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Zindigi - All in One Finance

Zindigi - All in One Finance

Simple Karo!

100 ratings
60 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • January 11, 2022
  • June 30, 2026

Developer

JS Bank Limited
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About

Manage all your finances in one place. Make payments, save, invest, borrow, and even trade stocks. Enjoy a customizable home screen, a unique translucent debit card, and a rewarding loyalty program.

✓All-in-one financial management
✓Customizable home screen shortcuts
✓Translucent Mastercard/PayPak Debit Card
✓Seamless local and international payments
✓Bill payments (electricity, gas, internet, etc.)
✓Stock market and mutual fund investing
✓Instant personal loans up to Rs. 100,000
✓Loyalty program (Z-Miles)
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What users say

Summarized from real user reviews of Zindigi. Based on 100 reviews and a 2.9/5 average, it highlights the 12 positives and 75 negatives reviewers mention most about this Finance app.

Positive things

  • 👍User friendly
  • 🚀Fast transactions
  • 🔒Secure payments
  • 👍Manage money well
  • 👍Smooth and reliable
  • 👍User friendly interface
  • 👍Work very fast
  • 👍Best in all wallets
  • 👍Amazing app
  • 👍Simple and easier
  • 👍Handy application
  • 👍Secure way to save and invest

Negative things

  • 🐛App not updated
  • 🐛Customer service slow
  • 🐛Flaws in app
  • 🐛Contact us not working
  • 🐛Biometrics not updated
  • 🐛Not coordinated
  • 🐛Worst app
  • 🐛Registration errors
  • 🐛No response from support
  • 🐛Useless app
  • 🐛Link is down daily
  • 🐛No reply in chat
  • 🐛Always problems
  • 🐛Unable to login
  • 🐛Poor quality
  • 🐛ATM card not working
  • 🐛Payment transfer failed
  • 🐛App not running on time
  • 🐛Money stuck
  • 🐛No reply from support
  • 🐛Worst customer service
  • 🐛Holding money without reason
  • 🐛Pathetic app
  • 🐛Too many glitches
  • 🐛No way to sort out issues
  • 🐛Fails at transactions
  • 🐛No transaction processing after 10 PM
  • 🐛No response for reverse funding
  • 🐛Zero error handling
  • 🐛Laggy and slow
  • 🐛Numerous bugs
  • 🐛Inexperienced developer feel
  • 🐛Poorly designed UI
  • 🐛Unprofessional support
  • 🐛Slow to respond support
  • 🐛In-app chat slow response
  • 🐛Phone calls long wait
  • 🐛Unavailable support team
  • 🐛Worst UI UX
  • 🐛Bad user experience
  • 🐛Tough to find sections/history
  • 🐛Immature UI UX
  • 🐛App not opening
  • 🐛Buggy app
  • 🐛Crashes sometimes
  • 🐛Stocks stopped working
  • 🐛Issue not resolved for 6 months
  • 🐛Most baddest app
  • 🐛Too many bugs
  • 🐛Transaction failed
  • 🐛Disgusting app
  • 🐛Awful app
  • 🐛Fraudulent NID collection
  • 🐛Unexpected error
  • 🐛Not working
  • 🐛CNIC already registered
  • 🐛OTP not received
  • 🐛PIN not set
  • 🐛Error without reason
  • 🐛Unable to sign up
  • 🐛Device connected to internet error
  • 🐛CNIC scan error
  • 🐛App crashed
  • 🐛Login pin failure
  • 🐛App closes on touch
  • 🐛App not responding
  • 🐛Cannot open after password
  • 🐛Stocks do not work
  • 🐛Pathetic developers
  • 🐛Leggings and bugs
  • 🐛Crushing problems
  • 🐛Can't log in
  • 🐛Unexpected error on login
  • 🐛Unexpected error during signup
  • 🐛CNIC issue date incorrect
See all reviews

What's New in Zindigi

2.0.20

June 30, 2026

What’s New in Zindigi We’ve enhanced your Zindigi experience with improved onboarding, easier account upgrades, smarter verification, exciting rewards, and new digital services. Highlights: * New onboarding journeys for Silver, Gold, Platinum, Merchant, Freelancer, and Minor Accounts. * Simplified account upgrades and improved login experience. * More convenient biometric verification options, including Doorstep BVS. * Enhanced Action Centre for better request tracking and support. * Upgraded Credit Card application journey with improved accessibility and nationwide eligibility. * Introducing Zindigi Score & Leaderboard to track your progress and achievements. * Introducing Z-Miles Loyalty Program to earn and redeem rewards on eligible transactions. * New Quick Topups Mini App for instant gaming vouchers, digital top-ups, and gift cards. Update now to enjoy a smarter, faster, and more rewarding Zindigi experience.

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User reviews

Most RecentHighest RatedLowest Rated

Zindigi

Idk why but I keep trying to open a minor account (under 18) but even though I have tried even though I have tried everything it keeps telling me to scan Nadia smart card
Idk what is the problem but this has to be the worst banking app ever
Muhammad Yahya MalikMuhammad Yahya Malik

Response from developer

We sincerely apologize for the inconvenience and the experience you faced. This is not the experience we aim to provide. Please reach out to us at support@zindigi.pk with your details so our team can look into the issue and assist you accordingly.

Easy to use app

The app is not updated and seems like customers service is very slow. Some flaws in aap , like you keep on clicking and it doesn’t work. Right now I’m receiving messages from the customer service but the contact us is not working and I’m unable to reply. I had done my biometrics verification at the his bank but the digital aap is not updated. They’re not coordinated.
Show more
Aliya AkbarAliya Akbar

Response from developer

Thank you for your positive feedback! We’re glad to hear you’re enjoying the app.✨ If you ever need any assistance or have suggestions, feel free to reach out to us via In-App chat, helpline 051-11155667 or via email at "support@zindigi.pk". We’re here to help! 🙂

Worst

One of the worst app I am trying to register for stocks and it shows an error for the last 3 days I am trying to contact support but no response yet I have emailed them even started in app support chat still no one is responding
28:$,!28:$,!

Response from developer

We’re sorry to hear about your experience and apologize for the inconvenience caused.Kindly reach out to us via In-App chat, helpline 051-11155667 or via email at (support@zindigi.pk) for your concern.Your satisfaction is very important to us.🙂

Useless aap

So ive been using this aap for 6months for stock trading only and every single day their link is down no one reply in chat.. waste of time and effort…
Awasia10Awasia10

Always problems

Why does this app unable to login most of the times??? Seriously very poor quality
Mani23:Mani23:

Response from developer

We’re sorry to hear about your experience and apologize for the inconvenience caused. If the issue persists or you ever need any assistance or have suggestions, feel free to reach out to us via In-App chat, helpline 051-11155667 or via email at (support@zindigi.pk). Your satisfaction is very important to us.🙂

See 55 more reviews

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User experience

🐞

Reported Bugs

45 issues

Unable to open minor account, requires NADRA smart card scan

Bug

App not updated, customer service slow

Bug

Flaws in app, buttons don't work

Bug

Contact us not working, unable to reply

Bug

Digital app not updated with biometrics verification

Bug

Error registering for stocks for 3 days

Bug

Link down daily for stock trading

Bug

Unable to login most of the times

Bug

Payment transfer not happening

Bug

App not running on time

Bug

Money stuck

Bug

Holding 30000 PKR without reason

Bug

Too many glitches, no way to sort out

Bug

Fails at transactions, no processing after 10 PM

Bug

No response for reverse funding

Bug

ATM card not working

Bug

App won't work when trying to login

Bug

ATM gives error

Bug

Transaction shows error after loading

Bug

App not opening, buggy

Bug

Crashes sometimes, stocks stopped working

Bug

Money didn't come out of ATM, deducted from account

Bug

No response from call center

Bug

App keeps closing

Bug

International transactions not possible

Bug

App closes when activating card

Bug

Card section shows card not activated

Bug

Login pin failure, application closes

Bug

App not responding, cannot open after password

Bug

Unable to register on stocks

Bug

Error during signup

Bug

App crashed

Bug

Unable to enter login pin

Bug

Stocks do not work

Bug

Login issues

Bug

Unexpected error during login

Bug

Unexpected error during signup

Bug

CNIC issue date incorrect

Bug

Unable to sign up, device connected to internet error

Bug

CNIC scan error

Bug

OTP not received

Bug

PIN not set

Bug

Error without reason

Bug

CNIC already registered with unknown mobile number

Bug

Not working, OTP delayed, PIN error

Bug
✨

Requested Features

4 requests

Support NFC in Apple Pay

Feature

Improve UI/UX

Feature

Make stock investing easier

Feature

Allow messaging with 'maybe' option

Feature

FAQ

What can I do with the Zindigi app?

Zindigi is an all-in-one finance app that allows you to make payments, spend, save, invest, and borrow money. You can also make local and international payments, pay bills, book tickets, trade stocks, and access instant loans.

How do I order the Zindigi debit card?

You can order the Zindigi translucent Mastercard/PayPak Debit Card directly from the Zindigi app. This card allows for local and international payments with low international transaction fees.

Is Zindigi free to use?

Based on the provided information, the app is free to use. There are no mentions of subscription fees or upfront costs for downloading and using the core features of the app.

What are the eligibility requirements for a personal loan?

Personal loans are available to Pakistani citizens within the territory of Pakistan. You can get instant loans up to Rs. 100,000 without any documentation.

Can I use Zindigi if I am under 18?

Yes, Zindigi offers a Gen Z account for users under 18. This allows younger users to sign up and enjoy financial freedom with features like a debit card, bill payments, and the Z-Miles loyalty program.