2. What is the maximum amount which can be transferred against one CNIC in a month?

The monthly limit for a CNIC is PKR 25,000.

3. What type of Transactions can an agent perform for the customers?

The following transactions can be performed by visiting any UPaisa retailer, Ufone franchise, Ufone service center and Ubank branch.

5. What is Cash Deposit?

Customers can deposit money in their UPaisa Mobile Account from the designated agent locations (Ufone Service Centers, Franchises, Upaisa retailers and Ubank branches). Customers can also add money to their UPaisa accounts through any other Pakistani bank’s internet banking service.

6. What is Cash Withdrawal?

Customers can withdraw cash from their UPaisa Wallet through any Ufone service center, Ufone franchise, UPaisa retailer and Ubank branch. Customers can also request UPaisa debit card and withdraw cash through any 1Link or Mnet powered ATM.

7. Can a customer give any other proof of identity in case CNIC (receiver / depositor) is lost?

No, an original CNIC is a mandatory to initiate or complete an over the counter (OTC) transaction.

8. What information is required during verification?

During verification process, you will be asked about your personal information already provided to NADRA including your CNIC number, mother’s name, place of birth and expiry date of CNIC.

9. To how many bank accounts can you send the funds?

Funds may be sent to, or received from the following banks:

UBank
ABL
Advans MicroFinance
Al Baraka
Apna Bank
Askari Bank
Bank Al habib
Bank Alfalah
Bank Islami
Bank of Punjab

HBL/KONNECT
Habib Metro
ICBC
JS Bank
KASB
Khushhali Bank
MCB
MCB Islamic Bank
Meezan Bank
Mobilink Bank

10. How long would a UPaisa Wallet remain active if customer does not conduct any transaction?

Like other bank accounts, UPaisa Wallet will become dormant if no transaction is conducted for a year. In order to reactivate your wallet, please dial 7777 or 051 111-282-265

11. Will the customer be able to modify/change their UPaisa Mobile Pin via *786#?

Yes, customer can change their MPIN any time from their UPaisa Wallet. The process is as follows:

Dial *786*6*3# or

Dial *786#

Go to My UPaisa Wallet ‘’Reply with 6’’

Go to Change M-PIN ‘’Reply with 3’’

Enter Current M-PIN

Enter new 4-digit M-PIN

Enter 4-digit M-PIN again to confirm

You will receive a confirmation SMS shortly.

12. Can a customer have 2 different accounts (on 2 different MSISDN) on a single CNIC?

No, customers can only have one UPaisa Wallet against a single CNIC.

13. How can a customer (wallet holder) send or receive money?

Customers can transfer funds from their wallet by dialing *786*1#

14. How can a customer (non wallet holder) send or receive money?

For Money Transfer, customers can visit any UPaisa retailer, Ufone Service Centre, Ufone Franchise or Ubank branch with their valid CNIC to perform financial transactions.

15.What kind of transactions can be done on UPaisa Wallet?

Following is the list of transactions that may be conducted through a Upaisa mobile account.

1. Send money:

1) To UPaisa Wallet

2) To CNIC

3) IBFT- Other bank

2. Receive Money:

1) From CNIC

2) From UPaisa Wallet

3. Bill Payment:

1) Utility bill payment

2) Partial bill payment

3) EVC airtime purchase (only OTC by Agents)

4. Load and Super Card Family:

1) Uload (prepaid)

2) Postpay bill pay

3) Other networks load (Prepaid and Postpaid)

4) Super Card Family

5. Donation/Collection:

1) Akhuwat Donation

2) Akhuwat Zakat

3) Jabir Bin Hayyan Trust

4) Shaukat Khanam Memorial Trust

5) Shida Foundation

6) Shifa Eye Trust

7) The SCP and PM of PAK diamer Bhasha and Mohmand Dams Fund

8) Vision Forty-Seven Foundation

6. My UPaisa Wallet:

1) UPaisa Wallet Balance Inquiry

2) UPaisa Mini Statement

3) Change M-PIN

4) Generate OTP

5) ATM Pin Management

6) My UPaisa Account No.

7. Loan Repayments:

1) SRSO

2) CSD HP

16. Does a customer need to have a mobile phone to avail this service?

Yes, it is necessary for customers to provide their own mobile number. They will receive SMS notifications which will contain the transaction ID (TID) which will be used for receiving the transaction, along with confirmation of successful transactions.

17. How long the receiver has to wait after the sender sends the money?

After completing a transaction, customer will receive a confrimation SMS. It takes few seconds before receiver is able to receive funds from anywhere across Pakistan!

18. Which utility bills can be paid through UPaisa Wallet?

Following is the list of companies to which payments may be made:

1) Electricity:

i) IESCO

ii) KESC

iii) GEPCO

iv) FESCO

v) MEPCO

vi) LESCO

vii) HESCO

viii) SEPCO

ix) PESCO

x) QESCO

2) Gas

i) SNGPL

ii) SSGC

3) Telephone

i) PTCL

ii) PTCL EVO

iii) Postpaid

3) Water

i) ABWASA

ii) CDGK

iii) FWASA

iv) GWASA

v) KWSB

vi) LWASA

vii) RWASA

viii) WASAM