JazzCash and Easypaisa Tax Deduction in Pakistan: 0.8% Non-Filer Withdrawal Tax, Profit Tax and Every Other Cut (2026)

Three taxes can come out of a JazzCash or Easypaisa wallet: 0.8 per cent on cash withdrawals above Rs 50,000 in a day if you are not on the Active Taxpayers List, 20 per cent (40 per cent for non-filers) on savings profit, and 15 per cent advance tax on mobile load. On top of these, sales tax or FED is added to many service fees. Filers avoid the 0.8 per cent completely and pay half the profit tax.

People notice these cuts as odd small debits and assume the wallet is overcharging. Usually it is the law. We read the FBR withholding tax rate card for tax year 2027, updated to 30 June 2026, and the October to December 2026 schedules of charges from JazzCash, Easypaisa and UPaisa on 31 October 2026. Below is each tax, who pays it, a worked example, and how to stop paying the non-filer rate.

Non-filers lose 0.8% on cash withdrawals over Rs 50,000 a day

Section 231AB of the Income Tax Ordinance makes banks deduct 0.8 per cent from cash withdrawals by anyone not on the Active Taxpayers List, once the day's total passes Rs 50,000. Easypaisa's schedule states it plainly. Filers on the list pay nothing under this section.

Easypaisa's October to December 2026 schedule says the 0.8 per cent "applies to non-filer customers withdrawing over Rs. 50,000 in a day, calculated on the full daily withdrawal amount across Retail and ATM". It adds: "This is a statutory tax, not an easypaisa service fee." Retail here means cash out at an agent.

So the tax is worked out on the whole day, not just the part above Rs 50,000. Take a non-filer who withdraws Rs 30,000 at an agent in the morning and Rs 30,000 from an ATM in the evening. The day's total is Rs 60,000, so the tax is Rs 480. Split that across two days, Rs 30,000 each, and no tax applies. That arithmetic is ours, from Easypaisa's wording.

UPaisa's schedule says withholding tax for non-filers is "charged in addition to above charges" at the government's rates. JazzCash's schedule does not print a withholding line. The law applies to every banking company, and JazzCash is run by Mobilink Microfinance Bank, but we could not confirm on JazzCash's own pages how it applies the tax. The bank account version of this rule is in our page on the 0.8 per cent cash withdrawal tax for non-filers.

Savings profit loses 20%, or 40% for a non-filer

The FBR rate card sets withholding at 20 per cent for filers and 40 per cent for non-filers on profit paid by a banking company or financial institution on an account or deposit. That covers interest-style returns on wallet savings, such as savings plans and term deposits, because both wallets are run by banks.

The advertised rate on a savings plan is the gross figure, before tax. If a plan pays you Rs 1,000 of profit, a filer receives about Rs 800 and a non-filer about Rs 600. Those figures are our arithmetic from the rate card. Neither wallet's schedule shows the tax line itself, so check the profit credit in your history to see what was taken.

Compare plans after tax, not before. A non-filer earning a headline 13 per cent keeps roughly 7.8 per cent. The rates on offer are in our pages on Easypaisa term deposit rates and JazzCash savings options.

Every tax a wallet can deduct, in one table

Here is each deduction with its rate for filers and non-filers. The first three are income tax under the Ordinance, and the withdrawal and load taxes are advance tax you can adjust in your return. The last row is indirect tax on the service fee itself, which nobody gets back.

The mobile load tax is charged on the load itself, not by the wallet, so you pay it whether you recharge by card, at a shop or through JazzCash or Easypaisa. Our page on mobile load tax shows how much of a Rs 100 load reaches your balance.

The fee taxes differ by wallet. JazzCash prints most fees excluding tax, and its cash-in fee is 0.5 per cent exclusive of FED. Easypaisa says provincial sales tax, FED and income tax are recovered on top of its listed fees. UPaisa says its fees already include FED, except on bank transfers. JazzCash also notes that its lending and insurance products are exempt from tax.

Get on the Active Taxpayers List to stop the non-filer rates

The 0.8 per cent and the doubled profit tax apply only because your name is missing from FBR's Active Taxpayers List. File your income tax return, get onto the list, and the wallet's system should apply filer rates from its next check. Late filers can join the list by paying a surcharge.

1. Check whether your CNIC is on the Active Taxpayers List.
2. If not, file your income tax return on FBR's IRIS portal.
3. Pay the late filing surcharge if FBR asks for it.
4. Wait for the next list update, then check again.
5. Keep wallet withdrawals under Rs 50,000 a day until your status changes.

The check takes a minute and is explained in our page on checking your filer status. Becoming a filer also halves the tax on bank profit, cuts property and vehicle taxes, and lowers dozens of other rates.

Claim the deducted tax back in your return

Tax under section 231AB is advance adjustable tax, which means it counts towards your final income tax. List it in your return and it reduces what you owe. To claim it, you need the amount and a certificate or statement from the bank that deducted it.

We could not find a published process on any of the three wallets' sites for getting a withholding tax certificate. Call the helpline (4444 for JazzCash from a Jazz number, 3737 for Easypaisa from Telenor) and ask for a tax deduction certificate for the tax year. Your transaction history also shows each deduction with a date.

Profit tax works the same way for a filer. Whether it is final or adjustable depends on your overall income, and we do not give an answer for every case here.

Common questions

Does JazzCash deduct tax on cash withdrawal?

The law requires every banking company to deduct 0.8 per cent from non-filers who withdraw more than Rs 50,000 cash in a day. JazzCash's schedule does not print the tax line, and we could not confirm on its site how it is applied.

Is there tax on receiving money in Easypaisa?

No tax applies to an incoming transfer in any of the three schedules we read. Easypaisa lists money coming in from other banks as free.

Why did Easypaisa cut money when I withdrew Rs 60,000?

If you are not on the Active Taxpayers List, the 0.8 per cent tax applies to the whole Rs 60,000, which is Rs 480, on top of the agent or ATM fee.

Do filers pay any tax on wallet withdrawals?

No. The FBR rate card shows no 231AB rate for people on the Active Taxpayers List. Filers still pay the normal service fees and the tax added to them.

Is the tax on savings profit the same for JazzCash and banks?

Yes. The rate card applies the same 20 per cent and 40 per cent to profit paid by any banking company or financial institution, and both wallets are run by microfinance banks.

How we verified this

What we checked, where we read it, and what we could not confirm.

We read the FBR withholding tax rate card for tax year 2027, updated to 30 June 2026, the Easypaisa schedule of charges for October to December 2026, the JazzCash schedule for 1 October to 31 December 2026 and UPaisa's fourth quarter 2026 schedule on 31 October 2026. We did not withdraw cash or see a profit credit, so we have not seen how each wallet shows the tax, and we found no published certificate process.