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JS / Raast


RAAST is Pakistan’s first instant payment system, which enables individuals, businesses, and government entities to transfer funds using their mobile number as their Raast ID.
All you need to do is register your mobile number with JS Bank account number and start sending and receiving money on your Raast ID

+ Features
Instant Payments

Send and receive money using your Phone number, instantaneously

Free of Cost:

No charges on Raast related services.


No need to remember long IBAN.

No minimum transaction limit:

No minimum transaction size is defined.


Instant payments into account.

Simple to Use:

Link your mobile phone number as your RAAST ID in a few quick steps through JS Mobile and start receiving payments using the same immediately

Reliable and Secure:

RAAST uses more secure payment types, ensures that each transaction is authorized by the payer, and offers enhanced data protection and fraud detection services.

24/7 Support

Raast is available round the clock & 24/7 helpdesk support is offered by the JS Bank.


  1. Log on to JS Mobile
  2. Select RAAST
  3. Tap RAAST ID Management
  4. Register to link your JSBL account to your RAAST ID

Linking / Delinking:

  1. Log on to JS Mobile
  2. Select RAAST
  3. Tap RAAST ID Management
  4. Change your Raast ID
  5. Link / Delink Raas ID

Payment Process:

  1. Transfer funds to anyone on their mobile number or IBAN
  2. Tap on Raast Payments option
  3. Enter RAAST ID or IBAN
  4. Enter Amount
  5. Select purpose of transfer and Proceed
+ Over The Counter


  1. Visit any JS Bank Branch
  2. Provide a written request at the branch counter
  3. Mention your alias and IBAN on the written request

Linking / Delinking / Suspend:

  1. Visit any JS Bank Branch
  2. Provide a written request at the branch counter
  3. Mention your alias and IBAN on the written request to be Linked / Delinked / Suspend

RAAST Transfer of funds:

  1. Visit any JS Bank Branch
  2. Submit the fund’s transfer request on the deposit slip
  3. Mention your alias and funds transfer amount on the written request
+ Channels

How to Register Raast ID:

+ FAQs
What is RAAST?

RAAST is Pakistan’s first instant payment system that will enable end-to-end digital payments among individuals, businesses, and government entities seamlessly. This service is now available for individuals with bank accounts to seamlessly transfer funds to other individuals with bank accounts.

Why should I use RAAST?

RAAST will connect you with every bank. RAAST offers a simple, fast, secure and convenient way to transfer money from one bank account to another.

What is RAAST ID?

RAAST ID is a simple identifier (currently mobile number) that you link with your bank account. Instead of sharing bank account numbers, you can now share your RAAST ID with others and start receiving funds in your linked account.

Do I need a bank account to use RAAST?

Yes, you need to have an account with a bank or any other payment service provider to connect it with RAAST.

Do I need to register a RAAST ID to use RAAST?

You only need a RAAST ID if you want to receive a payment using your mobile number (RAAST ID). You do not need a RAAST ID to make a fund transfer or receive a payment via IBAN.

Can I register multiple RAAST IDs and / or multiple accounts against a RAAST ID?

Currently, an individual can only register one RAAST ID with one linked account (regardless of the number of bank accounts or mobile numbers they may have).

Can I change my already linked bank account against my RAAST ID?

Yes, you can de-link your RAAST ID from your current bank account and can re-link this RAAST ID with another bank account. For further details please contact your respective bank.

How can I modify / delete my RAAST ID or my consumer details?

Please reach out to the bank used for your RAAST ID registration for RAAST ID modification/deletion. RAAST Payments.

RAAST payments
What are the charges for sending and receiving funds using RAAST?

In spirit to promote financial inclusion in Pakistan, currently there are no charges on RAAST transactions.

What are the channels to transfer funds via RAAST?

RAAST is available for payments via JS Mobile App & Over the Counter

How do I pay using RAAST?

You can send payments to a registered RAAST ID or an IBAN for those banks currently active on the RAAST network.

What is the limit for RAAST transfers?

Please reach out to your bank regarding limits on RAAST transactions.

Can RAAST be used to make international transactions?

No, RAAST is currently activated for only local transfers within Pakistan. Customer support

Customer support
Are payments made via RAAST safe?

Yes, RAAST offers reliable, state of the art security features to ensure payments are protected and secure.

Should I receive an SMS / Email once a transaction is complete?

Yes, your bank should notify successful transactions via SMS / email.

How can I register complaints with reference to RAAST transactions?

There is a well-defined procedure to register complaints related to RAAST. Please raise any concerns / issues / queries with your bank’s existing customer support / helpline directly.