Pakistan

Bank account

Service specification

Type	Description
Direct to Bank method	Direct credit to bank account or finance companies in Pakistan Rupee (PKR). Supported Beneficiary account type – Individual account. Supported Sender type - Individual and Business account.
Transaction Turnaround Time	. T+0 Pakistan Banking days for transaction received before 3.00PM (Pakistan timezone, GMT +5). · T+1/ T+2 Pakistan Banking days for transaction processed and credited after Mon- Fri 3.00pm (Pakistan timezone, GMT +5). · Transaction final status received T+0, T+1 or T+2 Business working day (subject to bank systems and respect to beneficiary bank processing schedule).
Area availability	Pakistan nationwide
Validation / Verification	Account validation with beneficiary name. Please refer to Validation available country for the list of supported Banks: http://www.tranglo.com/docs/tranglo-connect/request-response-code-description/validation-available-country/
Amount received	Beneficiary received net amount as specified by Sender.
Transaction Limit	Maximum PKR 1,000,000 per transaction Minimum PKR 10 per transaction Compliance accumulated limit PKR 5,000,000.00 per day per Beneficiary
Maximum Beneficiary	No restriction
Service Charge	Transaction Fee will be refunded on best effort basis once the Transaction is accepted by the gloRemit® Service System and submitted by the gloRemit® Service System to the Payout Channel.
Cancellation Process	Cancellation is on best effort basis.
Remarks	· Beneficiary name shall be matched with the bank records, transaction will be delayed in processing if the name mismatched. · IBAN and non-IBAN Account numbers are supported. · Valid Sender ID Number is required. · New purpose codes for business related transactions (refer to the table below).
Do_Transfer bAccType Value	1

Purpose code list for Business related transactions

No	Purpose Code	Tranglo Purpose Description	Pakistan Bank Description
1	09000	Miscellaneous Transactions and Commodities n.c.e.	Utility Bills, Education, Hospitals, Superstores, Insurance Companies, Credit Card Payments etc.
2	16312	Premium Paid / Received on Other General Insurance	Utility Bills, Education, Hospitals, Superstores, Insurance Companies, Credit Card Payments etc.
3	14320	Wages and Salaries in Kind/Benefits Attributable to Employees	Pension Transactions
4	16820	Health Services	Utility Bills, Education, Hospitals, Superstores, Insurance Companies, Credit Card Payments etc.
5	16830	Education Services	Utility Bills, Education, Hospitals, Superstores, Insurance Companies, Credit Card Payments etc.
6	16850	Other Personal Services	Other Freelance Services
7	21210	Grants and Gifts	Donation/Charity
8	39120	Deposits with/from Financial Institutions Abroad	Housing Scheme

Supported bank

No	Name	Issuer Code
1	STANDARD CHARTERED BANK	920031
2	Al Baraka Bank Pakistan Limited	920030
3	ALLIED BANK LIMITED	920004
4	Apna Microfinance Bank	920039
5	Askari Bank Limited	920007
6	BANK ALFALAH LIMITED	920009
7	BANK ALHABIB	920008
8	BANK ISLAMI PAKISTAN LIMITED	920027
9	BANK OF AZAD JAMMU KASHMIR	920033
10	BANK OF KHYBER	920032
11	BANK OF PUNJAB	920003
12	BARCLAYS BANK LIMITED	920024
13	CITI BANK	920020
14	Dubai Islamic Bank Ltd	920011
15	FAYSAL BANK LIMITED	920012
16	HBL MICROFINANCE BANK	920034
17	FIRST WOMEN BANK LIMITED	920023
18	Habib Bank Ltd	920005
19	HABIB METROPOLITAN BANK	920013
20	HSBC Bank Limited	920028
21	ICBC	920041
22	JAHANGIR SIDDIQUI BANK LTD	920036
23	MCB Islamic Bank	920043
24	MEEZAN BANK LIMITED	920014
25	Model Bank	920035
26	MUSLIM COMERCIAL BANK	920006
27	NATIONAL BANK OF PAKISTAN	920002
28	NRSP	920042
29	Oman International Bank	920025
30	SAMBA BANK	920015
31	SILK BANK	920016
32	Sindh Bank	920021
33	SONERI BANK LIMITED	920017
34	SUMMIT BANK	920026
35	Telenor Microfinance Bank	920038
36	U Microfinance Bank	920040
37	UNITED BANK LIMITED	920029
38	Mobilink Micro Finance Bank	920001
39	THE PUNJAB PROVINCIAL COOPERATIVE BANK LTD	920044
40	Bank Of Tokyo Mitsubishi Ufj Ltd	920045
41	Faisal Islamic Bank Of Bahrain	920047
42	FINCA Micro Finance BankLimited	920048
43	SME Bank Ltd	920049
44	ZARAI TARAQIATI BANK LTD	920050

E-wallet

Service specification

Type	Description
Cash-out Method	Direct credit to Electronic Wallet in Pakistan Rupee (PKR). Supported Beneficiary account type – individual only.
Transaction Turnaround Time	· Transaction received before 6.00PM (Pakistan timezone, GMT +5) Monday - Friday : within 4 Hours. · Transaction received After 6.00PM (Pakistan timezone, GMT +5) Monday - Friday : Next Working Day. · Transaction received before 2.00PM (Pakistan timezone, GMT +5) Saturday : within 4 Hours. · Transaction received After 2.00PM (Pakistan timezone, GMT +5) Saturday : Next Working Day. · Transaction received Sunday/Public Holiday : Next Working Day.
Area availability	Pakistan nationwide
Validation / Verification	Account validation based on account or phone number.
Amount received	Beneficiary received net amount as specified by Sender.
Transaction Limit	Level 0 KYC customer maximum PKR 25,000 per transaction per day. Maximum balance limits PKR 200,000 per year. Level 1 KYC customer maximum PKR50,000 per transaction per day. Maximum balance limits PKR 400,000 per year. Minimum per transaction PKR 10. Compliance accumulated limit PKR 5,000,000.00 per day per Beneficiary
Maximum Beneficiary	No restriction
Service Charge	Transaction Fee will be refunded on best effort basis once the Transaction is accepted by the gloRemit® Service System and submitted by the gloRemit® Service System to the Payout Channel.
Cancellation Process	Cancellation is on best effort basis.
Remarks	· An electronic wallet customer can keep a maximum balance amount according to their KYC Level, defined by State Bank of Pakistan. Therefore, maximum per transaction may subject to max balance amount of beneficiary. · Valid Sender ID Number is required.
Do_Transfer bAccType Value	2

List of e-wallet service

No	Name	Website	Issuer Code
1	Jazzcash	http://www.jazzcash.com.pk/	EWMBC
2	Ewallet Bank Alfalah	https://www.bankalfalah.com/branch-atm-locator/	EWBAFL

Cash pick-up

Service specification

Type	Description
Cash-out Method	Cash pickup Pakistan Rupee (PKR) at any supported outlets. Supported sender type - individual only. Supported beneficiary account type – individual only.
Transaction Turnaround Time	· Within 15 minutes
Transaction Working Hours	Business hours: Operating hours for all available cash-pickup locations differ, however normal business hours 9am – 5pm Monday – Friday (Pakistan timezone, GMT+5) is generally available. Selected bank branches and JazzCash agents is also available on Saturday (9am – 1.30pm)
Area availability	Pakistan nationwide
Validation / Verification	Beneficiary to provide valid Computerized National Identity Card (CNIC) and Transaction Number and / or Passcode. JazzCash (previously known as Mobicash) m-wallet user can choose to ‘cash-out’ their fund in the wallet with JazzCash agents.
Amount received	Beneficiary to be received the payout in the nearest PKR 1.
Transaction Limit	Maximum per Transaction for CPBOP: PKR 500,000.00 Maximum per Transaction for CPBAFL: PKR 1,500,000.00 Maximum per Transaction for CPBAHL: PKR 600,000.00 Maximum per Transaction for CPHBL: PKR 900,000.00 Minimum per Transaction PKR 10.00
Maximum Beneficiary	No restriction
Service Charge	Transaction Fee will be refunded on best effort basis once the Transaction is accepted by the gloRemit® Service System and submitted by the gloRemit® Service System to the Payout Channel.
Cancellation Process	Cancellation is allowed if the payout in not claim.
Remarks	Beneficiary Phone Number field is mandatory for Cash Pickup transactions
Do_Transfer bAccType Value	5

List of cash pickup outlet

No	Name	Website	Payout Code Sample	Issuer Code
1	Cash Pickup @ Bank Of Punjab	https://www.bop.com.pk/SubBranchNetwork.aspx	G4016144940335	CPBOP
2	Cash Pickup @ Bank Alfalah	https://www.bankalfalah.com/branch-atm-locator/	G9316144940335	CPBAFL
3	Bank Al Habib	-	P382105050042	CPBAHL
4	Habib Bank	https://www.hbl.com/branch-locator	0382232837133	CPHBL

Telegraphic transfer

Service Specification

Type

Description

Direct to Bank Method

Direct credit to bank account in US Dollar (USD) and Pakistan Rupee (PKR).

Supported beneficiary account type – Individual and company.
Supported sender account type - Individual and company.

Transaction Turnaround Time

*T+1 business days for USD transaction processed and credited before 6pm (Mon-Fri) GMT +8.

*T+1 business days for PKR transaction processed and credited before 6pm (Mon-Fri) GMT +8.

Transaction sent on Saturdays, Sundays or public holidays will be processed on next Pakistan Banking day.

*Processing time may vary based on the beneficiary bank’s cut-off time.

Area Availability

Pakistan nationwide

Validation / Verification

No system validation on account available.

Amount Received

Beneficiary received net amount as specified by Sender.

Transaction Limit

Types of limit	Amount
Maximum per transaction	N/A
Compliance accumulated limit per day per beneficiary (USD)	USD 20,000.00
Compliance accumulated limit per day per beneficiary (PKR)	PKR 5,000,000.00

Maximum Beneficiary

No restriction

Service Charge

The transaction fee will be refunded on a best-effort basis after the transaction is accepted by the gloRemit® Service System and forwarded to the payout channel.

Cancellation Process

Cancellation is on best effort basis.

Remarks

Beneficiary account currency has to be the same with the currency of the transaction. (USD or PKR)

Branch code is optional. If included, please enter exactly 3 characters to avoid the transaction being rejected.

Do_Transfer bAccType Value

List of Swift Codes

No	Name	Swift Code
1	ALLIED BANK LIMITED	ABPAPKKA
2	AMERICAN EXPRESS BANK LTD.	AEIBPKK1
3	ALBARAKA BANK (PAKISTAN) LIMITED	AIINPKKA
4	AKD SECURITIES LIMITED	AKDBPKK1
5	ALFALAH SECURITIES (PRIVATE) LIMITED	ALEVPKK1
6	BANK ALFALAH LIMITED	ALFHPKKA
7	ARIF HABIB LIMITED	ARHAPKK1
8	ASKARI BANK LIMITED	ASCMPKKA
9	BANK AL HABIB LIMITED	BAHLPKKA
10	PAKISTAN TOBACCO COMPANY LIMITED	BATSPKA1
11	BANK OF CHINA LIMITED KARACHI BRANCH	BKCHPKKA
12	BANKISLAMI PAKISTAN LIMITED	BKIPPKKA
13	BMA CAPITAL MANAGEMENT LIMITED	BMCMPKK1
14	THE BANK OF PUNJAB	BPUNPKKA
15	CENTRAL DEPOSITORY COMPANY OF PAKISTAN LIMITED	CDCPPKK1
16	CITIBANK N.A.	CITIPKKX
17	CHASE SECURITIES PAKISTAN (PRIVATE) LIMITED	CSPVPKK2
18	DEUTSCHE BANK AG, LAHORE BRANCH	DEUTPKK1
19	DEUTSCHE BANK AG, KARACHI BRANCH	DEUTPKKA
20	DUBAI ISLAMIC BANK PAKISTAN LIMITED	DUIBPKKA
21	EFG HERMES PAKISTAN LIMITED	EFHPPKK1
22	FAYSAL BANK LIMITED	FAYSPKKA
23	FIRST CAPITAL EQUITIES LIMITED	FCEQPKK1
24	FIRST WOMEN BANK LIMITED	FWOMPKKA
25	HABIB BANK LIMITED	HABBPKKA
26	INDUSTRIAL AND COMMERCIAL BANK OF CHINA, KARACHI BRANCH	ICBKPKKA
27	IGI FINEX SECURITIES	IGFSPKK1
28	INSIGHT SECURITIES (PRIVATE) LTD	ISSTPKK1
29	INTERMARKET SECURITIES LIMITED	ITSRPKK1
30	INVISOR SECURITIES (PVT) LIMITED	IVSPPKK1
31	JARDINE FLEMING PAKISTAN LTD.	JAFPPKK1
32	JAHANGIR SIDDIQUI AND COMPANY LIMITED	JESIPKK1
33	JS BANK LIMITED	JSBLPKKA
34	JS GLOBAL CAPITAL LIMITED	JSCMPKK1
35	BHAYANI SECURITIES (PRIVATE) LIMITED	KABBPKK1
36	KHADIM ALI SHAH BUKHARI AND CO. LTD	KASBPKK1
37	BANK OF KHYBER, THE	KHYBPKKA
38	KTRADE SECURITIES LIMITED	KTSEPKK2
39	MAJEED ADAM	MAADPKK1
40	MCB ISLAMIC BANK LIMITED	MCIBPKKI
41	MEEZAN BANK LIMITED	MEZNPKKA
42	HABIB METROPOLITAN BANK LIMITED	MPBLPKKA
43	MASHREQ BANK PAKISTAN LIMITED	MSHQPKKK
44	MCB BANK LIMITED	MUCBPKKA
45	NAYAPAY (PRIVATE) LIMITED	NAYAPKK2
46	NATIONAL BANK OF PAKISTAN	NBPAPKK1
47	NATIONAL BANK OF PAKISTAN	NBPAPKKA
48	NEXT CAPITAL LIMITED	NEAIPKK1
49	OPTIMUS CAPITAL MANAGEMENT (PVT) LTD	OCMVPKK1
50	HSBC BANK OMAN S.A.O.G. (FORMERLY OMAN INTERNATIONAL BANK)	OIBAPKK1
51	PAKLIBYA HOLDING COMPANY (PRIVATE) LIMITED	PHCPPKK1
52	PAKISTAN KUWAIT INVESTMENT COMPANY PRIVATE LIMITED	PKICPKK1
53	ROYAL INTERNATIONAL EXCHANGE COMPANY (PVT) LTD	ROEXPKK1
54	RUPALI BANK LIMITED	RUPBPKK1
55	SAMBA BANK LIMITED	SAMBPKKA
56	SILKBANK LIMITED	SAUDPKKA
57	STATE BANK OF PAKISTAN	SBPPPKKA
58	STANDARD CHARTERED BANK (PAKISTAN) LIMITED	SCBLPKKX
59	SINDH BANK LIMITED	SINDPKKA
60	SME BANK LTD	SMESPKK1
61	SONERI BANK LIMITED	SONEPKKA
62	BANK MAKRAMAH LIMITED (FORMERLY SUMMIT BANK LIMITED)	SUMBPKKA
63	TAURUS SECURITIES LIMITED	TASRPKK1
64	TOPLINE SECURITIES PVT LTD.	TOSVPKK1
65	TRUST BANK LIMITED	TRBAPKK1
66	UNITED BANK LIMITED	UNILPKKA
67	ELIXIR SECURITIES PAKISTAN (PVT) LTD	WICAPKK1
68	WALL STREET EXCHANGE COMPANY (PVT) LTD.	WSEPPKK1

Bill payment

Service specification

Type	Description
Cash-out Method	Direct credit to biller in Pakistan Rupee (PKR).
Transaction Turnaround Time	· Instant real-time * (Within 10 minutes).
Area availability	Pakistan nationwide
Validation / Verification	Bill Inquiry only applicable if the Biller Account is unpaid.
Amount received	Biller received net amount as specified by Sender.
Transaction Limit	Minimum per transaction PKR 10.00 Maximum per transaction PKR 300,000.00
Maximum Beneficiary	No restriction
Service Charge	Transaction Fee will be refunded on best effort basis once the Transaction is accepted by the gloRemit® Service System and submitted by the gloRemit® Service System to the Payout Channel.
Cancellation Process	Cancellation is not possible once Bill is Paid.
Remarks	Amount to pay should be exact amount as per the bill.
Do_BillPayment Value	6

List of biller

No	Biller Name	Company Type	Issuer Code
1	Karachi Electric Supply Company	Electricity	KESC
2	Karachi Electric	Electricity	KE
3	Gujranwala Electric Supply Company Limited	Electricity	GEPCO
4	Hyderabad Electric Supply Company	Electricity	HESCO
5	Lahore Electric Supply Company	Electricity	LESCO
6	Multan Electric Power Company	Electricity	MEPCO
7	Peshawar Electric Power Supply Company	Electricity	PESCO
8	Sialkot Electric Power Supply Company	Electricity	SPECO
9	Sui Sothern Gas Company	Oil & Gas	SSGC
10	Sui Northern Gas Pipelines Limited	Oil & Gas	SNGPL
11	SAF	Oil & Gas	SAF
12	Karachi Water And Sewerage Board	Water	KWSB
13	Water and Sanitation Agency	Water	FWASA
14	Pakistan Tele Communication Limited	Telecommunication	PTCL