Pakistan

Account channel

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· Real Time for the beneficiary account that is registered in IBFT Network. Can be verify via Account validation.
· T+0 Pakistan Banking days for transaction received before 3.00PM (Pakistan timezone, GMT +5).
· T+1 Pakistan Banking days for transaction processed and credited after Mon- Fri 3.00pm (Pakistan timezone, GMT +5).
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
Compliance accumulated limit PKR 2,000,000.00 per day per Beneficiary

Transaction will be on hold for compliance review based on the supporting document should the sender or receiver has exceeded the compliance limit.
Maximum BeneficiaryNo restriction
Service ChargeTransaction Fee will not be refunded 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.
Do_Transfer bAccType Value1

Supported bank

NoNameIssuer Code
1 Deutsche Bank 920037
2 STANDARD CHARTERED BANK 920031
3 Al Baraka Bank Pakistan Limited 920030
4 ALLIED BANK LIMITED 920004
5 Apna Microfinance Bank 920039
6 Askari Bank Limited 920007
7 BANK ALFALAH LIMITED 920009
8 BANK ALHABIB 920008
9 BANK ISLAMI PAKISTAN LIMITED 920027
10 BANK OF AZAD JAMMU KASHMIR 920033
11 BANK OF KHYBER 920032
12 BANK OF PUNJAB 920003
13 BARCLAYS BANK LIMITED 920024
14 Burj Bank 920010
15 CITI BANK 920020
16 Dubai Islamic Bank Ltd 920011
17 FAYSAL BANK LIMITED 920012
18 FIRST MICRO FINANCE BANK LIMITED 920034
19 FIRST WOMEN BANK LIMITED 920023
20 Habib Bank Ltd 920005
21 HABIB METROPOLITAN BANK 920013
22 HSBC Bank Limited 920028
23 ICBC 920041
24 JAHANGIR SIDDIQUI BANK LTD 920036
25 KASB BANK LIMITED 920022
26 MCB Islamic Bank 920043
27 MEEZAN BANK LIMITED 920014
28 Model Bank 920035
29 MUSLIM COMERCIAL BANK 920006
30 NATIONAL BANK OF PAKISTAN 920002
31 NIB BANK 920018
32 NRSP 920042
33 Oman International Bank 920025
34 SAMBA BANK 920015
35 SILK BANK 920016
36 Sindh Bank 920021
37 SONERI BANK LIMITED 920017
38 SUMMIT BANK 920026
39 Tameer microfinance bank 920038
40 U Microfinance Bank 920040
41 UNITED BANK LIMITED 920029
42 Waseela 920001
43 THE PUNJAB PROVINCIAL COOPERATIVE BANK LTD 920044
44 Bank Of Tokyo Mitsubishi Ufj Ltd 920045
45 Emaan Islamic Banking Silkbank 920046
46 Faisal Islamic Bank Of Bahrain 920047
47 FINCA Micro Finance BankLimited 920048
48 SME Bank Ltd 920049
49 ZARAI 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 not be refunded 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 PKR 300,000.00
Minimum per Transaction PKR 10.00
Maximum BeneficiaryNo restriction
Service ChargeTransaction Fee will not be refunded 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.
Remarks
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
3MCB Bank Limitedhttps://www.mcb.com.pk/assets/documents/Branch-Network-September-2019.pdfGA261933384230CPMCB
4Bank Al Habib-P382105050042CPBAHL

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 not be refunded 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