# Easypaisa vs JazzCash: which wallet to use

URL: https://which.pk/money/guides/easypaisa-vs-jazzcash/
Author: Hassam Imtiaz
Updated: 10 Oct 2026

## Summary

Easypaisa and JazzCash charge almost the same for everyday use: free wallet-to-wallet transfers, identical cash-out slabs (Rs 180 to withdraw Rs 10,000) and Rs 35 per ATM withdrawal. Easypaisa is cheaper if you pay many bills, which are free, while JazzCash charges Rs 5 to Rs 30 per bill and Rs 1 per app transaction. Figures come from easypaisa's October to December 2026 schedule and JazzCash's July to September 2026 schedule. JazzCash publishes its account limits; easypaisa doesn't.

## Key facts

- Wallet to wallet: Free on both
- Cash out Rs 10,000: Rs 180 on both
- ATM withdrawal: Rs 35 on both
- Bill payments: Free vs Rs 5–30

Easypaisa vs JazzCash comes down to small differences, because their main fees are the same: **free wallet-to-wallet transfers, Rs 180 to cash out Rs 10,000 at an agent and Rs 35 per ATM withdrawal**. Easypaisa is cheaper if you pay several bills a month, since it charges nothing for them. JazzCash charges Rs 5 to Rs 30 per bill and Rs 1 per app transaction. Figures are from easypaisa's October to December 2026 schedule and JazzCash's July to September 2026 schedule.

**Cash out Rs 10,000 at an agent:** Rs 180 on both (Including tax. easypaisa Oct–Dec 2026 and JazzCash Jul–Sep 2026 schedules of charges)

## Easypaisa vs JazzCash: how do the fees compare?

Both wallets publish a schedule of charges. JazzCash's is issued by Mobilink Microfinance Bank. We couldn't find its October to December 2026 schedule on the bank's website on 10 Oct 2026, and jazzcash.com.pk blocked our fetches, so JazzCash figures below are from **July to September 2026**.

| Service | easypaisa (Oct–Dec 2026) | JazzCash (Jul–Sep 2026) |
|---|---|---|
| Open an account | Free | Free |
| Send to another wallet of the same brand | Free | Free |
| Send to a bank or other wallet (IBFT) | Free up to Rs 25,000 a month, then 0.1% or Rs 200 (lower) | Free up to Rs 25,000 a month, then 0.1% or Rs 200 (lower), plus a Rs 1.55 processing fee |
| Send to a CNIC, Rs 8,001–10,000 | Rs 320 | Rs 320 |
| Send to a CNIC, Rs 20,001–25,000 | Rs 600 | Rs 650 |
| Cash out at an agent, Rs 8,001–10,000 | Rs 180 | Rs 180 |
| Cash out at an agent, Rs 40,001–50,000 | Rs 690 | Rs 690 |
| ATM withdrawal | Rs 35 (free at easypaisa Bank branch ATMs) | Rs 35 |
| Cash deposit at an agent | 0.5% + tax | 0.5% + FED |
| Utility bills from the wallet | Free | Rs 5 to Rs 30 per bill (see below) |
| Mobile load | First 5 a month free, then Rs 2 to Rs 10 each | Free |
| Fee per transaction | Rs 1 on USSD (none listed for the app) | Rs 1 on USSD and Rs 1 in the app |
| Inactivity fee | None listed | Rs 100 a month after 12 months with no activity |

Easypaisa adds government taxes on top of any fee not marked "incl. tax". JazzCash lists fees excluding tax unless marked. The cash-out and ATM fees above include tax on both. Both say they may charge less than the listed fee.

The IBFT rule is identical in both schedules, so sending from easypaisa to JazzCash, or the other way, costs the same as sending to a bank. Both apps also send money through **Raast**, the instant payment system. Both call Raast transfers free.

## Which is cheaper for bill payments?

Easypaisa: utility bills, other bills, online payments and QR payments in shops are all free in its October to December 2026 schedule. M-Tag top-ups cost Rs 10 each.

JazzCash charges for utility bills paid from the wallet, counted per calendar month:

| Bill in the month | JazzCash fee per bill |
|---|---|
| 1st to 3rd | Rs 5 |
| 4th to 9th | Rs 20 |
| 10th onwards | Rs 30 |

Postpaid bills, internet bills and prepaid load from the JazzCash wallet are free, and so are bills paid over the counter at an agent. Paying by Raast QR is free for consumers.

**Five utility bills a month:** Rs 0 vs Rs 55 (easypaisa free; JazzCash Rs 5 × 3 + Rs 20 × 2, before the Rs 1 app fee per transaction)

## What does each charge to withdraw cash?

The two cash-out tables are the same, slab for slab:

| Amount withdrawn | Fee (incl. tax) |
|---|---|
| Rs 1–200 | Rs 7 |
| Rs 501–1,000 | Rs 20 |
| Rs 2,501–4,000 | Rs 70 |
| Rs 4,001–6,000 | Rs 100 |
| Rs 8,001–10,000 | Rs 180 |
| Rs 16,001–20,000 | Rs 330 |
| Rs 20,001–25,000 | Rs 380 |
| Rs 40,001–50,000 | Rs 690 |

At an ATM, a withdrawal of any size costs Rs 35 on both, including 1-Link charges. For larger amounts the ATM is far cheaper: Rs 35 against Rs 380 for Rs 25,000.

Easypaisa withdrawals are free at easypaisa Bank branch ATMs, and cash deposits and withdrawals at easypaisa branches are free for its Digital Accounts. On JazzCash, freelancers paid through Payoneer get 2 free ATM withdrawals in the month the payment arrives.

**Non-filers pay 0.8% above Rs 50,000 a day:** Easypaisa's schedule notes that 0.8% withholding tax applies when a non-filer withdraws more than Rs 50,000 in a day, on the full day's withdrawals. This is a tax, not a wallet fee. See [filer vs non-filer](/business/guides/filer-vs-non-filer/).

## What are the account levels and limits?

JazzCash published this limits table on its website, read from the Internet Archive copy of 1 Sep 2026 (figures in Rs):

| JazzCash account | Daily (in / out) | Monthly (in / out) | Maximum balance |
|---|---|---|---|
| Level 1 (basic) | 1 lakh / 1 lakh | 3 lakh / 3 lakh | 30 lakh |
| Asaan Digital Account | 30 lakh / 10 lakh | 30 lakh / 10 lakh | 30 lakh |
| Digital Account | 10 lakh / 10 lakh | 35 lakh / 35 lakh | 50 lakh |

Upgrading to an Asaan Digital Account or Digital Account cost nothing in JazzCash's July to September 2026 schedule, down from Rs 99 in January to March. In-app biometric verification costs Rs 100.

We couldn't find easypaisa's limits on its website. Its FAQ says daily, monthly and yearly limits depend on your account level, and you raise them by scanning your hands in the app (Account Level, then Upgrade your Account). Its fees for moving up are Rs 99 for biometric verification from Level 0 to Level 1 and Rs 75 to request an Asaan Digital Account from Level 1. Check your current limits in the app before a large transfer.

## Which banks are behind easypaisa and JazzCash?

**Easypaisa** is run by easypaisa Bank Ltd., formerly Telenor Microfinance Bank. SBP approved it as Pakistan's first digital retail bank on 28 January 2025, Profit reported. As of January 2025, Telenor Group and Ant Group, which runs Alipay, were the shareholders; Ant bought a 45% stake for USD 184.5 million. Easypaisa's website (undated) says it has 55+ million users.

**JazzCash** belongs to VEON and runs its wallet with **Mobilink Microfinance Bank**, which issues its fee schedules. JazzCash said it had 60 million registered customers at the end of March 2026, with 29.2 million active in January to March 2026.

Easypaisa received SBP approval as a digital bank in January 2025, and JazzCash's website says its transactions are under SBP's regulatory oversight. For other app-based options, see [NayaPay vs SadaPay](/money/guides/nayapay-vs-sadapay/) and [digital banks in Pakistan](/money/guides/digital-banks-pakistan/).

## Which debit card is cheaper?

| Card | easypaisa (Oct–Dec 2026) | JazzCash (Jul–Sep 2026) |
|---|---|---|
| PayPak | Rs 1,000 to issue | Rs 999 to issue, Rs 299 a year |
| Visa or Mastercard (physical) | Rs 1,000 (Visa) | Rs 999 (Mastercard), Rs 99 a year |
| Virtual or online card | Rs 500 (Visa Online) | Rs 300 (Mastercard virtual), no annual fee |

Easypaisa also lists a UnionPay card at Rs 999. For cards abroad, see [credit cards in Pakistan compared](/money/guides/credit-cards-pakistan-compared/).

## Which wallet should you use?

- **You pay several bills from your phone:** easypaisa, because bills are free. JazzCash costs Rs 55 for five bills a month.
- **You mostly cash out:** it makes no difference at agents. Use an ATM for anything above Rs 1,000, where Rs 35 beats the Rs 40 agent fee.
- **You send to bank accounts:** the same on both. Keep IBFT under Rs 25,000 a month, or use Raast.
- **You rarely use the wallet:** easypaisa lists no inactivity fee. JazzCash charges Rs 100 a month after 12 months without use.
- **You're a freelancer paid through Payoneer:** JazzCash gives 2 free ATM withdrawals in the month of payment. See [freelancer payment methods](/business/guides/freelancer-payment-methods-pakistan/).

**Wallet loans are expensive:** As of their latest schedules, easypaisa's easycash costs up to 5% a week in the app, compounded weekly, to a maximum of 40% over 8 weeks. JazzCash's ReadyCash costs 5% a week for up to 8 weeks, also capped at 40% per loan.

More guides: [Banking & Payments](/money/banking/), [NayaPay vs SadaPay](/money/guides/nayapay-vs-sadapay/), [best bank in Pakistan](/money/guides/best-bank-in-pakistan/), [Money](/money/).

## Questions people ask

### Easypaisa vs JazzCash: which is better?

On fees they are almost the same: free wallet-to-wallet transfers, the same cash-out slabs and Rs 35 at ATMs. Easypaisa is cheaper for bills, which are free, and JazzCash adds Rs 1 per app transaction, as of their latest schedules.

### What are the charges to send money from easypaisa to JazzCash?

Transfers to banks and other wallets are free up to Rs 25,000 a month on both. Above that, each transfer costs 0.1% or Rs 200, whichever is lower. Raast transfers are free on both.

### What does JazzCash charge on cash withdrawal?

At an agent, Rs 180 to withdraw Rs 8,001 to Rs 10,000 and Rs 690 for Rs 40,001 to Rs 50,000. At any ATM it's Rs 35. That is JazzCash's July to September 2026 schedule; easypaisa's October to December 2026 fees are the same.

### What is the JazzCash limit per month?

A Level 1 JazzCash account can send and receive Rs 3 lakh a month and Rs 1 lakh a day, with a Rs 30 lakh maximum balance, per JazzCash's website in September 2026. An Asaan Digital Account allows more.

### Which bank is behind easypaisa and JazzCash?

Easypaisa is run by easypaisa Bank Ltd., formerly Telenor Microfinance Bank, which SBP approved as a digital retail bank on 28 January 2025. JazzCash works with Mobilink Microfinance Bank and belongs to VEON.

## Sources

- [Schedule of Bank Charges, Branchless Banking, October to December 2026](https://easypaisa.com.pk/public-information/Schedule-of-Bank-Charges/Schedule-of-Bank-Charges-Branchless-Banking-English.pdf), easypaisa Bank (accessed 10 Oct 2026)
- [Branchless Banking Schedule of Charges (JazzCash), July to September 2026](https://mobilinkbank.com/assets/documents/SOC_Q3_2026_-_Final.pdf), Mobilink Microfinance Bank (accessed 10 Oct 2026)
- [Branchless Banking Schedule of Charges (JazzCash), January to March 2026](https://mobilinkbank.com/assets/documents/SOC_Q1_2026.pdf), Mobilink Microfinance Bank (accessed 10 Oct 2026)
- [Money Transfer and mobile account limits (Internet Archive copy, 1 Sep 2026)](https://web.archive.org/web/20260901044630/https://www.jazzcash.com.pk/move-money/money-transfer), JazzCash (accessed 10 Oct 2026)
- [JazzCash crosses 60 million registered customers (14 May 2026, Internet Archive copy)](https://web.archive.org/web/20260723210828/https://www.jazzcash.com.pk/news/jazzcash-crosses-60-million-registered-customers-processes-pkr-16.8-trillion-usd-59.7-billion-in-annual-gross-transaction-value-to-march-2026-accelerating-pakistans-shift-to-a-cashless-economy), JazzCash (accessed 10 Oct 2026)
- [JazzCash](https://mobilinkbank.com/digital-banking/jazz-cash), Mobilink Microfinance Bank (accessed 10 Oct 2026)
- [FAQs](https://easypaisa.com.pk/faqs/), easypaisa Bank (accessed 10 Oct 2026)
- [About easypaisa](https://easypaisa.com.pk/about-us/), easypaisa Bank (accessed 10 Oct 2026)
- [Payments](https://easypaisa.com.pk/payments/), easypaisa Bank (accessed 10 Oct 2026)
- [Easypaisa set to drive Pakistan's fintech revolution with backing from Telenor and Alipay](https://profit.pakistantoday.com.pk/2025/01/30/pak-china-collaboration-easypaisa-becomes-pakistans-first-digital-bank/), Profit (Pakistan Today) (accessed 10 Oct 2026)