance
- Rs 3,000,000
| Limit | Basic (Level 0) | Verified (Level 1) | Premium (Level 2) |
|---|---|---|---|
| How to get it | Mobile number and OTP | CNIC check with NADRA | Biometric check at an agent |
| Daily limit | Rs 25,000 | Rs 100,000 | Rs 250,000 |
| Monthly limit | Rs 50,000 | Rs 500,000 | Rs 1,000,000 |
| Maximum balance | Rs 200,000 | Rs 1,000,000 | Rs 3,000,000 |
| Bank and CNIC transfers | Yes | Yes | Yes |
| Virtual debit card | Yes | Yes | Yes |
Daily limits reset at midnight. Monthly limits reset on the 1st of every month. Money you send and money you spend both count toward your limits.
Virtual card limits
Your card uses your wallet balance. You also set your own monthly card limit in the app.
- Default monthly limit: Rs 50,000
- Change it any time in Cards, from the limit slider
- Online payments can be turned off when you do not need them
Have a question about a charge?
If you think you were charged by mistake, open the payment in Activity and tap "Report an issue". You will get a ticket number and we reply within 2 working days.
Contact supportOpen your free ApnaPay account in 2 minutes.
All you need is a mobile number. Verify your CNIC later to unlock higher limits.
Scan to downloadPoint your phone camera at the code
