Is EasyPaisa really charging 2 percent on bank transfers in 2026?

Yes and no, which is why the argument ran for weeks. Money someone sends you, or money you push out from your own bank's app into your EasyPaisa wallet, is free. But EasyPaisa's Retail Banking Schedule of Bank Charges prints a 2 percent incl. tax charge for pulling funds into a Mobile Account from another bank account using Account Linking, and 3 percent from a debit or credit card. So there is no new fee on incoming transfers, and a pull-funding fee genuinely exists in writing. Both claims are true.

Why did EasyPaisa deny the 2 percent charge?

Because the denial was about a different thing than the complaint. EasyPaisa said money coming into an EasyPaisa account remains free, and that is accurate for a push: someone sending you money, or you transferring from your bank's own app. The complaints were about pulling money in from inside the EasyPaisa app through Account Linking, which is a separate row in the Retail Banking schedule and does carry 2 percent. Nobody was lying; they were describing two different routes.

How do I add money to EasyPaisa without paying a fee?

Open your bank's app rather than EasyPaisa, and send a normal IBFT or funds transfer to your EasyPaisa Mobile Account number, which is your registered mobile number. That is free. Avoid using Add Funds inside the EasyPaisa app for routine top-ups, and avoid linking a debit or credit card for funding, because those are the routes the 2 and 3 percent charges apply to.

What does the 2 percent cost me in rupees?

Rs 100 on Rs 5,000, Rs 200 on Rs 10,000, Rs 500 on Rs 25,000, Rs 1,000 on Rs 50,000 and Rs 2,000 on Rs 100,000. From a debit or credit card it is 3 percent, so Rs 150, Rs 300, Rs 750, Rs 1,500 and Rs 3,000 on the same amounts. Someone topping up Rs 20,000 a month by pulling instead of pushing pays about Rs 4,800 a year for it.

Which EasyPaisa schedule of charges should I be reading?

There are two and they cover different products. The Branchless Banking schedule covers the easypaisa Mobile Account, the wallet most people hold, and runs July to September 2026. The Retail Banking schedule covers easypaisa Bank Ltd retail accounts including the Digital Account, and runs July to December 2026. The confusing part is that the Retail Banking pull-funding row says Mobile Account only, so it reaches into wallet territory, which is precisely why quoting one document at someone does not settle the question.

Will the 2 percent charge go away in October 2026?

Not on the strength of a quarter ending. The Branchless Banking schedule expires on 30 September 2026, so anything in that document can change from October. But the pull-funding charge sits in the Retail Banking schedule, which is dated July to December 2026, so it is set to run to the end of the year. Re-check both documents in January rather than assuming either way.

Does JazzCash charge the same for pulling funds in?

We are not going to tell you it does or does not, because we have not read an equivalent line in JazzCash's published schedule and it would be a guess. JazzCash publishes its own Schedule of Charges and the honest answer is to check that document for a pull-funding or account-linking row before assuming the wallets behave the same way. Our [EasyPaisa vs JazzCash fees comparison](/blog/easypaisa-vs-jazzcash-fees-pakistan-2026) covers the fees we have verified for both.

EasyPaisa Transaction Fee Rumour 2026: Is the 2 Percent Charge Real?

In early August 2026 a claim spread across Pakistani social media that EasyPaisa had begun charging 2 percent on money moved from a bank account into an EasyPaisa wallet. EasyPaisa publicly rejected it, calling the reports false and misleading and saying that money coming into an EasyPaisa account remains free.

Then the argument refused to die, and there is a precise reason why.

The short answer

Both sides were quoting a real EasyPaisa document, and the two documents do not agree.

EasyPaisa publishes two separate Schedules of Bank Charges. On the exact same action they say different things:

Document	What it says about funds coming IN from another bank
Schedule of Bank Charges, Branchless Banking (July 2026 to September 2026)	Free
Schedule of Bank Charges, Retail Banking (July 2026 to December 2026)	2 percent incl. tax from a bank account, 3 percent incl. tax from a debit or credit card, when done using Account Linking

So no new fee was introduced on incoming transfers, and a pull-funding fee does exist in writing. Both statements are true at the same time. That is why nobody could win the argument.

What the Retail Banking schedule actually prints

From page 3 of the Retail Banking Schedule of Bank Charges, under Inter Bank Funds Transfer:

Service	Charge
Transfer-in and out to easypaisa Mobile Account	free
Inter-Branch Transfer	Free
Funds Transfer IN from Other Bank Accounts / Debit Cards / Credit Cards using Account Linking (Mobile Account only)	Pulling funds into MA from other bank accounts: 2 percent (incl. tax) of transaction amount. Pulling funds into MA from debit or credit cards: 3 percent (incl. tax) of transaction amount

Two words in that row decide whether you pay anything: Account Linking, and pulling.

Who starts the transfer is what costs you money

This is the whole thing, and it is simpler than the argument made it look.

Free. Someone sends you money. Or you open your own bank's app and push money out to your EasyPaisa wallet. Nothing is charged. This is what EasyPaisa's denial was referring to, and the denial is accurate.

2 percent. You open the EasyPaisa app, use Add Funds against a linked bank account, and pull the money in. This is the Account Linking route in the table above, and the people complaining were not imagining it.

3 percent. Same thing but pulled from a linked debit or credit card.

The money ends up in the same wallet either way. The only difference is which app you opened to start it.

What it costs at real amounts

Amount you move in	Push from your bank app	Pull via Account Linking (bank)	Pull from a card
Rs 5,000	Rs 0	Rs 100	Rs 150
Rs 10,000	Rs 0	Rs 200	Rs 300
Rs 25,000	Rs 0	Rs 500	Rs 750
Rs 50,000	Rs 0	Rs 1,000	Rs 1,500
Rs 100,000	Rs 0	Rs 2,000	Rs 3,000

If you top up Rs 20,000 a month by pulling, that is Rs 4,800 a year for pressing the button in the wrong app.

How to always pay zero

Open your bank's app, not EasyPaisa.
Send a normal IBFT or fund transfer to your EasyPaisa Mobile Account number, which is your registered mobile number.
Do not use Add Funds inside the EasyPaisa app for routine top-ups, and do not link a debit or credit card for funding.

Account Linking is still useful for convenience, and there is nothing wrong with paying for it knowingly. The problem is paying 2 or 3 percent without realising there was a free route.

Which schedule governs your account

This is worth checking rather than assuming, because the two documents cover different products.

The Branchless Banking schedule covers the easypaisa Mobile Account, the wallet most people use, opened with just a CNIC and biometric verification.
The Retail Banking schedule covers easypaisa Bank Ltd retail accounts, including the easypaisa Digital Account.

The complication is that the Retail Banking pull-funding row explicitly says Mobile Account only, so it is reaching across into wallet territory. That overlap is exactly why the two documents can be read against each other, and it is why quoting one PDF at someone settles nothing.

When these numbers expire

Do not carry these figures past their dates:

Branchless Banking schedule: July 2026 to September 2026. It expires on 30 September 2026 and the October schedule can differ.
Retail Banking schedule: July 2026 to December 2026. This one runs to the end of the year, which is why the pull-funding charge is not a quarterly item you can expect to lapse in October.

Anyone telling you a fee has or has not changed without naming which of the two schedules they read, and its date, is guessing.

The honest summary

EasyPaisa did not sneak in a new tax on incoming transfers. A pull-funding charge of 2 percent from bank accounts and 3 percent from cards is printed in its own Retail Banking schedule and applies when you pull funds in through Account Linking. Push from your bank instead and you pay nothing.

For every other EasyPaisa fee, cash withdrawal slabs, IBFT, bill payments and ATM charges, see the full EasyPaisa charges guide, and to compare against the other wallet see EasyPaisa vs JazzCash fees.