Pakistan

Bank account

TYPE	DESCRIPTION
Area availability	Available across Pakistan
Service type	C2C / B2C
Currency	PKR
Payout channel	Bank transfer
Transaction turnaround time	T+0 Pakistan business day for transaction received before 3pm (GMT+5)* T+1 to T+2 Pakistan business days for transaction received after 3pm (GMT+5)* *Transaction status will be updated within T+0 to T+2 subject to bank processing time.
Transaction limit	Minimum limit per transaction: PKR 10.00 Maximum limit per transaction: PKR 1,000,000.00 Compliance daily limit per beneficiary: PKR 5,000,000.00* *The transaction will be held for review if the sender or receiver exceeds the compliance limit.
Amount received	Beneficiary received net amount as specified by sender.
Maximum number of beneficiaries	No limit
Validation	Account validation for beneficiary name applicable to selected banks.
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	Business days in Pakistan are from Monday to Friday. Important notes a) Valid sender ID number is required. b) Both IBAN and non-IBAN accounts are supported. c) Beneficiary’s name must match the name registered with their bank. Name mismatch will result in delayed transaction processing. d) Refer to table below for new business related transactions purpose codes.
Do_Transfer bAccType Value	1

Business Transactions Purpose Codes

NO	PURPOSE CODE	TRANGLO DESCRIPTION	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 Banks

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

TYPE	DESCRIPTION
Area availability	Available across Pakistan
Service type	C2C / B2C
Currency	PKR
Payout channel	E-wallet
Transaction turnaround time	Monday to Friday Within 4 hours for transaction received before 6pm (GMT+5) T+1 Pakistan business day for transaction received after 6pm (GMT+5) Saturday Within 4 hours for transaction received before 2pm (GMT+5) T+1 Pakistan business day for transaction received after 2pm (GMT+5)
Transaction limit	Minimum limit per transaction: PKR 10.00 Compliance daily limit per beneficiary: PKR 5,000,000.00* Level 0 KYC customer Maximum limit per transaction: PKR 25,000.00 Maximum balance limit per year: PKR 200,000.00 Level 1 KYC customer Maximum limit per transaction: PKR 50,000.00 Maximum balance limit per year: PKR 400,000.00 *The transaction will be held for review if the sender or receiver exceeds the compliance limit.
Amount received	Beneficiary received net amount as specified by sender.
Maximum number of beneficiaries	No limit
Validation	No account validation
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	Business days in Pakistan are from Monday to Friday. Important notes a) Valid sender ID number is required. b) Maximum E-wallet balance amount. The maximum wallet balance is determined by customer’s KYC level. Maximum amount per transaction cannot exceed the balance limit of recipient’s wallet.
Do_Transfer bAccType Value	2

List of E-wallet Services

NO	NAME	ISSUER CODE
1	JazzCash E-wallet	EWMBC
2	Bank Alfalah E-wallet	EWBAFL

Cash pick-up

TYPE	DESCRIPTION
Area availability	Available across Pakistan
Service type	C2C
Currency	PKR
Payout channel	Cash pick-up
Transaction turnaround time	Within 15 minutes Operating hours: Monday to Friday, 9:00am-5:00pm (GMT+5)* Saturday, 9:00am-1:30pm (GMT+5)** Operating hours may vary by location *JazzCash and selected bank branches only
Transaction limit	Minimum limit per transaction: PKR 10.00 Maximum limit per transaction Bank of Punjab (CPBOP): PKR 500,000.00 Bank Al Habib (CPBAHL): PKR PKR 600,000.00 Habib Bank (CPHBL): PKR 900,000.00 Bank Alfalah (CPBAFL): PKR 1,500,000.00
Amount received	The beneficiary will receive the amount rounded to the nearest PKR 1.00
Maximum number of beneficiaries	No limit
Verification	Beneficiary must provide: a) Valid Computerized National Identity Card (CNIC) b) Transaction Number and/or Passcode
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 allowed if the payout remains unclaimed
Remarks	Business days in Pakistan are from Monday to Friday. Beneficiary phone number is required for Cash pick-up transaction.
Do_Transfer bAccType Value	5

Cash Pick-up Outlets

NO	NAME	SAMPLE PAYOUT CODE	ISSUER CODE
1	Bank Of Punjab	G4016144940335	CPBOP
2	Bank Alfalah	G9316144940335	CPBAFL
3	Bank Al Habib	P382105050042	CPBAHL
4	Habib Bank	0382232837133	CPHBL

Bill payment

TYPE	DESCRIPTION
Area availability	Available across Pakistan
Currency	PKR
Payout channel	Direct credit to biller account in Pakistan Rupee (PKR)
Transaction turnaround time	Within 10 minutes
Transaction limit	Minimum limit per transaction: PKR 10.00 Maximum limit per transaction: PKR 300,000.00
Amount received	Biller received net amount as specified by sender
Maximum number of beneficiaries	No limit
Verification	No account verification
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	No cancellation upon successful bill payment
Remarks	'Bill Inquiry' only applicable if the 'Biller Account' is unpaid Transaction limit is determined by the respective billers or service providers. The sender must enter the exact billed amount as stated by the biller. Payments that differ from the billed amount, whether higher or lower, will be rejected.
Do_Transfer bAccType Value	6

List of biller

NO	BILLER NAME	BUSINESS 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

Telegraphic transfer

TYPE	DESCRIPTION
Area availability	Available across Pakistan
Service type	C2C / C2B / B2C / B2B
Currency	USD, PKR
Payout channel	Bank transfer
Transaction turnaround time	USD T+1 Pakistan business day for transaction received before 5pm (GMT+5)* PKR T+3 Pakistan business days for transaction received before 5pm (GMT+5)* *Processing time may vary based on the beneficiary bank’s cut-off time
Transaction limit	Compliance daily limit per beneficiary: USD 20,000.00 PKR 5,000,000.00
Amount received	Beneficiary received net amount as specified by sender.
Maximum number of beneficiaries	No limit
Validation	No account validation
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	Business days in Pakistan are from Monday to Friday. The beneficiary’s account currency must match the transaction currency (USD or PKR) to ensure successful crediting. Branch code is optional. If provided, it must contain exactly 3 characters to avoid the transaction from being rejected.
Do_Transfer bAccType Value	11

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