Schedule of Charges
July - December, 2026.
Charges are not inclusive of (FED), unless otherwise stated.
General
Account Opening Charges
__________________________________________________________________________________________
Free
Annual Charges
_____________________________________________________________________________________________________
Free
Mobile Banking Fees
________________________________________________________________________________________________
Free
SMS Fees
__________________________________________________________________________________________________________
Free
Minimum Balance Requirement
_____________________________________________________________________________________
None
Proceed Realisation Certificate Fee (ePRC)
(For transactions older than a year)
_______________________________________________________________________
Rs. 400
Debit Card
MasterCard Physical Card Issuance
______________________________________________________________________________
Rs. 1,724
MasterCard Physical Card Replacement
_________________________________________________________________________
Rs. 1,724
MasterCard Virtual Card Issuance
___________________________________________________________________________________
Free
MasterCard Virtual Card Replacement
()Only applicable in case of decline related blocking and replacement)
___________________________________________________________________________
Rs. 500
PayPak Physical Card Issuance
__________________________________________________________________________________
Rs. 1,724
PayPak Physical Card Replacement
_____________________________________________________________________________
Rs. 1,724
Merchant Payments
Gaming Voucher Purchases from SadaPay Wallet
_______________________________
As shown at the time of each transaction
Merchant Payments from SadaPay Wallet
______________________________________
As shown at the time of each transaction
Disputes
Dispute/Chargeback resolution via MasterCard Claim Manager (MCM)
________________________________________________
$2
Merchant Refunds
__________________________________________________________________________________________________
Free
ATM
ATM Cash Withdrawals
___________________________________________________________________________________________
Rs. 35*
Local Bank Transfers
All Outbound & Inbound Bank Transfers
______________________________________________________________________________
Free
International Transactions
International ATM Fee
______________________________________________________________________________
Up to Rs. 250
International Transaction Fee Up To Rs. 800
__________________________________________________________________
Rs. 55 + 6%*
International Transaction Fee Above Rs. 800
_________________________________________________________________________
6%*
Remittances
Incoming Remittances
______________________________________________________________________________________________
Free
SadaPay reserves the right to charge fees up to those specified above. All rates are exclusive of applicable taxes except for items marked with an asterisk (*)
Revised June, 2026
General
Account opening
Free
Monthly charges
Free
Annual charges
Free
Mobile banking fees
Free
SMS fees
Free
Minimum balance requirement
Free
Debit card
MasterCard issuance
Rs. 895 (one time)
MasterCard replacement
Rs. 895
PayPak fee
Rs. 1200 (annually)
PayPak replacement
Rs. 1200
ATM cash with drawals
First 3 withdrawals per month
Free
Subsequent withdrawals for the month
Rs. 23.44
Bank transfers and transactions
Local bank transfers
Free
Incoming remittance
Free
International ATM fee
Free
International transaction fee
Free
Withholding tax (WHT) is charged for all international transactions. As of July 1st, WHT is 5% for filers and 10% for non-filers.
Links
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Offices
SadaPay Head Office
Ufone Tower 9th Floor, Jinnah Avenue, Block F-7/1, Blue Area, Islamabad
SadaPay UAE Office
FinTech Hive, Gate Avenue, Zone D, Level 1, Dubai Int’l Financial Centre, PO Box 507211, Dubai, UAE
SadaPay UK Office
86-90 Paul Street London, EC2A 4NE, United Kingdom