IBFT vs Raast Transfer Cost Estimator
Compare the true monthly cost of sending money by IBFT versus free Raast. Enter your transfer habits and your bank fee policy — the tool shows both costs, the cheapest option and how many Raast transfers a large payment needs.
Use the total monthly IBFT volume from this account, including these transfers, to apply the free limit correctly.
Monthly cost via IBFT
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Monthly cost via Raast
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Cheapest option
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Monthly comparison
Editable IBFT fee policy
| Free IBFT per month per account (rupees) | |
| Fee rate above free limit (percent per transaction) | |
| Maximum fee per transaction (rupees) | |
| Raast per-transaction guideline limit (rupees) |
This is an estimate based on SBP default rules. Banks set their own schedule of charges — confirm your own bank schedule of charges before relying on this.
How to use
- Enter your typical transfer amount and how many transfers you make each month.
- Enter your total monthly IBFT volume so the free limit is applied correctly.
- Compare the monthly IBFT cost with free Raast, see the cheapest option, and adjust the fee policy to match your bank.
Note: The first 25000 rupees per month per account via IBFT is free under SBP rules; above that each transaction costs up to 0.1 percent or 200 rupees. Raast person-to-person transfers are free, split large amounts into 200000-rupee transfers.
Tips
- Use Raast for person-to-person payments — it is free with no monthly free-limit tracking.
- Spread IBFT use across months if you often cross the 25000 free limit.
- Some banks waive IBFT fees on premium accounts — check your schedule of charges first.