Schedule of Charges

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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	0.50% + FED of transaction 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 (Excl. FED)*
Cash Deposit into Business Account	0 – 50,000@0.5% of Transaction Amount + FED

2. Payment Acceptance Service Charges on Business Account

*Use-case*	*Total Fee (Excl. 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 (Excl. 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

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

Fee (Excluding tax ) unless otherwise mentioned

M-Wallet Registration

Asaan Digital Account Upgrade

Freelance Digital Account

Asaan Digital Remittance Account

Upgradation L2 (Digital Account)

Balance Check Via USSD

Funds Transfer – IN from Debit Card (Pulling funds into MA from Debit/Credit

Cards)

Postpaid Bill Payment

through M-Wallet

Mini statement M- Wallet/App

Utility Bill Payment OTC

Utility Bill Payment through M-Wallet

Rs. 5 on 1^st,2^nd and 3^rd bill
Rs. 20 on 4^th and subsequent bill payments till 9^th Bill.
10^th bill and upward Rs 30 per transaction.
Charges as per calendar month

Postpaid Bill Payment OTC

Prepaid Load through M-

Wallet

Other Operator Prepaid Load

through M-Wallet

Donations through M-Wallet

Internet Bill Payment OTC

Internet Bill Payment M-

Wallet

Cash Out from CNIC

*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

Master Card Physical Card

Replacement Fee

799

Master Card Virtual Card

Issuance Fee

300

Master Card Virtual Card

Annual Fee

Visa Card Annual Fee

Women Card Issuance Fee

999

Women Card Annual Fee

Tap & Pay subscription Fee

Rs 1

Balance Enquiry via 1-Link/M-NET ATM

Rs 4

IBFT into M-Wallet

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. 100/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 2400 , Monthly: Rs. 240 , Daily: Rs. 24

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

Medical Insurance 3

Annual Rs 2900

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

**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 of the amount or PKR 200 (lower amount to be charged)

Transaction processing Fee

*****

Rs 1.55

Cash In Fee (exclusive of FED)

0.50%

Bulk C2C feature *******

Rs 20/Bulk Transaction

Monthly Subscription Rs 100

MDR on receiving International Payments through “pay via link” (Freelance segment)

Money Transfer from M-

Wallet to CNIC

0 – 1,000

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

1,001 – 2,500

2,501 – 4,000

4,001 – 10,000

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

201-500

501-1,000

1,001-2,500

2,501-4,000

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

3000- 5000

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

***** Min. fee is mentioned. 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

******** All lending Products and Insurance products are exempted from tax.

JazzCash reserves the right to charge lower or up to the fee mentioned.

Branchless Banking ‘JazzCash Business

(Merchant)

Application’ Schedule of Charges:

Products/Services		Fee (Excluding tax ) unless otherwise mentioned
Transactions through JazzCash Agent, Mobilink Microfinance Bank Branch or Jazz Point	Cash Deposit into Business Account	0.50%
	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% or Rs.200 whichever is less
	*****Transaction processing Fee	Rs 1.55
	Funds Transfer – IN from Debit Card (Pulling funds into MA from Debit/Credit Cards)	3%
	Receive International Remittance	Free
	Mobile Top-Up for any operator	Free
	Utility Bill Payment	Rs. 5 on 1^st, 2^nd and 3^rd bill Rs. 20 on 4^th and subsequent bill payments till 9^th Bill. 10^th 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 incl tax
	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% incl Fed
	Standard MDR on incoming IBFT	2% incl Fed
	Standard MDR on receiving funds from JazzCash Account	2% incl Fed
	Standard MDR on receiving payments through “pay via link”	3%+
	Standard MDR on receiving payments through “tap on phone”	2%
	Monthly subscription fee on receiving payments through “tap on phone”	Rs 0
	JazzCash Khata Settlement	Free service Acceptance on Merchant accounts is 1.25% incl FED
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	0 – 50,000@0.5% of Transaction Amount + 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	0 – 50,000 @ 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