The workers remittances incentive scheme was extended in Pakistan in 2025 to support overseas Pakistanis and encourage the legal transfer of money through proper banking channels. This scheme plays an important role in boosting the country’s economy, and it brings various rewards for those who send money home legally. In this article, we will explain what is workers remittances incentive scheme is, how it works, who is eligible, and how to apply for it.

Why This Scheme Matters for Pakistani Citizens

Millions of Pakistanis live and work abroad. They send money to their families back home. These remittances are a big source of foreign exchange for the country. However, sometimes people use informal channels (like hundi or hawala), which are not legal and do not benefit the national economy.

To stop this, the government of Pakistan has launched the workers remittances incentive scheme in Pakistan. The purpose is to reward overseas Pakistanis who use official banking channels. This way, families in Pakistan can also get extra benefits from the government.

What is the Workers Remittances Incentive Scheme?

The workers remittances incentive scheme Punjab government, was launched under the vision of strengthening the economy by promoting legal remittance channels. It was first introduced by the State Bank of Pakistan, and now it’s being implemented nationwide, including Punjab and other provinces.

Main Benefits of the Scheme:

• Cash rewards or points for sending money through legal banks or apps
• Discounts on utility bills or Ehsaas Program benefits
• Priority in government subsidy programs
• Special savings accounts for remittance receivers

This workers remittances scheme in Pakistan is linked with Roshan Digital Accounts and other remittance services like Western Union, MoneyGram, HBL Konnect, etc.

Read More: Chief Minister’s PARWAZ CARD 2025 – A New Hope for Overseas Pakistanis

Eligibility Criteria

To benefit from this workers remittances scheme, you must meet the following requirements:

• Must be a Pakistani citizen working abroad
• Must send money through legal banking channels
• The remittance receiver must be a registered family member in Pakistan
• Amount should meet the minimum threshold (usually PKR 50,000 or more)
• Must use registered services linked with the State Bank

How to Apply for the Workers Remittances Incentive Scheme

The application process is simple and online. Follow this step-by-step guide to register:

Step-by-Step Registration Guide:

1. Open a Roshan Digital Account or use any partner remittance service (HBL, UBL, Western Union, etc.)
2. Create an account using CNIC, passport number, and mobile number
3. Enter details of the remittance sender and receiver
4. Link your remittance transaction number
5. Submit the form and wait for SMS confirmation
6. Rewards or incentives will be automatically credited or tracked in your profile

Stay updated by visiting the State Bank of Pakistan or the Punjab government’s official websites regularly.

Read More: Punjab Kissan Card Scheme – Eligibility & How to Apply

Frequently Asked Questions (FAQs)

Q1: What is the workers remittances incentive scheme?

Ans: It is a government program that gives incentives to overseas Pakistanis who send money home through legal banking channels.

Q2: Who can register for the scheme?

Ans: Any Pakistani citizen living abroad who sends remittance through registered banks or apps.

Q3: Do I need a Roshan Digital Account to apply?

Ans: No, it is not necessary, but recommended for easier tracking and faster rewards.

Q4: Can I get cash rewards directly?

Ans: Yes, eligible senders and receivers may get cash rewards or discounts on bills.

Q5: Is the scheme only for Punjab?

Ans: No, while the workers remittances incentive scheme Punjab government is active, it is a nationwide scheme under the State Bank of Pakistan.

Final Words

The workers remittances incentive scheme in Pakistan is a great opportunity for overseas Pakistanis to support their families and benefit from additional rewards. By using legal banking channels, not only do you help your country’s economy, but you also get extra cash, discounts, and government support.

So if you are working abroad or have family members overseas, make sure to tell them about this scheme. It’s time to move away from illegal transfers and enjoy real government rewards.