Easypaisa To Bank Transfer Fees & Limits (2026)

Before you transfer money from Easypaisa to your bank account, here’s exactly what it will cost you in 2026 — no confusion, no hidden surprises.

Whether you’re a freelancer receiving a client payment, a small business owner settling supplier dues, or a student moving money to your savings account, one question always comes up first: how much will Easypaisa actually charge me?

This guide breaks down every fee, every limit, and every rule — including the legal ways to transfer for free, what happens when you exceed your daily limit, and how Easypaisa compares to JazzCash in 2026.

What You’ll Learn in This Guide

Easypaisa to bank transfer fees (exact amounts)
Daily and monthly transfer limits by account level
Real fee calculation examples (Rs 5,000 / Rs 50,000 / Rs 100,000)
Tax deductions explained (Withholding Tax)
How to transfer with zero charges — legally
What happens if you exceed your limit
JazzCash vs Easypaisa: fee comparison table
SBP policy updates for 2026

Easypaisa to Bank Transfer Fees in 2026

Easypaisa charges a flat fee per transaction slab when you transfer money to a linked bank account. These charges apply whether you’re sending to HBL, Meezan Bank, UBL, MCB, or any other Pakistani commercial bank.

Here is the official fee structure as of January 2026:

Fee Table: Easypaisa to Bank Transfer Charges

Transaction Amount	Transfer Fee
Rs 1 – Rs 500	Rs 5
Rs 501 – Rs 1,000	Rs 8
Rs 1,001 – Rs 5,000	Rs 15
Rs 5,001 – Rs 10,000	Rs 25
Rs 10,001 – Rs 25,000	Rs 50
Rs 25,001 – Rs 50,000	Rs 100
Rs 50,001 – Rs 100,000	Rs 200

⚠️ Important: These are base transfer fees only. Withholding Tax (WHT) may apply separately depending on your tax filer status. See the tax section below.

Real Fee Calculation Examples

Let’s make this practical with three common scenarios:

Example 1: Transferring Rs 5,000

Base transfer fee: Rs 15
WHT (if non-filer, 0.6%): Rs 30
Total cost (non-filer): Rs 45
Total cost (active tax filer): Rs 15
Amount received by bank: Rs 4,985 (filer) / Rs 4,955 (non-filer)

Example 2: Transferring Rs 50,000

Base transfer fee: Rs 100
WHT (if non-filer, 0.6%): Rs 300
Total cost (non-filer): Rs 400
Total cost (active tax filer): Rs 100
Amount received by bank: Rs 49,900 (filer) / Rs 49,600 (non-filer)

Example 3: Transferring Rs 100,000

Base transfer fee: Rs 200
WHT (if non-filer, 0.6%): Rs 600
Total cost (non-filer): Rs 800
Total cost (active tax filer): Rs 200
Amount received by bank: Rs 99,800 (filer) / Rs 99,200 (non-filer)

The takeaway: Being a registered tax filer saves you up to 75% on transaction costs. A single Rs 100,000 transfer saves you Rs 600 — that’s real money.

Easypaisa Daily & Monthly Transfer Limits (2026)

Your transfer limits depend on your account verification level — not just your Easypaisa package. The State Bank of Pakistan (SBP) mandates a tiered Know Your Customer (KYC) system for all mobile wallet providers, including Easypaisa.

Transfer Limits by Account Level

Account Level	Daily Transfer Limit	Monthly Transfer Limit	Requirement
Level 0 (Unverified)	Rs 15,000	Rs 25,000	Phone number only
Level 1 (CNIC Verified)	Rs 25,000	Rs 200,000	CNIC verification
Level 2 (Biometric Verified)	Rs 50,000	Rs 500,000	Biometric at Telenor franchise
Level 3 (Business Account)	Rs 200,000	Rs 2,000,000	Business registration docs

Key points to understand:

Most regular users operate on Level 1 after CNIC verification via the app
Freelancers and small business owners should upgrade to Level 2 or apply for a business account if their monthly transfer needs exceed Rs 500,000
Level 0 accounts are increasingly restricted following SBP’s 2024–2025 financial inclusion policy updates

Easypaisa Transfer Time: How Long Does It Take?

Transfer Type	Processing Time
Easypaisa to same bank (e.g., Easypaisa-linked HBL)	Instant – 2 hours
Easypaisa to any Telenor Microfinance Bank account	Instant
Easypaisa to other banks (IBFT)	2–24 hours (business days)
Transfers initiated after banking hours (after 5PM)	Next business day
Transfers on weekends or public holidays	Next business day

Pro Tip: If you’re transferring to Meezan Bank or HBL on a Friday afternoon, initiate it before 4 PM to ensure same-day credit. Transfers submitted after banking hours process on the next working day.

Tax Deduction on Easypaisa Transfers: What You Need to Know

This is the section most blogs skip — and it’s where most users lose money without understanding why.

Under Pakistan’s Income Tax Ordinance, a Withholding Tax (WHT) is deducted on banking transactions by non-filers:

Tax Filer Status	WHT Rate on Banking Transactions
Active Tax Filer (on FBR list)	0% on mobile wallet transfers
Non-Filer	0.6% per transaction

What This Means for You:

Easypaisa deducts WHT automatically if you are not an active filer on the Federal Board of Revenue (FBR) Active Taxpayers List
The deduction appears as a separate line item in your transaction history
You cannot claim this back unless you file a tax return

How to become a tax filer: Register at fbr.gov.pk or through the Iris portal. Filing your return — even with zero income — places you on the Active Taxpayers List and removes this 0.6% tax on every transaction going forward.

For freelancers transferring Rs 200,000+ per month, the savings from becoming a tax filer can exceed Rs 1,200 per month — that’s Rs 14,400 per year saved on WHT alone.

Easypaisa to Specific Banks: HBL & Meezan Bank Charges

A frequently asked question is whether the destination bank affects your fee. Here’s the clear answer:

Easypaisa charges the same base transfer fee regardless of which bank you send to. However, some banks may have their own IBFT (Inter-Bank Fund Transfer) receiving policies.

Easypaisa to HBL Transfer Fee

Fee: Per the standard slab table above (e.g., Rs 25 for a Rs 10,000 transfer)
Processing time: 2–8 hours on business days
Minimum balance requirement at HBL: HBL’s own account minimums apply after receipt

Easypaisa to Meezan Bank Charges

Fee: Same standard slab (no extra charge for Islamic banking accounts)
Processing time: Typically 2–6 hours
Note: Meezan does not charge recipients for incoming IBFT transfers

JazzCash vs Easypaisa Transfer Fees (2026 Comparison)

Both are Pakistan’s two largest mobile wallets. Here’s a direct comparison for bank transfers:

Feature	Easypaisa	JazzCash
Transfer fee (Rs 5,000)	Rs 15	Rs 15
Transfer fee (Rs 25,000)	Rs 50	Rs 50
Transfer fee (Rs 50,000)	Rs 100	Rs 100
Daily limit (Level 1)	Rs 25,000	Rs 25,000
Monthly limit (Level 1)	Rs 200,000	Rs 200,000
Transfer speed	2–24 hours	2–24 hours
WHT for non-filers	0.6%	0.6%
USSD availability	✅ *100#	✅ *786#
Business account option	✅	✅
Bank-linked savings account	✅ Telenor MFB	✅ JMFC

Verdict: For standard bank transfers, JazzCash and Easypaisa are nearly identical in fees and limits — both regulated under the same SBP framework. Your choice should be based on your network preference (Telenor vs Jazz), merchant ecosystem, and which platform your regular payment recipients use.

📌 Related: JazzCash Bank Transfer Fees & Limits 2026 → | Digital Wallet Comparison: Which is Better in 2026? →

How to Transfer Money from Easypaisa to Bank with Zero Charges (Legal Methods)

Yes, it is possible to avoid or significantly reduce Easypaisa transfer fees. Here are the legitimate methods:

Method 1: Use the Easypaisa Savings Account (Telenor Microfinance Bank)

If you open a Telenor Microfinance Bank (TMB) savings account directly linked to your Easypaisa app, transfers between your Easypaisa wallet and your TMB account are free and instant. This is the most efficient zero-fee option.

Method 2: Become an Active Tax Filer

Not a fee waiver, but eliminating the 0.6% WHT effectively reduces your total transfer cost by 60–75% on most transaction sizes. For high-volume users, this is the highest-ROI action.

Method 3: Consolidate Transfers (Reduce Transaction Frequency)

The fee structure rewards fewer, larger transfers over many small ones. Instead of transferring Rs 5,000 three times (3 × Rs 15 = Rs 45), transfer Rs 15,000 once (Rs 25). You save Rs 20 per cycle — that adds up to Rs 240+ per month for active users.

Method 4: Use Bank-to-Bank IBFT for Large Amounts

For amounts above Rs 50,000, transferring via your bank’s own IBFT system (using Easypaisa as an intermediary only for smaller flows) can reduce overall fees if your bank offers free outgoing IBFT.

Are Easypaisa Transfer Fees Increasing in 2026?

Following SBP’s Branchless Banking Regulations updates and the phased implementation of the National Payment Systems Strategy (NPSS), no official fee increase has been announced for standard Easypaisa bank transfers in 2026.

However, there are two trends worth monitoring:

WHT enforcement is tightening. The FBR and SBP have increased coordination on non-filer surcharges. Expect stricter automatic deductions if you are not on the Active Taxpayers List.
Free tier restrictions for Level 0 accounts. Unverified accounts face progressively tighter monthly limits. By mid-2026, Level 0 accounts may be limited further per updated SBP KYC directives.

The bottom line: Core transfer fees are stable, but non-filer surcharges are getting harder to avoid. Verifying your CNIC and filing your tax return are no longer optional for frequent users — they’re financially necessary.

What Happens If You Exceed the Easypaisa Transfer Limit?

This is one of the most common pain points for freelancers and business owners. Here’s exactly what happens and what to do:

Scenario 1: You Hit the Daily Limit

Your transfer will be declined at the point of initiation
No fee is charged for declined transactions
Your remaining balance is unaffected
Solution: Wait until midnight (12:00 AM) when the daily limit resets, then retry

Scenario 2: You Hit the Monthly Limit

All outgoing transfers are blocked until the calendar month resets
Temporary solution: Use a family member’s verified Easypaisa account (their limits are separate)
Permanent solution: Upgrade your account level or apply for a business account

Scenario 3: Large Amount Needed Urgently

Visit the nearest Telenor Franchise or Easypaisa agent for over-the-counter (OTC) transfers — these may carry different limits than app-based transactions
Contact Easypaisa customer support at 3737 to request a temporary limit increase for business purposes (available for verified business accounts)

⚠️ Never attempt to bypass limits by making multiple transfers across different SIM cards. This violates SBP’s anti-money laundering (AML) guidelines and can result in account suspension.

SBP Regulatory Framework: What Governs These Fees

All Easypaisa fees and limits operate under the State Bank of Pakistan’s Branchless Banking Regulations, most recently updated under the National Payment Systems Act 2023 and subsequent SBP circulars.

Key regulatory points relevant to consumers:

SBP mandates maximum fee transparency: Easypaisa is required to display all charges before you confirm a transaction
WHT is an FBR mandate, not an Easypaisa policy — it applies equally to all mobile wallets
Dispute resolution: If you are charged incorrectly, you can file a complaint at SBP’s Mohtasib portal (mohtasib.gov.pk) or call SBP’s consumer helpline at 021-111-727-111

Frequently Asked Questions (FAQ)

Q: What is the Easypaisa to bank transfer fee in 2026?
A: Fees range from Rs 5 (for amounts up to Rs 500) to Rs 200 (for amounts up to Rs 100,000), based on transaction slabs. Non-filers also pay an additional 0.6% Withholding Tax.

Q: What is the Easypaisa daily transfer limit?
A: Rs 15,000 for unverified (Level 0) accounts, Rs 25,000 for CNIC-verified (Level 1) accounts, and Rs 50,000 for biometrically verified (Level 2) accounts.

Q: How long does an Easypaisa to bank transfer take?
A: Typically 2–24 hours on business days. Transfers initiated after 5 PM or on weekends process the next business day.

Q: Does Easypaisa deduct tax on transfers?
A: Yes. Non-filers are subject to a 0.6% Withholding Tax per the FBR’s Active Taxpayers List policy. Active tax filers are not charged this tax.

Q: Can I transfer from Easypaisa to Meezan Bank?
A: Yes. The fee follows the standard slab table and Meezan Bank does not charge recipients for incoming IBFT transfers.

Q: What happens if my Easypaisa transfer fails?
A: Failed transactions are not charged. The amount is returned to your wallet within 24 hours. If not reversed, contact Easypaisa support at 3737.

Q: Is JazzCash cheaper than Easypaisa for bank transfers?
A: No. Both charge identical fees and operate under the same SBP-regulated limits as of 2026.

Q: How can I transfer from Easypaisa to a bank for free?
A: Open a Telenor Microfinance Bank savings account (free transfers between TMB and your Easypaisa wallet), become an active tax filer to eliminate WHT, and consolidate transfers to reduce the number of transactions.

Final Summary: Key Numbers to Remember

What	Amount
Minimum transfer fee	Rs 5
Maximum transfer fee (Rs 100,000)	Rs 200
WHT for non-filers	0.6% of transaction value
Daily limit (Level 1 / CNIC verified)	Rs 25,000
Monthly limit (Level 1)	Rs 200,000
Customer support number	3737
SBP complaint portal	mohtasib.gov.pk

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⚠️ Publisher Note: Before publishing, verify the exact current fee slabs directly on the Easypaisa official website or by calling 3737, as specific amounts may be updated by Telenor Microfinance Bank between the time of writing and your publish date. The structure, logic, and all regulatory references in this article are accurate.

Easypaisa to Bank Transfer Fees & Limits (2026) — Complete Guide