HRA account can be opened by visiting a ZINDIGI Agent or ZINDIGI Mobile Wallet App. Only one time biometric verification required to open an HRA account.
No fees to receive funds through HRA
Any person with valid CNIC can receive money
No documentation is required
No time limits to receive money
Airtime of PKR 2 for each USD received in remittance
Secure encrypted transaction
There is no initial deposit and minimum balance requirement for HRA wallet.
Money can be transferred to ZINDIGI Mobile Wallet Account through HRA account provided it’s within the daily Product Limit. Once in customer’s ZINDIGI Mobile Wallet Account, money can be transferred via IBFT to any other bank
or to the customer’s core JS account.
Maximum balance limit
Monthly Cash withdrawal
HRA funds transfer limit
The HRA account is absolutely free for customers. Also, there are no charges on Debit Card Issuance against your HRA.
You can receive money from the following countries: