Easypaisa Account: How to Open, Limits, Loan and Helpline
Easypaisa is a mobile wallet and digital bank account that you can open free on any Pakistani network with your CNIC. The quickest way is the official easypaisa app; Telenor users can also dial *786#, and the company lists *2262# for Jazz, Zong and Ufone numbers. This guide explains how to open and verify an Easypaisa account, use it day to day, check limits and charges, and reach the helpline.
Quick facts
| Item | Details |
|---|---|
| Run by | Easypaisa Bank Limited, a digital retail bank licensed by the State Bank of Pakistan |
| Official website | easypaisa.com.pk |
| App | easypaisa, on Google Play, the App Store and Huawei AppGallery |
| USSD codes | *786# on Telenor; *2262# on Jazz, Zong and Ufone |
| Easypaisa helpline number | 3737 from Telenor; 042-111-003-737 from other networks |
| What you need | Valid CNIC with its date of issue, and an active mobile number |
| Cost to open | Free |
How to open an Easypaisa account in the app
Keep your CNIC (computerised national identity card) with you. An expired card is not accepted, so renew it first through NADRA.
- Install the easypaisa app from your phone’s official store. The developer name should be Easypaisa Bank Limited.
- Enter your mobile number. It must be active because a one-time password (OTP) is sent to it.
- Enter your 13-digit CNIC number and the date of issue printed on the card.
- Let the app read the OTP automatically, then accept the terms and conditions.
- Create a 5-digit PIN. It cannot be a simple sequence and cannot repeat one digit more than three times.
Only one account is allowed per mobile number and per CNIC. The account name is taken from your CNIC and cannot be changed.
How to open an Easypaisa account by USSD
USSD menus work without internet or a smartphone.
- Dial *786# from a Telenor SIM. Easypaisa’s FAQ gives *2262# for Jazz, Zong and Ufone SIMs.
- Enter your CNIC number and its date of issue.
- Create a 5-digit PIN.
- Enter the PIN again to confirm.
If the code does not respond, use the app or call the helpline.
How to verify and upgrade your account
A new account has low limits. Under State Bank of Pakistan (SBP) rules, a higher level needs biometric verification, a fingerprint check against NADRA records.
- Open the app and tap your profile picture.
- Tap Account Level, then Upgrade your Account.
- Scan your left hand and right hand when the app asks.
- Fill in the details requested and tap Upgrade.
How to send money
- Log in and choose the transfer type on the home screen: easypaisa (to another Easypaisa account), Bank Transfer, Raast or CNIC Transfer.
- Enter the receiver’s mobile account number, bank account number, Raast ID or CNIC, as the screen asks.
- For bank and Raast transfers, select the purpose of payment.
- Enter the amount, read the name and any fee shown, then tap Transfer or Send now.
A Raast ID is a mobile number linked to an account in the SBP’s instant payment system.
How to pay bills
- Log in and tap Bill Payments.
- Select the bill type and choose the company from the list.
- Enter the consumer or reference number printed on your bill.
- Check the amount and due date, then confirm.
To see the amount before you pay, use our online bill check guide.
Cash deposit and withdrawal at agents
To deposit, give an Easypaisa agent your account number and the cash. Find shops through Store Locator in the app menu. You can also add money by transfer from a bank account.
To withdraw, visit an Easypaisa shop, use the debit card at a 1LINK or M-Net ATM, or move the money to a bank account. Under an SBP instruction, agents verify the account holder biometrically for cash deposits and withdrawals, so go yourself and wait for the confirmation SMS.
Easypaisa charges and account limit
Opening an account is free. Other fees are revised often, so check them at the source instead of trusting a figure quoted elsewhere.
- Easypaisa charges: the official Schedule of Charges page has the branchless banking schedule in English and Urdu. Easypaisa says charges are revised every three months.
- Easypaisa account limit: daily, monthly and yearly sending and receiving limits depend on your account level. See yours under profile picture, then Account Level.
- After upgrading: the website says limits can rise to as much as Rs 10 lakh (as of October 2026).
Easypaisa loan (Easycash): how it works and what it costs
Easycash is a small short-term loan paid into your account without documents or security. This section describes the product only; it is not advice to borrow.
- Tap Easycash in the app, or dial *786*7# and press 1.
- Select an amount from the offer shown to you.
- Read the fee and due date, then enter your PIN to accept the terms.
- To repay, open Easycash and choose full or partial payment, or dial *786*7# and press 2.
The app’s Google Play listing, updated in September 2026, gives a range of Rs 200 to Rs 25,000, a tenor of no less than 60 days and a maximum annual rate of 32% to 40%. Its example shows Rs 20,000 borrowed, a service fee of Rs 6,400 and Rs 26,400 repaid. Parts of the website still mention up to Rs 10,000, so treat the offer and cost shown in your own app as the real ones.
Easypaisa debit card
Order a card from My Account in the app. PayPak is the default card, and Visa and UnionPay cards are also listed. A one-time fee is deducted when you order.
To set the card PIN, open Manage Card, enter the card’s last four digits and choose a PIN. Easypaisa says the card works in Pakistan only and that only the Visa card works for online payments. Block a lost card in the app or through the helpline.
Easypaisa helpline number and lost phone
Call 3737 from a Telenor number or 042-111-003-737 from any other number. The FAQ also links a WhatsApp chat on 0341-1103737.
If your phone is lost or stolen, call 042-111-003-737 from another phone and ask for the account to be blocked, then ask your mobile operator to block the SIM. The app asks for your PIN at every login, so keep the PIN secret.
Never share your PIN or OTP. Easypaisa staff do not need them, so anyone who asks for them on a call, SMS or WhatsApp is a fraudster.
Problems and fixes
- Forgot PIN: enter your mobile number in the app, tap Forgot PIN, then enter your CNIC and a new PIN twice.
- Account blocked after wrong PIN attempts: the FAQ says to dial *786*8*1# from your registered number, enter your CNIC and set a new 5-digit PIN.
- OTP not arriving: you can request an OTP up to three times a day. After that, call the helpline.
- Money sent to the wrong person: a CNIC transfer can be reversed in the app. For a transfer to another account or bank, call the helpline at once with the transaction ID.
- Limit exceeded: upgrade your account level in the app.
- Need a statement: tap your profile picture, then Transaction History, for the last 30 days.
Comparing wallets? Read Easypaisa vs JazzCash or see all mobile wallets guides.
Frequently Asked Questions
What is the Easypaisa helpline number?
Dial 3737 from a Telenor SIM, or 042-111-003-737 from any other network.
Can I open an Easypaisa account on Jazz, Zong or Ufone?
Yes. Easypaisa says any network can be used, through the app or the *2262# code it lists for these networks.
Is an Easypaisa account free?
Opening is free according to Easypaisa’s FAQ. Individual services can carry fees, listed in its Schedule of Charges.
What is the Easypaisa account limit?
It depends on your account level, shown under Account Level in the app. The website says an upgraded account can go up to Rs 10 lakh as of October 2026.
Can I use the Easypaisa debit card abroad?
Easypaisa’s card page says the debit card can only be used across Pakistan.