# Zindigi - All in One Finance — Simple Karo!

> All-in-one digital finance app for payments, savings, investments, and loans. (iPhone/iPad app by JS Bank Limited.)

- Source: https://appshunter.io/ios/app/zindigi-all-in-one-finance/id1592606621 (this page in markdown: same URL + `.md`)
- Developer: [JS Bank Limited](https://appshunter.io/developer/1369107114)
- Category: Finance
- Price: Free
- Rating: 2.90/5 from 104 App Store ratings · 61 written reviews indexed
- Age rating: 12+
- Requires: iOS 13.0 · 283 MB
- Languages: American English, Arabic
- Released: 2022-01-11
- Data updated: 2026-09-01
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/zindigi-all-in-one-finance/id1592606621/reviews.md

## What is Zindigi?

Welcome to Zindigi - your all-in-one solution for simplifying all your financial needs. Make payments, spend save invest and borrow money within some app and in-store spending to access to trading and free international payments, Zindigi empowers you to do it all.

Open your Zindigi account in minutes today and unlock a world of seamless financial management at your fingertips.

Customize your home screen with shortcuts of your own choice. Now add up to 8 shortcuts of your favorite activity to your home screen for quick navigation.

Translucent Debit card:
Order our cool translucent Mastercard/PayPak Debit Card directly from Zindigi and make local and international payments with the lowest international transaction fees(only at 1%)

Make seamless payments:
Send Money to any bank account, CNIC, mobile number, Zindigi - Zindigi to your friends and family securely and share receipts instantly from within the app.
Pay your bills on time without standing in lines. In simple 3 steps, you can clear your bills online for electricity, gas, telephone, internet, water, government fees and more.
Book your airline, bus, or cinema tickets with Zindigi app or buy vouchers for Netflix, Amazon or Fortnite, PUBG, FREEFIRE, PlayStation, XBOX etc.

Invest, Save, and lend:
Seamlessly open your stock market and mutual funds account in just a few simple steps and begin earning profits right away. With Zindigi, you have the flexibility to buy and sell stocks, monitor market performance, and grow your money.
Save with mutual funds at your convenience, with funds deposited directly into your Zindigi account, save, and grow your money through mutual funds.
Need instant cash? With our Advance Cash get instant loans up to Rs. 100,000 without any documentation. So, what are you waiting for?
Personal Loans are only available to Pakistan Citizens in the territory of Pakistan
Terms & Conditions: https://zindigi.appinsnap.com/pages/Advance-Cash-Terms-&-Conditions.html

Funding your Zindigi Account is SIMPLE:
You don’t have to worry about topping up your Zindigi account anymore, just pull funds from any debit card or transfer from any bank account easily to get started. Its that easy!

Z-Miles Your Loyalty Program:
For Zindigi, loyalty matters! The Z-Miles program brings this statement to life. With Z-Miles we promise you rewards that have no end. The more you engage with Zindigi and spend on the app, we will give out loyalty points which you can redeem for vouchers and enjoy discounts on Bill Payments and much more!

Gen Z (Under 18 Account)
You are under 18? No issues, now you can sign up and enjoy financial freedom with Zindigi and enjoy features like Debit Card, Bill payments, Z-Miles and much more! The whole financial world in the palm of your hands

Gifting has never been this easier:
Send personalized gifts or send requests for money to your friends and family.

Stay in control of your App security:
Apply additional security layers of SMS/email OTP and biometric verification over and above PIN code by simply changing the security settings in the App. Manage your cards by setting spending limits, block/unblock it right from the app.
Experience the convenience of instant spending notifications, effortless cash flows, stress-free travelling with real-time support from Zindigi's In-App chat.

More than an App, it’s a lifestyle:
Use Zindigi for travel, cinema, and hotel bookings, buy e-vouchers & insurance, pay bills, take loans, invest and secure your savings through one single app.

Download now and Zindigi se Zindagi ko Simple Karo!
For any queries, contact us at: support@zindigi.pk Helpline: (021) 111-556-677

## Key features

- 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)

## What do users think of Zindigi?

Overall sentiment: negative

**Pros**

- 👍 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

**Cons**

- 🐛 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

**Commonly reported bugs**

- Unable to open minor account, requires NADRA smart card scan
- App not updated, customer service slow
- Flaws in app, buttons don't work
- Contact us not working, unable to reply
- Digital app not updated with biometrics verification
- Error registering for stocks for 3 days
- Link down daily for stock trading
- Unable to login most of the times
- Payment transfer not happening
- App not running on time
- Money stuck
- Holding 30000 PKR without reason
- Too many glitches, no way to sort out
- Fails at transactions, no processing after 10 PM
- No response for reverse funding
- ATM card not working
- App won't work when trying to login
- ATM gives error
- Transaction shows error after loading
- App not opening, buggy
- Crashes sometimes, stocks stopped working
- Money didn't come out of ATM, deducted from account
- No response from call center
- App keeps closing
- International transactions not possible
- App closes when activating card
- Card section shows card not activated
- Login pin failure, application closes
- App not responding, cannot open after password
- Unable to register on stocks
- Error during signup
- App crashed
- Unable to enter login pin
- Stocks do not work
- Login issues
- Unexpected error during login
- Unexpected error during signup
- CNIC issue date incorrect
- Unable to sign up, device connected to internet error
- CNIC scan error
- OTP not received
- PIN not set
- Error without reason
- CNIC already registered with unknown mobile number
- Not working, OTP delayed, PIN error

**Most requested features**

- Support NFC in Apple Pay
- Improve UI/UX
- Make stock investing easier
- Allow messaging with 'maybe' option

## Recent user reviews (10 of 61)

All indexed reviews: https://appshunter.io/ios/app/zindigi-all-in-one-finance/id1592606621/reviews.md

### 1/5 — Worst Support and lack knowledge

*2026-08-20*

I had a very bad experience using Zindagi. Their support is dumb and don’t respond in days and if they respond they will take weeks to figure out what is your query. Most of their support doesn’t know about freelancing and lack basic banking knowledge. Most important on every incoming transaction they will ask to provide proof of payment which is ridiculous. Like every time.

### 1/5 — Zindigi

*2026-03-26*

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

**Developer response:** 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.

### 2/5 — Easy to use app

*2025-11-20*

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.

**Developer response:** 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! 🙂

### 1/5 — Worst

*2025-10-09*

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

**Developer response:** 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.🙂

### 1/5 — Useless aap

*2025-10-06, version 2.0.13*

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…

### 1/5 — Always problems

*2025-10-04*

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

**Developer response:** 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.🙂

### 5/5 — Easy to use app

*2025-09-23*

It’s one of the most digital mobile banking app that I have come across. You can be relaxed as your cash is in safe hands. Keep it up zindagi!!!
Just one draw back, the atm card is not working

**Developer response:** 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! 🙂

### 5/5 — Good experience

*2025-09-23*

Nice app fast transaction and secure payment

### 5/5 — RajaShaz125

*2025-09-23, version 2.0.13*

Best Finance App.I really enjoy this app and manage my money well.

### 5/5 — Good

*2025-09-20, version 2.0.13*

Would

## Frequently asked questions about Zindigi

### 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.

## Version history (last 5 releases)

### 2.0.22 — 2026-08-31

This release introduces enhancements across key customer journeys, including:

* Account & Credential Management: L1 to Silver upgrade, credential updates, CNIC update flow, and Forgot Username/Password.
* Overseas Journeys: Overseas onboarding, device change, and email update flows.
* Payments: Enhanced QR and bill payment details, including due dates and late-payment amounts.
* Customer Experience: Login preferences, username display, minor account enhancements, and cooling-off cancellation alerts.
* Compliance & Content: Urdu/English Terms & Conditions
* Engagement: Enhanced leaderboard functionality.

### 2.0.20 — 2026-06-30

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.

### 2.0.18 — 2026-03-26

Zindigi Credit Card: Introducing the Zindigi Credit Card. Apply directly through the app and unlock a world of convenience and flexible spending, designed to give you greater control over your finances.

PayLink Registration Improvements: Easily generate and share payment links along with invoices, enabling quick and convenient collections. The feature also supports invoice generation, real-time notifications for payment updates, and real-time reversals, ensuring greater transparency, control, and a seamless payment experience.

Debit Card Reissuance Now Available in the App: You can now request debit card reissuance directly from the app. If your card is lost, damaged, or needs replacement, simply place a request for new card through the app.

Gift Money is now Eidi: You can continue sending and receiving festive gifts just like before, now with a more celebratory experience.

Along with other minor tweaks and improvements to enhance your app experience.

### 2.0.17 — 2026-02-03

Minor tweaks and improvements to enhance your app experience.

### 2.0.16 — 2026-01-07

Minor tweaks and improvements to enhance your app experience.

## Apps similar to Zindigi

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Konnect by HBL](https://appshunter.io/ios/app/konnect-by-hbl/id1404206729) | 3.2 (47) | Free | Finance |
| [ePay Punjab](https://appshunter.io/ios/app/epay-punjab/id1465068821) | 4.8 (1,396) | Free | Finance |
| [JazzCash Business](https://appshunter.io/ios/app/jazzcash-business/id1526246458) | 4.6 (157) | Free | Finance |
| [NayaPay](https://appshunter.io/ios/app/nayapay/id1621286305) | 4.7 (1,104) | Free | Finance |
| [HBL Microfinance](https://appshunter.io/ios/app/hbl-microfinance/id1463030414) | 3.3 (20) | Free | Finance |
| [Meezan Digital Account Opening](https://appshunter.io/ios/app/meezan-digital-account-opening/id1601232292) | 3.7 (62) | Free | Finance |

## More apps by JS Bank Limited

- [JS Mobile](https://appshunter.io/ios/app/js-mobile/id1561630920)
- [JS BVS](https://appshunter.io/ios/app/js-bvs/id1618188083)
- [JS Bahrain](https://appshunter.io/ios/app/js-bahrain/id6741843878)

All apps by JS Bank Limited: https://appshunter.io/developer/1369107114

## Related topics

[sadapay](https://appshunter.io/ios/topics/sadapay) · [zogo finance](https://appshunter.io/ios/topics/zogo-finance) · [zoya finance](https://appshunter.io/ios/topics/zoya-finance) · [nayapay](https://appshunter.io/ios/topics/nayapay) · [neyapay](https://appshunter.io/ios/topics/neyapay)

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*