Hi, how can we help you?

Download the app and enter your mobile number. We send a 6 digit code by SMS, which fills in by itself on most phones. Add your name, create a 4 digit MPIN and you are in. It takes about two minutes.

Yes. There is no fee to open or keep an account and no minimum balance. See our schedule of charges for the few services that have a fee.

Go to Profile, then Limits and level, then Verify my CNIC. Take a photo of the front and back of your CNIC, check your details and confirm. We check them with NADRA, and your account moves to Level 1 with higher limits.

Yes. Tap the language button on the first screen, or go to Profile, then App, then Language. The whole app switches to Urdu right away.

No. For your safety, your account is active on one phone at a time. If you log in on a new phone, the old one is logged out.

Transfers to ApnaPay wallets arrive instantly. Bank transfers usually arrive within seconds. If a bank is slow, the payment shows as Pending and we update it for you.

Open the payment in Activity and tap "Report an issue". Our team will contact the receiver's bank or wallet and try to recover it. Always check the name we show before you pay.

Enter the receiver's CNIC, mobile number and name, then pay. They get an SMS and can collect the cash from any ApnaPay agent by showing their CNIC. The fee is 1% of the amount, from Rs 30 to Rs 200.

Do not worry. Failed payments are reversed and the full amount, including any fee, goes back to your wallet. This normally happens within minutes. If it has not, report it from the payment.

It is printed at the top of your paper bill. Electricity bills use a 14 digit reference number. Gas bills use a consumer ID.

Yes. Bills are paid in real time. You get an e-receipt in the app that you can share or save as proof.

On the Mobile load screen, tap "Ported number? Pick the network" and choose the right network before you load.

Open the Cards tab and tap Activate. Confirm with your MPIN and your card is ready for online payments right away.

Open the Cards tab and tap Freeze. No payments can be made until you unfreeze it. You can also turn off online payments only.

Tap "Forgot MPIN?" on the login screen. We send a code to your registered number, and then you can set a new MPIN.

Your account locks after 5 wrong MPIN tries. Tap "Forgot MPIN?" and reset it with the code we send to your number.

Call 0800-00000 right away and we will block your account. Your money stays safe. When you get a new phone, log in with your number and MPIN.

A Basic account can send up to Rs 25,000 a day and Rs 50,000 a month. Verify your CNIC to raise this to Rs 100,000 a day and Rs 500,000 a month. See all account limits.

Only CNIC transfers (1%, from Rs 30 to Rs 200) and adding money from a credit card (1.5%). Everything else is free. See the full schedule.