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Send Money To
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Send Money
Send Money To Anyone

Zindigi offer multiple secure options to send money to your loved ones i.e. Zindigi transfer, Bank transfer, CNIC transfer – whatever works best for you.

 

 

Zindigi Transfer

Send money to anyone with Zindigi Account free of charge.

 

Zindigi transfers can only be performed to Zindigi users to Zindigi users.

Funds are received instantly; you will receive SMS and push notification of the funds transfer.

No, there aren’t any charges for Zindigi transfer.

Your mobile number is your Zindigi account number.

You can view your account type and transaction limits from the settings menu on the top left of your home screen. You will automatically be assigned a basic account with basic limits. To upgrade accounts and limit biometric verification is required.

Tap on the Transfer Money

Tap on Zindigi

Enter Information

Transaction Successfull

Bank Transfer

Send money to anyone from one bank account to another bank account with security.

 

Yes, you can make bank transfer to all the banks in Pakistan.

You can perform bank transfers on the account number as well as on the IBAN on the bank.
Yes, if the monthly transfer amount exceeds Rs.25,000 then 0.1% of the transaction amount or Rs.200, whichever is lower, will be charged to the user. This fee is charged by 1Link on bank transfers.
You can view your account type and transaction limits from the settings menu on the top left of your home screen. You will automatically be assigned a basic account with basic limits. To upgrade accounts and limit biometric verification is required.
Your Zindigi account IBAN is generated automatically. You can find it in the settings menu of your app.

Tap on the Transfer Money

Tap on Bank Transfer

Enter Information

Transaction Successfull

CNIC Transfer

Send money to anyone with a valid CNIC.

 

Funds can be withdrawn through Zindigi agents.

No, CNIC transfer can only be performed for users who are not registered with Zindigi.
Yes, please visit our schedule of charges for the CNIC transfers charges.
CNIC transfers are instant.


No, funds need to be withdrawn from Zindigi agent.

Recipients will receive a message on their mobile number once the transfer is completed.

 

Tap on the Transfer Money

Tap on CNIC Transfer

Enter Details

Transaction Successfull

Raast

Raast is Pakistan’s first instant payment system that will enable end-to-end digital payments among individuals, businesses, and government entities instantaneously. Raast provides cheap and universal access to all players in the financial industry including commercial banks, microfinance banks, government entities and FinTech.

 

Please make sure your mobile number is not linked with Raast another bank account before linking it with Zindigi.
No, only mobile number linked with your account can be linked with Raast for Raast ID.
Yes, Raast ID can be delinked through Raast ID management.

You need to have a mobile number of recipients registered with Raast or IBAN of the recipient to perform the Raast transfer.

Raast transfers are instant, you will receive funds instantly in your account

No, Raast transfers are free of charge.

 

You can view your account type and transaction limits from the settings menu on the top left of your home screen. You will automatically be assigned a basic account with basic limits. To upgrade accounts and limit biometric verification is required.

Tap on the Transfer Money

Tap on CNIC Transfer

Enter Details

Transaction Successfull

ID Management
Tap on the Transfer Money
Tap on Raast
Tap on ID Management
Link Account with Raast

Got Question?

We are here to help you!
What can I do with my Zindigi debit card?

Once you activate your Zindigi debit card you can use it:

  1. Mastercard Debit Card at Local and International ATMs for Cash withdrawal
  2. Mastercard Debit Card for for Shopping in store and online purchases, Paypak for Inshore purchases
  3. For international transactions when you upgrade to Zindigi Ultra account through Mastercard Debit Card
You can order a Zindigi debit card through the Zindigi App. You have the option to choose between a Mastercard or PayPak card.
It takes up to 7 working days for your debit card to arrive. In case there’s a delay please call 051-111-556-677 or connect with our agent through the in-app chat option.
Before you can activate your card, you’ll need to biometrically verify yourself to upgrade your account at bank branches, you can also get your account biometrically verified by using JS Zindigi BVS App on Google Store and Apple Store. Once you receive your debit card, you can activate it through the Card Management section in your app. You can also activate your debit card by calling 051-111-556-677
You can create your Zindigi debit card PIN through the Manage Card option in your Zindigi App
You can temporarily block your debit card from the Card Management section in your Zindigi App. To permanently block your debit card, please call 051-111-556-677
You can order a Zindigi debit card for Rs. 1,000.
In this scenario, you will have to call 051-111-556-677 and provide details for the card to be dispatched to you again. In case your card is returned for the second time, you will have to order a new debit card through the app and the fee for your 1st card will not be refunded.

Got Question?

We are here to help you!
What is a Zindigi account?

Zindigi account is a bank account tagged against your mobile number, which can be operated through your mobile phone. Through Zindigi account, you can perform various financial transactions such as Cash Deposits, Funds Transfer, Bill Payments, Voucher Payments, School Fee payments, Investments, Government Payments and many more anytime, anywhere!

  • You can view your account type and transaction limits from the settings menu on the top left of your home screen.
  • When you open your remote Zindigi account by downloading the app, you will automatically be assigned limits of basic account. In order to upgrade limits a biometric verification is required.

You can increase your daily sending and receiving limits by upgrading your account from basic to advanced level. You would need to perform biometric verification at one of our agent locations or JS branches.

 

Zindigi application is available for free on Play Store and App Store. The charges for performing different transactions are mentioned in Zindigi Schedule of Charges section.

 

Through Zindigi account, you can perform a variety of transactions such as Funds Transfer, Bill Payments, airtime top up (prepaid and postpaid) e-voucher Payments, School & Government Fee, Ticket payments and Investments.

 

All transactions are instant. A confirmation SMS is also received on all transactions from 9991, along with an app notification.

 

Transaction history up to 90 days is available in the app.

You can open one Zindigi account against a single CNIC or mobile number.

 

No, there are no fees to use the Zindigi account.

Your Zindigi account is secure with your 4-digit PIN. If you want to block your account after losing your phone, please call us at UAN 111556677.

Money can be deposited using any of the below channels:

  • Deposit Cash by visiting any of our Zindigi authorized agent.
  • Transfer Funds through Internet Banking of your respective bank using IBFT.
  • Simply choose Zindigi Wallet and add your Mobile Number in the account number.
  • Link your debit card to pull funds in your Zindigi app

You can withdraw money by

  • Using your Zindigi debit card at any JS Bank or 1Link ATM network across Pakistan.
  • Visiting any Zindigi authorized agents for cash withdrawal. (For Basic Zindigi account, Biometric verification is mandatory for Debit Card issuance & cash deposit/withdrawal at agent location)
In case you forget your PIN, simply go to ‘FORGOT PIN’ on the login screen and follow the instructions to reset your PIN.
Zindigi mobile application is available for free on Play Store and App Store. The charges for performing different transactions are mentioned in Zindigi Schedule of Charges.
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| Last updated: 03-04-2025