Whether it’s family support from abroad or your hard-earned freelance income, we make sure your money reaches you quickly, securely, and without hassle. Hold your earnings in foreign currency, convert them at the best rates, or get paid instantly through easy payment links — Zindigi keeps global payments effortless and stress-free.
A Home Remittance Account (HRA) is a specialized Zindigi account that enables you to receive secure, legal, and fast international remittances sent by your loved ones abroad, directly into your account.
You can only receive international remittances under the purpose of family support in your HRA. Other types of payments (such as freelance earnings or business payments) are not allowed in this account.
If you want to receive freelance or business payments, you’ll need to open a Zindigi Ultra Freelancer Account instead.
Not always
It’s quick and simple via the Zindigi app:
Your HRA will be created instantly, and your remittance will be credited as soon as it arrives.
| Transaction Type | Limit Type | Minimum (PKR) | Maximum (PKR) |
| Debit (Daily) | Daily | 1 | 500,000 |
| Credit (Daily) | Daily | 1 | 1,500,000 |
| Debit (Monthly) | Monthly | 1 | 500,000 |
| Credit (Monthly) | Monthly | 1 | 1,500,000 |
| Debit (Yearly) | Yearly | 1 | 6,000,000 |
| Credit (Yearly) | Yearly | 1 | 6,000,000 |
| Maximum Balance | Balance Cap | 1 | 1,500,000 |
Your remittance will be directly credited into your HRA. From there, you can instantly transfer funds to your regular Zindigi account through the app.
Your remittance will be held temporarily.
If you are unreachable for 2 working days, your remittance will be returned to the sender. Please keep your registered number active to avoid delays.
No, it’s completely free of cost.
No, the HRA is only for receiving and transferring international remittances. Once funds are in your Zindigi account, you can use them freely.
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