JS Smart

FAQs

A: JCash is a branchless banking solution that enables customers to fulfill their banking and payment needs in a convenient and secure way. Customers can avail JCash services by visiting their nearest JCash Shop, JS Branch or by downloading their JCash Account App through JS Mobile App and Debit card.

A: JCash Mobile Account is an actual bank account that is tagged with your mobile number and can be operated through your phone. Customers can make deposits or withdrawals through any JCash Agent, JS Bank Branch or ATMs spread across Pakistan

A: Your Mobile Number is your JCash Mobile Wallet Account.

A: JCASH Mobile Account/Wallet Money transfer cannot be registered for expired or lost CNIC’s. Only original and valid CNIC will be accepted.

A: You can open your JCash Wallet Account; through:By downloading JS Wallet Mobile App from play store
-OR-By visiting JCash Shop
-OR-By Visiting the Branch

There are two types of JCash Mobile Wallet Accounts:

SR	Description	Level – 0	Level – 1
i	Transaction Limits	Rs. 25,000 per day Rs. 50,000 per month Rs.200,000 per year	Rs. 50,000 per day This limit shall not be applicable on: (i) Credit from employers for salaried persons against proof of employment and (ii) Payment to trusted merchants including schools and hospitals etc.] Rs. 200,000 per month
ii	Maximum Balance Limits	Rs. 200,000	Rs. 400,000
iii	Transaction limits (Debit/ Credit)	The transaction limits shall be treated separately for both payments and receipts on JCash Mobile Wallet Accounts The amount of payment of utility bills shall not be counted as part of existing transaction limits allowed to BB account holders

A: As per State Bank of Pakistan rules, there can be only one mobile account per CNIC per customer.

A: There is no requirement of minimum initial deposit

A: Upon successful registration, customer will receive a call from JS Bank helpline to enter their desired 4-digit MPIN. All transactions made from Mobile Account are secured with this 4 digit MPIN. If you ever forget your MPIN, please call the helpline 111-444-000

A: You will receive SMS upon successful transaction. SMS notifications will be sent to the sender and the receiver at the time money is sent and collected.

The customer should ensure that the phone numbers mentioned on the money transfer receipt are correct. He/ She should then call the helpline and after verification, the call center agent will confirm the transaction status.

A: Money transfer sending or receiving is done instantly.

A: The receiving customer must collect the transaction within 180 days. As per regulations, all transaction uncollected for longer than 180 days will be blocked.

A: No tax is applicable on depositing into your Mobile Account

A: Yes, You can pay utility bills through any JCash Shop offering bill payment services. Simply visit your nearest JCash Shop with the bill and amount to be paid and you will be able to pay bills instantly. For every bill payment made, you will receive an SMS notification as proof of payment.

A: In this case, the customer needs to call the customer helpline to log a request for MPIN reset. After successful verification, a SMS for creation of a new PIN will be sent to the customer so that the customer can create his own PIN.

A: The Home Remittance Account is a bank account tagged with your mobile number and can be operated through your phone. It is a special account with features and limits to facilitate customers who receive international remittances.

A: Below are the services you can avail through JS Wallet

Utility bill payments
Mobile bill payments
Mobile & Internet top-ups
Funds transfer to CNIC, any bank account or mobile account
ITP Challan Payments
KPK Traffic Challan Payment
KPK Driving License Fee
International home remittances
Institutional payments

A: Please call JCash Customer Care 111-444-000

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FAQs

Q: What is JCash?

Q: What is a JCash Account?

Q: What is my JCash Account number?

Q: What if a customer has an expired CNIC or his CNIC is lost?

Q: What if a customer has an expired CNIC or his CNIC is lost?

Q: How to open a JCash Account?

Q: What are the different Types of JCash Mobile Wallet Accounts & there limits?

Q: Can I open more than one JCash Account on a single CNIC?

Q: What is the minimum initial deposit requirement for opening a JCash Account?

Q. How can I access Mobile Account menu after registration?

Q: Will I be informed when my transaction is successfully completed?

Q. What if the customer does not receive the confirmation message?

Q. How long does money transfer transaction take? How long the receiver does have to wait after the sender sends the money?

Q. How long does money transfer transaction take? How long the receiver does have to wait after the sender sends the money?

Q. Is there a time limit for a customer to receive a money transfer transaction?

Q. Is there any tax deduction on depositing money into my Mobile Account?

Q: Can I pay utility bills through any JCash Shop?

Q: If Customer Forgets his mobile account MPIN?

Q: What is an HRA account?

Q: What are the various services offered through the JCash Account?

Q: What should I do if I have a query which is not answered here?