easypaisa – a digital bank: finance app
easypaisa – a digital bank is a finance app by Easypaisa Bank Limited that lets users send money, pay bills, save, and invest from their phone.
easypaisa – a digital bank is a free finance app for Android 8.0 and newer. easypaisa covers transfers to bank accounts, mobile wallets, WhatsApp, CNIC, and Raast, plus bill payments, mobile packages, savings plans, and loans in Pakistan. The app has a 4.56 rating based on about 4.5 million ratings and over 100 million installs.
Screenshots
easypaisa – a digital bank is a finance application by Easypaisa Bank Limited that delivers digital banking functions such as money transfers, bill payments, mobile load, savings plans, and loans. The app addresses the inconvenience of visiting physical bank branches by consolidating everyday financial tasks into a single mobile interface. It solves this by offering instant transfers to bank accounts, easypaisa accounts, other mobile wallets, CNIC numbers, WhatsApp contacts, and the Raast network; utility bill payments with reminders; and optional savings products like short-term term deposits and a daily rewards plan. Additional services include QR payments, insurance, donations, and access to food delivery, travel bookings, and movie tickets. The application is free, shows no ads, and has no in-app purchases.
Key features
- Send money to bank accounts, easypaisa accounts, other wallets, CNIC numbers, WhatsApp contacts, and via Raast Transfer.
- Pay utility bills for electricity, gas, telephone, internet, water, and government fees, with payment reminders.
- Access 275+ mobile packages and bundles across networks, plus post-paid bill payment and scheduled top-ups.
- Earn up to 9.5% annually through the daily rewards diamond plan and use savings pockets for goals.
- Start term deposits with plans as short as 7 days for guaranteed profits.
- Apply for Easycash personal loans from PKR 200 to PKR 25,000 without documents, with a maximum APR of 32–40%.
- Use QR payments with easypaisa Raast QR at merchants and recharge Daraz or M-Tag wallets with discounts.
- Donate to 60+ organizations; easypaisa adds 5% (Rs. 1 for every Rs. 20 donated).
How to install
- Tap the download button on this page to obtain the APK file (file size not specified).
- When Android prompts, allow your browser or file manager to install unknown apps by enabling the "Install unknown apps" setting.
- Open the downloaded APK file from your file manager or notifications.
- Tap Install and wait for the process to complete.
- Open the app and sign up or log in with your easypaisa account.
- Android 8.0 or newer is required.
Pros
- Free to download and use, with no ads and no in-app purchases.
- Covers a wide range of financial tasks in one app, including transfers, bills, savings, loans, and insurance.
- High user rating of 4.56 based on over 4.5 million ratings.
- 100 million installs indicate a large established user base.
- Monthly account limit up to Rs. 25 lakh and no hidden charges on transfers or payments.
- Biometric verification is available within the app.
Cons
- Requires access to many sensitive areas, including identity, contacts, SMS, location, phone, camera, microphone, and storage.
- Easycash loans carry a maximum APR of 32–40%, which is high.
- Personal loans are restricted to Pakistan citizens residing in Pakistan.
- Some financial limits (e.g., monthly account cap) may constrain higher-volume users.
Latest changes · 2.10.11
Version 2.10.11 of easypaisa focuses on enhanced security features along with general improvements. The update aims to make the app safer and more reliable for everyday banking. No additional changes were detailed in the release notes.
Older versions
| Version | Size | Requires Android | Updated |
|---|---|---|---|
| 2.10.9 | — | 8.0 | Oct 2, 2026 |
| 2.10.11 | — | 8.0 | Oct 2, 2026 |
| 2.8.4 | 83 MB | 4.4 | Jun 18, 2026 |
| 2.4.5 | 60 MB | 4.3 | Aug 22, 2020 |
| 3.5.0.56 | 22 MB | 4.2 | Jun 27, 2019 |
| 3.5.0.10 | 7.2 MB | 4.1 | Jan 6, 2017 |
This app is aimed at people in Pakistan who want to handle everyday financial tasks from their phone instead of visiting a bank branch. It suits individuals who regularly send money to bank accounts or other wallets, pay utility bills, recharge mobile numbers, and want access to savings plans, small personal loans, insurance, and donation options. Because features such as loans and certain transfers are Pakistan-specific, the app is primarily intended for residents of Pakistan.
Enable biometric verification for faster sign-in, set bill reminders so payments are not missed, and review the loan terms carefully before applying for Easycash since the APR range is substantial.
Permissions
FAQ
Which ways can I use to send money through the easypaisa app?
You can transfer money to any bank account, such as HBL Konnect, UBL, Meezan, Alfalah, Allied, Askari or NBP, as well as to another easypaisa account, mobile wallets like JazzCash, SadaPay or NayaPay, a WhatsApp contact, a CNIC number, or via Raast Transfer. The app describes these transfers as free, instant and secure.
What are the terms of the easycash loan option inside the app?
The easycash loan requires no documents and offers amounts from PKR 200 up to PKR 25,000, with a tenor of no less than 60 days from the day of disbursement. The maximum APR is 32%–40% per year. As an example, a PKR 20,000 loan at a 32% service fee would mean a PKR 6,400 total service fee and a repayment amount of PKR 26,400. Personal loans are available only to Pakistan citizens in Pakistan.
How can I earn rewards or get cash back through saving and donating?
Subscribing to the daily rewards diamond plan lets you receive rewards of up to 9.5% annually. There is also a savings pocket for saving goals that offers rewards on timely payments. During Ramzan, donations made via the app to over 60 organizations such as Shaukat Khanum, SIUT, Edhi, Alkhidmat, MTJ, Indus Hospital and TCF are matched with an extra 5%, or Rs. 1 for every Rs. 20 donated. New users also get a Rs. 100 sign-up reward.
What investment options does the Term Deposits feature offer?
Term Deposits let you start investing with plans as short as 7 days, which can be tailored to your financial goals. The feature offers guaranteed profits and is fully digital, so you can manage the deposit without visiting a bank.
Which bills and mobile packages can be paid or activated in the easypaisa app?
You can pay electricity bills (IESCO, PESCO, K-Electric), gas (SNGPL, SSGC), telephone (PTCL, SCO), internet (Nayatel), water (CDA) and government fees such as e-Challan and FBR Mobile Tax, with reminders available. The app also supports 275+ mobile packages for Telenor, Zong, Ufone, Jazz, ONIC and ROX, including data bundles for Facebook, Instagram, WhatsApp and TikTok, SMS or call packages, post-paid bill payments, and scheduled mobile load and package payments.
easypaisa – a digital bank consolidates transfers, bills, savings, and loans into a single free app with no advertising. It is a practical option for Android users in Pakistan, though the broad permission set and loan costs deserve attention.
Similar apps
Updated: Oct 23, 2026
| Version | Size | Requires Android | Updated |
|---|---|---|---|
| 2.10.9 | — | 8.0 | Oct 2, 2026 |
| 2.10.11 | — | 8.0 | Oct 2, 2026 |
| 2.8.4 | 83 MB | 4.4 | Jun 18, 2026 |
| 2.4.5 | 60 MB | 4.3 | Aug 22, 2020 |
| 3.5.0.56 | 22 MB | 4.2 | Jun 27, 2019 |
| 3.5.0.10 | 7.2 MB | 4.1 | Jan 6, 2017 |
- Version
- 2.10.11
- Requires Android
- 8.0
- Updated
- Oct 2, 2026
- Installs
- 100M+
- Rating
- ★ 4.55 (4,530,997)
- Category
- Finance
- Developer
- Easypaisa Bank Limited
- Content rating
- Everyone
- Package
- pk.com.telenor.phoenix
- Free
- ✓