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	PKR 1,500,000
Monthly Cash withdrawal	PKR 500,000
HRA funds transfer limit	PKR 50,000

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:

• Albania
• Andorra
• Austria
• Belgium
• Belgium
• Bulgaria
• Canada
• Croatia
• Cyprus
• Czech Republic
• Denmark
• Estonia
• Finland
• France
• Germany
• Greece
• Hungary
• Iceland
• Ireland
• Italy
• Latvia
• Liechtenstein
• Lithuania
• Luxembourg
• Malta
• Mexico
• Montenegro
• Netherlands
• Norway
• Poland
• Portugal
• Romania
• San Marino
• Serbia
• Slovakia
• Slovenia
• Spain
• Sweden
• Switzerland
• Tajikistan
• Macedonia
• United Kingdom
• United States