Zindigi powered by JS Bank

Open a Digital Bank Account Online with Zindigi

Zindigi digital account

Open and manage a digital bank account in Pakistan through the Zindigi App. Start with a Basic Account for everyday transactions, upgrade to an Advanced or Ultra Account for higher limits and online payments, or choose a Freelancer Account to receive international earnings

Zindigi Digital Account Types

Choose the Zindigi account that matches how you bank. Compare account-opening requirements, transaction limits, card usage, online payments and international transaction availability.

Upgrade to Basic Account

  • Basic Account

    What you need:

    • Valid Mobile Number
    • Valid CNIC
    • Account Number- Sim Ownership Match: No
    • Biometric Verification: No

    Account Limits:

    • Daily: Rs 25,000
    • Monthly: Rs 50,000
    • Yearly: Rs 200,000
    • Maximum Balance: Rs 200,000
    • Debit Card: Yes
    • E-Commerce Transactions: No
    • POS Transactions: No
    • International Transactions: No

  • Advanced Account

    What you need:

    • Valid Mobile Number
    • Valid CNIC
    • Account Number- Sim Ownership Match: No
    • Biometric Verification: Yes

    Account Limits:

    • Daily: Rs 100,000
    • Monthly: Rs 300,000
    • Yearly: Rs 3,600,000
    • Maximum Balance: Rs 1,000,000
    • Debit Card: Yes
    • E-Commerce Transactions: Yes
    • POS Transactions: Yes
    • International Transactions: No

  • Ultra Account

    What you need:

    • Valid Mobile Number
    • Valid CNIC
    • Account Number- Sim Ownership Match
    • Biometric Verification: Yes(within 60 days)

    Account Limits:

    • Daily: Rs 200,000
    • Monthly: Rs 1,000,000
    • Yearly: Rs 5,000,000
    • Maximum Balance: Rs 1 Million
    • Debit Card: Yes
    • E-Commerce Transactions: Yes
    • POS Transactions: Yes
    • International Transactions: Yes

  • Freelancer Account

    What you need:

    • Valid Mobile Number
    • Valid CNIC
    • Account Number- Sim Ownership Match
    • Biometric Verification: Yes(within 60 days)

    Account Limits*:

    • Daily: Rs 800,000
    • Monthly: Rs 4,000,000
    • Yearly: Rs 10,000,000
    • Maximum Balance: Rs 1 Million
    • Debit Card: Yes
    • E-Commerce Transactions: Yes
    • POS Transactions: Yes
    • International Transactions: Yes

    *Above limits are for PKR account only. USD Account has no limits

Open an Account

Upgrade to Ultra Basic

Upgrade your account through a completely digital journey

Get higher transaction limits

International transactions via your Zindigi Debit Mastercard.

  • Tap on Upgrade Account From Hamburger Menu
  • Select Ultra Basic
  • Benefits
  • Enter Details
  • Upload video
  • Upload CNIC Photo
  • Personal Information
  • Application Submitted

Frequently Asked Questions

We are here to help you!

    It is a full-fledged bank account that you can upgrade to digitally through the Zindigi App. You’ll need to provide your personal information and upload documents to create your Zindigi Ultra account.
    Zindigi account is a bank account tagged against your mobile number, which can be operated through your mobile phone. Through Zindigi account, you can perform various financial transactions such as Cash Deposits, Funds Transfer, Bill Payments, Voucher Payments, School Fee payments, Investments, Government Payments and many more anytime, anywhere!
    • You may visit your nearest JS bank branch after receiving an email intimation.
    • You can also use Zindigi app for biometric verification.
    Freelancers who reside in Pakistan and provide IT or IT related services to clients abroad can open a freelancer account.
    Authorized dealer is a type of financial institution that has received authorization from a relevant regulatory body to act as a dealer involved in the trading of foreign currencies.
    No. Funds received in USD can only be transferred to your own Zindigi PKR account. The PKR funds however, can be used to make all types of transactions including money transfer, bill payments, QR payments, etc.
    Yes, an existing Zindigi Ultra account can be upgraded to Freelancer account by choosing the currency and submitting the application.
    An encashment certificate is issued by bank that has received foreign exchange from abroad on behalf of the beneficiaries. Upon every conversion initiated by a user through the Zindigi app, an encashment certificate is generated for that transaction which is essentially a transaction receipt.
    Yes users can make international transactions through Zindigi Freelancer account.
    Yes users can make international transactions through Zindigi Freelancer account.
    Yes users can make international transactions through Zindigi Freelancer account.
    Yes users can make international transactions through Zindigi Freelancer account.
    If a customer has not performed biometric verification before upgrading to Zindigi Freelancer account, then it is mandatory for them to perform it within 60 days of their account upgrade. Failure to do so will result in a debit block being applied until the biometric verification is done. During the debit block period, while user would be able to receive funds from different sources in their PKR and USD accounts, they would not be able to make any outgoing payments or cash withdrawals etc.