Remittances

Faysal Bank Home Remittance

How to collect a remittance at any branch, track it online, and convert it into an account.

No account needed to collect
700+ branches, 270 cities
Free cash-over-counter payout

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University) · Reviewed: August 21, 2026

You can collect a Faysal Bank home remittance in cash at any branch with just an ID and reference number — no bank account required.

700+ branches across 270 cities support cash-over-counter payout
Free Remittance Tracker tool at digionboard.faysalbank.com
Hamara Pakistan Remittance Account converts a COC payment into a real account instantly
Sohni Dharti Remittance Program rewards senders using formal channels

If someone abroad sent you money through Faysal Bank, you don't need an account to collect it — walk into any Faysal Bank branch with your ID and the transaction reference, and the bank pays you out in cash, free of charge.

How to Collect a Cash-Over-Counter (COC) Remittance

Faysal Bank's home remittance service pays out cash-over-counter (COC) at more than 700 branches across 270 cities, on behalf of its partner exchange houses and money transfer operators worldwide. You do not need to hold a Faysal Bank account to collect a payment sent this way.

How to Collect a Cash-Over-Counter (COC) Remittance
Step	What to do
1. Get the Unique Reference Number	Your sender must give you this along with their own confirmation details — you'll need it to check transaction status and to collect
2. Bring one original ID document	CNIC, NICOP, or another accepted original document
3. Visit any Faysal Bank branch	Collection hours: 9:00 AM – 5:00 PM
4. Collect in cash, free of charge	No fee to the beneficiary for a standard COC payout

If the Unique Reference Number doesn't match in the system, contact your sender to have it corrected — Faysal Bank can't look up a payment without it.

Tracking Your Remittance

Faysal Bank runs a dedicated Remittance Tracker at digionboard.faysalbank.com, letting both sender and beneficiary check a transfer's status online rather than calling the helpline for an update. For phone support, the general helpline (021-111-060-606) also handles remittance queries.

Converting a Remittance Into a Bank Account

If you regularly receive remittances via cash-over-counter, Faysal Bank offers the Islami Hamara Pakistan Remittance Account — a Shariah-compliant Current or Savings account you can open instantly at the branch teller counter with just your CNIC, a valid remittance receipt, and a simple undertaking, no separate documentation trip required. You can choose to convert your existing COC payment, in full or in part, into the new account at the moment you open it. A related Hamara Pakistan Remittance Plus Account is available even if you aren't currently receiving remittances through the OTC channel. Faysal Bank has run limited-time account-opening incentives on this product before (such as a cash credit for opening and depositing a first remittance) — confirm what's currently active directly with the bank, since promotional terms and their expiry dates change.

Faysal Islami Tez Tareen Asaan Remittance Account

A separate current account product designed specifically to receive remittances directly rather than collect them over the counter. It's a remunerative (profit-paying) account, so Zakat applies as per government regulation; local credits other than incoming remittances aren't permitted on this account, and it carries a maximum remittance limit of PKR 3,000,000 with its own daily transaction limits. Opened at any Faysal Bank branch nationwide with a one-page account opening form.

Sohni Dharti Remittance Program (SDRP)

A State Bank of Pakistan loyalty initiative that rewards Pakistanis sending money home through formal, SBP-regulated channels. Remitters earn points on every transfer sent through a participating institution, redeemable at participating Public Sector Entities for free or discounted services, via a dedicated SDRP mobile app (iOS and Android, English and Urdu). Faysal Bank participates as a member of 1LINK and the Pakistan Remittance Initiative (PRI). Roshan Digital Account holders earn points only on the portion of funds consumed locally — not on amounts invested in property, stocks, or National/International Prize Bonds/Certificates.

Frequently Asked Questions

Do I need a Faysal Bank account to collect a remittance?

No. Cash-over-counter remittance payments can be collected at any Faysal Bank branch with one original ID document and the transaction's Unique Reference Number — no account required.

How can I track my Faysal Bank remittance?

Use Faysal Bank's official Remittance Tracker at digionboard.faysalbank.com, or call the helpline at 021-111-060-606 with your Unique Reference Number.

Good For

Collecting a cash-over-counter remittance without opening an account
Tracking a pending remittance online instead of calling
Converting regular remittances into a proper bank account
Understanding the Sohni Dharti loyalty program for remitters

Want the exact terms for your situation?

Speak to Faysal Bank directly — terms, eligibility, and pricing vary by relationship and are confirmed at application.

Visit Faysal Bank Official Website See FABL Bank Profile