JazzCash Account: How to Open, Charges, Loan and Helpline
JazzCash is a mobile wallet account, provided by Mobilink Microfinance Bank, that you open on any network with the JazzCash app, your CNIC and a fingerprint check. Jazz SIM users can also reach it by dialling *786#. Registration costs nothing, and this guide covers setup, the MPIN, limits, charges, the ReadyCash loan and the helpline.
Quick facts
| Item | Details |
|---|---|
| Provided by | Mobilink Microfinance Bank Limited, under State Bank of Pakistan rules |
| Official website | jazzcash.com.pk |
| App | JazzCash, on Google Play and the App Store |
| USSD code | *786# from a Jazz SIM |
| JazzCash helpline number | 4444 from Jazz; 111-124-444 with city code from other phones |
| 0325-4444-786 | |
| What you need | CNIC, an active mobile number and biometric verification |
| Registration fee | Rs 0 (as of October 2026) |
How to create a JazzCash account in the app
The app works for Jazz, Zong, Telenor and Ufone numbers alike. Keep your CNIC (national identity card issued by NADRA) in hand.
- Install the JazzCash app from the official store.
- Enter an active mobile number that is in the same phone.
- Type the one-time password (OTP) sent to that number.
- Add the personal information the app asks for.
- Create your 4-digit MPIN, the secret code that approves every payment.
- Complete the biometric verification (BVS), which checks your fingerprints with NADRA.
The account is created once NADRA verification succeeds, but JazzCash blocks transactions for the first 2 hours. Only one account is allowed per CNIC and mobile number.
How to register with *786# on a Jazz SIM
JazzCash’s terms name USSD as the second way to create an account. It needs no smartphone.
- Dial *786# from your Jazz SIM.
- Follow the registration prompts and enter the CNIC details requested.
- Set your 4-digit MPIN when asked.
On another network, use the app instead.
JazzCash account levels and limits
Your level decides how much you can move. JazzCash publishes these limits in its terms (as of October 2026):
| Level | Daily debit | Monthly debit | Maximum balance |
|---|---|---|---|
| Level 0 | Rs 25,000 | Rs 50,000 | Rs 200,000 |
| Level 1 | Rs 100,000 | Rs 300,000 | Rs 1,000,000 |
| Asaan Digital Account | Rs 1,000,000 | Rs 1,000,000 | Rs 3,000,000 |
| Digital Account (Level 2) | Rs 1,000,000 | Rs 3,500,000 | Rs 5,000,000 |
Upgrades are done in the app, so use one if you hit a limit. An Asaan Digital Account upgrade is usually instant; a Digital Account needs proof of income and can take up to 2 working days. The schedule of charges lists both at Rs 0.
How to send money from JazzCash
- Open Money Transfer in the app.
- Pick the route: JazzCash to JazzCash, Bank Transfer (IBFT), CNIC Transfer (for people without an account), Other Wallets or RAAST Transfer.
- Enter the receiver’s JazzCash number, bank account, CNIC, or Raast ID or mobile number.
- Enter the amount and review the receiver’s name and the charges.
- Confirm with your MPIN.
JazzCash says a failed transfer returns to your wallet automatically; if it is not back within 24 hours, call the helpline.
How to pay a bill
- Tap Bill Payments on the app home screen.
- Choose the bill category, then the company.
- Enter the reference number printed on your bill.
- Check the details and confirm with your MPIN.
To see the amount first, use our online bill check guide.
JazzCash charges
These figures come from the latest schedule of charges on the JazzCash website as of October 2026, issued for July to September 2026. Fees exclude tax unless stated.
| Service | Charge |
|---|---|
| JazzCash to JazzCash transfer | Free |
| Transfer to a bank account | No transfer fee up to Rs 25,000 in total per month; after that 0.1% or Rs 200, whichever is lower. A processing fee from Rs 1.55 is also listed |
| Cash withdrawal at an agent | By slab, from Rs 7 (up to Rs 200) to Rs 690 (Rs 40,001 to 50,000), tax included; for example Rs 180 for Rs 8,001 to 10,000 |
| ATM withdrawal | Rs 35, tax included |
| Utility bill from wallet | Rs 5 each for the first three bills in a month, Rs 20 for the 4th to 9th, Rs 30 from the 10th |
| Inactive account | Rs 100 a month after 12 months with no activity |
The schedule also lists a cash-in fee of 0.50% of the amount, so ask the agent what applies before you deposit. A new schedule is issued each quarter on the official page.
Cash deposit and withdrawal
Find a shop with the agent locator on the JazzCash website, give your number and wait for the SMS. A State Bank of Pakistan instruction requires agents to verify the account holder biometrically for these transactions, so go in person.
JazzCash loan (ReadyCash): how it works
ReadyCash is a short-term loan paid into the wallet of selected users, based on a credit score. This describes the product and its cost; it is not advice to borrow.
- Open the app and select ReadyCash Loan.
- Check your eligible limit and enter an amount.
- Review the details before you accept.
- Amount: the product page gives a range of Rs 100 to Rs 50,000. Your own limit is shown in the app.
- Cost: 5% of the amount per week for up to 8 weeks, a maximum of 40% per loan (as of October 2026). JazzCash’s example: Rs 100 becomes Rs 120 due after four weeks and Rs 140 after eight.
- Time: the standard due date is 28 days and the maximum is 56 days. Repaying early lowers the fee.
- If you do not repay: JazzCash may deduct money from your account after 28 days and may report you as a defaulter to the State Bank’s credit bureau (eCIB).
You can repay in part or in full through the app, USSD or a JazzCash retailer.
JazzCash debit card
Order from the Debit Card section of the app: choose a card, confirm, complete biometric verification and enter your MPIN. Delivery is quoted at 15 working days.
As of October 2026 the schedule lists a PayPak card at Rs 999 to issue and Rs 299 a year, a physical Mastercard at Rs 999 and Rs 99 a year, and a virtual Mastercard at Rs 300 with no annual fee. To block a lost card, dial *786*6*4*3# from a Jazz SIM, use the app or call the helpline.
JazzCash helpline number and blocking your account
Call 4444 from a Jazz number at any hour. From other phones, dial 111-124-444 with a city code, for example 051-111-124-444.
If your phone or SIM is lost, ask your mobile operator to block the SIM, then tell JazzCash customer service straight away so access to the account is blocked. Use 111-124-444, since 4444 only works from a Jazz SIM.
JazzCash states that it will never ask for your PIN, OTP or password. Never share them on a call or message, and report suspicious callers to the helpline.
Problems and fixes
- Forgot MPIN: try the forgot MPIN option in the app. If that fails, call the helpline from your registered number.
- Payment refused: a new account cannot transact for 2 hours, and an old one may have reached its limit.
- Money sent to the wrong person: the terms say a completed transfer cannot be reversed and your claim is against the receiver. Call the helpline immediately with the transaction ID.
- Account dormant: after 12 months without activity, call the contact centre from your registered number to reactivate it.
- Complaint not resolved: the contact page lists the State Bank’s Sunwai portal as the next step.
Read Easypaisa vs JazzCash or see all mobile wallets guides.
Frequently Asked Questions
What is the JazzCash helpline number?
It is 4444 from a Jazz SIM and 111-124-444, dialled with a city code, from any other phone, 24 hours a day.
Can I make a JazzCash account on Zong, Telenor or Ufone?
Yes. JazzCash says the app accepts an active number on any network. The *786# menu is for Jazz SIMs.
Is a JazzCash account free?
Registration is listed at Rs 0 as of October 2026. Services such as cash withdrawal carry fees.
How much does ReadyCash cost?
The published fee is 5% of the loan per week for up to 8 weeks, so at most 40% of the amount, as of October 2026.