How to Open a UPaisa Account

How to Open UPaisa Account (2026 Guide)

UPaisa is Ufone’s branchless banking service, run jointly with U Microfinance Bank (UBank). With a UPaisa wallet, you can transfer money, pay utility bills, buy mobile load, and withdraw cash — all without visiting a bank branch. Here’s exactly how to open one, using the current official process.

What You Need

  • A valid original CNIC
  • A Ufone SIM registered under the same CNIC

How to Open a UPaisa Account

There are two ways to open your wallet:

Method 1: Dial the Code

  1. Dial *786# from your Ufone number
  2. Follow the on-screen menu to register your wallet
  3. Visit your nearest Ufone franchise, service centre, or UPaisa retailer with your original CNIC to complete biometric verification
  4. Once verified, you’ll receive a confirmation SMS and can set your MPIN

Method 2: Use the UPaisa App

  1. Download the UPaisa app from the Google Play Store or Apple App Store
  2. Open the app and enter your Ufone number and CNIC details
  3. Complete biometric verification at a nearby franchise or UBank branch (required by regulation for all new wallets)
  4. Set your MPIN once verified

Note: biometric verification at an authorized location is a mandatory regulatory requirement for opening any branchless banking wallet in Pakistan — this step can’t be skipped, regardless of which method you use to start.

What You Can Do With UPaisa

  • Send and receive money to any UPaisa wallet, bank account, or CNIC
  • Pay electricity, gas, water, internet, and PTCL bills
  • Buy mobile load or Super Card bundles on any network
  • Pay via QR code at Mastercard-enabled merchants
  • Request a UPaisa Mastercard debit card for ATM withdrawals

UPaisa Helpline

For any account issues, call 7777 from your Ufone number, or 051-111-282-265 from any other number.

Frequently Asked Questions

Do I need a smartphone to open a UPaisa account?

No — dialing *786# works on any phone, including basic handsets. The app is only needed if you prefer registering that way.

Can I open a UPaisa account without a Ufone SIM?

No, a UPaisa wallet requires an active Ufone SIM registered in your name, matching your CNIC.

Is there a fee to open a UPaisa account?

No, opening a UPaisa wallet is free.

What happens if my account is inactive for a long time?

Per UPaisa’s official terms, a wallet becomes dormant after a year of no transactions. Call 7777 or 051-111-282-265 to reactivate it.

Can I have more than one UPaisa account?

No — only one UPaisa wallet is allowed per CNIC.

Related: Ufone Call Packages | Ufone Internet Packages

Similar Posts