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SOC

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Mobile Account Services

1. General

Product Charges
Account Registration No Charges
Account Maintenance No Charges
SMS Alerts for Every Transaction No Charges
MPIN Creation No Charges
MPIN Change No Charges
Access to Mobile Account No Charges
Balance Enquiry No Charges
Mini Statement Mobile App/Online No Charges
Email Statement via Mobile App/Online No Charges
Balance Enquiry via 1-Link/M-NET ATM Rs 3.13

2. Money Transfer

Product Charges
Send Money To Another JazzCash Mobile Wallet No Charges
Receive Money from CNIC (CNIC to Business Account Transfer) No Charges
Send Money to Any Bank Account* Free up-to Rs. 50,000 per month, subsequent transactions charged at 0.1% or Rs.200 whichever is less
Receive International Remittance No Charges
**IBFT from Mobile Wallet Free up to an aggregate sending amount of PKR 25,000 per month; subsequent transactions charged at 0.1% + Tax of the amount or PKR 200 + Tax (lower amount to be charged)
***Transaction Processing Fee Rs. 1 per transaction on all transactions below 25K 0.02% of transaction amount on all transactions between 25K & 200K Rs. 40 on transactions greater than 200K
– charges are inclusive of tax
Deposit Via Debit Card 3% + Tax of Amount is Charged

*IBFT charges from Mobile Wallet are applicable till as per time-to-time instructions from SBP on COVID-19/any other
special notification.

**IBFT charges from Mobile Wallet are applicable till as per time to time instructions from SBP on COVID-19/any other
special notification.

*** A transaction processing fee will be recovered for all IBFT Mobile Wallet transactions as per 1-link SOC.

3. Bill Payment

Product Charges
Mobile Top-Up for any operator No Charges
Utility Bill Payment Rs. 5.00 (Incl. Tax) per bill for first 3 bill payments in a month. Rs. 20.00 (Incl. Tax) per bill after 3rd bill payment in a month Rs. 30.00 (Incl. Tax)
per bill after 9th bill payment in a month Charges as per calendar month

4. Cards

Product Charges
MasterCard Debit Card Issuance fee for Merchants Rs. 1
PayPak Debit Card Issuance fee for Merchant Rs. 899
PayPak Debit Card Annual Fee Rs. 299
Debit Card PIN Creation / Change No Charges
OTC Services

1. Cash Deposit into Business Account

Products/Services Total FEE (Incl. FED)
Cash Deposit into Business Account 50 – 20,000 @ 0.5% of the transaction amount + FED
20,001 & Above PKR 100 + FED

2. Payment Acceptance Service Charges on Business Account

Use-case Total FEE (Incl. FED)
Standard MDR on receiving QR/Till Payments 1%
Standard MDR on In-coming IBFT 2%
Standard MDR on receiving Funds from JazzCash Account 2%

3. Payment Acceptance Services via Online Payments Gateway

Use-case Total FEE (Incl. FED)
Cash Withdrawal from Business Account through ATM via 1Link No Fee upto Rs. 50,000 then Rs. 23.44 per withdrawal

4. Cash Withdrawal from Business Account through JazzCash Agent

Product/Services Total Charges
Cash Withdrawal from Business Account through JazzCash Agent No Charges
Cash Out Pricing for Merchant No Charges

5. Others

Product Charges
Instant Loans for Merchants Daily Fee of 1% charged up to 28 days

Note:

  • Cash can only be withdrawn in multiples of 500 at ATM(s)
  • Cash withdrawal charges will be deducted from your Mobile Wallet. There is no need to pay the charge in cash to the Agent
  • Transaction limits are applicable
  • All fees/charges are inclusive of FED
  • ATM Cash Withdrawal charges are not applicable on corporate customers.
  • 2 Free ATM withdrawals will be allowed for freelancers in a month when they receive remittance.

OTC Services

OTC Services
Product Charges
Cash Out From CNIC No Charges
Money transfer from CNIC to Mobile Wallet No Charges
Utility Bill Payment No Charges
Postpaid Bill Payment No Charges
Donations No Charges

IBFT Outgoing from OTC/CNIC
Amount Charges***
0 – 1,000 Rs. 35
1,001 – 2,500 Rs. 50
2,501 – 4,000 Rs. 65
4,001 – 6,000 Rs. 80
6,001 – 8,000 Rs. 90
8,001 – 10,000 Rs. 105
10,001 – 13,000 Rs. 120
13,001 – 15,000 Rs. 130
15,001 – 20,000 Rs. 165
20,001 – 25,000 Rs. 200
25,501 – 30,000 Rs. 250
3,0001 – 40,000 Rs. 325
40,001 – 50,000 Rs. 400

***Inclusive of 1-Link charges

Transaction Type Total Fee (Includes FED except where otherwise stated)
M-Wallet Registration 0
Asaan Digital Account Upgrade 100
Freelance Digital Account 100
Asaan Digital Remittance Account 100
Upgradation L2 (Digital Account) 100
Balance Check Via USSD 1
Funds Transfer – IN from Debit Card (Pulling funds into MA from Debit/Credit

Cards)

 3% + Tax of amount is charged
Postpaid Bill Payment

through M-Wallet

 0
Mini statement M- Wallet/App 0
Utility Bill Payment OTC 0
Utility Bill Payment through M-Wallet Rs. 5 on 1st, 2nd and 3rd bill

Rs. 20 on 4th and subsequent bill payments till 9th Bill.

10th bill and upward Rs 30 per transaction.

Charges as per calendar month
Postpaid Bill Payment OTC 0
Prepaid Load through M-

Wallet

 0
Other Operator Prepaid Load

through M-Wallet

 0
Donations through M-Wallet 0
Internet Bill Payment OTC 0
Internet Bill Payment M-

Wallet

 0
Cash Out from CNIC 0
Money Transfer from CNIC to

M-Wallet

 0
*Money transfer – Wallet to

Wallet

 Free
Excessive transactions levy Up- to 1% on 6th transaction onwards on wallet to wallet transfer
PayPak Debit Card Issuance – 999
PayPak Debit Card Annual Fee 299
Pay Pak Physical Card replacement Fee 999
Master Card Physical Card

Issuance Fee

 799
Master Card Physical Card

Annual Fee

 99
Master Card Physical Card

Replacement Fee

 799
Master Card Virtual Card

Issuance Fee

 300
Master Card Virtual Card

Annual Fee

 0
Visa Card Annual Fee 99
Women Card Issuance Fee 999
Women Card Annual Fee 99
Tap & Pay subscription Fee

(One time)

 100
Balance Enquiry via 1-Link/M-NET ATM Rs 4
IBFT into M-Wallet 0
Account in-activity fee (Applicable in case of no activity in account for 12

months)

 100/month
Ready Cash 5%/ week for only 8 weeks. (Max 40% charged per loan)
Term Takaful Annual: Rs 1,600, Monthly: Rs 133, Daily: Rs.6
Motorway Insurance Monthly: Rs 140
Crop Insurance Annual: Rs. 1,500/acre
Embedded Health & Life

Insurance (For Ready Cash)

 Rs. 50 for 2 months
Embedded Health & Life

Insurance (For UBP)

 Rs. 50/month
Sehat Salamti Annual: Rs 1,499, Monthly: Rs. 125 , Daily: Rs.4
Nissa Health Annual: Rs 1,999, Monthly: Rs. 166 , Daily: Rs.6
Term Life Insurance Annual: Rs 2000 , Monthly: Rs. 200 , Daily: Rs. 10
Family Health Insurance Annual: Rs 1,950, Monthly: Rs. 199 , Daily: Rs. 9
Family Health Insurance 2 Annual: Rs 2,950, Monthly: Rs. 299 , Daily: Rs.12
Medical Insurance Annual Rs 2000
Medical Insurance 2 Annual Rs 5000
Bachat Account Profit will be paid on applicable rates
USSD Platform

Fee/transaction****

 Rs. 1
App Platform Fee/transaction

******

 Rs 1
In App BVS charges Rs 100 +tax
**IBFT from M-Wallet Free up to an aggregate sending amount of PKR 25,000 per month; subsequent transaction charged

at

0.1% of transaction amount + tax of the

amount or PKR 200+ Tax (lower amount to be charged)
Transaction processing Fee

*****

 Rs 2.5
Cash In Fee (exclusive of FED) 0.50% + FED
Bulk C2C feature ******* Rs 20/Bulk Transaction

Monthly Subscription Rs 100
MDR on receiving International

Payments through “pay via link”

(Freelance segment)

 5%
Money Transfer from M-

Wallet to CNIC
0 – 1,000 55
1,001 – 2,500 110
2,501 – 4,000 160
4,001 – 6,000 215
6,001 – 8,000 270
8,001 – 10,000 320
10,001 – 13,000 375
13,001 – 16,000 430
16,001 – 20,000 500
20,001 – 25,000 650
Money Transfer from CNIC

to M-Wallet
0 – 1,000 25
1,001 – 2,500 30
2,501 – 4,000 40
4,001 – 10,000 55
10,001 – 20,000 120
20,001 – 30,000 200
30,001 – 40,000 275
40,001 – 50,000 350
Cash Out from Mobile Wallet
1-200 7
201-500 12
501-1,000 20
1,001-2,500 40
2,501-4,000 70
4,001-6,000 100
6,001-8,000 130
8,001-10,000 180
10,001-13,000 230
13,001-16,000 280
16,001-20,000 330
20,001-25,000 380
25,001-30,000 470
30,001-40,000 560
40,001-50,000 690
***Cash out from ATM
500-2500 25
3000- 5000 50
5,500 -10,000 100
10,000 – 20,000 150
> 20,000 200
*Money transfer charges from Wallet to Wallet are not applicable till further instructions from SBP on COVID-19

**IBFT charges from Mobile Wallet are applicable till as per time to time instructions from SBP on COVID- 19/any other special notification.

***Inclusive of 1-Link charges

****All financial/Non-financial transactions done via USSD platform

***** A transaction processing fee will be recovered for all IBFT Mobile Wallet transactions as per 1-link SOC.

****** All financial/Non-financial transactions done via App platform

******* Excessive transactions levy will remain applicable on Bulk C2C feature

JazzCash reserves the right to charge less in certain scenario

Branchless Banking ‘JazzCash Business

(Merchant)

Application’ Schedule of Charges:

Products/Services Total Fee (incl. FED)
Transactions through JazzCash Agent, Mobilink Microfinance Bank Branch or

Jazz

Point

 Cash Deposit into Business Account 0.50% FED
Cash Withdrawal from Business Account through JazzCash Agent Slab-wise charges mentioned below
Transactions through JazzCash Business Account Business Account Registration Free
Business Account Maintenance Charges Free
SMS Alerts for Every Transaction Free
Business Account MPIN Creation Free
Business Account MPIN Change Free
Access to Mobile Account via USSD/Mobile App/Online Free
Balance Enquiry Mobile App/Online Free
Mini Statement Mobile App/Online Free
Email Statement via Mobile App/Online Free
Send Money to Another JazzCash Mobile Account Free
Receive Money from CNIC (CNIC to Business Account Transfer) Free
**Send Money to Any Bank Account Free up-to Rs. 50000 per month, subsequent transactions charged at 0.1% +tax or Rs.200+tax

whichever is less
 

 

*****Transaction processing Fee

  

Rs 2.5
  Funds Transfer – IN from Debit Card (Pulling funds into MA from

Debit/Credit Cards)

  

 

3% + Tax of amount is charged
  Receive International Remittance Free
  Mobile Top-Up for any operator Free
  Utility Bill Payment Rs. 5 on 1st, 2nd and 3rd bill Rs. 20 on 4th and

subsequent bill

payments till 9th Bill.

10th bill and upward Rs 30 per transaction.

Charges as per calendar month
  MasterCard Debit Card Issuance fee for Merchants Rs. 799
  MasterCard Debit Replacement fee for Merchants Rs. 799
  PayPak Debit Card Issuance fee for Merchant Rs. 999
  PayPak Debit Replacement fee for Merchants Rs. 999
  PayPak Debit Card Annual Fee Rs. 299
  Debit Card PIN Creation / Change Free
  Balance Enquiry via 1-Link/M-NET ATM Rs 4
  Ticket Payments Free
  USSD Platform Fee/transaction**** Rs. 1
  App Platform Fee/transaction****** Rs 1
  Balance Enquiry/USSD Rs. 1
  Master Card Physical Card Annual Fee for Merchants, Freelancers, Employees

and Corporate Customers

 Free
Payment Acceptance Service Charges on Business Account (Merchants) Standard MDR on receiving QR/ Till

payments

 1.25%
Standard MDR on incoming IBFT 2%
Standard MDR on receiving funds from JazzCash Account 2%
Standard MDR on receiving payments

through “pay via link”

 3%+ tax
Standard MDR on receiving payments

through “tap on phone”

 2%+tax
Monthly subscription fee on receiving payments through “tap on phone” Rs 500
JazzCash Khata Settlement Free service

Acceptance on Merchant accounts is 1.25%
Payment Acceptance Service Charges via Online Payment Gateway (Merchants) Mobile Account/ Voucher Payments/ Credit/ Debit card 2.32%
 

 

Instant Loans for Merchants

 Daily fee of 1% charged up to 28 days (Max 28% charged per loan)
 

***Cash Withdrawal from Business Account through ATM via 1-Link

  

Free up-to Rs 50,000. After that

Slab wise Pricing as per consumer SOC
Cash out from ATM
500-2500 25
3000- 5000 50
5,500 -10,000 100
10,000 – 20,000 150
> 20,000 200
 

Cash Withdrawal from Business Account through JazzCash Agent

  

Free
Transaction Slabs Total Fee (Includes FED)
1-200 7
201-500 12
501-1,000 20
1,001-2,500 40
2,501-4,000 70
4,001-6,000 100
6,001-8,000 130
8,001-10,000 180
10,001-13,000 230
13,001-16,000 280
16,001-20,000 330
20,001-25,000 380
25,001-30,000 470
30,001-40,000 560
40,001-50,000 690

JazzCash Business Account

Mobile Account Services

1. General

Product Charges
Account Registration No Charges
Account Maintenance No Charges
SMS Alerts for Every Transaction No Charges
MPIN Creation No Charges
MPIN Change No Charges
Access to Mobile Account No Charges
Balance Enquiry No Charges
Mini Statement Mobile App/Online No Charges
Email Statement via Mobile App/Online No Charges
Balance Enquiry via 1-Link/M-NET ATM Rs 3.13

2. Money Transfer

Product Charges
Send Money To Another JazzCash Mobile Wallet No Charges
Receive Money from CNIC (CNIC to Business Account Transfer) No Charges
Send Money to Any Bank Account* Free up-to Rs. 50,000 per month, subsequent transactions charged at 0.1% or Rs.200 whichever is less
Receive International Remittance No Charges
**IBFT from Mobile Wallet Free up to an aggregate sending amount of PKR 25,000 per month; subsequent transactions charged at 0.1% + Tax of the amount or PKR 200 + Tax (lower amount to be charged)
***Transaction Processing Fee Rs. 1 per transaction on all transactions below 25K 0.02% of transaction amount on all transactions between 25K & 200K Rs. 40 on transactions greater than 200K

– charges are inclusive of tax
Deposit Via Debit Card 3% + Tax of Amount is Charged

*IBFT charges from Mobile Wallet are applicable till as per time-to-time instructions from SBP on COVID-19/any other

special notification.

**IBFT charges from Mobile Wallet are applicable till as per time to time instructions from SBP on COVID-19/any other

special notification.

*** A transaction processing fee will be recovered for all IBFT Mobile Wallet transactions as per 1-link SOC.

3. Bill Payment

Product Charges
Mobile Top-Up for any operator No Charges
Utility Bill Payment Rs. 5.00 (Incl. Tax) per bill for first 3 bill payments in a month. Rs. 20.00 (Incl. Tax) per bill after 3rd bill payment in a month Rs. 30.00 (Incl. Tax)

per bill after 9th bill payment in a month Charges as per calendar month

4. Cards

Product Charges
MasterCard Debit Card Issuance fee for Merchants Rs. 1
PayPak Debit Card Issuance fee for Merchant Rs. 899
PayPak Debit Card Annual Fee Rs. 299
Debit Card PIN Creation / Change No Charges
OTC Services

1. Cash Deposit into Business Account

Products/Services Total FEE (Incl. FED)
Cash Deposit into Business Account 50 – 20,000 @ 0.5% of the transaction amount + FED

20,001 & Above PKR 100 + FED

2. Payment Acceptance Service Charges on Business Account

Use-case Total FEE (Incl. FED)
Standard MDR on receiving QR/Till Payments 1%
Standard MDR on In-coming IBFT 2%
Standard MDR on receiving Funds from JazzCash Account 2%

3. Payment Acceptance Services via Online Payments Gateway

Use-case Total FEE (Incl. FED)
Cash Withdrawal from Business Account through ATM via 1Link No Fee upto Rs. 50,000 then Rs. 23.44 per withdrawal

4. Cash Withdrawal from Business Account through JazzCash Agent

Product/Services Total Charges
Cash Withdrawal from Business Account through JazzCash Agent No Charges

5. Others

Product Charges
Instant Loans for Merchants Daily Fee of 1% charged up to 28 days

Note:

  • Cash can only be withdrawn in multiples of 500 at ATM(s)
  • Cash withdrawal charges will be deducted from your Mobile Wallet. There is no need to pay the charge in cash to the Agent
  • Transaction limits are applicable
  • All fees/charges are inclusive of FED
  • ATM Cash Withdrawal charges are not applicable on corporate customers.
  • 2 Free ATM withdrawals will be allowed for freelancers in a month when they receive remittance.
Mobile Account Services

1. General

Product Charges
Account Registration No Charges
Account Maintenance No Charges
SMS Alerts for Every Transaction No Charges
MPIN Creation No Charges
MPIN Change No Charges
Access to Mobile Account No Charges
Balance Enquiry No Charges
Mini Statement Mobile App/Online No Charges
Email Statement via Mobile App/Online No Charges
Balance Enquiry via 1-Link/M-NET ATM Rs 3.13

2. Money Transfer

Product Charges
Send Money To Another JazzCash Mobile Wallet No Charges
Receive Money from CNIC (CNIC to Business Account Transfer) No Charges
Send Money to Any Bank Account* Free up-to Rs. 50,000 per month, subsequent transactions charged at 0.1% or Rs.200 whichever is less
Receive International Remittance No Charges
**IBFT from Mobile Wallet Free up to an aggregate sending amount of PKR 25,000 per month; subsequent transactions charged at 0.1% + Tax of the amount or PKR 200 + Tax (lower amount to be charged)
***Transaction Processing Fee Rs. 1 per transaction on all transactions below 25K 0.02% of transaction amount on all transactions between 25K & 200K Rs. 40 on transactions greater than 200K

– charges are inclusive of tax
Deposit Via Debit Card 3% + Tax of Amount is Charged

*IBFT charges from Mobile Wallet are applicable till as per time-to-time instructions from SBP on COVID-19/any other

special notification.

**IBFT charges from Mobile Wallet are applicable till as per time to time instructions from SBP on COVID-19/any other

special notification.

*** A transaction processing fee will be recovered for all IBFT Mobile Wallet transactions as per 1-link SOC.

3. Bill Payment

Product Charges
Mobile Top-Up for any operator No Charges
Utility Bill Payment Rs. 5.00 (Incl. Tax) per bill for first 3 bill payments in a month. Rs. 20.00 (Incl. Tax) per bill after 3rd bill payment in a month Rs. 30.00 (Incl. Tax)

per bill after 9th bill payment in a month Charges as per calendar month

4. Cards

Product Charges
MasterCard Debit Card Issuance fee for Merchants Rs. 1
PayPak Debit Card Issuance fee for Merchant Rs. 899
PayPak Debit Card Annual Fee Rs. 299
Debit Card PIN Creation / Change No Charges
OTC Services

1. Cash Deposit into Business Account

Products/Services Total FEE (Incl. FED)
Cash Deposit into Business Account 50 – 20,000 @ 0.5% of the transaction amount + FED

20,001 & Above PKR 100 + FED

2. Payment Acceptance Service Charges on Business Account

Use-case Total FEE (Incl. FED)
Standard MDR on receiving QR/Till Payments 1%
Standard MDR on In-coming IBFT 2%
Standard MDR on receiving Funds from JazzCash Account 2%

3. Payment Acceptance Services via Online Payments Gateway

Use-case Total FEE (Incl. FED)
Cash Withdrawal from Business Account through ATM via 1Link No Fee upto Rs. 50,000 then Rs. 23.44 per withdrawal

4. Cash Withdrawal from Business Account through JazzCash Agent

Product/Services Total Charges
Cash Withdrawal from Business Account through JazzCash Agent No Charges

5. Others

Product Charges
Instant Loans for Merchants Daily Fee of 1% charged up to 28 days

Note:

  • Cash can only be withdrawn in multiples of 500 at ATM(s)
  • Cash withdrawal charges will be deducted from your Mobile Wallet. There is no need to pay the charge in cash to the Agent
  • Transaction limits are applicable
  • All fees/charges are inclusive of FED
  • ATM Cash Withdrawal charges are not applicable on corporate customers.
  • 2 Free ATM withdrawals will be allowed for freelancers in a month when they receive remittance.

1. Women Card

In line with Jazz Cash’s vision of empowering women financially and aiding women

financial inclusion, launch of women card is planned

Price: Rs 999 (incl tax)

Annual Fee: Rs 99 (Incl tax)

2. Annual Fee

Introduction of annual fee for Visa card holders. This is in line with previously introduced

annual charges for Master Card customers.

Fee: Rs 99.

3. Insurance Products

Insurance portfolio optimization in order to off shelf obsolete products and offer

customer centric and research driven new insurance products. This is a commercial

decision in order to enhance profitability, ensuring product’s sustainability.

Term Takaful Annual: Rs 1,600, Monthly: Rs 133, Daily: Rs.6
Crop Insurance Annual: Rs. 1,500/acre
Embedded Health & Life Insurance

(For Ready Cash)

 Rs. 50 for 2 months
Embedded Health & Life Insurance

(For UBP)

 Rs. 50/month
Sehat Salamti Annual: Rs 1,499, Monthly: Rs. 125 , Daily: Rs.4
Nissa Health Annual: Rs 1,499, Monthly: Rs. 166 , Daily: Rs.6
Term Life Insurance Annual: Rs 2,000, Monthly: Rs. 200 , Daily: Rs.10
Family Health Insurance Annual: Rs 1,950, Monthly: Rs. 199 , Daily: Rs.9
Family Health Insurance (Variant 2) Annual: Rs 2,950, Monthly: Rs. 299 , Daily: Rs.12
Medical Insurance Annual: Rs 2,000
Medical Insurance (Variant 2) Annual: Rs 5,000

2. Update Balance enquiry USSD (Business App)

Changes from Rs 0.5 to Rs 1. Brought at par with consumer charges

3. Update Platform Fee app (Business App)

Changes from Rs 0.5 to Rs 1. Brought at par with consumer charges

4. Tap on Phone

A new feature on Merchant Platform to accept payment.

MDR 2% + tax

Monthly subscription Fee: Rs 500

5. Pay via Link

A new feature on Merchant Platform to accept payment

MDR 3%+ tax

Tap & Pay

A new feature on consumer Platform to make contactless payments. This product will

run on subscription Model to be paid one time by consumer for initial service activation.

Price: Rs 100 incl tax

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