Zindigi - All in One Finance2.0.23

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

Version History What's New: Introducing Z-Store
Order the all-new iPhone 18 series right from the Zindigi app.
Z-Store: Browse Apple products by category and explore the iPhone 18 lineup, including full product specifications.
Order your way: Choose your model, storage, colour, and quantity, then add to cart.
Simple checkout: Enter your shipping details, review your order, and pay securely from your Zindigi account.
Order updates: Receive an order confirmation with a unique reference ID for easy tracking and queries.
Performance improvements and bug fixes for a smoother experience. 2.0.23 Sep 30 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. 2.0.22 Aug 31 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. 2.0.20 Jun 30 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. 2.0.18 Mar 26 Minor tweaks and improvements to enhance your app experience. 2.0.17 Feb 3 Minor tweaks and improvements to enhance your app experience. 2.0.16 Jan 7 Minor tweaks and improvements to enhance your app experience. 2.0.14 12/02/2025 Z-Mall: Shop smart with our new e-commerce marketplace. Explore exciting products and exclusive deals – all inside your Zindigi app.
Games: Now you can play fun and engaging games right from your app. Compete, win, and enjoy!
Minor tweaks and improvements to enhance your app experience. 2.0.13 09/12/2025 Z-Mall: Shop smart with our new e-commerce marketplace. Explore exciting products and exclusive deals – all inside your Zindigi app.
Games: Now you can play fun and engaging games right from your app. Compete, win, and enjoy!
Minor tweaks and improvements to enhance your app experience. 2.0.12 08/21/2025 Visa Virtual Debit Card: Zindigi is proud to launch the all-new Visa Virtual Debit Card – your key to secure, instant, and borderless digital payments!
MTAG: We’ve revamped your MTAG journey for an even better toll payment experience! Managing your MTAG with Zindigi Wallet is now faster, simpler, and more intuitive.
Invite via Code: Now invite friends & earn rewards! Share your unique code and enjoy exclusive benefits when they join.
Transworld Bill Payments: Now pay your Transworld bills seamlessly through Zindigi – fast, secure, and hassle-free!
Kuickpay Bill Payments: Say goodbye to long queues! Pay all your Education, Hospital, Real Estate and other bills instantly with just a few taps.
GTAG: GTAG is now linked with your Zindigi Wallet. Your toll payments on Lahore Ring Road are automatically deducted from your Zindigi Wallet, making your journeys faster and hassle-free. 2.0.11 06/04/2025 Pay via Link: Now freelancers can request payments like a pro by creating and sharing payment links to clients, just like sending an invoice.

Virtual Debit Card: Instantly generate a secure virtual debit card for online purchases, subscriptions, and many more.

Bike Financing: Apply for bike financing from Zindigi app. Enjoy affordable rates and instant approvals with no hidden fees.

JS Advance Cash: JS Bank users can now avail instant loans from within the Zindigi App.

Performance Improvements: Minor bugs fixes and improvements for a smoother app experience. 2.0.10 05/15/2025 Pay via Link: Now freelancers can request payments like a pro by creating and sharing payment links to clients, just like sending an invoice.

Virtual Debit Card: Instantly generate a secure virtual debit card for online purchases, subscriptions, and many more.

Bike Financing: Apply for bike financing from Zindigi app. Enjoy affordable rates and instant approvals with no hidden fees.

JS Advance Cash: JS Bank users can now avail instant loans from within the Zindigi App.

Performance Improvements: Minor bugs fixes and improvements for a smoother app experience. 2.0.9 03/18/2025 Z-Spin: Now explore brand new rewards with Z Spin and start winning today!
Performance Improvements: Minor bug fixes and improvements for a smoother app experience. 2.0.8 01/06/2025 Urdu Language: Now you can use Zindigi application in Urdu language

Performance Improvements: Minor bug fixes and crash resolutions for a smoother overall experience. 2.0.5 10/18/2024 Urdu Language: Now you can use Zindigi application in Urdu language
Performance Improvements: Minor bug fixes and crash resolutions for a smoother overall experience. 2.0.4 10/02/2024 • Split Bills Made Easy: Introducing our convenient Split Bills feature, allowing you to effortlessly divide expenses with friends and family in just one tap!
• Simplified Digital Merchant Onboarding: We've enhanced the onboarding process, making it seamless and easier than ever to become a merchant!
• Enhanced Security & Compliance: We've implemented regulatory and security updates to ensure a safe and secure experience.
• Performance Improvements: Minor bug fixes and crash resolutions for a smoother overall experience. 2.0.3 09/04/2024 • Introducing Split Bills: a convenient feature that allows you to easily split bills with friends and family with just a tap!
• Plus, enjoy a seamless and enhanced Digital Merchant Onboarding experience. Becoming a merchant has never been easier!
• Minor crash and bug fixes. 2.0.21 08/28/2024 • Introducing Split Bills: a convenient feature that allows you to easily split bills with friends and family with just a tap!
• Plus, enjoy a seamless and enhanced Digital Merchant Onboarding experience. Becoming a merchant has never been easier!
• Minor crash and bug fixes. 2.0.2 08/16/2024 Introducing all-new dazzling Zindigi 2.0 App: The new App comes with a fresh look & feel, improved home screen, a light and dark theme & many cool design changes to make your journey even cooler. While redesigning, we have incorporated your feedback to simplify your Zindigi account experience & everything you do with it.

With the new app, manage your home screen by adding services that you use frequently without missing key features and spend, save & manage your money the same way as before. 2.0.1 06/15/2024 - Money Transfer QR: Introducing P2P QR. Now, use QR codes to send and receive money with friends, family and merchants. It's fast, secure, and hassle-free.
- Become a Merchant: Sign up as a merchant within the App and generate your business QR for digital payments.
- New In App Chat experience: Chat with our support team in all new chat interface and get real time assistance within the App. 1.0.26 12/15/2023 Security update and minor fixes 1.0.25 10/06/2023 We are adding Advance cash feature to get instant digital loans
Adding Z-Miles loyalty program where you can earn Points & Redeem them against cash transactions
You can now Invite your friends to get a Zindigi Debit Card and earn as soon as they activate
We have made tweaks and improvements to make your Zindigi experience better 1.0.24 08/16/2023 • Mobile bundle and packages
• Minor crash & bug fixes 1.0.23 04/08/2023 • Ticketing feature for social events
• Minor crashes and bug fixes 1.0.22 03/13/2023 • Minor crash & bug fixes
• Telenor Bundles & Balance Load fix 1.0.21 01/18/2023