Jawad Hamdani

Millions of Pakistanis, especially outside major cities, do their entire banking through a basic keypad phone with no internet and it works genuinely well when you know the right code. This guide breaks down exactly how USSD and SMS banking work in Pakistan, from JazzCash and Easypaisa’s *786# menus to the one confirmed bank-direct USSD service (Askari Bank via Ufone), plus the single safety rule that prevents the most common type of fraud targeting non-smartphone users.