List of Best Mobile Wallets in Pakistan

Best Mobile Wallets in Pakistan are digital applications that allow you to store, send, and receive money using your smartphone. They are convenient, secure, and fast alternatives to cash, cards, or bank accounts. Mobile wallets can also offer other features, such as online shopping, bill payments, mobile top-ups, tickets, and more.

In Pakistan, there are many mobile wallets available, each with its own advantages and disadvantages. In this article, we will compare some of the best mobile wallets in Pakistan and show you how to use them. We will also introduce some online games that pay real money without investment, so you can have fun and earn some extra cash.

In this article, we’ll delve deeper into the Best Mobile Wallets in Pakistan, offering you valuable insights and information to help you smoothly navigate this digital transition.

What Are Mobile Wallets?

Mobile wallets are applications that you can download on your smartphone and link to your bank account, debit card, credit card, or cash. You can use mobile wallets to make payments by scanning QR codes, entering phone numbers, or selecting merchants from a list. You can also receive payments from other users or businesses by sharing your QR code or phone number.

Mobile wallets are different from digital wallets, which are online accounts that store your payment information and allow you to make transactions on websites or apps. Mobile wallets are more convenient and accessible, as you can use them anywhere and anytime with your phone. Mobile wallets are also more secure, as they use encryption, biometric verification, and PIN codes to protect your money and data.

Related: List of online ride-sharing Apps in Pakistan

Benefits of Using Mobile Wallets

Before diving into the list, let’s glance at why mobile wallets are gaining popularity. They offer:

• Convenience: With just a few taps, transactions are made.
• Security: Encryption and tokenization ensure secure transactions.
• Accessibility: Send or receive money 24/7, from anywhere.
• Control: Real-time tracking of transactions and spending.

List of 10 Best Mobile Wallets in Pakistan

• JazzCash
• EasyPaisa
• UBL Omni
• HBL Konnect
• Keenu Wallet
• Zong PayMax
• Askari Bank Mobile Wallet
• Upaisa
• FonePay
• Alfa Wallet
• Sim Sim
• Easypaisa International
• JazzCash International
• Payoneer
• PayPal
• Skrill
• Google Pay
• Apple Pay

1. JazzCash

Jazz Cash is one of the most popular and widely used mobile wallets in Pakistan. It is powered by Jazz, the largest telecom operator in the country, and Mobilink Microfinance Bank. Jazz Cash offers a range of services, such as money transfer, bill payment, mobile top-up, online shopping, QR payments, and more. Jazz Cash also has a large network of agents and ATMs where you can deposit or withdraw cash. You can also get a Jazz Cash debit card that you can use at any ATM or POS terminal. Jazz Cash has over 9 million active users and over 100,000 merchants.

2. EasyPaisa

Easy Paisa is another leading mobile wallet in Pakistan. It is powered by Telenor Microfinance Bank and was launched in 2009. Easy Paisa offers similar services as Jazz Cash, such as money transfer, bill payment, mobile top-up, online shopping, QR payments, and more. Easy Paisa also has a large network of agents and ATMs where you can deposit or withdraw cash. You can also get an Easy Paisa debit card that you can use at any ATM or POS terminal. Easy Paisa has over 25 million registered users and over 8 million active users. 

3. UBL Omni

UBL Omni is a mobile wallet that is powered by United Bank Limited, one of the largest banks in Pakistan. UBL Omni offers money transfer, bill payment, mobile top-up, online shopping, QR payments, and more. UBL Omni also has a network of agents and ATMs where you can deposit or withdraw cash. You can also get a UBL Omni debit card that you can use at any ATM or POS terminal. UBL Omni has over 10 million registered users and over 1 million active users.

4. HBL Konnect

HBL Konnect is a mobile wallet that is powered by Habib Bank Limited, another one of the largest banks in Pakistan. HBL Konnect offers money transfer, bill payment, mobile top-up, online shopping, QR payments, and more. HBL Konnect also has a network of agents and ATMs where you can deposit or withdraw cash. You can also get a HBL Konnect debit card that you can use at any ATM or POS terminal. HBL Konnect has over 5 million registered users and over 500,000 active users.

5. Keenu Wallet

Keenu is a mobile wallet that focuses on online shopping and QR payments. Keenu offers money transfer, bill payment, mobile top-up, online shopping, QR payments, and more. Keenu also has a network of agents and ATMs where you can deposit or withdraw cash. You can also get a Keenu debit card that you can use at any ATM or POS terminal. Keenu has over 500,000 registered users and over 100,000 active users.

6. Zong PayMax

Zong PayMax is a mobile wallet introduced by Zong, a leading telecommunications company in Pakistan. To create a Zong PayMax account, download the Zong PayMax app, sign up using your mobile number, and verify your identity. You can load funds into your Zong PayMax wallet through Zong service centers or authorized agents. Zong PayMax enables users to make payments, send money, and avail exciting offers.

PayMax is a joint venture between Askari Bank and Zong, the second-largest telecom operator in Pakistan. PayMax offers money transfer, bill payment, mobile top-up, retail payments, and more. PayMax also has a network of agents and ATMs where you can deposit or withdraw cash. You can also get a PayMax debit card that you can use at any ATM or POS terminal. PayMax has over 1 million registered users and over 300,000 active users. 

7. Askari Bank Mobile Wallet

Askari Bank Mobile Wallet is a convenient digital payment solution offered by Askari Bank Limited. To get started, download the Askari Bank Mobile Wallet app, sign up using your mobile number, and complete the registration process. You can load funds into your wallet through bank transfers or Askari Bank branches. Askari Bank Mobile Wallet allows you to make payments, transfer funds, and view transaction history effortlessly.

8. Upaisa

Ufone and U Bank’s Upaisa mobile wallet lets you do several financial transactions. Sign up with your cellphone number, download the Upaisa app, and authenticate your identity to establish an account. You can load funds into your Upaisa wallet through Ufone service centers, U Bank branches, or Ufone scratch cards. With Upaisa, you can pay bills, send money, and make purchases conveniently.

9. FonePay

FonePay, powered by MasterCard, is known for its widespread merchant network. Users can pay through QR code at numerous businesses. The Digital Discount Card feature is its main highlight, providing exciting deals and discounts.

10. Alfa Wallet

Alfa Wallet, by Bank Alfalfa, is a comprehensive digital banking solution. It covers everything from basic transactions to ticket booking and food delivery. The Alfa Virtual Debit Card is a key feature, offering secure online shopping.

11. Sim Sim

Sim Sim is a relatively new mobile wallet in Pakistan. It is powered by FINCA Microfinance Bank and was launched in 2017. Sim Sim offers free and instant money transfer, bill payment, mobile top-up, online shopping, QR payments, and more. Sim Sim also has a network of agents and ATMs where you can deposit or withdraw cash. You can also get a Sim Sim debit card that you can use at any ATM or POS terminal. Sim Sim has over 2 million registered users and over 500,000 active users.

12. Easypaisa International

Easypaisa International is a mobile wallet that is powered by Telenor Microfinance Bank and is designed for overseas Pakistanis. Easypaisa International offers money transfer, bill payment, mobile top-up, online shopping, QR payments, and more. Easypaisa International also has a network of agents and ATMs where you can deposit or withdraw cash. You can also get an Easypaisa International debit card that you can use at any ATM or POS terminal. Easypaisa International has over 1 million registered users and over 100,000 active users. 

13. JazzCash International

JazzCash International is a mobile wallet that is powered by Jazz and is designed for overseas Pakistanis. JazzCash International offers money transfer, bill payment, mobile top-up, online shopping, QR payments, and more. JazzCash International also has a network of agents and ATMs where you can deposit or withdraw cash. You can also get a JazzCash International debit card that you can use at any ATM or POS terminal. JazzCash International has over 500,000 registered users and over 50,000 active users.

14.Payoneer

Payoneer is a global payment platform that allows you to send and receive money from anywhere in the world. Payoneer offers money transfer, bill payment, online shopping, and more. Payoneer also has a network of agents and ATMs where you can deposit or withdraw cash. You can also get a Payoneer debit card that you can use at any ATM or POS terminal. Payoneer has over 4 million registered users and over 1 million active users.

15.PayPal

PayPal is the most popular and widely used online payment service in the world. PayPal offers money transfer, bill payment, online shopping, and more. PayPal also has a network of agents and ATMs where you can deposit or withdraw cash. You can also get a PayPal debit card that you can use at any ATM or POS terminal. PayPal has over 300 million registered users and over 100 million active users.

16. Skrill

Skrill is another global payment platform that allows you to send and receive money from anywhere in the world. Skrill offers money transfer, bill payment, online shopping, and more. Skrill also has a network of agents and ATMs where you can deposit or withdraw cash. You can also get a Skrill debit card that you can use at any ATM or POS terminal. Skrill has over 40 million registered users and over 10 million active users.

17. Google Pay

Google Pay is a mobile wallet that is powered by Google and allows you to make payments using your Android phone. Google Pay offers money transfer, bill payment, online shopping, and more. Google Pay also has a network of agents and ATMs where you can deposit or withdraw cash. You can also get a Google Pay debit card that you can use at any ATM or POS terminal. Google Pay has over 100 million registered users and over 50 million active users.

18. Apple Pay

Apple Pay is a mobile wallet that is powered by Apple and allows you to make payments using your iPhone, iPad, Apple Watch, or Mac. Apple Pay offers money transfer, bill payment, online shopping, and more. Apple Pay also has a network of agents and ATMs where you can deposit or withdraw cash. You can also get an Apple Pay debit card that you can use at any ATM or POS terminal. Apple Pay has over 500 million registered users and over 100 million active users.

What is a Digital Wallet?

A digital wallet is an online account that stores your payment information, such as your bank account, debit card, credit card, or cash. You can use a digital wallet to make transactions on websites or apps that accept digital payments. You can also use a digital wallet to store your loyalty cards, coupons, tickets, and more. A digital wallet is different from a mobile wallet, which is an app that you can use to make payments using your smartphone.

Comparison between Mobile Wallets and Conventional Banking Systems

Mobile wallets are different from conventional banking systems in many ways. Here are some of the main differences between them:

• Convenience: Mobile wallets are more convenient than conventional banking systems, as you can access them anytime and anywhere with your smartphone. You don’t need to visit a bank branch, fill out forms, or wait in queues. You can also make payments faster and easier by scanning QR codes, entering phone numbers, or selecting merchants from a list.
• Security: Mobile wallets are more secure than conventional banking systems, as they use encryption, biometric verification, and PIN codes to protect your money and data. You don’t need to carry cash, cards, or cheques, which can be lost, stolen, or forged. You can also lock your mobile wallet app or deactivate your mobile wallet account if you lose your phone or suspect any fraud.
• Cost: Mobile wallets are cheaper than conventional banking systems, as they charge lower or no fees for most of their services. You don’t need to pay any monthly or annual charges, maintenance fees, or minimum balance requirements. You can also save money on transaction fees, currency conversion fees, or ATM withdrawal fees.
• Features: Mobile wallets offer more features than conventional banking systems, as they provide a range of services, such as online shopping, bill payments, mobile top-ups, tickets, and more. You can also enjoy discounts, cashbacks, rewards, and loyalty programs from various merchants and partners. You can also track your spending habits, set budgets, and get financial tips from your mobile wallet app.

How is the Small World Money Transfer App different from a mobile wallet?

The Small World Money Transfer App is a global remittance service that allows you to send money to over 190 countries and territories. The Small World Money Transfer App is different from a mobile wallet in the following ways:

• Purpose: The Small World Money Transfer App is mainly used for sending money to your family, friends, or business partners abroad. A mobile wallet is mainly used for making payments within your country or region.
• Method: The Small World Money Transfer App allows you to send money from your bank account, debit card, credit card, or cash. A mobile wallet allows you to send money from your mobile wallet account, bank account, debit card, credit card, or cash.
• Delivery: The Small World Money Transfer App allows you to deliver money to your recipient’s bank account, mobile wallet, cash pickup location, home delivery, or airtime top-up. A mobile wallet allows you to deliver money to your recipient’s mobile wallet account, bank account, or cash pickup location.
• Speed: The Small World Money Transfer App allows you to send money in minutes, hours, or days, depending on the destination, delivery method, and availability of funds. A mobile wallet allows you to send money in seconds or minutes, depending on the network, service provider, and availability of funds.
• Fee: The Small World Money Transfer App charges a variable fee for each transaction, depending on the amount, destination, delivery method, and exchange rate. A mobile wallet charges a fixed or no fee for each transaction, depending on the service provider, amount, and type of transaction. [16]

The number of registered mobile wallets in Pakistan

According to the State Bank of Pakistan, the number of registered mobile wallets in Pakistan reached 46.8 million as of June 2020, an increase of 25% from the previous year. The number of active mobile wallets in Pakistan reached 24.3 million as of June 2020, an increase of 36% from the previous year. The number of mobile wallet transactions in Pakistan reached 369.5 million as of June 2020, an increase of 161% from the previous year. The value of mobile wallet transactions in Pakistan reached 1.9 trillion PKR as of June 2020, an increase of 144% from the previous year.

• Digitalization: The government of Pakistan has launched several initiatives to promote digitalization and financial inclusion, such as the National Financial Inclusion Strategy, the Digital Pakistan Vision, and the Ehsaas Program. These initiatives aim to provide access to digital services, such as e-government, e-commerce, e-education, e-health, and e-agriculture, to the masses, especially the underserved and marginalized segments of the society.
• Innovation: The mobile wallet service providers in Pakistan have introduced various innovations and improvements to their products and services, such as biometric verification, interoperability, QR payments, online shopping, and more. These innovations have enhanced the convenience, security, and functionality of mobile wallets, and have attracted more customers and merchants. [19]
• Awareness: The mobile wallet service providers in Pakistan have also invested in creating awareness and education among the potential and existing customers and merchants, through various channels, such as media, social media, agents, and word-of-mouth. These efforts have increased the trust and confidence of the people in using mobile wallets, and have reduced the barriers and challenges, such as lack of knowledge, skills, or access.

E-Wallets Facilitating Overseas Investments

E-wallets are not only useful for making payments within your country or region, but also for facilitating overseas investments. E-wallets can help you to invest in foreign markets, such as stocks, bonds, commodities, currencies, or cryptocurrencies, without the hassle of opening a foreign bank account, dealing with exchange rates, or paying high fees. E-wallets can also help you to diversify your portfolio, hedge your risks, and access global opportunities.

• Payoneer: Payoneer allows you to receive payments from global marketplaces, platforms, and clients, in multiple currencies, such as USD, EUR, GBP, JPY, and more. You can also withdraw your funds to your local bank account, or use them to make payments to other Payoneer users, suppliers, or vendors. You can also use Payoneer to invest in foreign stocks, bonds, or ETFs, through its partner, eToro, a leading online trading platform. You can also get a Payoneer debit card that you can use at any ATM or POS terminal.
• Skrill: Skrill allows you to send and receive money from over 200 countries and territories, in over 40 currencies, such as USD, EUR, GBP, AUD, and more. You can also withdraw your funds to your local bank account, or use them to make payments to other Skrill users, merchants, or platforms. You can also use Skrill to invest in foreign stocks, bonds, or ETFs, through its partner, eToro, a leading online trading platform. You can also use Skrill to buy and sell cryptocurrencies, such as Bitcoin, Ethereum, Lite coin, and more. You can also get a Skrill debit card that you can use at any ATM or POS terminal.
• PayPal: PayPal allows you to send and receive money from over 200 countries and territories, in over 25 currencies, such as USD, EUR, GBP, CAD, and more. You can also withdraw your funds to your local bank account, or use them to make payments to other PayPal users, merchants, or platforms. You can also use PayPal to invest in foreign stocks, bonds, or ETFs, through its partner, Acorns, a leading micro-investing app. You can also use PayPal to buy and sell cryptocurrencies, such as Bitcoin, Ethereum, Lite coin, and more. You can also get a PayPal debit card that you can use at any ATM or POS terminal.

Famous Worldwide Digital Wallets

There are many digital wallets available worldwide, but some of the most famous ones are:

• Amazon Pay: Amazon Pay is a digital wallet that allows you to make payments on Amazon and other websites or apps that accept Amazon Pay. You can use your Amazon account to access your payment information, such as your bank account, debit card, credit card, or gift card. You can also use Amazon Pay to make donations, subscriptions, or recurring payments. Amazon Pay has over 300 million registered users and over 50 million active users. [24]
• AliPay: AliPay is a digital wallet that allows you to make payments on Alibaba and other websites or apps that accept AliPay. You can use your AliPay account to access your payment information, such as your bank account, debit card, credit card, or cash. You can also use AliPay to make money transfers, bill payments, mobile top-ups, online shopping, and more. AliPay has over 1 billion registered users and over 700 million active users. [25]
• Stripe: Stripe is a digital wallet that allows you to make payments on websites or apps that use Stripe as their payment processor. You can use your Stripe account to access your payment information, such as your bank account, debit card, credit card, or cryptocurrency. You can also use Stripe to create and manage your own online business, such as selling products, services, or subscriptions. Stripe has over 100 million registered users and over 20 million active users. [26]
• Venmo: Venmo is a digital wallet that allows you to make payments to your friends, family, or businesses that accept Venmo. You can use your Venmo account to access your payment information, such as your bank account, debit card, credit card, or cash. You can also use Venmo to split bills, request money, or send money with a personal message. Venmo has over 40 million registered users and over 10 million active users. [27]
• Paytm: Paytm is a digital wallet that allows you to make payments on Paytm and other websites or apps that accept Paytm. You can use your Paytm account to access your payment information, such as your bank account, debit card, credit card, or cash. You can also use Paytm to make money transfers, bill payments, mobile top-ups, online shopping, and more. Paytm has over 300 million registered users and over 100 million active users. [28]

These are some of the famous worldwide digital wallets that you can use to make your online transactions easier and safer. However, before you choose any of them, you should compare their features, fees, security, and customer service. You should also read their terms and conditions and privacy policies carefully. You should also keep your digital wallet app updated and protected with a strong password and biometric verification.

Which Game App is Best for Earning Money Without Investment?

If you are looking for some fun and easy ways to earn some extra money without investment, you can try some game apps that pay real money. These game apps allow you to play various games, such as trivia, puzzles, arcade, casino, or sports, and win cash prizes, gift cards, or rewards. However, you should be careful and avoid any scams or illegal activities that may harm you or your device.

Some of the game apps that are best for earning money without investment are:

• Swagbucks: Swagbucks is a game app that allows you to earn points, called SB, by playing games, watching videos, taking surveys, shopping online, and more. You can redeem your SB for cash via PayPal, or gift cards from Amazon, Walmart, Starbucks, and more. Swagbucks has over 20 million registered users and over 5 million active users. [29]
• Mistplay: Mistplay is a game app that allows you to earn points, called units, by playing games, watching ads, completing missions, and more. You can redeem your units for cash via PayPal, or gift cards from Amazon, Google Play, iTunes, and more. Mistplay has over 10 million registered users and over 2 million active users. [30]
• Lucky Day: Lucky Day is a game app that allows you to earn tokens, called chips, by playing games, such as scratch cards, lotto, blackjack, and more. You can redeem your chips for cash via PayPal, or gift cards from Amazon, Walmart, Target, and more. You can also win cash prizes, ranging from $1 to $100,000, by matching winning numbers or symbols. Lucky Day has over 10 million registered users and over 1 million active users. [31]
• InboxDollars: InboxDollars is a game app that allows you to earn cash, not points, by playing games, watching videos, taking surveys, shopping online, and more. You can withdraw your cash via PayPal, or gift cards from Amazon, Walmart, Target, and more. You can also win cash prizes, ranging from $5 to $500, by spinning a wheel or scratching a card. InboxDollars has over 10 million registered users and over 2 million active users. [32]
• CashKarma: CashKarma is a game app that allows you to earn points, called karma, by playing games, watching videos, taking surveys, shopping online, and more. You can redeem your karma for cash via PayPal, or gift cards from Amazon, Google Play, iTunes, and more. You can also win cash prizes, ranging from $1 to $50, by completing achievements or entering contests. CashKarma has over 5 million registered users and over 1 million active users. [33]

These are some of the game apps that are best for earning money without investment, but there are many more to explore and compare. However, before you use any of them, you should do your own research and verification, and understand the risks and regulations involved in playing online games for money. You should also read their terms and conditions and privacy policies carefully. You should also keep your game app updated and protected with a strong password and biometric verification.

Is there any game to earn real money without investment?

Yes, there are many games that you can play to earn real money without investment. Some of the game genres that you can try are:

• Trivia: Trivia games test your knowledge on various topics, such as history, geography, science, sports, entertainment, and more. You can play trivia games solo or with other players, and win cash prizes, gift cards, or rewards. Some of the trivia games that you can play are HQ Trivia, Swag IQ, Quizdom, and more. [34]
• Puzzle: Puzzle games challenge your logic, memory, and problem-solving skills. You can play puzzle games solo or with other players, and win cash prizes, gift cards, or rewards. Some of the puzzle games that you can play are Solitaire Cube, Sudoku, Word Connect, and more. [35]
• Arcade: Arcade games test your reflexes, speed, and coordination. You can play arcade games solo or with other players, and win cash prizes, gift cards, or rewards. Some of the arcade games that you can play are Fruit Ninja, Subway Surfers, Temple Run, and more. [36]
• Casino: Casino games simulate the experience of gambling in a real casino. You can play casino games solo or with other players, and win cash prizes, gift cards, or rewards. Some of the casino games that you can play are Blackjack, Roulette, Slots, and more. [37]
• Sports: Sports games simulate the experience of playing or betting on real sports. You can play sports games solo or with other players, and win cash prizes, gift cards, or rewards. Some of the sports games that you can play are Dream11, FanDuel, DraftKings, and more. [38]

These are some of the game genres that you can play to earn real money without investment, but there are many more to explore and compare. However, before you play any of them, you should do your own research and verification, and understand the risks and regulations involved in playing online games for money. You should also read their terms and conditions and privacy policies carefully. You should also keep your game app updated and protected with a strong password and biometric verification.

FAQs:

Conclusion

Best Mobile Wallets in Pakistan are digital applications that allow you to store, send, and receive money using your smartphone. They are convenient, secure, and fast alternatives to cash, cards, or bank accounts. Best Mobile Wallets in Pakistan can also offer other features, such as online shopping, bill payments, mobile top-ups, tickets, and more.

There are many mobile wallets available in Pakistan, each with its own advantages and disadvantages. Some of the best mobile wallets in Pakistan are JazzCash, EasyPaisa, SimSim, PayMax, Keenu, UBL Omni, HBL Konnect, SadaPay, Easypaisa International, JazzCash International, Payoneer, PayPal, Skrill, Google Pay, and Apple Pay. However, before you choose any of them, you should compare their features, fees, security, and customer service. You should also read their terms and conditions and privacy policies carefully. You should also keep your mobile wallet app updated and protected with a strong password and biometric verification.

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