Published on, Sept. 30 -- September 30, 2025 4:03 PM

The State Bank of Pakistan (SBP) has issued a clarification regarding the two-hour cooling period in digital fund transfers. It explained that while funds are instantly credited to recipients' accounts in real time, the restriction applies only to the use or withdrawal of those funds.

The central bank emphasized that money transferred to branchless banking wallets or accounts is immediately available, but transactions such as online purchases, mobile top-ups, or cash withdrawals can only be done after two hours.

Read more : SBP authorised to deal with distressed banks, protect depositor .

Furthermore, SBP highlighted that this condition was introduced in April 2023 to enhance securi...