Zindigi Ultra

It is a full-fledged bank account that you can upgrade to digitally through the Zindigi App. You’ll need to provide your personal information and upload documents to create your Zindigi Ultra account

Currently there are no charges for opening Zindigi Ultra Account.

It will take up to 2 business days for your Zindigi Ultra account application to be processed

Yes, you need to complete your biometric verification process within 60 days to maintain your Zindigi Ultra account. In case, biometric verification is not completed within 60 days, your Zindigi account will be automatically suspended on 61st day. You will only be able to receive money but will not be able to use the account for transactions until biometric verification is performed.

No, as per PTA regulation it is mandatory for your mobile number to be registered on your CNIC/SNIC. In case it is not, you may contact your telecom provider for transferring the mobile number to your CNIC.

Freelancer account is a type of account under the SBP’s digital onboarding framework. The account enables freelancers residing in Pakistan to simultaneously open Foreign Currency Account with the PKR account under the digital onboarding framework guidelines.

Exporters’ Special Foreign Currency Account(ESFCA) are accounts allowed by State Bank of Pakistan to exporters of goods and services to receive payments in foreign currency. This way accountholders do not have to convert all of their foreign exchange earnings into PKR. Opening an ESFCA means user can simultaneously have a PKR and USD account with Zindigi.

Freelancers who reside in Pakistan and provide IT or IT related services to clients abroad can open a freelancer account.

No, the freelancer account is a non-repatriable account. This means that funds in freelancer account cannot be moved outside Pakistan in a foreign bank account.

Freelancer account can be opened through the Zindigi application by going to the menu, clicking on upgrade to ultra and selecting ultra freelancer option.

Funds can be received in USD and PKR only.

Authorized dealer is a type of financial institution that has received authorization from a relevant regulatory body to act as a dealer involved in the trading of foreign currencies.

JS Bank’s Gulberg Green’s Islamabad branch is the authorized dealer related to Zindigi Freelancer account. The AD code for the branch is 912.

Users can retain up to USD 5,000 per month or 50% of their export proceeds (whichever is higher) in their ESFCA. The remaining amount will be converted in to PKR. The limit for PKR wallet can be enhanced upon customer request.

At the moment, Zindigi only offers USD account. More currencies will be added at a later stage.

No. Funds received in USD can only be transferred to your own Zindigi PKR account. The PKR funds however, can be used to make all types of transactions including money transfer, bill payments, QR payments, etc.

Cash withdrawals in foreign currency can be made outside Pakistan only as per SBP guidelines.

The funds can be received in the freelancer account within 48 hours of Zindigi receiving the money from the remitter bank.

All you need for a Zindigi Freelancer account is:

1. An existing Zindigi account (Level 0, Level 1 or Ultra)
2. CNIC Front and Back
3. Live Picture
4. Sim registered to the same CNIC as the Zindigi account

Yes, an existing Zindigi Ultra account can be upgraded to Freelancer account by choosing the currency and submitting the application.

Ultra Signature account cannot be upgraded to a Freelancer account.

Cash withdrawals in foreign currency can be made outside Pakistan only as per SBP guidelines.

PKR balance cannot be converted into USD as per SBP guidelines.

An encashment certificate is issued by bank that has received foreign exchange from abroad on behalf of the beneficiaries. Upon every conversion initiated by a user through the Zindigi app, an encashment certificate is generated for that transaction which is essentially a transaction receipt.

Encashment certificate will be sent over user’s registered email address when a user converts their USD to PKR through the Zindigi application.

PRC ( Proceed Realization Certificate ) is the authentication/verification from the processing bank that remittance has been received and processed from an overseas arrangement.

Zindigi Freelancer Accountholders will receive a PRC at disbursement on their registered email address once their remittance has been credited into the account.

Accountholders can also request for a duplicate PRC from Zindigi’s support channels.

Yes users can make international transactions through Zindigi Freelancer account.

If a customer has not performed biometric verification before upgrading to Zindigi Freelancer account, then it is mandatory for them to perform it within 60 days of their account upgrade. Failure to do so will result in a debit block being applied until the biometric verification is done. During the debit block period, while user would be able to receive funds from different sources in their PKR and USD accounts, they would not be able to make any outgoing payments or cash withdrawals etc.

No, a freelancer account cannot be downgraded. Users who wish to do so, may be instructed to remove all money from their USD and PKR accounts and close the freelancer account and then reopen a new account on Zindigi.

Account closure for freelancer account will follow the same process as for normal L0, L1 or Ultra accounts with one addition, the balance in PKR as well as USD wallets has to be zero.

USD account has no limit. Up to $5,000 can be stored as it is while 50% of the amount exceeding $5,000 can be held in the USD account.

PKR account limits are as follows:

1. Daily: 800,000
2. Monthly: 4,000,000
3. Yearly: 10,000,000
4. No max balance limit

USD can be converted to PKR by user as well as per the daily interbank rate of USD to PKR.

Any campaigns for freelancers can be found through the Zindigi’s official website as well as our social media posts.

Funds will be received in customer’s USD and PKR wallets within 2 working days of the amount being received by Zindigi. The time it takes for the amount to be received by Zindigi depends on the sender bank and varies from 7 to 10 days as per international processes.

Services like Search Engine Optimization, app development, website development are called IT services.

To send money from abroad, sender has to input the following details:

1. Bank Name – JS Bank
2. Swift code – JSBLPKKA
3. Branch – Shaheen Complex
4. Branch Address – Shaheen Commercial Complex, Dr Ziauddin Ahmed Rd, Civil Lines, Karachi, Karachi City, Sindh.
5. Postal Code 74200

There is no routing number for Zindigi. Only swift code will suffice.

There is no sort code for Zindigi. Only swift code will suffice.

Zindigi does not charge for receiving funds in your freelancer account. However, upto USD 15 SWIFT charges may be applicable depending upon the sending bank.

Tax is deducted as per the laws of Pakistan.

At the moment, Zindigi only offers USD account. More currencies will be added at a later stage.

If a customer has not performed biometric verification before upgrading to Zindigi Freelancer account, then it is mandatory for them to perform it within 60 days of their account upgrade. Failure to do so will result in a debit block being applied until the biometric verification is done. During the debit block period, while user would be able to receive funds from different sources in their PKR and USD accounts, they would not be able to make any outgoing payments or cash withdrawals etc.

No, a user with a Zindigi salary account cannot upgrade their account to Zindigi.

Account closure for freelancer account will follow the same process as for normal L0, L1 or Ultra accounts with one addition, the balance in PKR as well as USD wallets has to be zero.

USD can be converted to PKR by user as well as per the daily interbank rate of USD to PKR.

Any campaigns for freelancers can be found through the Zindigi’s official website as well as our social media posts.