Everything you need, in one simple app.
Send money, pay bills, buy load, shop online and pay in stores. ApnaPay puts your everyday payments in your pocket, in English and Urdu.
One wallet. Every payment.
Here is everything you can do with ApnaPay. Most services are free.
Send money
Send to any ApnaPay wallet using a mobile number. It arrives in seconds.
FreeBank transfer
Send to 16 banks, 6 microfinance banks and 4 wallets across Pakistan.
FreeCNIC transfer
Send money to anyone with a CNIC. They collect cash from an agent.
1% fee, Rs 30 to Rs 200Receive money
Share your QR code, payment link or IBAN to get paid by anyone.
FreeBill payments
Electricity, gas, water, internet and landline bills, fetched live.
FreeLoad and bundles
Prepaid load, postpaid bills and bundles for Jazz, Zong, Ufone and Telenor.
FreeScan to pay
Pay shops with ApnaPay, merchant and Raast QR codes.
FreeVirtual debit card
Shop online, set limits, freeze the card and tap to pay in stores.
FreeAdd cash
Add money at any agent or from a linked debit or credit card.
Free by agent or debit card
Send money to anyone on ApnaPay. Free.
Pick a contact or type any mobile number. Enter the amount, add a note if you like, and confirm with your MPIN. The money arrives in seconds.
- No fee. Wallet to wallet transfers are always free.
- Recent and contacts. Your phone contacts show who already uses ApnaPay.
- Not on ApnaPay yet? Invite them, or send to their CNIC for cash pickup.
- E-receipt. Share proof of payment as an image on WhatsApp.
Send to any bank account in Pakistan.
Choose a bank, enter the account number or IBAN and we show you the account title. Pick a purpose of payment and send. Simple and safe.
- 16 banks. All the big commercial and Islamic banks.
- 6 microfinance banks. Including Khushhali, Mobilink, Telenor and U Microfinance.
- 4 wallets. JazzCash, Easypaisa, SadaPay and NayaPay.
No account? Send money to their CNIC.
Your family back home does not need a phone or a bank account. Send to their CNIC and they collect cash from the nearest ApnaPay agent.
Enter their details
Add the receiver's CNIC number, mobile number and name.
Pay with your MPIN
Check the amount and fee, then confirm. They get an SMS with a code.
They collect cash
They show their CNIC and code at any ApnaPay agent and take the cash.
Fee is 1% of the amount, at least Rs 30 and at most Rs 200. See all charges
Get paid the way people want to pay.
Your ApnaPay account comes with a QR code, a wallet number and a full IBAN. Share any of them and get paid from any bank or wallet.
- Personal QR. Add an amount if you want and share it in any chat.
- Your own IBAN. People can send money to you from any bank app.
- Payment link and requests. Ask a contact to pay you and they get a notification.
All your bills, paid in two taps.
Pick a company, type your reference number and we fetch your bill live. You see the name, amount and due date before you pay.
| Electricity | LESCO, MEPCO, IESCO, FESCO, GEPCO, PESCO, HESCO, SEPCO, QESCO, K-Electric |
| Gas | SNGPL, SSGC |
| Water | WASA Lahore, WASA Faisalabad, WASA Rawalpindi, KWSC |
| Internet | PTCL Flash Fiber, Nayatel, StormFiber, Wateen |
| Landline | PTCL, NTC |
- Save your bills. Give them a name like "Home" and pay again in two taps.
Never run out of balance again.
Load any number on any network. ApnaPay finds the network from the number, and if the number was ported you can pick it yourself.
- Prepaid load. From Rs 20, for yourself or anyone else.
- Postpaid bills. Fetch and pay your monthly mobile bill.
- Bundles. Daily, weekly and monthly data, call, SMS and all-in-one bundles.
Scan karo, pay karo.
Tap the scan button in the middle of the app and point your camera at any QR code. ApnaPay reads it and shows who you are paying.
- ApnaPay and merchant QR. Pay shops that use ApnaPay.
- Raast QR. Pay the QR code from any bank app in Pakistan, free.
- Fast and safe. You see the name and confirm with your MPIN.
Your free card for online shopping.
Every ApnaPay account gets a virtual debit card. Activate it with your MPIN and start paying on websites and apps in seconds.
- Monthly limit. Choose how much the card can spend each month.
- Online payments on or off. Turn them off when you do not need them.
- Freeze and unfreeze. One tap, any time.
- Tap to pay. Pay at contactless card machines with your phone.
VIRTUAL · DEBITThree easy ways to add money.
Top up your wallet the way that suits you. Agent cash in and debit cards are free.
At an ApnaPay agent
Visit any Al Makkah Telecom outlet or ApnaPay agent. Give your number and the cash, and it shows in your wallet in seconds.
FreeFrom a debit or credit card
Link your Visa, Mastercard or PayPak card once. After that, add money any time in two taps.
Debit card free. Credit card 1.5%.From any bank account
Share your ApnaPay IBAN. Anyone can send money to your wallet from their bank app or internet banking.
Free
Know where every rupee goes.
Every payment shows up in your activity with its status. Search, filter and download a mini statement any time.
- Clear status. Successful, pending, failed, reversed or refunded, with a plain note on your money.
- Report an issue. Something went wrong? Report it from the payment and get a ticket number.
- Spending insights. See money in, money out and your top spending each month.
Open 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
