Looking for reliable investment options that don’t carry high risks? Whether you’re a student, a salaried person, or a small business owner in Pakistan, smart investing can help grow your money steadily.
In this guide, we’ll share the Top 5 Investment Apps for Pakistanis that offer low risk and high reward — with easy deposit methods like Easypaisa, JazzCash, and bank transfers.
✅ Why Use Investment Apps in Pakistan?
- Easy Access: No need for complex bank procedures.
- Low Minimum Investment: Start from as low as PKR 500 or $5.
- Diversified Options: Crypto, stocks, mutual funds, fixed return apps.
- Daily/Monthly Returns: Build a passive income stream.
✅ Top 5 Best Low-Risk Investment Apps for Pakistanis (2025)
1️⃣ Binance (Crypto Staking & P2P Trading)
- Low-risk crypto staking options.
- Earn up to 10–20% APY on stablecoins.
- Deposit via P2P sellers using Easypaisa/Bank Transfer.
👉 [Join Binance Now] (Affiliate Link)
2️⃣ Sarmaya.pk (Pakistan-Based Investment Platform)
- Local stocks and mutual fund options.
- SECP registered.
- Withdraw to Pakistani bank accounts.
👉 [Join Sarmaya.pk]
3️⃣ JazzCash Raast Savings (Bank-Linked Investment)
- Monthly profit payout directly to JazzCash wallet.
- Government-registered micro-saving schemes.
- Easy to use for beginners.
👉 [Open JazzCash Raast Account]
4️⃣ OctaFX (Forex & Stocks Investment)
- Low-risk fixed-return investment options.
- Supports demo and live accounts.
- Withdraw in PKR.
5️⃣ Daraz Wallet Savings (New Feature 2025)
- Save while shopping on Daraz.
- Monthly cashback as passive income.
- No risk, as cashback is guaranteed.
✅ How to Start Investing with These Apps
Step 1: Select the app based on your preference (crypto, stocks, savings).
Step 2: Sign up and complete KYC (ID verification).
Step 3: Deposit funds using Easypaisa, JazzCash, or bank transfer.
Step 4: Choose the investment product (staking, fixed return, mutual fund).
Step 5: Monitor returns and withdraw as needed.
✅ Comparison Table
| App Name | Minimum Investment | Risk Level | Profit Frequency | Withdrawal Options |
|---|---|---|---|---|
| Binance | PKR 1000+ | Low–Medium | Daily/Monthly | Bank, Easypaisa, Crypto |
| Sarmaya.pk | PKR 500+ | Low | Monthly | Bank Transfer |
| JazzCash Raast | PKR 100+ | Very Low | Monthly | JazzCash |
| OctaFX | $10+ | Medium | Variable | Bank Transfer |
| Daraz Wallet | PKR 0 (Shopping) | Very Low | Cashback | Daraz Wallet |
✅ FAQs
Q: Are these investment apps legal in Pakistan?
Yes, apps like Sarmaya.pk and JazzCash Raast are SECP-approved. Binance and OctaFX operate globally but are widely used in Pakistan.
Q: How much can I expect to earn monthly?
It depends on the amount invested. Starting from PKR 500–1000, users can expect PKR 300–5000 monthly based on platform and risk type.
Q: Which app is safest for absolute beginners?
JazzCash Raast and Sarmaya.pk are best for zero crypto/stock experience users.
✅ Conclusion
For Pakistanis looking for low-risk, high-reward investment apps in 2025, these five platforms offer both security and potential growth:
- Binance for Crypto Staking
- Sarmaya.pk for Mutual Funds
- JazzCash Raast for Safe Savings
- OctaFX for Stock Trading
- Daraz Wallet for Cashback Savings
👉 [Join Binance Now – Start Investing Today]
👉 [Open JazzCash Raast Account Now]
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