Digital Channels

BankIslami Mobile App – Experience Seamless and Secure Banking!

BankIslami aims to provide you with a quick and hassle-free banking experience. Offering a user-friendly interface, the app brings your banking needs to your fingertips, allowing you to experience a new era of banking with convenience and reliability.

Simply log in with your account or register to enjoy a secure and fast experience.

Key Features and Security Add-ons:

 Security Enhancements:

Security features have been integrated to ensure the protection of users’ data.

Special password protection and advanced security measures, such as “Mobile App Root Detection,” have been implemented for an added layer of protection.

New and Improved Layout:

The user interface has been redesigned for smooth usage on both iOS and Android, making the App more intuitive and user-friendly.

New Functionalities:

Card Transaction History: Easily view your past transactions.

Raast P2M (Payment to Merchant): A seamless way to make payments directly to merchants.

Instant Fund Transfer: Transfer money instantly to any account.

Device Management: Choose between a primary or secondary device for account access.

Account Management: Register or delete your account with ease.

iOS Features: Includes Face ID for secure and quick access.

Login or Registration Method:

1. Tap on the “Create Account” option.
2. Select CNIC or any relevant field.
3. Verify OTP/email.
4. Enter username and password.
5. Username and password created.
6. Cool-down period: 2 hours.

For Biometric Verification:

The application now offers a robust biometric mechanism. Users will be required to scan four fingers by clicking the “Snap” button and then scan their thumbs for verification.

For users with disabilities or abnormal marks on their fingerprints, they can upload the required documents to complete the verification process quickly and efficiently.

Biometric (finger/thumb) Steps

1) Login with user ID/password.

2) Register using NADRA verification.

3) Left/Right finger or thumb scanning.

4) Verification done

Liveliness (picture and CNIC) Steps

1) Login with user ID/password.

2) Document verification.

3) Face snap.

4) CNIC front/back image.

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

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.

CCDM:

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:

Accessibility:

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.

Security:

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.

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.