SBP Pasban Remittance Reward Scheme 2026: Eligibility, Prizes and What You Actually Need to Do

Quick answer: The SBP Pasban Remittance Reward Scheme is a bank-funded prize draw for people in Pakistan who receive home remittances through bank accounts. From 1 October 2026, accounts receiving at least USD 100 equivalent every month for three consecutive months in a quarter enter automatically. Each quarter has 2,521 prizes worth Rs4 billion; the first draw is on 15 January 2027. There is no registration and no application form.

اگر آپ کے خاندان کا کوئی فرد بیرونِ ملک کام کرتا ہے اور گھر پیسے بھیجتا ہے، تو غالباً آپ نے 16 ارب روپے کے انعامات سے متعلق خبر دیکھی ہوگی اور سوچا ہوگا کہ کیا اس کے لیے آپ کو کہیں رجسٹریشن کروانے کی ضرورت ہے۔ زیادہ تر لوگوں کے لیے اس کا سادہ اور سچا جواب یہ ہے: نہیں۔ اہم بات یہ ہے کہ رقم آپ تک کیسے پہنچتی ہے اور آیا یہ ہر ماہ موصول ہوتی ہے۔

یہ رہنمائی نامہ ان اعلانات کا احاطہ کرتا ہے جو اسٹیٹ بینک آف پاکستان (SBP) اور پاکستان بینکس ایسوسی ایشن (PBA) نے کیے ہیں، نیز ان باتوں کا بھی ذکر کرتا ہے جو ابھی تک نہیں بتائی گئیں، اور ساتھ ہی ان عملی اقدامات کی نشاندہی کرتا ہے جو اس وقت اٹھائے جانے چاہئیں۔

What Is the Pasban Remittance Reward Scheme?

پاسبان ان لوگوں کے لیے ہر تین ماہ بعد انعام دینے کا ایک پروگرام ہے جو بینکنگ سسٹم کے ذریعے بیرونِ ملک سے گھر بھیجی گئی رقم وصول کرتے ہیں۔ اسے SBP کے گورنر جمیل احمد نے PBA کی قیادت کے ساتھ مل کر شروع کیا تھا، اور یہ PBA کے تحت چلایا جاتا ہے۔ بینک اس پروگرام کا خرچ اٹھاتے ہیں، اس لیے اس پر حکومت کے خزانے سے پیسے خرچ نہیں ہوتے۔

آسان الفاظ میں: اگر بیرونِ ملک سے رقم باقاعدگی سے آپ کے بینک اکاؤنٹ میں آتی ہے، تو آپ کے اکاؤنٹ کو نقد انعام کی قرعہ اندازی میں شامل ہونے کے مواقع ملتے ہیں۔ SBP کے مطابق، یہ پرانی انعامی اسکیموں کی جگہ ایک ایسا طریقہ ہے جو بینکوں کے تعاون سے چلتا ہے اور جس کے لیے حکومت سے پیسے نہیں لیے جاتے۔ ProPakistani کے مطابق، یہ سوہنی دھرتی اسکیم کی جگہ لے رہا ہے۔ اے آر وائی نیوز کی رپورٹ میں اس بات کا ذکر نہیں ہے، اس لیے اسے ایک خبر رساں ادارے کی رائے سمجھیں۔

Pasban Scheme at a Glance

Do You Need to Register? Is There a Last Date?

No registration is needed. Entry is automatic once your bank account meets the remittance condition. There is no form to fill, no portal to join, and no application to submit.

No last date has been announced. This is an ongoing scheme with a draw each quarter, so there is no single closing deadline. The dates that do exist are the start date (1 October 2026) and the first draw date (15 January 2027).

Good to know: Participation is completely free. According to the launch briefing, no bank will charge a fee or ask for a payment, ticket purchase, minimum balance or any other condition. Anyone who asks for money to 'activate' your entry is not part of this scheme.

Who Is Eligible?

The rule, as reported at the launch, has three parts:

1. The money must be a home remittance received into a bank account in Pakistan.
2. Each month's remittances must be worth at least USD 100 (or equivalent).
3. That must happen in three consecutive months within a quarter, which in practice means every month of the quarter.

The first qualifying quarter is October to December 2026. Remittances received between July and September 2026 don't count, because the scheme only took effect on 1 October.

How entries work

Each qualifying transfer gets one digital, non-transferable entry number. Larger transfers earn an extra entry for each additional USD 100. The table below shows how that is likely to work. It is an illustration based on the launch explanation, not an official calculator.

The sources we reviewed don't explain how several smaller transfers in the same month are counted. Ask your bank before you assume anything.

What hasn't been clarified

The public reports do not say whether transfers through exchange companies, or into other account types, qualify. They speak about bank accounts and banking channels. Until the official scheme page or your bank confirms otherwise, don't assume.

Prizes and Draw Schedule

Prize tiers

Quarterly versus annual

The Rs16 billion figure in headlines is the yearly total. A single draw carries Rs4 billion. Some reports have loosely referred to 'over 10,000 winners', which is also an annual figure.

Regional allocation

To spread prizes across the world's remittance corridors, they will be allocated by the region the money came from. The first prize is open to everyone, regardless of region.

Timeline

Draw dates after January 2027 have not been published in the sources we checked. Results will be announced on the scheme's dedicated web page and on the websites and social media pages of banks and PBA.

Why Did SBP Launch Pasban?

ترسیلاتِ زر پاکستان کے لیے غیر ملکی کرنسی حاصل کرنے کے سب سے بڑے ذرائع میں سے ایک بن گئی ہیں۔ اسٹیٹ بینک کے گورنر نے کہا کہ بیرونِ ملک کام کرنے والے پاکستانیوں کی بھیجی گئی رقم مالی سال 2026 میں ریکارڈ 41.6 بلین امریکی ڈالر تک پہنچ گئی، جبکہ مالی سال 2019 میں یہ رقم 21.7 بلین امریکی ڈالر تھی۔ مالی سال 2027 میں یہ رقم 44 بلین امریکی ڈالر سے زیادہ ہونے کی امید ہے۔ 18 ستمبر 2026 کو اسٹیٹ بینک کے پاس غیر ملکی کرنسی کے ذخائر 21.4 بلین امریکی ڈالر تھے۔

گزشتہ کئی سالوں میں، حکومت کی مدد سے چلنے والی انعامی اسکیموں نے زیادہ بینکوں کو بیرونِ ملک سے رقم وصول کرنے کے کام میں شامل ہونے میں مدد دی اور رقم بھیجنے اور وصول کرنے کا نظام بہتر بنایا۔ جیسے جیسے یہ کام بڑھا اور اخراجات میں اضافہ ہوا، حکومت اور اسٹیٹ بینک آہستہ آہستہ ایسے طریقے کی طرف بڑھے جس کا خرچ بینک خود اٹھاتے ہیں۔ پاسبان اس سلسلے کا تازہ ترین قدم ہے۔ پی بی اے کے مطابق، یہ اسکیم بینکوں کی مدد سے چلتی ہے اور جولائی 2026 سے بینک اس کے اخراجات خود اٹھا رہے ہیں۔ اس طرح بینکوں کی جانب سے اس کام کے لیے ہر سال دی جانے والی رقم تقریباً 100 بلین روپے تک پہنچ گئی ہے۔

How Overseas Pakistanis and Their Families Can Benefit

If you are the one sending money:

• Send through a bank so the money lands in a bank account in Pakistan.
• Try to send at least USD 100 equivalent every single month, not just in busy months.
• Keep your transfer receipts. They are useful if a bank query comes up later.

If you are the one receiving money:

• Check that the receiving account is a bank account in the right person's name.
• Ask your bank how it will track qualifying remittances and entries.
• Watch the official PBA and bank channels around the draw date, not WhatsApp forwards.

Looking for work abroad yourself? Browse our overseas jobs and study and work abroad pages.

Common Mistakes to Avoid

• Looking for a registration link. There isn't one, and fake ones are likely to appear.
• Missing one month. As the rule is reported, a gap in a quarter can cost you that quarter's entry.
• Sending below the threshold. Two transfers of USD 60 are not the same as one of USD 100 unless your bank confirms how it counts them.
• Using informal channels. Cash handed over by a courier never touches your bank account, so it can't generate an entry.
• Assuming old rules still apply. Pasban is a new scheme with its own conditions.

Scam Warning

Warning: Scammers follow every cash-prize announcement. Pasban is free. No bank is allowed to ask for a fee, a ticket purchase or a minimum balance. Don't share your PIN, OTP or card details with anyone who calls or messages about 'claiming' a Pasban prize. Check results only on the official scheme page, your bank's website and verified PBA channels.

Pro Tips

• Set a standing monthly transfer. Consistency matters more than size once you are above USD 100.
• Ask about entry statements. Some banks may share how many entries your account earned. Ask your branch.
• Plan for the quarter, not the month. Treat 1 October to 31 December as one block and keep every month covered.
• Don't count on winning. The odds haven't been published. Treat any prize as a bonus, not as income.

Pros and Cons

Key Takeaways

• Pasban is automatic. No registration, no form, no announced last date.
• It took effect on 1 October 2026. The first draw is on 15 January 2027.
• Each quarter: 2,521 prizes, Rs4 billion, top prize Rs100 million.
• Each month needs at least USD 100 equivalent for three consecutive months in the quarter.
• Participation is free. Anyone asking for money is a scam.

About CareersOz

CareersOz is a career and opportunities platform for Pakistani students, graduates and professionals. We publish verified, source-checked information on jobs, scholarships, internships and government schemes, with clear deadlines and links to official sources. Beyond news like Pasban, you can build a CV with our free CV Maker, get feedback from the CV Analyzer, or track closing dates on the deadline calendar. Our editorial policy, sources policy and fact-checking policy are public. Always confirm scheme details on the official source before you act.

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Conclusion

Pasban asks very little of most families: keep money moving through your bank, every month, at or above USD 100 equivalent. There is nothing to register and nothing to pay. Treat the prizes as a possible bonus, keep an eye on official channels around 15 January 2027, and ignore anyone who says you must act or pay to be included. We will update this guide when SBP, PBA or banks publish further details. To get new scheme updates and deadlines weekly, subscribe to the CareersOz newsletter on our homepage.

Sources

• ARY News: SBP launches Pasban remittance reward scheme with Rs16 billion in annual prizes (26 September 2026)
• ProPakistani: SBP Unveils Remittance Reward Scheme With Rs. 16 Billion Cash Prize (25 September 2026)
• State Bank of Pakistan and Pakistan Banks Association: check for the official scheme page