Receiving International Remittances,
Made Simple with Zindigi!
International Remittances
Whether it’s family support from abroad or your hard-earned freelance income, we make sure your money reaches you quickly, securely, and without hassle. Hold your earnings in foreign currency, convert them at the best rates, or get paid instantly through easy payment links — Zindigi keeps global payments effortless and stress-free.
- Commercial Payments (Freelance or Business Earnings): Can only be received in the Ultra Freelancer Account
- Family Support Remittances: Can be received in Home Remittance Account (HRA), Zindigi Ultra Account, or Ultra Freelancer Account.
Family Support Remittances (HRA / Ultra / Ultra Freelancer)
Got Question?
We are here to help you!
What is a Home Remittance Account (HRA)?
A Home Remittance Account (HRA) is a specialized Zindigi account that enables you to receive secure, legal, and fast international remittances sent by your loved ones abroad, directly into your account.
What type of payments can I receive in my HRA?
You can only receive international remittances under the purpose of family support in your HRA. Other types of payments (such as freelance earnings or business payments) are not allowed in this account.
If you want to receive freelance or business payments, you’ll need to open a Zindigi Ultra Freelancer Account instead.
Do I always need an HRA to receive home remittance?
Not always
- If you already have a Zindigi Ultra Account or Ultra Freelancer Account, you can directly receive home remittances.
- If you have a regular Zindigi account (L1), then you will need to open an HRA to receive remittances.
Why do I need an HRA account?
- If you don’t have an Ultra or Ultra Freelancer account, an HRA is required to receive money from your loved ones abroad. Without it, your funds cannot be credited and will be sent back to the sender.
Who can open an HRA account?
- Any Zindigi customer with a Level 1 (L1) can open an HRA. If you have a Level 0 (L0) account, you’ll first need to upgrade to L1.
How do I open an HRA account?
It’s quick and simple via the Zindigi app:
- Log in and go to More → International Remittance.
- Enter your CNIC.
- Provide your income details (source, occupation, purpose of payment).
- Add Next of Kin information (name, CNIC, mobile number, relationship).
- Provide Originator details (location of remittance, relation with sender).
- Set your MPIN to confirm.
Your HRA will be created instantly, and your remittance will be credited as soon as it arrives.
What are the limits for HRA accounts?
| Transaction Type | Limit Type | Minimum (PKR) | Maximum (PKR) |
| Debit (Daily) | Daily | 1 | 500,000 |
| Credit (Daily) | Daily | 1 | 1,500,000 |
| Debit (Monthly) | Monthly | 1 | 500,000 |
| Credit (Monthly) | Monthly | 1 | 1,500,000 |
| Debit (Yearly) | Yearly | 1 | 6,000,000 |
| Credit (Yearly) | Yearly | 1 | 6,000,000 |
| Maximum Balance | Balance Cap | 1 | 1,500,000 |
How will I receive my remittance after opening an HRA?
Your remittance will be directly credited into your HRA. From there, you can instantly transfer funds to your regular Zindigi account through the app.
How do I transfer money from my HRA to my Zindigi account?
- Open the Zindigi app → International Remittance.
- Tap Remittance Account to Zindigi Transfer.
- Enter the amount you want to transfer.
- Verify details and tap Proceed.
- Authorize with your MPIN.
The money will be instantly transferred to your Zindigi account.
What happens if I receive a remittance but don’t have an HRA account?
Your remittance will be held temporarily.
- Our call center will contact you (up to 3 attempts per day) to help open an HRA.
- If you don’t open an HRA within 5 working days, the funds will be reversed to the sender.
What if I miss the calls from Zindigi about opening my HRA?
If you are unreachable for 2 working days, your remittance will be returned to the sender. Please keep your registered number active to avoid delays.
Is there any fee for opening or using an HRA?
No, it’s completely free of cost.
Can I use my HRA account for other transactions?
No, the HRA is only for receiving and transferring international remittances. Once funds are in your Zindigi account, you can use them freely.