Pakistan

Bank account

Service specification

TypeDescription
Direct to Bank methodDirect credit to bank account or finance companies in Pakistan Rupee (PKR).
Supported Beneficiary account type – Individual account only
Supported Sender type - Individual and Approved business payment only (IT Services).
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 availabilityPakistan nationwide
Validation / VerificationAccount validation with beneficiary name.
Amount receivedBeneficiary received net amount as specified by Sender.
Transaction LimitMaximum PKR 1,000,000 per transaction
Maximum PKR5,000,000 per day
Minimum PKR 10 per transaction
Maximum BeneficiaryNo restriction
Service ChargeTransaction 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 ProcessCancellation 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. 
· Only support IBAN Account number.
· Valid Sender ID Number is required.
· New purpose codes for business related transactions (refer to the table below).
Do_Transfer bAccType Value1

Purpose code list for Business related transactions

NoPurpose CodeTranglo Purpose DescriptionPakistan Bank Description
109000Miscellaneous Transactions and Commodities n.c.e.Utility Bills, Education, Hospitals, Superstores, Insurance Companies, Credit Card Payments etc.
216312Premium Paid / Received on Other General InsuranceUtility Bills, Education, Hospitals, Superstores, Insurance Companies, Credit Card Payments etc.
314320Wages and Salaries in Kind/Benefits Attributable to EmployeesPension Transactions
416820Health ServicesUtility Bills, Education, Hospitals, Superstores, Insurance Companies, Credit Card Payments etc.
516830Education ServicesUtility Bills, Education, Hospitals, Superstores, Insurance Companies, Credit Card Payments etc.
616850Other Personal ServicesOther Freelance Services
721210Grants and GiftsDonation/Charity
839120Deposits with/from Financial Institutions AbroadHousing Scheme

Supported bank

NoNameIssuer Code
1STANDARD CHARTERED BANK 920031
2Al Baraka Bank Pakistan Limited 920030
3ALLIED BANK LIMITED 920004
4 Apna Microfinance Bank 920039
5Askari Bank Limited 920007
6BANK ALFALAH LIMITED 920009
7BANK ALHABIB 920008
8BANK ISLAMI PAKISTAN LIMITED 920027
9 BANK OF AZAD JAMMU KASHMIR 920033
10BANK OF KHYBER 920032
11BANK OF PUNJAB 920003
12 BARCLAYS BANK LIMITED 920024
13 CITI BANK 920020
14Dubai Islamic Bank Ltd 920011
15FAYSAL BANK LIMITED 920012
16HBL MICROFINANCE BANK 920034
17FIRST WOMEN BANK LIMITED 920023
18Habib Bank Ltd 920005
19HABIB METROPOLITAN BANK 920013
20 HSBC Bank Limited 920028
21 ICBC 920041
22JAHANGIR SIDDIQUI BANK LTD 920036
23MCB Islamic Bank 920043
24MEEZAN BANK LIMITED 920014
25 Model Bank 920035
26MUSLIM COMERCIAL BANK 920006
27NATIONAL BANK OF PAKISTAN 920002
28 NRSP 920042
29 Oman International Bank 920025
30SAMBA BANK 920015
31SILK BANK 920016
32Sindh Bank 920021
33SONERI BANK LIMITED 920017
34SUMMIT BANK 920026
35Telenor Microfinance Bank920038
36 U Microfinance Bank 920040
37UNITED BANK LIMITED 920029
38 Mobilink Micro Finance Bank 920001
39 THE PUNJAB PROVINCIAL COOPERATIVE BANK LTD 920044
40Bank Of Tokyo Mitsubishi Ufj Ltd 920045
41 Faisal Islamic Bank Of Bahrain 920047
42 FINCA Micro Finance BankLimited 920048
43 SME Bank Ltd 920049
44ZARAI TARAQIATI BANK LTD 920050

Electronic wallet

Service specification

TypeDescription
Cash-out MethodDirect 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 availabilityPakistan nationwide
Validation / VerificationAccount validation based on account or phone number.
Amount receivedBeneficiary received net amount as specified by Sender.
Transaction LimitLevel 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.
Maximum BeneficiaryNo restriction
Service ChargeTransaction 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 ProcessCancellation 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 Value2

List of e-wallet service

NoNameWebsiteIssuer Code
1Jazzcashhttp://www.jazzcash.com.pk/EWMBC
2Ewallet Bank Alfalahhttps://www.bankalfalah.com/branch-atm-locator/EWBAFL

Cash pick-up channel

Service specification

TypeDescription
Cash-out MethodCash 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 HoursBusiness 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 availabilityPakistan nationwide
Validation / VerificationBeneficiary 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 receivedBeneficiary to be received the payout in the nearest PKR 1.
Transaction LimitMaximum 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 BeneficiaryNo restriction
Service ChargeTransaction 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 ProcessCancellation is allowed if the payout in not claim.
RemarksBeneficiary Phone Number field is mandatory for Cash Pickup transactions
Do_Transfer bAccType Value5

List of cash pickup outlet

NoNameWebsitePayout Code SampleIssuer Code
1Cash Pickup @ Bank Of Punjabhttps://www.bop.com.pk/SubBranchNetwork.aspxG4016144940335CPBOP
2Cash Pickup @ Bank Alfalahhttps://www.bankalfalah.com/branch-atm-locator/G9316144940335CPBAFL
3Bank Al Habib-P382105050042CPBAHL
4Habib Bankhttps://www.hbl.com/branch-locator0382232837133CPHBL

Bill payment

Service specification

TypeDescription
Cash-out MethodDirect credit to biller in Pakistan Rupee (PKR).
Transaction Turnaround Time· Instant real-time * (Within 10 minutes).
Area availabilityPakistan nationwide
Validation / VerificationBill Inquiry only applicable if the Biller Account is unpaid.
Amount receivedBiller received net amount as specified by Sender.
Transaction LimitMinimum per transaction PKR 10.00
Maximum per transaction PKR 300,000.00
Maximum BeneficiaryNo restriction
Service ChargeTransaction 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 ProcessCancellation is not possible once Bill is Paid.
RemarksAmount to pay should be exact amount as per the bill.
Do_BillPayment Value6

List of biller

NoBiller NameCompany TypeIssuer Code
1Karachi Electric Supply CompanyElectricityKESC
2Karachi ElectricElectricityKE
3Gujranwala Electric Supply Company LimitedElectricityGEPCO
4Hyderabad Electric Supply CompanyElectricityHESCO
5Lahore Electric Supply CompanyElectricityLESCO
6Multan Electric Power CompanyElectricityMEPCO
7Peshawar Electric Power Supply CompanyElectricityPESCO
8Sialkot Electric Power Supply CompanyElectricitySPECO
9Sui Sothern Gas CompanyOil & GasSSGC
10Sui Northern Gas Pipelines LimitedOil & GasSNGPL
11SAFOil & GasSAF
12Karachi Water And Sewerage BoardWaterKWSB
13Water and Sanitation AgencyWaterFWASA
14Pakistan Tele Communication LimitedTelecommunicationPTCL