
Qualifying is mostly about getting the basics right every month. Here is a checklist for both ends of the transfer.
Checklist for the family in Pakistan
- Have a personal account at a participating bank. Check the list of 26 banks. A participating wallet also works.
- Use a rupee account. Roshan Digital Accounts and foreign-currency accounts are excluded.
- Don’t collect cash. Ask the sender to choose account credit, not cash pickup.
- Use one account consistently. Each account is assessed separately.
- Keep contact details updated with your bank — that is how winners are reached.
Checklist for the sender abroad
- Send through a formal channel — a bank, exchange company or licensed money transfer operator.
- Send at least USD 100 equivalent every month of the quarter. Allow a margin for fees and exchange rates.
- Send in time for the money to be processed within the intended month.
- Use the correct account details of an individual, not a business.
The most common reasons a family misses out
- One month in the quarter fell below USD 100, or was skipped.
- The money was collected in cash at a branch or agent.
- The remittance went to an RDA, foreign-currency or company account.
- The receiving bank is not participating.
- Transfers were split between different family accounts.
Try our eligibility self-check to test a quarter’s pattern.
Always check the latest official terms before relying on this information. Rules can change; the official Terms & Conditions prevail over any summary, including ours.


