C-OTC: CNIC to JS Branch Account

JS Bank offers its retail banking customers, and their friends and family, a unique ‘cash transfer’ facility that credits their JS Branch Account from any Jcash Agent in Pakistan. This cash based money transfer facility allows anyone with a valid CNIC to send money to a valid JS Bank Branch Account in Pakistan. This service allows any individual (CNIC holder) to send up to Rs. 15,000 per month.


The pricing structure for this facility is detailed below:

Valid from 1st july, 2019 to 30th June, 2020.

Slab CNIC to JSBL Core Account
1,001 – 2,000


2,001 – 3,000
3,001 – 4,000
4,001 – 6,000
6,001 – 8,000
8,001 – 10,000
10,001 – 13,000 125
13,001 – 16,000
16,001 – 20,000
20,001 – 25,000
25,001 – 40,000 150


All walk-in customers are required to follow the following process:


1. Sender goes to a Jcash Agent, and requests for a Person to JS Branch Account transaction
2. Sender provides his valid and active CNIC and Mobile Number
3. Sender provides the valid JS Branch Account Number of the Receiver, their Mobile Number, and provides the amount to be sent, in addition to the charges (as per the slabs listed above)
4. Retail Agent (Sending Agent) creates the transaction and, allows the Sender to validate the Title of Account corresponding to the JS Branch Account Number given by the Sender (as a confirmation), and sends the money
5. Sender receives a system generated SMS, with a Transaction ID, and other transaction details for their reference


6. Receiver receives a system generated SMS, with Transaction ID and amount of transfer for their reference