Digital wallets have made sending money in Pakistan considerably easier. One common question among users is: How much are Easypaisa account to bank transfer charges? Whether you are transferring money to your own bank account, paying someone else, or moving funds for business purposes, understanding the applicable charges can help you avoid unexpected deductions.
According to Easypaisa’s currently published Schedule of Bank Charges, transfer-out from an Easypaisa mobile account to a bank is listed as free. This means that, under the current published schedule, a standard transfer from an Easypaisa account to a bank account does not carry a separate transfer fee.
However, charges can differ depending on the type of transaction. It is therefore important to distinguish an Easypaisa-to-bank transfer from other services such as cash withdrawal, adding money to a wallet from another bank, or certain interbank transfer services.
What Are the Charges for Bank Transfers With Easypaisa?
The most direct answer is that Easypaisa account to bank transfer charges are currently listed as free in Easypaisa’s published schedule. The schedule specifically identifies “Transfer-out from easypaisa to Bank” as Free.
This is particularly useful for customers who want to move money electronically rather than withdrawing cash first and depositing it into a bank account.
For example:
- Easypaisa account → Bank account: Free according to the current published schedule
- Easypaisa account → Easypaisa account: Free according to the published schedule for transfers in and out of Easypaisa mobile accounts
- Cash withdrawal: Separate charges may apply
- Adding funds to an Easypaisa account from another bank account: A separate fee may apply
The exact amount you receive should always be checked on the transaction confirmation screen before completing a transfer, because financial institutions can revise their fee schedules.
How Much Does Easypaisa Charge on 10,000 Rupees?
If you transfer Rs. 10,000 from an Easypaisa account directly to a bank account, the currently published Easypaisa schedule lists the transfer-out service as free.
That does not mean every transaction involving Rs. 10,000 is free. The cost depends on what you are doing with the money.
For instance, withdrawing Rs. 10,000 in cash is a different transaction from transferring Rs. 10,000 electronically. Easypaisa’s published schedule lists cash-withdrawal fees separately, including a fee of Rs. 180 for a withdrawal between Rs. 8,001 and Rs. 10,000.
This distinction highlights an important tradeoff: electronic transfers can be more economical and convenient than withdrawing cash and subsequently depositing it into a bank account.
Can I Transfer Money From Easypaisa to a Bank Account?
Yes. Easypaisa allows customers to transfer money from their mobile account to a bank account. The current published schedule explicitly includes a “Transfer-out from easypaisa to Bank” service.
The general process involves:
- Open the Easypaisa app.
- Select the bank-transfer option.
- Choose or enter the recipient bank.
- Enter the recipient’s bank-account information.
- Enter the amount.
- Review the transaction details and applicable charges.
- Confirm the transfer.
The exact menu names and verification requirements can change as the app is updated, so customers should follow the instructions displayed in the current Easypaisa application.
How to Transfer Money From Easypaisa to Another Easypaisa Account?
Transferring money between Easypaisa mobile accounts is another option for sending funds. The published schedule lists transfer-in and out to an Easypaisa Mobile Account as free.
Typically, a customer can select the money-transfer option, enter the recipient’s Easypaisa-registered mobile number, specify the amount, review the details and confirm the transaction.
Before confirming, it is good practice to verify the recipient’s number and name where displayed. A wrong recipient can create unnecessary complications, particularly when a transaction has already been completed.
Easypaisa Account to Bank Transfer Charges vs. Other Charges
One reason customers sometimes find Easypaisa fees confusing is that “bank transfer” can refer to different types of transactions.
1. Wallet-to-bank transfer
This is the transaction most people mean when asking about easypaisa account to bank transfer charges. Easypaisa’s current published schedule lists this service as free.
2. Bank-to-wallet transfer
Adding money to an Easypaisa mobile account from another bank account is different. The published schedule states that pulling funds into a mobile account from another bank account can incur a 2% fee, inclusive of tax, while pulling funds from debit or credit cards is listed at 3%, inclusive of tax.
Therefore, users should not assume that money moving in both directions will necessarily have identical charges.
3. Cash withdrawal
Withdrawing money from an Easypaisa account through an ATM or other withdrawal channel is a separate service. For example, the current schedule lists Rs. 35, including tax and 1LINK charges, for an ATM cash withdrawal, while Easypaisa Bank branch ATM withdrawals are stated to be free.
4. Other interbank services
Easypaisa’s published schedules also contain separate pricing for certain interbank and RTGS services. These should not automatically be treated as the price of a standard Easypaisa-wallet-to-bank transfer.
Why Do Transfer Charges Matter?
Even when a particular transfer is free, customers should consider the total cost of moving money, rather than focusing only on the advertised transfer fee.
For example, a customer may have two choices:
Option A: Electronic transfer
Transfer Rs. 10,000 directly from Easypaisa to a bank account. Under the current published Easypaisa schedule, the wallet-to-bank transfer is free.
Option B: Cash withdrawal followed by deposit
Withdraw Rs. 10,000 as cash and then deposit it into a bank account. This can involve a withdrawal fee and may also require additional time and travel.
The second approach can therefore be more expensive and less convenient even though both methods ultimately put money into a bank account.
Factors That Can Affect the Cost
Several factors should be considered when evaluating Easypaisa account to bank transfer charges.
Transaction type
The most important factor is whether you are transferring money from a wallet to a bank, adding funds to a wallet, withdrawing cash, or using another payment service. Different transactions can have different fee structures.
Transfer amount
Some financial services use amount-based or percentage-based pricing. Easypaisa’s published schedule, for example, contains different charges for certain interbank services depending on transaction value.
A customer should therefore check the applicable schedule rather than assuming that the price of one transaction applies to all amounts.
Taxes and third-party fees
A quoted service fee may include taxes, while other services may involve charges from payment networks or other financial institutions. The published Easypaisa schedule identifies some charges as inclusive of tax and 1LINK charges.
Current fee schedule
Digital financial-service charges can change. Older articles and social-media posts may therefore contain figures that no longer apply. The safest approach is to consult the current Easypaisa fee schedule and the charges shown before confirming a transaction.
The Convenience vs. Cost Tradeoff
The major advantage of a wallet-to-bank transfer is convenience. Customers can move money electronically without handling cash, visiting a branch, or arranging a physical deposit.
However, convenience should not replace careful checking. A transfer may be free while another related service has a charge. Customers should consider:
- The actual transaction type
- The amount being transferred
- Any applicable taxes
- Potential network or receiving-bank charges
- Daily or monthly transaction limits
- The final amount displayed before confirmation
For regular users and businesses, even small differences in transaction costs can become significant when multiplied across many transactions.
Easypaisa Transfers for Businesses and Individuals
For individuals, low-cost digital transfers can make it easier to send money to family members, pay suppliers, or move funds between personal accounts.
For businesses, transaction costs can become even more important. A company making dozens or hundreds of payments should consider not only the fee for an individual transfer but also the cumulative monthly cost, processing time, reliability, record keeping, and ease of reconciliation.
This is where digital payment service providers can be useful. 7 Pay also provides services in this area, giving customers and businesses an additional option for managing digital payment and money-transfer needs. Users should compare the applicable service terms, transaction limits, security features, and fees before choosing a provider.
EasyPaisa is Pakistan’s oldest and largest mobile wallet, operated by EasyPaisa Bank Ltd (formerly Telenor Microfinance Bank) under State Bank of Pakistan branchless banking licence. Monthly transaction volumes cross 400 million and every one of those transactions is priced by the Schedule of Bank Charges (SOC) that EasyPaisa publishes quarterly. This guide is the complete Jul-Sep 2026 EasyPaisa fee schedule broken down by transaction type, with worked examples on the amounts Pakistanis actually transfer.
Run any specific fee scenario in our EasyPaisa vs JazzCash Fee Calculator as you read. For head-to-head decisions, see the full EasyPaisa vs JazzCash Fees 2026 comparison.
Important upfront: fees change quarterly. Every number here is from EasyPaisa’s official Jul-Sep 2026 Schedule of Bank Charges (Branchless Banking) PDF verified July 2026. If a fee looks different on your app screen, the app value is the source of truth; the SOC PDF is updated within 24-48 hours of a fee change.
The 2 Percent Charge: Push Is Free, Pulling Costs 2 Percent
In August 2026 a claim spread that EasyPaisa had started charging 2 percent on money moved from a bank account into a wallet. EasyPaisa denied it. Both sides were quoting a real EasyPaisa document, because EasyPaisa publishes two schedules of charges and they disagree on this exact row: the Branchless Banking schedule says funds transfer IN from other bank accounts is free, while the Retail Banking schedule prints 2 percent incl. tax for pulling funds in from a bank account through Account Linking, and 3 percent from a debit or credit card.
The practical rule: push from your bank’s app and pay nothing. Pull from inside the EasyPaisa app and pay 2 percent, or 3 percent from a card. On Rs 10,000 that is Rs 0 against Rs 200 or Rs 300.
EasyPaisa Cash Withdrawal Fees (SBP-Regulated Slab)
Cash withdrawal from an EasyPaisa agent follows the State Bank of Pakistan branchless banking 15-tier slab, identical across EasyPaisa, JazzCash, UPaisa and all licensed BB providers. As of Jul-Sep 2026:
| Amount Tier (PKR) | EasyPaisa Fee (PKR) |
|---|---|
| 1 to 200 | 7 |
| 201 to 500 | 12 |
| 501 to 1,000 | 20 |
| 1,001 to 2,500 | 40 |
| 2,501 to 4,000 | 70 |
| 4,001 to 6,000 | 100 |
| 6,001 to 8,000 | 130 |
| 8,001 to 10,000 | 180 |
| 10,001 to 13,000 | 230 |
| 13,001 to 16,000 | 280 |
| 16,001 to 20,000 | 330 |
| 20,001 to 25,000 | 380 |
| 25,001 to 30,000 | 470 |
| 30,001 to 40,000 | 560 |
| 40,001 to 50,000 | 690 |
Effective rate observations:
- Rs 10,000 withdrawal: Rs 180 fee equals 1.8 percent
- Rs 25,000 withdrawal: Rs 380 fee equals 1.52 percent
- Rs 50,000 withdrawal: Rs 690 fee equals 1.38 percent
Consolidation tip: two Rs 25,000 withdrawals cost Rs 760 combined, while one Rs 50,000 withdrawal costs Rs 690, saving Rs 70. Across a year of cash management, planning fewer larger trips saves Rs 800 to Rs 1,500 depending on withdrawal frequency.
EasyPaisa Digital Account Branch Cash Windows (FREE)
Per the Jul-Sep 2026 SOC, EasyPaisa Digital Account holders can deposit and withdraw cash completely free at any EasyPaisa Bank Ltd branch counter (not the agent locations). This is a benefit not available at agent locations. If you live near an EasyPaisa branch, use branch withdrawal to sidestep the agent-tier fees entirely.
EasyPaisa Send Money Fees
Wallet to Wallet Transfer: FREE
Sending EasyPaisa to another EasyPaisa mobile account is completely free regardless of amount. No monthly cap, no per-transaction fee, no FED. Send Rs 100 or Rs 25,000, pay zero. Recipient sees the credit within seconds. This is the cheapest way to move money to any recipient who has EasyPaisa installed.
EasyPaisa to CNIC (Recipient Collects from Agent)
For senders whose recipient does not have a mobile account, EasyPaisa-to-CNIC lets you transfer against the recipient’s CNIC. The recipient collects cash from any EasyPaisa agent nationwide:
| Amount Tier (PKR) | EasyPaisa to CNIC Fee |
|---|---|
| 1 to 1,000 | 55 |
| 1,001 to 2,500 | 110 |
| 2,501 to 4,000 | 160 |
| 4,001 to 6,000 | 215 |
| 6,001 to 8,000 | 270 |
| 8,001 to 10,000 | 320 |
| 10,001 to 13,000 | 375 |
| 13,001 to 15,000 | 430 |
| 15,001 to 20,000 | 500 |
| 20,001 to 25,000 | 600 |
The top tier Rs 20,001-25,000 is Rs 50 cheaper than JazzCash (Rs 650). Small saving per transaction, but for someone sending Rs 25,000 to a family member monthly, that is Rs 600 per year.
OTC (Over The Counter) Send Money
EasyPaisa publishes a separate OTC tier for walk-in non-customer senders at an agent. Higher than the account-based CNIC rate. Top tier (Rs 20,001-25,000): approximately Rs 800. Use your own EasyPaisa account instead whenever possible to save this premium.
EasyPaisa to JazzCash (Cross-Wallet Transfer)
Sending money from your EasyPaisa Mobile Account to a JazzCash wallet requires an IBFT through the 1-Link interbank rails, since EasyPaisa and JazzCash are separate microfinance banks (EasyPaisa Bank Ltd. vs Mobilink Microfinance Bank). Two working methods:
Method 1: IBFT to the recipient’s JazzCash-linked bank account or Business Account IBAN. Standard IBFT flow from your EasyPaisa app. Cost on EasyPaisa Mobile Account: Rs 0 service fee (free with no cap) plus small 1-Link processing fee (Rs 1.55 for transactions under Rs 25,000). Delivery is instant to seconds. This is the cheapest and fastest cross-wallet method.
Method 2: Send to recipient’s CNIC, they collect from EasyPaisa agent, re-deposit into JazzCash. For a recipient without a linked bank IBAN, use the CNIC send money flow (tier fees Rs 55 to Rs 600 depending on amount). Slower since the recipient must physically collect cash then deposit into their JazzCash account separately.
Practical Method 1 costs for the most common cross-wallet amounts:
| Transfer Amount | Total Cost (EasyPaisa side) |
|---|---|
| Rs 1,000 | Rs 1.55 (1-Link fee) |
| Rs 5,000 | Rs 1.55 |
| Rs 10,000 | Rs 1.55 |
| Rs 25,000 | approximately Rs 5 (0.02 percent 1-Link) |
| Rs 50,000 | approximately Rs 10 (0.02 percent) |
| Rs 100,000 | approximately Rs 20 (0.02 percent) |
EasyPaisa is the cheaper direction for cross-wallet transfers thanks to the uncapped free IBFT service fee. Going the other way (JazzCash to EasyPaisa) costs 0.1 percent or Rs 200 (whichever lower) on JazzCash consumer M-Wallet once the Rs 25,000 monthly free quota is used up, so the same Rs 50,000 transfer would cost approximately Rs 50 on JazzCash side after quota exhaustion versus Rs 10 on EasyPaisa side.
EasyPaisa Mobile Account IBFT to Bank Account: FREE Service Fee, No Cap
This is EasyPaisa Mobile Account’s biggest structural advantage over JazzCash consumer M-Wallet. Per the Jul-Sep 2026 SOC page 1:
“Transfer-out from easypaisa to Bank: Free”
No monthly cap on the EasyPaisa service fee. Transfer Rs 10,000 or Rs 500,000 in a single calendar month, the service fee remains zero.
Small 1-Link Service Fee (SBP-mandated): applied on all IBFT transactions per 1-Link SOC:
- Below Rs 25,000 per transaction: Rs 1.55 per transaction (negligible)
- Between Rs 25,000 and Rs 200,000 per transaction: 0.02 percent per transaction
- Above Rs 200,000 per transaction: Rs 40 per transaction
This is a small network processing fee, not a service charge, and applies at both EasyPaisa and JazzCash per the 1-Link infrastructure notes in both SOCs.
Worked example. Salary day, you receive Rs 100,000 in EasyPaisa Mobile Account and want to move it to your HBL account:
- Single Rs 100,000 transfer: Rs 0 service fee plus 0.02 percent 1-Link fee equals Rs 20 total
Same scenario on JazzCash consumer M-Wallet (post the Q3 2026 SOC):
- First Rs 25,000 free (monthly quota)
- Second Rs 75,000: 0.1 percent equals Rs 75, or Rs 200 cap, Rs 75 applies
- JazzCash total: Rs 75 (plus small 1-Link fee)
EasyPaisa saves roughly Rs 55 on this one salary transfer. For someone transferring Rs 100k+ monthly, that is Rs 600 to Rs 900 per year. For a small business owner transferring Rs 500k across 3 vendor payments, JazzCash consumer M-Wallet would charge Rs 200 x 3 equals Rs 600 in service fees while EasyPaisa Mobile Account service fees remain zero (1-Link fees still apply on both).
Practical implication: for anyone regularly transferring salary, rent or vendor payments to bank accounts, EasyPaisa Mobile Account is structurally cheaper. Compare specific amounts in the Fee Calculator. Note: JazzCash Business Account users get a higher Rs 50,000 monthly IBFT free quota, which closes some of this gap for merchants.
EasyPaisa Quick Reference: Common Amounts, Total Cost
Every searched amount from Rs 1,000 to a lakh, agent against ATM with the cheaper option marked, lives in the dedicated charges on every amount table.
For the exact rupee amounts Pakistani users search most often, here is a fee snapshot combining cash withdrawal, CNIC send money, wallet-to-wallet and IBFT-to-bank at each common transaction size:
| Amount | Cash Withdrawal | Send to CNIC | Wallet to Wallet | IBFT to Bank |
|---|---|---|---|---|
| Rs 500 | Rs 12 | Rs 55 | Free | Free (plus Rs 1.55 1-Link) |
| Rs 1,000 | Rs 20 | Rs 55 | Free | Free (plus Rs 1.55) |
| Rs 2,000 | Rs 40 | Rs 110 | Free | Free (plus Rs 1.55) |
| Rs 5,000 | Rs 100 | Rs 215 | Free | Free (plus Rs 1.55) |
| Rs 10,000 | Rs 180 | Rs 320 | Free | Free (plus Rs 1.55) |
| Rs 15,000 | Rs 280 | Rs 430 | Free | Free (plus Rs 1.55) |
| Rs 20,000 | Rs 330 | Rs 500 | Free | Free (plus Rs 1.55) |
| Rs 25,000 | Rs 380 | Rs 600 | Free | approximately Rs 5 (0.02 percent) |
| Rs 50,000 | Rs 690 | Split needed (CNIC Rs 25k cap) | Free | approximately Rs 10 (0.02 percent) |
| Rs 100,000 | Split needed (withdrawal Rs 50k cap) | Split needed | Free | approximately Rs 20 (0.02 percent) |
Rs 25,000 is the CNIC single-transaction cap, Rs 50,000 is the cash withdrawal per-transaction cap. For amounts above these, split into multiple transactions or use IBFT to bank / wallet-to-wallet transfer instead, which have no such caps.
EasyPaisa Bill Payment Fees
EasyPaisa’s bill payment pricing rewards typical Pakistani household usage:
Typical Pakistani household paying 3 monthly bills (electricity, gas, internet or mobile): Rs 0 per month, Rs 0 per year. JazzCash charges Rs 5 each for these 3 bills, totalling Rs 15 per month or Rs 180 per year. EasyPaisa saves the full Rs 180.
Bills accepted: WAPDA (LESCO, K-Electric, IESCO, MEPCO, GEPCO, HESCO, FESCO, SEPCO, PESCO, QESCO, TESCO), SNGPL and SSGC gas, PTCL, mobile postpaid on all 5 networks (Jazz, Zong, Ufone, Telenor, SCOM), Nayatel, Storm Fiber and most private ISPs, PIA and airline top-ups (as of Jul-Sep 2026).
For your own LESCO bill split by slab and Section 235 filer WHT applied, use our LESCO Bill Calculator.buying mobile load for extended family or friends should batch top-ups to stay under the 5-per-month free quota. JazzCash does not publish a matching free quota for mobile load, so heavy top-up users see EasyPaisa cheaper.
EasyPaisa ATM Withdrawal Fees
Flat Rs 35 on any ATM withdrawal, whatever the amount, per the schedule wording: “Service fee on any ATM withdrawal amount will be Rs. 35 (Incl. Tax & 1-link Charges)”. And free at easypaisa Bank Ltd branch ATMs, a line most people never see.
Because the ATM fee is flat while agent withdrawal is a slab, the crossover is Rs 1,000, not Rs 4,000: at the Rs 1,001 to 2,500 tier an agent charges Rs 40 against the ATM’s Rs 35. Above Rs 1,000 the ATM always wins, and at Rs 50,000 it is Rs 35 against Rs 690, a saving of Rs 655 on one withdrawal.
Card costs are not free, contrary to what is often assumed: issuance is Rs 1,000 for the VISA or PayPak card, Rs 999 for Union Pay and Rs 500 for the Visa Online card, with replacement at Rs 500 per card. Balance inquiry and receipt printing are Rs 4.67 each.
EasyPaisa Digital Account Benefits
EasyPaisa Digital Account is the flagship product and unlocks several fee advantages absent from a basic wallet:
- Free cash deposit and withdrawal at EasyPaisa Bank Ltd branches (not agent locations)
- Free PayPak or MasterCard debit card with instant issuance
- Higher daily and monthly transaction limits than basic wallet
- Full IBAN for salary transfers and receiving international remittances
- Savings account tier with profit rates competitive with commercial banks
- Free chequebook option for larger transactions
Digital Account opening is instant and free through the EasyPaisa app, requires only CNIC and biometric verification. Existing wallet users can upgrade in 5 minutes.
EasyPaisa Inactive Account Policy
The current Jul-Sep 2026 EasyPaisa Branchless Banking SOC PDF does not explicitly list a Mobile Account inactive-account fee schedule. This is different from JazzCash which publishes a specific Rs 100 per month charge after 12 months of no activity (Note 10 of JazzCash Q3 2026 SOC).
Recommended practice: log at least one transaction (a free mobile load or bill payment) per calendar year to keep the account fully active regardless of any latent dormancy rules. If your account has been inactive for over 12 months, contact EasyPaisa Bank Ltd support before checking your balance to verify current policy:
- Helpline: 3737 from Telenor Network
- UAN: 042-111-003-737 from any operator
Retail Banking (non-branchless) EasyPaisa accounts have separate dormancy rules per the Retail Banking SOC PDF, verify those separately if your account is a full Bank Ltd retail account rather than a Mobile Account wallet.
EasyPaisa Free vs Paid: The Cheat Sheet
Free on EasyPaisa Mobile Account (service fee): – Wallet to wallet transfer (any amount) – IBFT to any bank service fee (any amount, no cap; small 1-Link processing fee applies) – First 3 utility bill payments per month – First 5 mobile load top-ups per month – First 5 mobile package purchases per month – Cash deposit and withdrawal at EasyPaisa Bank Ltd branches (Digital Account) – New Mobile Account opening – Balance inquiry
Paid on EasyPaisa Mobile Account: – Agent cash withdrawal (Rs 7 to Rs 690 per tier) – Send money Account to CNIC (Rs 55 to Rs 600 per tier) – Send money Account to OTC (Rs 70 to Rs 800 per tier) – Bill payments 4 to 9 per month (Rs 20 each) – Bill payments 10-plus per month (Rs 30 each) – Mobile load top-ups 6-plus per month (Rs 2 to Rs 10 each) – Mobile Packages 6-plus per month (Rs 1 to Rs 5 each) – M-Tag top-up (flat Rs 10 per top-up) – 1-Link ATM at other banks (Rs 35 per transaction) – 1-Link IBFT processing fee (Rs 1.55 below Rs 25k, 0.02 percent between Rs 25k-Rs 200k, Rs 40 above Rs 200k)
FAQs
What are the charges for bank transfers with Easypaisa?
Easypaisa’s currently published Schedule of Bank Charges lists transfer-out from an Easypaisa account to a bank as free.
How much does Easypaisa charge on 10,000 rupees?
For a direct Easypaisa-to-bank transfer of Rs. 10,000, the current published schedule lists the wallet-to-bank transfer as free. However, cash withdrawal and other transaction types have separate charges.
Can I transfer money from Easypaisa to a bank account?
Yes. Easypaisa supports transfers from its mobile account to bank accounts, and its current schedule lists the transfer-out service as free.
How to transfer money from Easypaisa to another Easypaisa account?
Use the money-transfer function in the Easypaisa app, enter the recipient’s Easypaisa-registered mobile number and the amount, review the details, and confirm the transaction. The published schedule lists transfers in and out of Easypaisa mobile accounts as free.
Conclusion
The answer to “How much are Easypaisa account to bank transfer charges?” is straightforward under Easypaisa’s currently published fee schedule: a transfer out from an Easypaisa mobile account to a bank is listed as free.
However, customers should not confuse this with other services such as cash withdrawal, adding money to an Easypaisa wallet from a bank account, or certain interbank transactions. Those services can have different pricing.
For the most accurate decision, always check the latest fee schedule and the final transaction screen before sending money. For customers and businesses comparing digital payment options, 7 Pay can also be considered alongside other available services, with attention to fees, convenience, security, limits, and overall value rather than the transfer fee alone.