Easypaisa Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Easypaisa Bank gives people in Pakistan a fee free everyday account alongside a small short term loan that needs no paperwork. The savings account pays a variable 9.5% on easy access balances, while Easycash borrowing costs 32% to 40% across a 2 term.
Key facts
Loans
- APR
- 32% to 40%↗
- Loan amount
- PKR 25,000↗
- Term
- 2 months↗
- Funding time
- Instant, in app or by USSD *786*7#↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Easycash: no documentation or security required; account needs a valid CNIC↗
- Loan types
- Personal, BNPL↗
- Pricing model
- No monthly fee
Pros and cons
Pros
- The savings account runs no monthly fee and the debit card carries a PKR 0 monthly fee, so holding a balance costs nothing.
- Easycash asks for no documentation or security, so an account holder with a valid CNIC can apply.
- Borrowing lands quickly, with same day funding and funding of Instant, in app or by USSD *786*7#.
- Profit is credited automatically every month, and access runs through the easypaisa app or USSD.
Cons
- Borrowing is the expensive part: 32% to 40% sits well above the 15.5% median across the site.
- The Easycash term is 2, which suits a short gap between paydays rather than a large planned purchase.
- Nothing is locked in: the 9.5% rate is variable on an easy access account, so returns can move.
Who it suits
- People in Pakistan who want a fee free savings balance and monthly profit crediting.
- Account holders with a valid CNIC who need a small loan without documentation or security.
- Anyone happy to manage money in the app or by USSD rather than in a branch.
Who should look elsewhere
- Not for borrowers who want cheap money over a long stretch: Easycash runs 32% to 40% and clears in 2.
- Not for savers who want a locked rate: the 9.5% rate is variable on an easy access account.
- People choosing on monthly cost alone should weigh the rest too: bunq charges €0, Varo Believe Secured Credit Card charges $0 and Wise charges £0.
The company behind it
easypaisa bank ltd is the company behind the brand, headquartered in Pakistan and founded in 2009. The savings account, the debit card and the Easycash loan all sit under the same company name. Support runs on phone, email and help centre, which covers phone, email, live chat and a help centre, so most questions can be answered without a visit.
How Easypaisa Bank compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
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Where Easypaisa Bank is available
- Available
- Pakistan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there a monthly fee to keep the account and card?+
The savings account runs no monthly fee and the monthly fee on the debit card is PKR 0, so holding a balance there costs nothing each month. Profit is credited automatically every month, with no claim or activation step.
What rate do I earn and can it change?+
The savings account pays a headline rate of 9.5% on an easy access balance. The rate is variable, so it can move rather than staying locked, and the account is easy access rather than tied to a fixed period. Access runs through the easypaisa app or USSD.
How do I get in and check my balance?+
Access any time via the easypaisa app or USSD, and profit is credited automatically every month. The account is easy access, so there is no term to serve and no notice period to give before taking money out. A debit card on the visa network covers everyday spending.
How fast can I get a loan and what kinds are offered?+
Funding is Instant, in app or by USSD *786*7#, so the money can land the same day rather than waiting out a processing window. The lending covers personal and bnpl, with personal loans and buy now pay later arranged by the bank rather than a broker. The published loan amount is PKR 25,000.
What does Easycash cost and how long do I repay?+
Easycash carries an annual percentage rate of 32% to 40%, which sits high against the 15.5% median across the site. The term is 2, so it is built for a short gap rather than a long planned purchase. Early repayment is free, which keeps the cost down if the money comes back sooner.
Do I need paperwork or security to take a loan?+
No documentation or security is needed for Easycash, and an account holder with a valid CNIC can apply. The checks are light, which suits someone whose income is informal or hard to document. Early repayment stays free on top of that.
What card comes with the account?+
The account comes with a debit card on the visa network, so everyday spending works wherever Visa is accepted. The monthly fee is PKR 0, and the card sits alongside the savings balance rather than replacing it. Support for card questions runs on phone, email and help centre.
Who can open the account and get help?+
Opening needs a valid CNIC, and access runs through the easypaisa app or USSD once the account is live. Help is available on phone, email and help centre, which covers phone, email, live chat and a help centre. The company behind the brand is easypaisa bank ltd, headquartered in Pakistan.
Sources
- easypaisa.com.pk/about-us checked September 26, 2026
Backs: Founded
“From launching Pakistan's first branchless mobile money transfer service in 2009 to serving 55+ million users today”
- easypaisa.com.pk/corporate-information checked September 26, 2026
Backs: Headquarters, Legal entity
“Registered Office: easypaisa bank ltd, Karachi - Sindh 75350, Pakistan”
- easypaisa.com.pk/easycash checked September 26, 2026
Backs: APR, Eligibility, Free early repayment, Term
“Maximum Annual Percentage Rate (APR): 32% - 40%”
- easypaisa.com.pk/easypaisa-debit-card checked September 26, 2026
Backs: Monthly fee, Card network
“easypaisa Debit Card does not have any annual fee/charges”
- easypaisa.com.pk/faqs checked September 26, 2026
Backs: Pricing model, Support channels
“no monthly or annual fee is charged for using the easypaisa ATM cards”
- easypaisa.com.pk/loans checked September 26, 2026
Backs: Loan amount, Features, Funding time, Lender type, Loan types
“easycash se borrow up to Rs. 25,000 instantly aur repay easily!”
- easypaisa.com.pk/my-account checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Rate type
“transact up to Rs. 100 million and earn 9.5% annualized profit, credited automatically every month”
- easypaisa.com.pk/public-information/ScheduleofBankCharges... checked September 26, 2026
Backs: Card type
“easypaisa VISA Debit card”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.