How tokens are calculated
Each qualifying remittance earns tokens based on its value in US dollars: one token per USD 100, rounded to the nearest USD 100. A single remittance can earn many tokens, and there is no cap per account.
| Value of one remittance (USD equivalent) | Tokens | Example |
|---|---|---|
| Below USD 100 | 0 | USD 95 earns nothing |
| USD 100 – 149 | 1 | USD 120 earns 1 |
| USD 150 – 249 | 2 | USD 200 earns 2 |
| USD 250 – 349 | 3 | USD 260 earns 3 |
| USD 350 – 449 | 4 | USD 400 earns 4 |
| Each further USD 100 | +1 | USD 1,000 earns 10 |
Worked example
Ayesha in Lahore receives three transfers from her brother in Dubai into her personal account at a participating bank:
| Month | Remittance (USD equiv.) | Tokens |
|---|---|---|
| October 2026 | 120 | 1 |
| November 2026 | 260 | 3 |
| December 2026 | 1,000 | 10 |
| Quarter total | 1,380 | 14 |
If November’s transfer had been USD 90 instead, the account would have missed the monthly threshold and earned no tokens for the quarter. (Illustrative example; names are fictional.)
Currency conversion
Remittances arrive in rupees. For the USD 100 test and token count, the value is converted into US dollars using the SBP daily exchange rate for the date the transaction is processed. Because senders’ providers apply their own fees and exchange rates, an amount that is “about USD 100” when sent can be credited as slightly less. Senders who want to be sure should allow a margin.
Tokens are tied to the account and the quarter
- Each token has a unique number and belongs to the account that received the remittance — not to the sender, and not to the beneficiary’s other accounts.
- Tokens cannot be transferred, sold or exchanged and have no cash value.
- Tokens count only for the draw of the quarter in which the remittance was received. Unselected tokens expire.
- Tokens created by error, duplicate processing, reversed transactions or fraud can be cancelled, even after a draw.
How you find out about tokens
According to the terms, your bank tells you about tokens created for your account through its usual channel — SMS, mobile app, email or statement. 1LINK’s system holds the authoritative record. If you believe a token is missing for a qualifying remittance, raise it with your bank promptly, within the quarter or shortly after it ends.
How the draw works
- Pool closes at the end of the quarter.
- First prize is drawn from all valid tokens, regardless of country of origin.
- 2nd, 3rd and 4th prizes are drawn separately within five regions — GCC, UK, Europe, North America and other countries — based on where the remittance was sent from. See regional allocation.
- One prize per account per draw. Once an account is selected, its other tokens drop out of that draw.
- Selection is automated on 1LINK’s audited system using random, algorithm-based selection without manual intervention.
- Results are announced on the draw day without names or account details.
- Verification by the winner’s bank comes before any payment.
Important caution about “structuring”
The official terms state that the scheme is not a reason to split or time remittances in a particular way, and patterns that appear designed to generate tokens rather than to send money home may be treated as ineligible and reported. Send money as your family genuinely needs it.
Always check the latest official terms before relying on this information. Rules can change; the official Terms & Conditions prevail over any summary, including ours.