The conditions, one by one
1. The USD 100 monthly threshold
Each month of the quarter, the account must receive a remittance worth at least USD 100. Remittances in other currencies are converted at the SBP daily exchange rate on the date the transaction is processed. There is no upper limit.
The official terms and the SBP announcement refer to a remittance transaction of USD 100 or more. It is not clearly stated whether several smaller transfers in one month can be added together, so the safest reading is that at least one transfer of USD 100+ should arrive each month. Ask your bank if you are unsure.
2. Three consecutive months, inside the quarter
Quarters follow Pakistan’s financial year: July–September, October–December, January–March and April–June. Because each quarter has exactly three months, in practice the account needs a qualifying remittance in every month of the quarter. Missing one month means no tokens for that quarter — but the next quarter starts fresh.
3. The qualifying quarter
The first qualifying quarter runs from 1 October to 31 December 2026. Remittances received before 1 October 2026 do not count. See draw dates.
4. Beneficiary- and account-based participation
Eligibility belongs to the account that receives the money, not to a person in general. If someone holds accounts at two banks, each is assessed separately; tokens stay with the account that earned them. Splitting remittances between accounts can therefore mean none of them meets the monthly rule.
5. Formal banking channels
The remittance must come from abroad through a bank, exchange company or licensed money transfer operator and be credited directly into an eligible account in rupees.
6. Automatic participation, no fee, no ticket
There is no registration, application or form. There is no fee, no ticket to buy, no deposit and no minimum balance. Tokens are created automatically from the data your bank reports.
What counts as a qualifying remittance?
The scheme is intended for genuine home remittances — money sent by an individual abroad to an individual in Pakistan — received through formal channels and subject to the official scheme rules.
- Cash-over-the-counter transactions are excluded, even if you hold an account.
- Roshan Digital Account inflows are excluded, as are credits to any foreign-currency account.
- Company accounts are not eligible — only personal accounts of individuals (single or joint). Firm, trust and association accounts are also excluded.
- Transfers between your own accounts, and payments for goods, services, trade, property or investment, are not home remittances.
- Remittances credited to a bank that is not a participating bank earn nothing.
- Reversed, cancelled, returned, duplicated or fraudulent transactions are excluded.
Other exclusions may apply under the official terms. Your bank decides how each transaction is classified.
What counts as an eligible account?
- A Pakistani-rupee account in an individual’s name at a participating bank
- A joint account of individuals (all joint holders must be eligible persons)
- A branchless-banking wallet or microfinance bank account, if that institution participates
- The account must be open, active and not frozen, blocked, dormant or under legal attachment
Who cannot win
Directors, officers and employees of PBA, 1LINK, SBP and participating banks (permanent, contractual or seconded), and people directly involved in designing, operating or auditing the scheme. The published terms also list related family members in some cases.
Special situations
- Minors: if the account holder is under 18, a prize is paid into the account and handled by the guardian under the account rules.
- Opting out: you can tell your bank you do not want to take part; it applies from the next quarter.
- Bank leaves the scheme: accounts stop earning tokens from the announced date; prizes already won remain payable.
Always check the latest official terms before relying on this information. Rules can change; the official Terms & Conditions prevail over any summary, including ours.