Easypaisa vs JazzCash: which wallet to use

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.

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.

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:

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.

What does each charge to withdraw cash?

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

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.

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):

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 and digital banks in Pakistan.

Which debit card is cheaper?

Easypaisa also lists a UnionPay card at Rs 999. For cards abroad, see credit cards in 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.

More guides: Banking & Payments, NayaPay vs SadaPay, best bank in Pakistan, Money.