*APPLICABLE FROM 1st April, 2020 to 30th June,2020

Transaction Type Total Fee (Includes FED)
M-Wallet Registration -
Postpaid Bill Payment through M-Wallet -
Mini statement M-Wallet -
Utility Bill Payment OTC -
Utility Bill Payment through M-Wallet First 3 transactions are free per calendar month, subsequent are charged at PKR 20 per transcation
Postpaid Bill Payment OTC -
Prepaid Load through M-Wallet -
Other Operator Prepaid Load through M-Wallet -
Donations through OTC -
Donations through M-Wallet -
Internet Bill Payment OTC -
Internet Bill Payment M-Wallet -
Cash In to M-Wallet -
Cash Out from CNIC -
Money Transfer from CNIC to M-Wallet -
Money Transfer - Wallet to Wallet First 10 transactions are free per calendar month; subsequent transactions will be charged at 0.5% of the transaction amount (inclusive of FED)
Nonpersonalized VISA Debit Card (currently not available)  
EMV Visa Debit Card 599.00
IBFT Into M-Wallet -
Ready Cash Annual markup to be charged on applicable rates
Bachat Account Interest will be paid on applicable rates
Money Transfer from CNIC to CNIC
0 – 1,000 60.00
1,001 – 2,500 120.00
2,501 – 4,000 180.00
4,001 – 6,000 240.00
6,001 – 8,000 300.00
8,001 – 10,000 350.00
10,001 – 13,000 400.00
13,001 – 15,000 450.00
15,001 – 20,000 600.00
20,001 – 25,000 750.00
25,501 – 30,000 900.00
3,0001 – 40,000 1,100.00
40,001 – 50,000 1,300.00
Money Transfer from M-Wallet to CNIC
0 – 1,000 50.00
1,001 – 2,500 100.00
2,501 – 4,000 150.00
4,001 – 6,000 200.00
6,001 – 8,000 250.00
8,001 – 10,000 300.00
10,001 – 13,000 350.00
13,001 - 16,000 400.00
16,001 - 20,000 500.00
20,001 - 25,000 650.00
25,501 - 30,000 800.00
3,0001 - 40,000 900.00
40,001 - 50,000 1,100.00
IBFT Outgoing from OTC / CNIC
0 – 1,000 35.00
1,001 – 2,500 50.00
2,501 – 4,000 65.00
4,001 – 6,000 80.00
6,001 – 8,000 90.00
8,001 – 10,000 105.00
10,001 – 13,000 120.00
13,001 – 15,000 130.00
15,001 - 20,000 165.00
20,001 - 25,000 200.00
25,501 – 30,000 250.00
3,0001 – 40,000 325.00
40,001 – 50,000 400.00
*Inclusive of 1-link charges
Cash Out from Mobile Wallet
1-200 7.00
201-500 12.00
501-1,000 20.00
1,001-2,500 40.00
2,501-4,000 70.00
4,001-6,000 100.00
6,001-8,000 130.00
8,001-10,000 180.00
10,001-13,000 230.00
13,001-16,000 280.00
16,001-20,000 330.00
20,001-25,000 380.00
25,001-30,000 470.00
30,001-40,000 560.00
40,001-50,000 690.00
Cash out From ATM
500-1000 20.00
1500-2,500 30.00
3,000-4,000 50.00
4,500-6,000 70.00
6,500-8,000 90.00
8,500-10,000 110.00
10,500-13,000 130.00
13,500-16,000 140.00
16,500-20,000 160.00
IBFT from Mobile Wallet**
1-200 15.00
201-500 15.00
501-1000 20.00
1,001-2,500 40.00
2,501-4,000 60.00
4,001-6,000 80.00
6,001-8,000 100.00
8,001-10,000 150.00
10,001-13,000 200.00
13,001-16,000 250.00
16,001-20,000 300.00
20,001-25,000 350.00
25,001-30,000 400.00
30,001-40,000 450.00
40,001-50,000 500.00
*ATM withdrawal fee from MMBL ATM's will be 0
**Inclusive of 1-Link charges