Digital Channels

BankIslami Debit Cards

Fast, safe and convenient way to pay with BankIslami

Whenever and wherever you are

Welcome to the world of BankIslami Debit Cards, the most exciting and vibrant card brand in Pakistan. We offer you a range of innovative and exciting cards that have all the convenience and security you desire and the quality you deserve. BankIslami Debit Cards are a dual interface enabled card; supporting NFC (contactless) and EMV/Chip technology, thus ensuring the utmost security of your debit card along with the convenience of tap and pay facility.

BankIslami Debit Cards are accepted at over 50,000 merchants, and over 14,000 ATMs nationwide in Pakistan and millions of merchant location and ATMs globally.

BankIslami offers variety of Debit Cards suiting your needs

BankIslami Titanium Debit Mastercard
BankIslami Titanium Debit Mastercard is a dual interface enabled card; supporting NFC (contactless) and EMV/Chip technology, thus ensuring the utmost security of your debit card along with the convenience of tap and pay facility. With NFC feature on this card, you can just tap your card at NFC enabled ATMs or POS terminals displaying NFC sign to perform contactless transactions.
BankIslami Classic Debit Mastercard
BankIslami Classic Debit Mastercard is a dual interface enabled card; supporting NFC (contactless) and EMV/Chip technology, thus ensuring the utmost security of your debit card along with the convenience of tap and pay facility. With NFC feature on this card, you can just tap your card at NFC enabled ATMs or POS terminals displaying NFC sign to perform contactless transactions.
PayPak Debit Card
BankIslami PayPak Debit Card is a dual interface enabled card; supporting NFC (contactless) and EMV/Chip technology, thus ensuring the utmost security of your debit card along with the convenience of tap and pay facility. With NFC feature on this card, you can just tap your card at NFC enabled ATMs or POS terminals displaying NFC sign to perform contactless transactions.

Pakistan’s First Biometric Banking Solution

BankIslami has been the pioneer of Biometric ATMs since its inception followed by introduction of Cardless ATMs. With the aim to serve our customers in the best way possible and ensure seamless customer experience BankIslami brings you One Touch Banking- a complete Biometric banking solution for all your banking needs which enables you to perform any transaction with just a thumb impression without needing an ATM card or chequebook. One Touch Banking has made banking easier like never before because now “Your Thumb is Your Bank”

This unique proposition focuses on convenience and value innovation which mitigates your dependency on cards and chequebooks and enables you to perform following transactions with just a thumb impression.

  • Chequeless Cash withdrawal
  • Chequeless Pay order issuance
  • Funds Transfer
  • Bills payment
  • Mobile Top up
  • Dormant account activation

Submission for essentials of modern marketing by Philip Kotler


BankIslami is the only Bank in Pakistan Banking industry that has introduced instrument less banking service for its customer(s), One Touch Banking is a Signature service of BankIslami (Cheque Less Transaction Service), by using One Touch Banking service customers can withdraw the funds, transfer the funds to other accounts/ other Bank customers, utility bills payment, Mobile Top-up, Internet Banking Activation and Mobile Application Activation services without using a Cheque or any transaction form through Thumb Impression authentication. Customer just needs to visit the branch counter and after BIO Impression verification; customer can execute any counter transaction(s).

In addition to Cheque less transaction services to customers, BankIslami is also providing Inter Bank Fund Transfer (IBFT) through Cheque via One Touch Banking channel by using this service BankIslami customers can transfer the funds from their account to any other bank customer account.

Services Offered:

  • Cash Withdrawal
  • Fund Transfer (Own Account)
  • Fund Transfer (Third Party)
  • Fund Transfer (IBFT)
  • Fund Transfer (IBFT) Through Cheque
  • Mobile Top-up
  • Utility Bills, Internet Bills and Post Pay Bills Payment
  • Pay Order Issuance.
  • Dormant Account Activation
  • Internet Banking and Mobile Application Activation



BankIslami’s has a wide network of 340 plus Branches in 123 plus Cities all of which provide Online Banking services. Online Banking means that all our 340 plus Branches in 123 plus Cities are connected with each other so that you can instantly access your account and make transactions in any BankIslami Branch. The following are the key benefits that you will get out of using our Online branch network:

  • Cash Deposit for immediate credit to a remote branch.
  • Remote Cheque Encashment from any Online branch.
  • Instant Funds Transfer between any two Online branches.
  • Balance Enquiry and Statement of Account from any Online branch.
Branch Network

For details please refer to ATM & Branches (Click Here)


e-Statement is a facility that not only helps you in viewing their statements whenever and wherever required but also brings an end to filing the Statements and keeping a paper stack. It is a convenience that offers you ease of use along with a worldwide access to your banking transactions.

How to Register?

  • Call 021-111-ISLAMI (475264)
  • Speak to a Phone Banking Officer
  • Request for eStatement Activation
  • Specify the Account
  • Specify the Statement Frequency

Available Statement Frequencies

  • Daily
  • Weekly
  • Monthly
  • Semi Annually

What are the branch timings?

  • Monday - Thursday 9:00AM-5:00PM
    Friday 9:00AM-5:30PM
    Saturday 10:00AM-02:00 PM

What are eStatements?

  • eStatement is an electronic statement delivered to your email address.

How much does the eStatement service cost?

  • There are no service charges on eStatement service.

Can I access eStatements any where in the world?

  • Yes, if you can access your email from a location, you will be able to view your eStatement.

When do I receive my eStatements?

  • You will receive your eStatement as per the frequency you define. The frequency for Bank account customers can be daily, weekly, monthly or semi annually.

Can I use eStatements and still receive my statements via regular mail?

  • Yes, Bank Account customers can receive their statements by both regular mail or via eStatements.

Can I change my email address for eStatements?

  • Yes, you can simply call phone Banking at 021-111-ISLAMI (475264)

Why is it that after registration I am not getting my eStatements on the desired frequency?

  • Kindly ensure that your email inbox has free space. Check if the eStatement is lying in the junk mail box and the email address that you have specified is correct. After completing the above checks if the problem persists call at 021-111-ISLAMI (475264)

Do I need any software to view my eStatements?

  • No, You don’t require any special software to avail the eStatement service. eStatements are in PDF format and will open in Adobe Acrobat Reader.

Can I have eStatement delivery for more than one account?

  • Yes, you can get your eStatement of different BankIslami accounts on your email address.

BankIslami brings an array of convenient, secure and personalized services at your fingertips. With mBankIslami Mobile App, now you can easily perform any of the following:

  • Check Account Balance
  • Pay Bills
  • Transfer Funds
  • Locate ATMs & Branches
  • View Statement
  • Mobile Top Ups
  • Manage Beneficiaries & Register Bills


Do you want to provide ease and convenience to your friends, family, colleagues and business associates. With our Interbank funds transfer (IBFT) facility you can easily transfer funds in their accounts via your ATM. Now, when dealing with you they can ensure hasslefree funds transfer in their accounts. No nuisance of waiting for Cheque clearance or going to the branch to deposit Cash or Cheque.

IBFT facility enables you to send and receive funds Online from and to any Account holder of 1Link IBFT participating member Banks. Following are the key benefits that you will get out of using our IBFT facility:

  • Convenience
  • Easy to use
  • Instant Transfer i.e. Online
  • Secure
  • 7×24 Facility- Round the Clock
  • IBFT totally eliminates the use of cheques and the transactions can be processed Online

How to do IBFT via ATM?:

  • Insert the Card in the ATM
  • Wait for Authentication – using Biometric or PIN
  • Select “Funds Transfer” from Main Menu
  • Select “IBFT” from Funds Transfer Menu
  • Select the From Account from which Funds will be transferred.
  • Select Bank where Funds are to be transferred
  • Input the Beneficiary Account Number
  • Input the Amount to be transferred
  • Verify the Beneficiary Name retrieved Online from the Beneficiary Bank Confirm the Transaction

Don’t get in line. Go online. Experience reliable, convenient and secure banking services with BankIslami.

Login iBankIslami:

Phone Banking:

We are just a call away! We are there for you 24 hours a day, 7 days a week. We don’t even take breaks on Holidays and Sundays. If you need any information on any of our Products & Services, If you need to lodge a complaint or if you just need to give feedback on any of our Products or Services, just dial 021-111-ISLAMI (475264).

We promise you will get the same level of personalized service and attention that you would expect from our branches.

You may choose to speak to us at anytime, Just Dial 021-111-ISLAMI (475264).

Self Service Banking:


BankIslami offers Banking at your finger tips. Forget about rushing off to the Bank during office hours or waiting in queues – switch to Banking that’s quick, secure and so very convenient. BankIslami Self Service facility provides you the convenience and ease of making transactions or getting your account details by just making a call to 021-111-ISLAMI (475264).

You can avail the following Phone Banking self service facilities by following a series of simple menu choices.

  • Balance Inquiry
  • Transaction details
  • Pak Rupee Fund transfer


1Bill is an electronic bill payments services to allow the consumer to pay all types government duties, credit card and loan payment bills by using 1Bill Prefix/Billing Partner name.

Click here for 1Bill biller Prefix/Billing Partner Name.

BankIslami Digital Onboarding

BankIslami Digital Onboarding is a portal where customers can open their Accounts digitally without visiting any BankIslami Branch.

To access BankIslami Digital Onboarding, please visit

Following Islami Digital Accounts are offered through BankIslami Digital Onboarding Portal:
Islami Asaan Digital Current Account (Currency: PKR)
Islami Asaan Digital Savings Account (Currency: PKR)
Islami Asaan Digital Sahulat Account (Currency: PKR)
Islami Asaan Digital Remittance Account (Currency: PKR)
Islami Freelancer Digital Account (Currency: PKR & USD)
Islami Bachat Account (Currency: PKR, USD, GBP & EUR)
Islami Premium Savings Account (Currency: PKR & USD)
Islami Current Account (Currency: PKR, USD, EURO, GBP, AED, JPY, SAR & CAD)
Islami Sahulat Account (Currency: PKR)
Islami Khair Current Account (Currency: PKR)
Islami Mashal Asaan Remunerative Current Digital Account (Currency: PKR)
Digital Onboarding Process
Visit the Digital Onboarding portal via
Fill out the necessary KYC fields.
Provide Live photo for Liveliness check.
Sim Ownership Verification will be performed.
Intimation for successful Account request will be sent to provided email address.
Account will be opened within two working days after complete verification of all information provided.
Transaction Limits
1) Islami Asaan Digital Current/Savings/Shaulat Account
Monthly debit transactions limit is of PKR 1,000,000/-
Monthly debit transactions limit is of PKR 1,000,000/-
2) Islami Asaan Digital Remittance Account
Maximum credit balance limit of PKR 3,000,000
Cash withdrawal limit of PKR 500,000 per day
Fund transfer limit of PKR 500,000 per day from Islami Asaan Digital Remittance Account to any other account
This account can also be fed through local credit to the extent of PKR 1,000,000 per month
No commercial remittances shall be deposited in the account
3) Islami Freelancer Digital Account
Monthly Debit limit of USD 5,000 or equivalent
Monthly Credit Limit of USD 5,000 or equivalent
Cash withdrawal limit of PKR 500,000/- or equivalent per day
* Existing Limits will be applied on all remaining Digital Accounts
Live Chat
Live Chat option is available for the customers on BankIslami Digital Onboarding portal where customers can communicate with our Phone Banking team related to Digital Onboarding queries, concerns and suggestions anytime.
Phone Banking User shall be available on Live Chat portal 24/7 for our valuable customers.
For further information, please contact 021-111-475-267
English Tutorial

Urdu Tutorial

bankislami raast

What is Raast:

Raast is Pakistan’s first instant payment system that enables end-to-end digital payments among individuals, businesses and government entities instantaneously.

Raast with BankIslami:

BankIslami in compliance with SBP has integrated Pakistan’s fastest payment system for their valued customers by simply using their mobile numbers as their Raast ID.

Raast Features:

  • Instant Payment
  • No Transaction Fee
  • Anywhere, Anytime
  • Secure & Reliable 

Raast Payment Channels:

  • BankIslami Mobile App
How to Registered for Raast Services?
bankislami raast
bankislami raast
bankislami raast
bankislami raast
bankislami raast
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Step 1: Login to mBankislami Mobile App

Step 2: Go to Menu and select Raast Management

Step 3: Tap on Create Raast ID

Step 4: Select the account you want to link

Step 5: Confirm the details you have entered

Step 6: Enter OTP given at your registered number/Email address

Step 7: Raast ID created successfully

How to create Raast Beneficiary?

Step 1: Login to mBankislami Mobile App

Step 2: Go to Menu and select Raast Management

Step 3: Tap Create Raast Beneficiary

Step 4: Add Raast Beneficiary via Address Book or Mobile Number

Step 5: Confirm the details you have entered

Step 6: Raast Beneficiary sucessfully created

How to Pay via Raast Beneficiary?

Step 1: Login to mBankislami Mobile App

Step 2: Go to Menu and select Raast Management

Step 3: Tap on Beneficiary Funds Transfer

Step 4: Select your account and select Beneficiary then enter amount to transfer

Step 5: Enter OTP given at your registered number/Email address

Step 6: Raast Beneficiary payment successfully made.

How to Pay via Raast Non-Beneficiary?

Step 1: Login to mBankislami

Step 2: Go to Menu and select Raast Management

Step 3: Tap on Non Beneficiary Funds Transfer and Enter Raast ID/ IBAN number or select Raast ID from address book and Enter Amount

Step 4: Enter OTP and confirm

Transactions Limits

Per Transactions Limit 200,000

Per Day Limit 1,000,000

Raast with BankIslami

BankIslami in compliance with SBP has integrated Pakistan’s fastest payment system
for their valued customers by simply using their mobile numbers as their Raast ID.


Ways To Bank

Whatever your inclination, BankIslami offers advantageous ways of aiding you the manner in which you need.

SMS Services

Transactional SMS on debit and credit transactions in a bank play a crucial role in keeping customers informed about their account activities in real-time. Here are the key roles and benefits:

    • Customers receive immediate SMS notifications for every debit and credit transaction on their accounts.
    • Transactional SMS adds an extra layer of security by notifying customers of any unauthorized or suspicious transactions.
    • Customers can quickly identify and report any discrepancies or fraudulent activities.
    • Customers can monitor their account balances and transaction history effortlessly through SMS alerts.
    • This feature promotes proactive financial management and helps prevent overdrawing or overspending.
    • Customers can quickly check recent transactions and account balances on the go.
    • In case of transaction errors or declined transactions, customers are promptly notified via SMS.
    • Transactional SMS contributes to an improved customer experience by keeping customers informed and engaged with their banking activities.
    • It demonstrates the bank’s commitment to providing transparent and efficient services.
    • Immediate alerts on credit transactions can prevent identity theft or unauthorized use of debit cards, allowing customers to take quick action if needed.

Overall, transactional SMS on debit and credit transactions is an integral part of modern banking services, enhancing security, customer engagement, and the overall banking experience.


At BankIslami, our commitment to consumer convenience is exemplified through our widespread network of ATMs (Automated Teller Machines) compromises of 444 ATM’s and CCDMs (Cash and Cheque Deposit Machines) compromises of 4 CCDM’s. These technologies play a pivotal role in transforming the banking experience for our valued customers.

ATM Network:

Cash Withdrawal: Our extensive network of ATMs empowers consumers to withdraw cash conveniently at any time, providing access beyond traditional banking hours.

Balance Inquiry: Customers can check their account balances seamlessly, gaining real-time insights into their financial status.

Transaction History: ATMs facilitate easy access to transaction histories, allowing consumers to track their financial activities effortlessly.


Cash and Cheque Deposits: CCDMs offer a multifaceted solution, allowing consumers to deposit both cash and Cheque directly into their accounts without visiting a traditional bank branch.

Real-time Updates: The CCDM process ensures that deposited funds are promptly reflected in the consumer’s account, providing real-time updates on financial transactions.

How ATM & CCDM Support Consumer Convenience:


24/7 Availability: Our ATMs and CCDMs are accessible round the clock, providing consumers with the flexibility to perform transactions at their convenience.

Reduced Depedency on Branches:

Cash Withdrawal: Consumers can withdraw cash from ATMs, reducing dependency on physical bank branches and enhancing accessibility.

Deposit Options: CCDMs minimize the need to visit branches for routine deposits, streamlining the banking process for consumers.

Time Effciency:

Quick Transactions: ATMs and CCDMs facilitate swift transactions, saving valuable time for consumers with busy schedules.


Secure Transactions: With advanced security features, consumers can trust ATMs and CCDMs for secure transactions, ensuring the safety of their financial activities.

Convenience in Remote Areas:

Extended Reach: The widespread deployment of ATMs provides banking services in remote and underserved areas, catering to a broader consumer base.

Enhanced Banking Experience:

Self-Service Options: ATMs and CCDMs offer self-service capabilities, enabling consumers to manage their finances independently.

By integrating advanced technologies like ATMs and CCDMs into our banking ecosystem, BankIslami is dedicated to fostering a banking environment that prioritizes consumer convenience, accessibility, and efficiency. As technology continues to evolve, so too will our commitment to providing innovative solutions that enhance the overall banking experience for our valued customers.

Interactive Voice Response Services: Empowering Seamless Banking at BankIslami

At BankIslami, we recognize the importance of delivering banking services that are not only comprehensive but also convenient for our valued customers. Our Interactive Voice Response (IVR) services serve as a cornerstone for achieving this goal, providing a user-friendly platform that facilitates a range of essential banking transactions. Below are the key services offered through our IVR system, designed to enhance consumer convenience and ensure a seamless banking experience:

ATM Card Activation:

Customers can conveniently activate their ATM cards through the IVR system, allowing for a hassle-free onboarding process.

ATM Card Block Service:

In the event of a lost or stolen ATM card, customers can promptly block their cards using the IVR services to prevent unauthorized transactions.

Balance Inquiry:

Our IVR system empowers customers to inquire about their account balances swiftly, providing real-time information at their fingertips.

ATM PIN Change:

Customers can change their ATM PINs securely and conveniently through the IVR system, ensuring the safety of their accounts.

Digital Services Block:

In situations where customers need to secure their digital services, such as mobile apps and internet banking, the IVR system offers a quick and reliable blocking mechanism.

Mini Statement:

The IVR system provides customers with the flexibility to request mini statements, offering a snapshot of recent transactions and account activities.

Advantages of IVR Services for Consumer Convenience:

  • Accessibility 24/7: Our IVR services are available round the clock, allowing customers to access essential banking functions at any time, including outside regular business hours.
  • Time-Efficient Transactions: Customers can perform various transactions quickly, saving time and ensuring a seamless banking experience without the need to visit a physical branch.
  • Enhanced Security: IVR services are designed with robust security features, safeguarding customer information and ensuring secure interactions.
  • User-Friendly Interface: The IVR system offers an intuitive and user-friendly interface, making it easy for customers to navigate and utilize the available services.
  • Convenient Account Management: From balance inquiries to card-related services, the IVR system puts control in the hands of the customers, allowing them to manage their accounts conveniently.

By leveraging the capabilities of our IVR services, BankIslami is committed to providing a banking experience that aligns with the modern lifestyle of our customers. Our IVR offerings aim to empower customers with accessible, secure, and efficient banking solutions, reinforcing our dedication to consumer convenience and technological innovation.