Send. Receive. Get Rewarded.

It is a reward scheme for people in Pakistan who receive money from family and friends abroad through banks. Every three months, a random Draw picks 2,521 winners from among the accounts that received qualifying remittances, and each winner receives a cash prize. The Scheme is funded entirely by Pakistan's banks and is run by the Pakistan Banks Association (PBA) with 1LINK, under the patronage of the State Bank of Pakistan (SBP).

To encourage overseas Pakistanis and their families to send and receive money through banks rather than through informal channels. Money that comes through banks is safer for you, arrives in your own account, and supports the country's economy.

No. You pay nothing to take part, you buy nothing, and you risk nothing. Your remittance is yours in full whether or not you win. The Scheme is a promotional reward paid for by the banks from their own funds, in the same way that a bank might reward its customers for using a service. It is not a lottery, a wager or a bet.

No. Sohni Dharti is a separate, ongoing Government of Pakistan scheme. Pasban Remittance Rewards is a new initiative that builds on some of the same underlying infrastructure, but the two are not the same, and rewards don't carry over between them.

The Scheme starts on 1 October 2026 and runs until 30 September 2027. The banks may extend it for further periods; any extension will be announced on the official website and by the Participating Banks.

No. Participation is automatic. If a qualifying remittance, sent through a Participating Bank, is credited to your eligible account, Scheme Entries are created for your account every day by 1LINK's system from the data your bank already reports. You do not need to do anything.

Nothing at all. You will never be asked to pay a fee, buy a ticket, keep a minimum balance or give anything of value to take part or to receive a prize. If anyone asks you to pay to enter, to claim or to release a prize, they are not acting for the Scheme. Do not pay, and report it to your bank or wallet provider at once.

A Pakistan Rupee account in your own name (or a joint account of individuals), which is open and active. This includes branchless-banking wallets (such as SadaPay or NayaPay) and accounts at microfinance banks. Your account does not itself need to be at a Participating Bank, provided the remittance is sent through a Participating Bank. Roshan Digital Accounts, foreign-currency accounts and accounts of companies, firms or trusts do not count.

Yes, each account is treated separately for earning Scheme Entries. Each account earns Scheme Entries on the remittances credited to it, and each account is a separate entrant in the Draw. However, a person (identified by CNIC) can win only one prize per Draw. If Scheme Entries linked to the same person are selected in more than one prize category, the higher prize stands, and the other selection is void and re-drawn.

Yes. Tell your bank or wallet provider in writing, or through any channel it provides for this, and it will exclude your account from the next Draw Period onwards. You can opt back in the same way. Opting out has no effect on your remittances or your account.

Directors, officers and employees of PBA, 1LINK, SBP and any Participating Bank, and any person directly engaged in the design, administration, operation or audit of the Scheme, together with their staff, cannot win. If such a person is selected, the selection is void and an alternate winner is drawn.

You also cannot receive a prize if, at the time of verification, your account is closed, frozen, blocked, dormant or under a legal restraint, or if you are a person to whom a bank is prohibited by law from making a payment.

Money sent by an individual outside Pakistan to an individual in Pakistan through a bank, an exchange company or a licensed money transfer operator, and credited directly into a Pakistani Rupee account in Pakistan. A person abroad can also send money to his or her own Pakistani Rupee account in Pakistan; that is a home remittance too. Payments for goods, services, trade or investment, and transfers between accounts within Pakistan, are not home remittances.

Four things must all be true: it is received through a formal channel, processed by a Participating Bank, and credited directly into your eligible account (which does not itself need to be at a Participating Bank); its value is at least USD 100 (converted from rupees at the SBP daily rate); your account has received a remittance of at least USD 100 in each of three consecutive months in the Draw Period; and it is genuine and has not been reversed, cancelled or disputed. The three-month condition is checked when the quarter ends. Until then, your Scheme Entries are provisional.

Example: if your account receives USD 100 or more in October, November and December 2026, those remittances qualify for the January 2027 Draw.

Under the current rules, the account must receive a remittance of at least USD 100 in each of three consecutive months in the Draw Period. If it does not, the Scheme Entries created for that quarter are not entered in that Draw and expire, even if you were told they had been created. The rule applies to the account, not to the sender, so remittances from different senders to the same account all count towards the three months.

No. Money paid out to you in cash at a bank branch, exchange company or agent, even if you have an account, does not qualify. Ask your sender to send the money directly to your bank account or wallet.

No. Roshan Digital Accounts and foreign-currency accounts are outside the Scheme.

Yes, if it is processed by a Participating Bank and credited directly into your eligible account. It does not count if you collect it in cash.

No. Only money that comes through a bank, exchange company or licensed money transfer operator and lands in your bank account or wallet qualifies. Informal channels are also unlawful and unsafe.

A reversed, cancelled, returned or duplicated remittance does not qualify. Any Scheme Entry created for it is cancelled, even if the Draw has already taken place, and any prize selected on it is void.

A Scheme Entry is an electronic entry in the Draw, created automatically every day for each qualifying remittance. It has a unique number and belongs to the account that received the money. A Scheme Entry is provisional until the quarter ends. It goes into the Draw only if your account meets the three-month condition (see Q14). In some material it may be called a ticket; they mean the same thing.

Scheme Entries depend on the value of the remittance in US dollars: below USD 100 earns none; USD 100 to 149 earns one; USD 150 to 249 earns two; USD 250 to 349 earns three; and every further USD 100 earns one more. Amounts are rounded to the nearest USD 100, so USD 149 earns one Scheme Entry and USD 150 earns two.

Examples: USD 120 earns 1 Scheme Entry; USD 200 earns 2; USD 500 earns 5; USD 1,000 earns 10. There is no upper limit.

Your remittance is credited to your account in Pakistani Rupees. 1LINK's system converts the rupee amount to US dollars using the SBP daily exchange rate for the day the transaction is processed. The rate your bank or the sender's service used is not relevant to the Scheme Entry calculation.

No. Scheme Entries have no monetary value, cannot be transferred and cannot be redeemed for anything. They are only a record that your account is in the Draw.

No. More Scheme Entries give more entries in the Draw, but every Draw is random and no account is guaranteed to win.

Your bank or wallet provider will notify you each time Scheme Entries are created for your account, through the channel it normally uses (for example SMS, mobile application or e-mail). A notification that Scheme Entries have been created does not mean they are in the Draw; see Q14. For any question or query about Scheme Entries, contact your bank or wallet provider.

No. Scheme Entries are valid only for the Draw of the quarter in which the remittance was received. After that Draw, they expire.

Once every quarter, ordinarily on the 15th of the month after the quarter ends (or the next working day if the 15th is a holiday). The first Draw is on 15 January 2027 for remittances received from 1 October to 31 December 2026. Later Draws follow in April, July and October 2027.

Through 1LINK's Draw System, which selects winning Scheme Entries using an algorithm-based random process with no manual intervention. The system that creates Scheme Entries and the Draw System are independently audited before launch and periodically afterwards, and each Draw is supervised on behalf of the Steering Committee.

The first prize is drawn from all Scheme Entries in Pakistan, wherever the money came from. The second, third and fourth prizes are drawn separately within five regions, based on the country the remittance was sent from: GCC, United Kingdom, Europe, North America and other countries. Prizes are allocated to the regions as follows:

No. A person (identified by CNIC) can win only one prize in a Draw, however many accounts or banks their Scheme Entries are held across. Once a person is selected, all their other Scheme Entries are excluded from the remaining categories in that Draw. A person who wins stays eligible for later Draws.

Results are announced on the day of the Draw on the 1LINK website, through the Participating Banks and in the media, showing only the winning Scheme Entry number for each prize category, without any winner's name, account number or other personal details. Your identity will not be disclosed unless you give consent. If your account is selected, your own bank will contact you directly through the contact details on your account.

Every quarter: one first prize of PKR 100 million; twenty second prizes of PKR 25 million; one hundred third prizes of PKR 10 million; and 2,400 fourth prizes of PKR 1 million. That is 2,521 winners and PKR 4 billion in prizes every Draw, PKR 16 billion a year.

Yes, only in cash, in Pakistani Rupees, by credit to the winning account. There are no cars, motorcycles, phones or gifts under the Scheme, and no one is authorised to offer them in its name.

Yes. The prize amounts advertised are gross. The bank or wallet provider paying the prize deducts tax at source as required by the Income Tax Ordinance 2001, at the rate that applies to you on the payment date, and credits the net amount to your account. Your bank or wallet provider will give you a certificate of the tax deducted.

Selection in the Draw is provisional. Within [five] working days of the Draw, your bank or wallet provider will contact you to tell you that your account has been selected and what it needs from you. It will then verify the remittance, your identity, your account and your eligibility. Once verification is complete, the prize (after tax) is credited to your account, ordinarily by the [21st] of the month of the Draw.

Please respond promptly to your bank or wallet provider and provide what it asks for, such as a copy of your CNIC or NICOP, a declaration that you are not an ineligible person, and any tax form required. Your bank or wallet provider may ask you to visit a branch.

Your bank or wallet provider will use the contact details on your account and will make repeated documented attempts. If verification cannot be completed within [30] days of the Draw because you have not responded or cannot be reached, and remains incomplete [90] days after the Draw, the prize is forfeited and an alternate winner is selected from the same Draw. Keep your mobile number and address up to date with your bank or wallet provider.

No. The prize is credited only to the account that was selected. If that account has been closed, your bank or wallet provider may, at its discretion and after verification, pay the prize into another account in your sole name with the same provider.

The prize is credited to the joint account and is dealt with under the account's operating instructions, like any other credit. All joint holders must be eligible; if any joint holder is an ineligible person, the account cannot win. How joint holders share the money is a matter between them.

The prize is credited to the minor's account and dealt with by the guardian in accordance with the rules of the account and the law.

The prize is paid to the legal heirs in accordance with the bank's procedures for deceased customers and the law, on production of the documents the bank requires (such as a succession certificate). If the account was a joint account with survivorship instructions, the prize is paid according to those instructions.

The prize is not paid, the selection is void, and an alternate winner is selected by a fresh random draw from the remaining pool of Eligible Scheme Entries for that Draw. You have no claim to a prize that is withheld for this reason.

Do not pay anything and do not share your PIN, password, card details or one-time passcodes with anyone. The Scheme never charges a fee, and your bank or wallet provider will never ask for your PIN or passcode. Genuine contact about a prize comes only from your own bank or wallet provider through its official channels. Report any suspicious call or message to your bank or wallet provider immediately.

Your bank or wallet provider shares the details of remittances credited to your account with 1LINK, as it already does under SBP's remittance reporting arrangements. 1LINK uses that data only to create Scheme Entries, run the Draw and prepare winner and audit reports. If your account is selected, your details are shared with your bank or wallet provider, the bank that reported the remittance, PBA, SBP and the Scheme's independent auditor, for verification and audit only. The data is not used for marketing and is not shared with anyone else.

No. Results are announced without names or account details. Your name, photograph or story will be used only if you separately agree in writing, and you are free to decline without any effect on your prize.

Contact your own bank or wallet provider first, through its call centre, branch, mobile app or complaint channel, quoting your account number and the remittance reference and date. Your bank or wallet provider will acknowledge your complaint within [two] working days and respond within [10] working days. Technical questions about Scheme Entries or the Draw are referred by your bank or wallet provider to 1LINK; you do not need to contact 1LINK yourself.

Ask your bank or wallet provider to escalate the matter to PBA, which may refer it to the Scheme's Steering Committee. You also retain your right to complain to the State Bank of Pakistan through its consumer complaint channel [Sunwai portal] or to the Banking Mohtasib Pakistan.

The Steering Committee may change the rules, prizes or timetable for future quarters, and may suspend or end the Scheme where the law, SBP or the integrity of the Scheme requires. Changes are announced at least [14] days in advance on the official website and by the banks. No change applies to a quarter that has already closed.

The Terms and Conditions, Draw dates and results are published on the 1LINK website (https://1link.net.pk/pasbanrewards) and by each Participating Bank. The list of Participating Banks is on the 1LINK website. If anything in these FAQs differs from the Terms and Conditions, the Terms and Conditions apply.

No. The Scheme rewards the person in Pakistan who receives the money into their bank account or wallet. The Scheme Entries and any prize belong to the receiver, even if the receiver is related to you or you paid for the remittance. The only exception is when you send money to your own Pakistani Rupee account in Pakistan; see Q57.

If you send money the right way, the person you send it to is automatically entered in a quarterly Draw with 2,521 cash prizes, at no cost to either of you. Sending through a bank account or wallet is also safer, faster to trace and fully legal.

Three things: send through a formal channel (a bank, an exchange company or a licensed money transfer operator such as Western Union, MoneyGram, Ria or a bank's own app) processed by a Participating Bank; have the money credited directly into a Pakistani Rupee bank account or wallet in the receiver's own name (which does not itself need to be at a Participating Bank); and make sure the receiver's account details (IBAN or account number, name and bank) are correct.

Money collected in cash, or sent through informal channels not processed by a Participating Bank, earns nothing.

Yes. Each remittance of at least USD 100 (or the equivalent) earns the receiver's account one Scheme Entry, with more Scheme Entries for larger amounts: USD 150 to 249 earns two, USD 250 to 349 earns three, and every further USD 100 earns one more. The receiver's account also needs to receive at least USD 100 in each of three consecutive months in the quarter for the remittances to qualify.

No. Send money as you normally would. Scheme Entries are worked out on the value received, so splitting a transfer does not increase them and only adds cost. Patterns of transactions that appear designed to generate Scheme Entries rather than to send money home may be treated as ineligible and may be reported. Remittances remain subject to the anti-money-laundering and exchange-control laws of Pakistan and of the country you send from.

No. Nothing about the Scheme changes the terms of your bank, wallet provider, exchange company or transfer service, and no fee or deduction is taken from a remittance because of the Scheme. The Scheme Entries are calculated separately by 1LINK using the SBP daily rate; they do not affect the amount your family receives.

The Draw allocates the second, third and fourth prizes among five regions according to the country the money is sent from: the GCC countries, the United Kingdom, Europe, North America and all other countries. The first prize is open to all. The region is taken from the country code your service reports with the transfer.

No. Roshan Digital Accounts and foreign-currency accounts are outside the Scheme. Send to a Pakistani Rupee account in the receiver's name instead.

Yes. If you live or work outside Pakistan and send money to your own Pakistani Rupee account in Pakistan, through a formal channel processed by a Participating Bank, you are the Beneficiary and earn Scheme Entries and can win a prize on the same terms as any other Beneficiary. It makes no difference that you are also the sender. The account must be a local Pakistani Rupee account; a Roshan Digital Account or a foreign-currency account does not qualify (see Q56).

The receiver's bank will contact the receiver directly. Results are published without names. You are welcome to check the published Draw results, but any question about a Scheme Entry or a prize must be raised by the receiver with the receiver's bank.

The details that already accompany your transfer, such as your name, the sending country and the sending institution, are used only to work out the region and to verify winners, and for no other purpose.

No. There is no registration and no fee, ever. Anyone offering to register you, sell you Scheme Entries or release a prize for a payment is attempting a fraud. Do not pay, and report it to your bank, wallet provider or transfer service.

The receiver's bank in Pakistan is the point of contact for the Scheme. The full Terms and Conditions are on the 1LINK website (https://1link.net.pk/pasbanrewards) and are published by each Participating Bank. The list of Participating Banks is on the 1LINK website.