Individual Financing

3D Secure

Following Debit Cards and Credit Cards of Bank AL Habib are now protected by 3D Secure. Visa Debit Cards: Platinum, Gold, and Silver PayPak Debit Card Mastercard Credit Card: Classic & Gold 3D Secure is the latest technology aimed at improving online security through authentication of each transaction by the cardholder so that you use your card with more confidence and peace of mind. With this service, when you use your Bank AL Habib Debit or Credit Card on websites that display "MasterCard SecureCode” and “Visa Secure” sign respectively, you will receive a One-Time-Password (OTP) through SMS and email as you complete your transaction. To perform E-Commerce transactions on your cards, please call our 24/7 call center on (+92-21) 111-014-014 to activate the service. Note: E-Commerce per day transaction limits of VISA and PayPak Debit Cards is clubbed with POS limits. Click here to download Rules/Terms & Conditions Click here to download the PayPak 3D Secure - Merchant List 3D Secure Enablement Process 1 Shop online at any 3D Secure enabled website 2 Enter your Card details in payment section 3 You will receive an email (if available) and SMS with a unique 6-digit OTP 4 Enter the unique 6-digit OTP shared by the Bank 5 Upon submission, your transaction will be processed Disclaimer Bank AL Habib is indemnified against any and all actions, proceedings, liabilities, claims, losses, damages, costs and expenses incurred or sustained by Bank AL Habib in relation to or arising as a result of action of internet session. In case a non 3D Secure website is used to perform an online transaction, an OTP will not be generated and the liability for all reversals will reside with the merchant. Therefore, kindly avoid using non 3D secure websites. Bank AL Habib will never contact you asking for your Personal Information, Debit/Credit card number, PIN, OTP or CVV via Phone, SMS or email, and it will not be liable for any loss, damage, costs or expenses of any nature whatsoever arising from any disclosure that you make of the aforesaid information. Please contact our 24/7 call center on (+92-21) 111-014-014 to activate the e-commerce service on your card. .featureWrapper { display: inline-block; text-align:center; width:100%; } .featureWrapper .featureImg { padding-right: 0; text-align:center; height:100px; line-height:100px; margin-bottom:15px; } .featureWrapper .featureImg img { width: 20%; } span.step { /* float: left; */ width: 35px; height: 35px; background: #fbb040; line-height: 35px; text-align: center; display: block; margin: 0 auto 15px auto; font-weight: bold; font-size: 20px; border-radius:100%; } .bgPosBtmLeft { background-position: center center !important; }

Electronic Funds Transfer

Bank on Wheels - Mobile Banking Unit

Introducing Bank on Wheels, our mobile banking unit to make banking more accessible and convenient. The initiative aims to increase financial inclusion through delivery of financial services to areas where there are no bank branches such as hospitals, universities/colleges, rural areas, villages, calamity struck areas, emergency situations, or special events like exhibitions and festivals. Services for Everyone ATM Facility Utility Bill Payments Fee Collection Home RemittanceServices Services Exclusively for Bank AL Habib Customers Cheque Deposit (Transfer Cheques only) Online Funds Transfer (BAHL to BAHL) Cash deposit in BAHL Account .Summary_Middle .LargeText { font-size: 24px; line-height: normal; display: block; } .d-inline-block.icon-wrap{ width:75px; } .d-inline-block.icon-wrap img{ width:100%; }

Raast

Raast is Pakistan’s first instant payment system that enables end-to-end digital payments among individuals, businesses and government entities within seconds. Not only that it helps bring down the high cost of the transactions making small-value retail payments cheap. Click here to view list of Raast Enabled Branches Register RAAST ID Link / Unlink RAAST ID Delete RAAST ID Generate QR Code Raast Tutorial Simplified P2M Payments via RAAST Bank AL Habib has recently added the Raast Person-to-Merchant (P2M) feature to AL Habib Mobile which allows customers to scan Raast QR codes to make payments. Customers may also use the "Merchant Alias Payment" option which allows them to make payments through AL Habib Mobile and Netbanking using unique identifiers such as Virtual Payment Address (VPA), Till Code, or Merchant ID assigned to merchants. P2M will enable customers to pay directly to merchants for shopping, dining, and monthly utility expenses. With just a quick scan of the QR code provided by the merchant, transactions can swiftly and securely be completed, eliminating the need for cash or physical cards. Key Features Funds Transfer on Merchant Alias Customers can make payments by scanning Raast P2M accepted QRs Only account-based transactions can be performed

Home Remittance

INTRODUCTION REMIT ACCOUNT REMITTANCE TRACKER SERVICES REMITTANCE PARTNERS SOHNI DHARTI AL Habib Remit Every year thousands of Pakistani expatriates open the door for foreign currency inflow to our country. These Home Remittances have now evolved as a key factor in supporting our country’s economy. Bank AL Habib Home Remittance Division is facilitating overseas Pakistanis around the globe and their loved ones in Pakistan by providing value-added services to remitters and beneficiaries under the special Home Remittance arrangements. AL Habib Remit Contact Details For any queries, information or complaints regarding our Home Remittance services, please feel free to contact our 24/7 Call Centre at (92-21) 111-014-014, for international customers dial 92-21-32446978-79 or Home Remittance Division at (92-21) 32417837 / 32472140 / 32473008 & 32480209 PABX: 0092 21 32480124 - 34 Ext: 119, 118, 113, 112, 114 & 116 or e-mail us at hroperations@bankalhabib.com

AL Habib Green Banking Policy Statement

The policy has been prepared in light of the “Green Banking Guidelines” issued by SBP vide IH&SMEFD Circular # 08 dated October 09, 2017. Green Banking Department - Administration Division has the ownership to maintain this policy. This policy will be applicable to all business and support functions of the bank. The Green Banking Policy will be reviewed after every two years. This policy serves as a course of action for the bank to strategize, implement, and monitor the Green Banking practices at all levels of the bank. The purpose of BAHL Green Banking Policy is to provide necessary guidelines to protect the natural environment while providing service or financing to customers as well as to improve in-house environmental management through efficient use of various resources across the bank. In line with State Bank of Pakistan Green Banking Guidelines, BAHL Green Banking Adoption is targeted towards:- Own Impact Reduction Green Business Facilitation Environmental and Social Risk Management (ESRM) System BAHL Green Banking Policy consists the following:- Introduction Green Banking Organization Structure, Roles & Responsibilities Coordination & Monitoring .contentSection ul li { line-height: 1.5; } .bgPosBtmLeft { background-position: center center !important; }

Refinance Scheme for Women Entrepreneurs

Livestock Financing For Dairy Farmers

About Scheme Finance facility is available for eligible farmers, under our approved product “AL Habib Kissan Livestock & Dairy Development Finance Scheme" against acceptable collateral and cash flows. Bank AL Habib and Nestle’ Pakistan have an agreement to provide short, medium and long-term financing facilities to dairy farmers affiliated with and duly recommended by M/S. Nestle’ Pakistan Ltd. Main Features Dairy farmers working with Nestlé since last more than 2 years with a valid CNIC/identity doc, living / working in the area for more than five 5 years. One year running finance facility, renewable every year upon satisfactory conduct to meet day to day requirement of running dairy/livestock farms. Term Finance Facility, for a tenor from 2 to 5 years to purchase animals, livestock & dairy equipment/machinery and distribution / transportation requirement. These financing facilities are available at discounted mark-up rates. SBP Refinance Scheme Talk to our Agri Experts