SimSim mobile Digital Wallet is jointly developed by FINJA and FINCA microfinance Bank, and is built on top of FINCA microfinance Bank’s branchless banking platform. SimSim promises zero cost payments with zero MDR which means maximum convenience for all parties on the platform. But that’s not it, SimSim qualifies as a lifestyle wallet which is designed for not only mobile payments but also numerous other features that include Bills and Topups, Interbank funds transfer, Bookings, Gift vouchers and much more.

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Pay Bills

Bill Payment allows users to pay all types of utility bills in a secure and convenient way. The amount is automatically fetched after entering the consumer number, after confirmation the bill is paid instantly.

Gift Vouchers

Buy different vouchers for different platforms such as iTunes, Netflix, Facebook, etc.!

Top Ups

Top up your GSM network instantly through SIMSIM wallet at anytime, anywhere you are by simply entering the phone number and amount.

Buy Tickets

Buy instant tickets through SimSim. Whether it’s a cinema ticket or a bus ticket, book your tickets in advance to avoid the hassle of standing in those never ending queues.

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Add Money

Adding money to your SIMSIM wallet is easy and instant. Add money through IBFT, 1-link ATMs, UBL Omni agents or from one wallet to another

Scan & Pay

Scan and Pay is a unique subset of SimSim that enables users to make real-time, zero-cost payments by simply scanning the QR codes of merchants. After scanning, a digital invoice is generated, which needs confirmation to process the payment.

Send Money

Send Money allows users to send money to any other SimSim wallet. It works by simply entering the mobile number of payee, who is registered with their SimSim wallet.

QR Code

Fast Response

Quick response codes provide a real time, fast and convenient way of making payments without sharing your personal details. Just scan the QR code of the merchant, insert amount and confirm to make hassle free, immediate transactions.


Know what's around you

Find your nearest merchants through your SIMSIM application within seconds.

How Secure is SIMSIM?

Mobile number as financial identity

Your mobile number is your account number. The application cannot be used on two devices simultaneously.

Mini Statement

Users can review their mini statements anytime and can easily keep a record of their transactions

Four-digit static PIN

Users need a four digit static PIN to login SimSim wallet which is confidential and only known to the users

Timed log out

Automatic timed log-out from SimSim also keeps the wallet secure

SMS alerts

Users receive SMS alerts and in-app notifications each time they login or conduct a transaction through SimSim wallet

Multiple encryption layers

Data is protected via multiple encryption layers and is visible only to each user individually


For more detail visit SimSim.com.pk