If you need to send money to someone who does not have a mobile wallet or a bank account, there is a special way to do it in Pakistan: you send the money to their CNIC number, and they collect the cash from an agent. It is a useful service, and for many families it is the only way to send money home to a parent, a worker, or a relative who does not use a smartphone app. But it is also the most expensive way to send money inside Pakistan, and most people only find out the fee after they have already pressed confirm.
The good news, at least for smaller amounts, is that you do not need to shop around between the three big wallets. For October to December 2026, JazzCash, Easypaisa and UPaisa charge exactly the same fee for a CNIC transfer up to Rs 15,000. Whether you send Rs 1,000 or Rs 15,000, the price is identical on all three. The wallets only start to differ at the top of the table, and even there the difference is small. This article compares every slab side by side, explains the tax warning that can push the final deduction a few rupees higher, and shows you the free alternative that can save the whole fee.
What a CNIC transfer actually is
A CNIC transfer is different from a normal wallet transfer, and keeping the two apart is the whole point of this article. In a normal transfer, you send money from your wallet to another person’s wallet or bank account. The receiver already has an account, so the money lands directly in it, and, as we will see below, that route is free up to Rs 25,000 a month.
In a CNIC transfer, the receiver has no wallet and no bank account. You send the money against their 13-digit CNIC number instead. The receiver then goes to an agent of the same company, shows their original CNIC, gives the transaction ID you received, and collects the cash over the counter. The wallet company charges you for this extra work, because an agent has to handle cash, check identity documents, and keep a record of the payment. That is why the fee exists at all, and why it is much higher than a normal transfer.
This matters most in real life when you are sending money to an elderly parent in a village, a domestic worker, a driver, or a relative who has a basic phone but no wallet in their own name. For a one-off payment like that, a CNIC transfer makes perfect sense. But if you are sending money to the same person every month, the fee adds up fast, and opening a wallet for them is almost always the smarter move. We will work out that saving in plain numbers later in this article.
The full fee table, slab by slab
The table below covers every slab in the October to December 2026 schedules of charges for all three wallets. Read it from top to bottom: find the amount you want to send, then read across to see what each wallet charges. Remember that these are the listed schedule fees. The tax treatment is different for each wallet, which we explain in the next section, so the amount actually deducted from your wallet can be a few rupees higher in some cases.
| Amount sent to a CNIC | JazzCash | Easypaisa | UPaisa |
|---|---|---|---|
| Up to Rs 1,000 | Rs 55 | Rs 55 | Rs 55 |
| Rs 1,001 to Rs 2,500 | Rs 110 | Rs 110 | Rs 110 |
| Rs 2,501 to Rs 4,000 | Rs 160 | Rs 160 | Rs 160 |
| Rs 4,001 to Rs 6,000 | Rs 215 | Rs 215 | Rs 215 |
| Rs 6,001 to Rs 8,000 | Rs 270 | Rs 270 | Rs 270 |
| Rs 8,001 to Rs 10,000 | Rs 320 | Rs 320 | Rs 320 |
| Rs 10,001 to Rs 13,000 | Rs 375 | Rs 375 | Rs 375 |
| Rs 13,001 to Rs 15,000 | Rs 430 | Rs 430 | Rs 430 |
| Rs 15,001 to Rs 16,000 | Rs 430 | Rs 500 | Rs 500 |
| Rs 16,001 to Rs 20,000 | Rs 500 | Rs 500 | Rs 500 |
| Rs 20,001 to Rs 25,000 | Rs 650 | Rs 600 | Rs 650 |
The first thing that jumps out is how identical the table is. For the first eight slabs, from Rs 1,000 all the way to Rs 15,000, there is not a single rupee of difference between JazzCash, Easypaisa and UPaisa. Sending Rs 1,000 costs Rs 55 on all three. Sending Rs 5,000 costs Rs 215 on all three, because Rs 5,000 falls in the Rs 4,001 to Rs 6,000 slab. Sending Rs 10,000 costs Rs 320 on all three. If your amount is Rs 15,000 or less, then, the cheapest wallet is simply the one you already use. There is no reason to open a second wallet just to save on a CNIC transfer in this range, because there is nothing to save.
The differences only appear in the last three rows. JazzCash stretches its Rs 430 slab a little further than the other two: on JazzCash, Rs 15,001 to Rs 16,000 still costs Rs 430, while on Easypaisa and UPaisa the same amount jumps to Rs 500. That makes JazzCash Rs 70 cheaper in that one narrow band. Then all three meet again at Rs 500 for Rs 16,001 to Rs 20,000. Finally, on the top slab, Rs 20,001 to Rs 25,000, Easypaisa is the cheapest at Rs 600, while JazzCash and UPaisa both charge Rs 650. So Easypaisa saves you Rs 50 on the largest CNIC transfer, and JazzCash saves you Rs 70 in the Rs 15,001 to Rs 16,000 band. Everywhere else, it is a tie.
It is also worth noting where the table stops. Every one of the three schedules ends at Rs 25,000. That is the most you can send to a CNIC in one transfer, on any of the three wallets, under these schedules. If you need to send more than Rs 25,000 to someone without an account, you cannot do it in a single CNIC transfer. You would need to split it, use a different method, or help the receiver open an account. Your own wallet’s daily and monthly limits also apply on top of this per-transfer cap, so a large amount may still be blocked even if it is under Rs 25,000, depending on your account level.
The tax warning: the table is not always the final deduction
Here is the caveat you must not skip. The figures in the table above are the fees printed in the schedules, but they are not necessarily tax-final, and the three wallets treat tax differently. That difference can move the final amount deducted from your wallet by a few rupees, so do not be surprised if the receipt shows slightly more than the table figure.
JazzCash prints its CNIC table without saying that tax is included, and its schedule states that its fees are listed excluding tax unless a fee is specifically marked otherwise. In practice, that means the final deduction on JazzCash can be a little higher than the table amount once tax is added. Easypaisa is clearer in the other direction: it says government taxes are recovered on top of its listed fees, so again the final deduction can be a few rupees above the printed figure. UPaisa is the exception here, because it says its fees include FED, the Federal Excise Duty. On UPaisa, the printed figure is closer to what you will actually pay, at least as far as FED is concerned.
None of this changes the ranking in the table by much, because the tax difference is only a few rupees, not tens of rupees. But it does mean you should treat the table as the schedule fee, not as a guaranteed final deduction, and always check the confirmation screen in your app before you confirm. The app shows the exact amount that will be deducted, including any tax, and that screen is the final word for your transfer. If the figure on the screen does not match what you expected, stop and check the slab again before you proceed.
There is one more honesty note about the sources themselves. Easypaisa’s FAQ page still shows an older CNIC table, running from Rs 35 to Rs 500, which does not match its current October to December 2026 schedule. This article uses the current schedule, not the older FAQ table, because the schedule is the newer and more authoritative document for this quarter. But the fact that an older table is still visible online is exactly why you should confirm the fee inside your own app before sending. If the app shows a different figure from this article, trust the app: schedules change, and the app reflects the rate in force at the moment you send.
CNIC transfer vs normal transfer: the free alternative
This is the part that can save you real money. The same amount of money sent to the receiver’s own wallet or bank account, instead of to their CNIC, costs nothing within the free monthly allowance. That is a huge difference, and it is the single most important comparison in this article.
| Route | When it applies | What it costs |
|---|---|---|
| CNIC transfer | Receiver has no wallet and no bank account; collects cash from an agent with their CNIC | Rs 55 to Rs 650 depending on the slab, plus possible tax on JazzCash and Easypaisa |
| Normal wallet or bank transfer | Receiver has any wallet or bank account | Free up to Rs 25,000 a month; after that, normal wallet and bank transfer charges apply |
| Cash handed to an agent to send into a wallet | Sender has no wallet but receiver does; sender pays cash at an agent counter | Much cheaper than a CNIC transfer at the top amounts, but only works if the receiver has a wallet |
Let us make the saving concrete. Suppose you send Rs 25,000 to your mother every month by CNIC transfer. On Easypaisa that costs Rs 600 a month, and on JazzCash or UPaisa it costs Rs 650 a month. Over twelve months, that is Rs 7,200 on Easypaisa or Rs 7,800 on the other two, just in fees, for money that could have moved for free. If instead you help your mother open a wallet, which is free on all three companies and needs only her CNIC and a SIM in her own name, the same Rs 25,000 a month costs nothing within the free allowance. She can still withdraw cash from an agent whenever she needs it, exactly as she does now, but you stop paying hundreds of rupees a month for the privilege.
That does not mean a CNIC transfer is never the right choice. For a one-off payment to someone with no phone in their own name, or an elderly relative who will simply not use an app, the fee is the price of getting cash into their hands safely. A Rs 55 fee on a Rs 1,000 payment is still worth it if it is the only way to reach them. The mistake is only to keep paying it month after month when a free alternative is one free wallet opening away. If the receiver is willing to learn even the basics, opening a wallet for them is the best money-saving step in this whole article.
There is also a middle option worth knowing about. If you are the one without a wallet, but the receiver does have one, you can hand cash to an agent and have it sent into the receiver’s wallet. JazzCash charges Rs 25 to Rs 350 for this kind of cash-in transfer, tax included, and UPaisa charges Rs 25 to Rs 260. That is much cheaper than a full CNIC-to-CNIC transfer at the top amounts, and it is useful when only one side of the payment has an account. Again, the key is that at least one person has a wallet. The expensive route is the one where nobody has an account at all.
How to send money to a CNIC from each app
The steps are similar on all three wallets, with small differences in menu names. In JazzCash, open the app, tap Money Transfer, choose CNIC Transfer, enter the receiver’s CNIC and the amount, review the fee on the confirmation screen, and confirm with your MPIN. In Easypaisa, tap CNIC Transfer, enter the receiver’s CNIC, the receiver’s mobile number, and the amount, then confirm. In UPaisa, use Money Transfer in the app, or dial the USSD code if you are on a basic phone.
Whatever wallet you use, follow these steps carefully, because a wrong CNIC number can send money to the wrong person, and correcting it afterwards is difficult:
- Open your wallet app and go to the CNIC transfer option, not the normal wallet transfer option. Picking the wrong option is the most common mistake, and it changes both the fee and where the money goes.
- Enter the receiver’s 13-digit CNIC number very carefully, digit by digit, and read it back before you continue. Do not type it from memory if you can copy it from their CNIC card or a message they sent you.
- Enter the receiver’s mobile number if the app asks for it. This is the number they will get the collection message on, so it should be a number they can actually access.
- Enter the amount, and check which slab it falls in before you confirm. Staying just inside a slab can save you money: for example, Rs 10,000 costs Rs 320, but Rs 10,001 jumps to the next slab at Rs 375.
- Review the confirmation screen, including the fee and any tax, and only then confirm with your MPIN or PIN.
- Send the receiver the transaction ID from your receipt right away, by call or message, so they can collect the money without delay.
One more practical tip: splitting a payment usually costs more, not less. Sending Rs 20,000 once costs Rs 500 on all three wallets. Sending the same Rs 20,000 as two transfers of Rs 10,000 costs Rs 320 twice, which is Rs 640 in total. That is Rs 140 extra for no benefit. Always check the slab before you decide to split a payment. The only time splitting helps is when a single transfer would push you over the Rs 25,000 per-transfer cap, in which case you have no choice.
Collecting the money, and what the receiver should know
The receiver collects the money from an agent of the same company, not from just any shop. A JazzCash CNIC transfer must be collected from a JazzCash agent, an Easypaisa transfer from an Easypaisa agent, and a UPaisa transfer from a UPaisa agent. The receiver should carry their original CNIC and the transaction ID from the sender’s receipt. The agent will verify the CNIC, and the receiver should expect that check: it is there to make sure the money goes to the right person.
The good news is that collecting is free for the receiver. JazzCash’s schedule lists cash out from a CNIC at zero, and UPaisa says money received over the counter is free. No fee is listed for collecting on any of the three wallets. An agent should never charge the receiver extra on top of the transfer. If an agent tries to do that, the receiver should refuse and report it to the wallet’s helpline: 4444 for JazzCash from a Jazz number, 3737 for Easypaisa from a Telenor number, and 7777 for UPaisa from a Ufone number. Keep the receipt and the transaction ID safe until the money has been collected, in case you need to raise a complaint.
What if something goes wrong before collection? None of the three schedules or FAQs that were checked for this article explains a clear cancellation route for a CNIC transfer that has not yet been collected. If you sent money to the wrong CNIC number, or the receiver cannot collect it, call the wallet’s helpline at once with the transaction ID and ask what can be done. Do not wait, because once the money has been collected by someone else, recovery becomes far harder. This is another reason to double-check the CNIC number before you confirm, rather than trying to fix a mistake afterwards.
Which wallet should you pick?
For most people, the honest answer is: the wallet you already have. Up to Rs 15,000, the fee is identical, so switching wallets saves you nothing. Your choice should depend on which app you already use, which agent network is nearest to the receiver, and which app you find easiest to operate. The receiver’s convenience matters more than a fee difference that does not exist.
The only two cases where switching actually pays are the ones at the top of the table. If you regularly send between Rs 15,001 and Rs 16,000 to a CNIC, JazzCash is Rs 70 cheaper per transfer in that band. If you regularly send between Rs 20,001 and Rs 25,000, Easypaisa is Rs 50 cheaper per transfer. Over a year of monthly transfers, the Easypaisa saving on the top slab is Rs 600, and the JazzCash saving in the narrow band is Rs 840. Those are real savings, but they are still small compared with the Rs 7,200 or more you save by moving the receiver onto a wallet and using the free normal-transfer route instead. Do the big saving first, and only then worry about the small one.
Finally, remember that these figures are for the October to December 2026 quarter. Wallets update their schedules every quarter, and fees can change without much notice. Before you send a large amount, open your app, go to the CNIC transfer screen, and check the fee shown there. That screen is the most up-to-date source for your transfer, and it takes only a few seconds. This article will also need updating when the next quarter’s schedules are published, so treat the figures here as the Q4 2026 position, not as a permanent price list.
We compared the October to December 2026 schedules of charges for JazzCash, Easypaisa and UPaisa, as compiled and checked on 31 October 2026 by Pakera, and re-verified the slab figures on 4 November 2026. Before you send money, confirm the fee shown inside your own wallet app, because tax treatment differs between wallets and schedules change every quarter.
FAQs
Which wallet is cheapest for sending money to a CNIC?
Up to Rs 15,000, all three wallets charge exactly the same, so none is cheapest. Above that, JazzCash is cheapest for Rs 15,001 to Rs 16,000 at Rs 430, compared with Rs 500 on Easypaisa and UPaisa, while Easypaisa is cheapest for Rs 20,001 to Rs 25,000 at Rs 600, compared with Rs 650 on JazzCash and UPaisa. Remember that tax can add a few rupees on JazzCash and Easypaisa, so always check the confirmation screen in your app.
What is the maximum amount I can send to a CNIC?
Rs 25,000 in a single transfer, on JazzCash, Easypaisa and UPaisa alike, under the October to December 2026 schedules. Every schedule stops at Rs 25,000. Your own wallet’s daily and monthly limits also apply, so check those too if you are sending a large amount.
Does the receiver pay anything to collect CNIC money?
No fee is listed for collecting. JazzCash lists cash out from a CNIC at zero, and UPaisa says money received over the counter is free. The sender pays the transfer fee, and the receiver should not be charged extra by the agent. If an agent asks for extra money, report it to the wallet’s helpline.
How can I avoid the CNIC transfer fee completely?
If the receiver opens any wallet or bank account, you can send them money by a normal transfer instead, which is free up to Rs 25,000 a month. Opening a wallet is free on JazzCash, Easypaisa and UPaisa, and needs only the receiver’s CNIC and a SIM in their own name. After that, the receiver can still withdraw cash from an agent, but you no longer pay the CNIC transfer fee.