JazzCash Consumer Account Charges: Seamless Access and Transparent Fees
JazzCash has revolutionized the way we handle money, offering a plethora of services that cater to a wide range of financial needs. All these services are conveniently accessible through two primary channels: the user-friendly JazzCash Mobile App and the USSD string *786#. The latter is a special feature tailored exclusively for Jazz users, emphasizing the brand’s commitment to providing specialized services for its dedicated customer base.
When discussing the JazzCash rate for various transactions, it’s noteworthy that while many services are free, some come with minimal charges. These charges are designed to be transparent, ensuring users always know what they’re paying for. Whether you’re checking your balance, transferring money, or availing of any other service, understanding the JazzCash charges associated with each transaction can help you manage your finances more effectively.
1. General Services
| Product/Service | Charges |
|---|---|
| Account in-activity fee (For 12 months of inactivity) | Rs. 100/month |
| Mini Statement | No Charges |
| Asaan Digital Account | Rs. 100 |
| Balance Check via USSD | Rs. 0.5 |
| USSD Platform Fee per Transaction | Rs. 1 |
| In-App BVS Pricing | Rs. 100 + Tax |
| Cash-In Pricing | Rs. 50 – 20,000: 0.5% of Amount + Tax; Rs. 20,001 and above: Rs. 100 + Tax |
2. Jazzcash Money Transfer Charges
a. From Mobile Wallet to CNIC
| Amount Range | Charges |
|---|---|
| 0 – 1,000 | Rs. 55 |
| 1,001 – 2,500 | Rs. 110 |
| 2,501 – 4,000 | Rs. 160 |
| 4,001 – 6,000 | Rs. 215 |
| 6,001 – 8,000 | Rs. 270 |
| 8,001 – 10,000 | Rs. 320 |
| 10,001 – 13,000 | Rs. 375 |
| 13,001 – 16,000 | Rs. 430 |
| 16,001 – 20,000 | Rs. 500 |
| 20,001 – 25,000 | Rs. 650 |
b. Cash Out from Mobile Wallet
| Amount Range | Charges |
|---|---|
| 1-200 | Rs. 7 |
| 201-500 | Rs. 12 |
| 501-1,000 | Rs. 20 |
| 1,001-2,500 | Rs. 40 |
| 2,501-4,000 | Rs. 70 |
| 4,001-6,000 | Rs. 100 |
| 6,001-8,000 | Rs. 130 |
| 8,001-10,000 | Rs. 180 |
| 10,001-13,000 | Rs. 230 |
| 13,001-16,000 | Rs. 280 |
| 16,001-20,000 | Rs. 330 |
| 20,001-25,000 | Rs. 380 |
| 25,001-30,000 | Rs. 470 |
| 30,001-40,000 | Rs. 560 |
| 40,001-50,000 | Rs. 690 |
c. JazzCash ATM Cash Withdrawl Charges
| Amount Range | Charges |
|---|---|
| 500 – 2,500 | Rs. 25 |
| 3,000 – 5,000 | Rs. 50 |
| 5,500 – 10,000 | Rs. 100 |
| 10,000 – 20,000 | Rs. 150 |
| >20,000 | Rs. 200 |
d. Other Transaction Charges
| Product/Service | Charges |
|---|---|
| IBFT into Mobile Wallet | No Charges |
| Wallet to Wallet Money Transfer | Rs. 10 (for transactions over Rs. 100) |
| IBFT from Mobile Wallet | Free up to PKR 25,000/month; thereafter, 0.1% + Tax of the amount or PKR 200 + Tax (whichever is lower) |
| 1Link Transaction Processing Fee | Rs. 1 for transactions below 25K; 0.02% for transactions between 25K & 200K; Rs. 40 for transactions over 200K |
| Deposit Via Debit Card | 3% + Tax of Amount |
| Deposit Via Bank Account | 1.2% + Tax of Amount |
Notes:
- Charges for money transfers from Wallet to Wallet remain inapplicable until further instructions from SBP regarding COVID-19.
- IBFT charges from Mobile Wallet are subject to periodic instructions from SBP concerning COVID-19 or other special notifications.
- All IBFT Mobile Wallet transaction fees are in accordance with the 1-link SOC and are inclusive of tax.
You may also like to read: How to Get JazzCash Free Minutes
3. Bill Payment Charges
Managing your bills is easier than ever with JazzCash. Here’s a breakdown of the charges associated with various bill payment services.
| Product | Charges |
|---|---|
| Postpaid Bill Payment | No Charges |
| Prepaid Load | No Charges |
| Other Operator Prepaid Load through Mobile Wallet | No Charges |
| Internet Bill Payment | No Charges |
| Utility Bill Payment | Rs. 5.00 (Incl. Tax) for the first 3 bill payments in a month; Rs. 20.00 (Incl. Tax) after the 3rd bill payment in a month; Rs. 30.00 (Incl. Tax) after the 9th bill payment in a month. Charges are calculated per calendar month. |
4. Debit/ATM Card-Related Charges
JazzCash offers a variety of card services to cater to your financial needs. Below is a detailed breakdown of the charges associated with each card service.
| Product | Charges |
|---|---|
| PayPak Debit Card Issuance (With customer name and delivery) | Rs. 999 |
| PayPak Debit Card Annual Fee | Rs. 299 |
| Re-carding Fee (Non EMV Card to PayPak Card) | Rs. 250 |
| Master Card Physical Card Issuance Fee | Rs. 799 |
| Master Card Physical Card Annual Fee (Effective from Jan’24) | Rs. 99 |
| Master Card Physical Card Replacement Fee | Rs. 599 |
| Master Card Virtual Card Issuance Fee | Rs. 300 |
| Master Card Virtual Card Annual Fee | No Charges |
5. Insurance and Savings Charges
Financial security and savings are paramount. JazzCash offers a range of insurance and savings products to help users secure their future. Here’s a detailed breakdown of the charges for these services.
| Product | Charges |
|---|---|
| Sehat Sahulat Annual | Rs. 999 |
| Sehat Sahulat Monthly | Rs. 83 |
| Beema Annual | Rs. 300 |
| Family Tahafuz Annual | Rs. 1999 |
| Family Tahafuz Monthly | Rs. 165 |
| Family Tahafuz Premium Annual | Rs. 4499 |
| Family Tahafuz Premium Monthly | Rs. 370 |
| Mahfooz Mustaqbil | Rs. 549 |
| Income Protection Plan Annual | Rs. 1500 |
| Income Protection Plan Monthly | Rs. 124 |
| Bachat Account | Interest will be paid on applicable rates |
| Term Takaful | Rs. 1600 |
| Dost Muhafiz | Rs. 1160 |
| Dost Mufahiz Women Health | Rs. 2320 |
| Motorway Insurance | Rs. 140 |
6. Miscellaneous JazzCash Charges
JazzCash also offers a variety of other services to cater to the diverse needs of its users. Here’s a quick look at the charges associated with these additional services.
| Product | Charges |
|---|---|
| ReadyCash | Weekly fee based on applicable rates |
| Donations | No Charges |
7. OTC (Over-The-Counter) Services Charges
JazzCash’s OTC services provide users with a convenient way to manage their financial transactions without the need for a mobile account. Here’s a comprehensive breakdown of the charges associated with 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
For those who utilize Inter Bank Fund Transfer (IBFT) services via OTC or CNIC, the following charges apply:
| Amount Range | 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 |
Note: All charges mentioned for IBFT are inclusive of 1-Link charges.
JazzCash users can make informed decisions about their financial transactions and services with this comprehensive breakdown. Always stay updated with the official JazzCash platform for the most recent information.
Charges for JazzCash Business Account Services
For businesses, JazzCash offers a specialized account with a range of services tailored to meet the unique financial needs of enterprises. Here’s a detailed breakdown of the charges and services associated with the JazzCash Business Account.
1. General Mobile Account Services
For the day-to-day operations, JazzCash Business Account provides a variety of general services. Here’s what you can expect:
| 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 via 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 Services
Transferring money is a crucial aspect of any business. JazzCash Business Account ensures smooth and cost-effective transfers:
| 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 (whichever is lower) |
| Transaction Processing Fee | Rs. 1 per transaction on all transactions below 25K; 0.02% of transaction amount on transactions between 25K & 200K; Rs. 40 on transactions greater than 200K (charges are inclusive of tax) |
| Deposit Via Debit Card | 3% + Tax of Amount Charged |
Notes:
- IBFT charges from Mobile Wallet are subject to change based on time-to-time instructions from SBP, especially in light of events like COVID-19 or other special notifications.
- IBFT charges from Mobile Wallet are periodically updated as per SBP’s instructions.
- All IBFT Mobile Wallet transactions will have a processing fee as per the 1-link SOC.
3. Bill Payment Services
Managing bills is a breeze with JazzCash Business Account. Here’s a breakdown of the charges associated with bill payments:
| Product | Charges |
|---|---|
| Mobile Top-Up for any operator | No Charges |
| Utility Bill Payment | Rs. 5.00 (Incl. Tax) per bill for the first 3 bill payments in a month. Rs. 20.00 (Incl. Tax) after the 3rd bill and Rs. 30.00 (Incl. Tax) after the 9th bill in a month. Charges are calculated per calendar month. |
4. Debit/ATM Card Services
For businesses that rely on card transactions, JazzCash offers a range of card services:
| 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 (Over-The-Counter) Services
JazzCash’s OTC services provide businesses with a convenient way to manage their financial transactions:
1. Cash Deposit into Business Account
| Products/Services | Total FEE (Incl. FED) |
|---|---|
| Cash Deposit into Business Account | 50 – 20,000 @ 0.50% +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 up to Rs. 50,000; then Rs. 23.44 per withdrawal |
4. Cash Withdrawal from Business Account through JazzCash Agent
| Amount Range | Charges |
|---|---|
| 1-200 | Rs. 7 |
| 201-500 | Rs. 12 |
| 501-1,000 | Rs. 20 |
| 1,001-2,500 | Rs. 40 |
| 2,501-4,000 | Rs. 70 |
| 4,001-6,000 | Rs. 100 |
| 6,001-8,000 | Rs. 130 |
| 8,001-10,000 | Rs. 180 |
| 10,001-13,000 | Rs. 230 |
| 13,001-16,000 | Rs. 280 |
| 16,001-20,000 | Rs. 330 |
| 20,001-25,000 | Rs. 380 |
| 25,001-30,000 | Rs. 470 |
| 30,001-40,000 | Rs. 560 |
| 40,001-50,000 | Rs. 690 |
5. Other Services
For other miscellaneous services, here’s what JazzCash Business Account offers:
| Product | Charges |
|---|---|
| Instant Loans for Merchants | Daily Fee of 1% charged up to 28 days |
Notes:
- Cash can only be withdrawn in multiples of 500 at ATM(s).
- Cash withdrawal charges will be deducted from your Mobile Wallet. No need to pay the charge in cash to the Agent.
- Transaction limits apply.
- All fees/charges are inclusive of FED.
- ATM Cash Withdrawal charges are not applicable to corporate customers.
- Freelancers are allowed 2 free ATM withdrawals in a month when they receive remittance.
With this comprehensive guide, businesses can effectively utilize the JazzCash Business Account for their financial needs. Always refer to the official JazzCash platform for the most recent updates and information.
Explore More JazzCash Guides and Tips
While understanding the costs associated with JazzCash, you might also want to apply for a JazzCash Debit Card for seamless transactions. Regularly check your JazzCash balance to monitor your spending. If you need to move your funds, here’s how to transfer money to EasyPaisa. For account management, you can change your JazzCash account number or even delete your JazzCash account if you feel it’s the right decision.
FAQs
Are there any charges for using the JazzCash Mobile App?
Most of the services on the JazzCash Mobile App are free. However, specific transactions might have associated charges. It's recommended to refer to the detailed schedule of charges for precise information.
How much do I get charged for a balance enquiry?
For the JazzCash Business Account, there are no charges for balance enquiries made through the mobile app. However, balance enquiries via 1-Link/M-NET ATM are charged at Rs 3.13.
Is there a fee for transferring money from a JazzCash Business Account to another bank account?
Transfers to any bank account are free up to Rs. 50,000 per month. Subsequent transactions might have charges based on the amount.
Are there any charges for receiving international remittances in my JazzCash Business Account?
No, receiving international remittances in your JazzCash Business Account is free of charge.
What are the charges for cash withdrawal from a Business Account through a JazzCash Agent?
The charges vary based on the withdrawal amount. For instance, for amounts between 1-200, the charge is Rs. 7. It's best to refer to the detailed schedule of charges for specific amounts.
Are there any fees for the issuance of debit cards for merchants?
Yes, the issuance fee for a MasterCard Debit Card for merchants is Rs. 1, while for a PayPak Debit Card, it's Rs. 899.
Is there a fee associated with the Instant Loans for Merchants service?
Yes, there's a daily fee of 1% charged up to 28 days for the Instant Loans for Merchants service.
Are the charges mentioned in the article fixed?
No, charges are subject to change without prior notice. Always refer to the official JazzCash platform for the most recent and accurate information.
Conclusion
JazzCash, with its diverse range of services, has emerged as a leading financial solution for individuals and businesses alike. For consumers, it offers a seamless and user-friendly experience, making everyday transactions a breeze. From checking balances to transferring money, JazzCash ensures that every financial need is just a tap away. On the business front, JazzCash provides a robust platform tailored to cater to the dynamic needs of today’s businesses. Its transparent fee structure, combined with a plethora of services, makes it an indispensable tool for businesses of all sizes. Whether you’re an individual looking to manage your daily expenses, a merchant aiming to streamline transactions, or a business seeking efficient financial solutions, JazzCash stands as a beacon of reliability and transparency in the world of digital finance.
Disclaimer
While we’ve made every effort to ensure the accuracy of the information presented in this guide, it’s essential to note that JazzCash charges, rates, and fees are subject to change without any prior notice. For the most recent and detailed information on JazzCash fee structures and other related services, we strongly recommend referring to the official JazzCash platform. Making informed financial decisions is crucial, and it’s always best to consult the primary source before taking any action.
