About
UPaisa is Pakistan's branchless-banking mobile account from U Microfinance Bank (U Bank), a wholly owned subsidiary of PTCL, run jointly with mobile operator Ufone. Launched in October 2013, it opens an account by dialling the *786# USSD code or through the app, so it works on basic phones as well as smartphones. The balance is used for money transfers, mobile recharge, utility bills, school fees and tolls, and a Mastercard debit card launched in September 2024 adds card payments. UPaisa is offered at nearly 45,000 agent locations (as of 2025), and accounts are held at U Bank, which is licensed by the State Bank of Pakistan.
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