Welcome to Alfalah
Internet Banking

View your Alfalah Internet Banking transactions instantly online from anywhere in the world.

Access your accounts anytime with Alfalah Internet Banking.

Alfalah Internet Banking gives you the power to view, download, print, or email your account statement whenever you want, from wherever you want.

Top-up your mobile and internet services as soon as you need to!

Transfer money within minutes between your own accounts, other Bank Alfalah accounts, or to any account within the 1-LINK network. Sign up for Alfalah Internet Banking now and unlock these, among a host of other benefits!

Bank Alfalah Internet Banking is a real-time online banking service, offering a simple, convenient and secure method of accessing your Bank Alfalah accounts via the Internet. Through this doorstep banking facility you can conduct your financial transactions at your own time, location and convenience, 24 hours a day, 7 days a week.

• Account balance inquiry
• Mini-statements
• Account statement for one year
• Transferring funds between your Bank Alfalah accounts
• Transferring funds from your Bank Alfalah account to other Bank Alfalah account holders
• Transferring funds to selected 1-LINK & MNET member banks
• Utility bill payments
• Credit card bill payments
• Purchasing mobile phone airtime
• Internet Service Provider Bill Payments
• Donations to selected charitable organizations
• Payments for online shopping

and much more…

Bank Alfalah Internet Banking has the following prerequisites:

• You should be a Bank Alfalah account holder
• Your local cell number must be registered with Bank Alfalah
• Your email address must be updated at Bank Alfalah

Visit bankalfalah.com

1. Go to Internet Banking section and click on the registration button
2. Read the terms and conditions and check the box if you agree to the terms

Select from the following options below:

• Credit Card Customers
• Debit Card Customers
• Account Holder Customers
3. Fill in the following Information:
• CNIC
• Credit/Debit/Account Card number
• Date of birth
• Registered mobile number
• MNP (select from the drop-down menu)
• Username
• Enter ‘Captcha’
• Select a security question and enter its answer
4. Click on the ‘Submit’ button
5. On the next screen, customer’s registered email ID will appear
6. Clicking on the ‘Confirm’ button and a prompt will appear disclaiming to visit nearest branch to perform Biometric Verification
7. After successful biometric verification from branch
8. An OTAC – One time activation code will be generated. The first 5 digits/characters will be sent on your registered email and the last 5 digits/characters will be sent via SMS on your registered cell number.
9. You can log in by combining the OTAC sent to your email and cell number

After filling the above information listed in question number 4, complete the following steps:

• Click on change button and then enter your email ID
• Click the ‘Proceed’ button
• A message will appear to call the contact center at 111 225 111
• Please call the contact center from your registered mobile number
• The Contact Centre will ask you verification questions
• Upon verification an OTAC – One Time Activation Code will be generated. The first 5 digits/characters will be sent on your registered email and the last 5 digits/characters will be sent on via SMS to your registered cell number.
• You can log in by combining the OTAC sent to your email and cell number

This CAPTCHA is purposely scrambled / twisted; just type the code written on it in the “CAPTCHA” field given below to it. You can always refresh the CAPTCHA in-case you are unable to read it.

All transactions performed are available under User Management Menu. Click on User Activity and enter dates to see your transactions. Alternatively you can also check your Mini Statement and Account Statement for the same.

You can view your account statement for one year through Bank Alfalah’s Internet Banking.

Your mini statement will show the last 8 transactions performed on your account.

You can block your Internet Banking account by calling our Call Center at 111-225-111 (UAN) from your registered number. After verifying the customer, Call Center agent will un-subscribe/block the Internet Banking account.

You can unblock your account by calling our Call Center at 111-225-111 (UAN) from your registered number. After verifying the customer, Call Center agent will un-block the Internet Banking account.

Immediately call our Call Center at 111-225-111 to temporary block your Internet Banking account.

Your User ID is confidential and should never be shared with anyone. In case you forget your User ID, please call our Call Centre at 111-225-111 for assistance.

Your password is confidential and should never be shared with anyone. In case you have forgotten your password, please click the “Forgot password” link available on the login page. You will be asked to provide the answer to the security question set at the time of your Internet Banking registration. If you answer the question correctly, you will receive a new, one-time password on your registered email address and mobile number. Alternatively, you can also call our Call Center on 111-225-111 to re-generate a new password.

You cannot change your User ID; however you may change your password through the 'Change Password' option available, below your User ID on the Internet Banking page. If you opted to un-subscribe from Internet Banking, only then you set a new User ID.

Immediately change your password using the 'Change Password' option from the Internet Banking website.

In order to perform different financial transactions, beneficiary creation is required. This is done to better safe guard your Internet Banking account from misuse. For every beneficiary created, a one- time password will be generated and delivered to your registered email address and cell number. Until the one-time password is not entered in the password box, the beneficiary will not be created.

To delete a beneficiary, go to the Beneficiary Management link/ tab and click ‘delete beneficiary’. All your added beneficiaries will be available in this menu. Click on the delete button available in front of the added beneficiary.

You can only register with below accounts:

• Current or Saving Account
• Joint Either or survivor
• Sole proprietor

Loan/Corporate/FCY/Jointly operated accounts are not allowed for registration.

No! Your Internet will be active regardless your debit card status.

You cannot have multiple Internet Banking IDs.

You can change your package by following below Steps:

• Click on change package
• Select the option as per your need
• Select fee account and submit
• Enter OTAC received via email and SME will be generated

Yes! On changing your daily transaction limit the mentioned fee amount will be deducted.

You cannot change your daily transaction limit if you have zero balance in your account.

You can change your fee account by following below Steps:

• Go on Manage Accounts
• Click on Add Account
• Fetch Account title and click on link
• Confirm account and account will be linked successfully

Yes! You can change remove your accounts except from your default account by following these steps:

• Go on Manage Accounts
• Click on Remove Account
• Fetch account title and click on remove
• Account Removed successfully

Yes, you need to create a beneficiary in order to transfer funds from your account to any other Bank Alfalah account through the following procedure:

• Go to the Beneficiary Management menu
• Click Create Beneficiary
• Select Other Bank Alfalah Account
• Enter complete account number with branch code
• Click the GET Button
• Account Title will be auto populated
• Provide the Alias/Nick
• Click Submit button
• A Confirm Beneficiary screen will appear
• Click YES to proceed
• OTP generated to be delivered at your registered email address and cell number
• Enter OTP in the password box
• Click YES button
• Transaction completed

The added beneficiary will appear under the Other BAFL Accounts facility with internet Banking.

You need to create a beneficiary to perform Inter Bank Fund Transfer transactions through the following procedure:

• Go to the Beneficiary Management menu
• Click Create Beneficiary
• Select Inter Bank Fund Transfer
• Select Beneficiary Bank from drop down
• Enter complete account number with branch code
• Click GET Button
• Account Title will be auto populated
• Provide the Alias/Nick
• Click Submit button
• A Confirm Beneficiary screen will appear
• Click YES to proceed
• OTP generated to be delivered at your registered email address and cell number
• Enter OTP in the password box
• Click YES button
• Transaction completed

The added beneficiary will appear under in the Inter Bank Fund Transfer facility with Internet Banking.

Normally, funds are transferred instantly. In case the credit is delayed by more than a day, please call our Call Center at 111-225-111 or write to us at contactus@bankalfalah.com for assistance.

You can transfer funds to any Bank Alfalah account as well as 1-Link member banks and MNET. Following is the list of banks:

1. Allied Bank
2. Meezan Bank
3. Askari Bank
4. JS Bank
5. Sindh Bank
6. KASB Bank
7. Al Baraka Bank
8. Bank Al Habib
9. NIB Bank
10. Samba Bank Limited
11. Bank Islami Pakistan
12. Standard Chartered Bank
13. HabibMetro
14. Bank of Punjab
15. Silk Bank
16. Apna Microfinance Bank
17. Meezan Bank Limited
18. Citi N.A.
19. Soneri Bank
20. MCB
21. Summit Bank
22. U Microfinance Bank
23. Faysal Bank
24. Tameer Bank
25. Finca Micro Finance Bank
26. Burj Bank Limited
27. United Bank Limited
28. Waseela Micro Finance Bank LT

You can pay bills for the following utilities:

1. Electricity
• K-Electric
• LESCO
• GEPCO
• HESCO
2. Gas
• SNGPL
• SSGC
3. Telecom
• Telenor
• Ufone
• Mobilink
• Warid
• Zong
4. Internet Service Provider
• Wateen
• Qubee
• Witribe
• PTCL EVO Prepaid
• PTCL EVO Postpaid

In order to pay your electricity bills, you need to enter the account number printed on the physical bill. Once you have entered the account number, press the GET button. Your bill details will be auto populated.

For gas bills, you need to enter the consumer number printed on the physical bill. Once you have entered the consumer number on the internet banking portal, press the GET button. Your bill details will be populated.

In order to pay your Internet Service Providers Bill, please enter the Customer ID provided by the Internet Service Provider for Wateen and Witribe. Please enter Customer Number for Qubee. For PTCL EVO Post and Prepaid, please enter MDN number.

Normally, it takes less than 15 minutes to credit your bill at the billing company. In case it has been more than a day, please call our Call Center on 111-225-111 for assistance.

You need to create a beneficiary for Mobile Top up transactions through the following procedure:

• Go to the Beneficiary Management menu
• Click Create Beneficiary
• Select Telco Payment
• Select Telco Company from the drop down menu
• Select Prepaid/Postpaid from the drop down menu
• Enter Mobile Number
• Provide Alias/Nick
• Click Submit button
• A Confirm Beneficiary screen will appear
• Click YES to proceed
• OTP generated to be delivered at your registered email address and cell number
• Enter OTP in the password box
• Click YES button
• Transaction completed

The added beneficiary will become available for payment in Bill Payment under the Mobile Top Up menu.

Following are the per transaction limits for Mobile Top Ups Postpaid:

Following are the per transaction limits for Mobile Top Ups Prepaid:

You can now pay LUMS University Fee by entering the voucher number on Alfalah Internet Banking portal. Bill details will appear, simply press the pay button and pay your bill.

You can now pay PTCL Landline/PTCL PSTN and Vfone bills. All you need to do is enter the Account ID printed on the physical bill for PTCL Landline/PTCL PSTN and MDN number for Vfone; enter the same on Alfalah Internet Banking. You bill details will appear, simply press the pay button and pay your bill.

The prerequisites are as follows:

1. You need to have an active Alfalah Credit Card
2. Your local mobile number must be registered with Bank Alfalah
3. Your email address must be updated with the Bank

Follow these steps in order to register for Alfalah Internet Banking:

1. Visit bankalfalah.com
2. Go to Internet Banking section and click on registration button
3. Read and agree to the terms and conditions by checking the box
4. Select the option by clicking ‘credit card customers’
5. Fill in the following Information:
• CNIC
• Credit Card number
• Date of birth
• Registered mobile number
• MNP (select from the drop-down menu)
• Username
• Enter ‘Captcha’
• Select a security question and enter its answer
6. Click on the ‘Submit’ button
7. On the next screen customer’s registered email ID will appear
8. Clicking on the ‘Confirm’ button
9. An OTAC – One time activation code will be generated. The first 5 digits/characters will be sent on your registered email and the last 5 digits/characters will be sent via SMS on your registered cell number.
10. You can log in by combining the OTAC sent to your email and cell number/li>

After filling the above information listed in question number 3, complete the following steps:

1. Click on change button and then enter your email ID
2. Click the ‘Proceed’ button
3. A message will appear to call the contact center at 111 225 111
4. Please call the contact center from your registered mobile number
5. The Contact Centre will ask you verification questions
6. Upon verification an OTAC – One Time Activation Code will be generated. The first 5 digits/characters will be sent on your registered email and the last 5 digits/characters will be sent on via SMS to your registered cell number.
7. You can log in by combining the OTAC sent to your email and cell number

You can only view your Alfalah Credit Card transactions and send certain Credit Card related requests. You will be able to perform financial transactions in near future.

1. Credit Card profile
2. Credit Card summary
3. Request to change contact details
4. Credit Card Renewal request
5. Replacement of Credit Card request
6. Reversal of charges request
7. SMS subscription for credit card transaction request

Yes, you can subscribe through your supplementary credit card.

If your mobile number is on international roaming and is registered with the Bank, your OTAC will be sent to you for first login.

You can subscribe with either one of them.

1. Request to change contact details
2. Credit Card Renewal
3. Replacement of Credit Card
4. Reversal of charges
5. SMS subscription for credit card transaction

Processing time for the above mentioned Credit Card requests is 3 working days.

You can pay your own credit card bills as well as other Bank Alfalah Credit Card bills via Bank Alfalah Internet Banking. Additionally P&G Corporate Customers can also pay their Citibank Credit Card Bill through Bank Alfalah Internet Banking.

You need to create a beneficiary to pay your Bank Alfalah Credit Card bill through the following below procedure:

1. Go to the Beneficiary Management menu
2. Click Create Beneficiary
3. Select Credit Card
4. Select Bank Alfalah Card from the drop down menu
5. Click the Next button
6. Enter
7. CNIC
8. Credit Card number
9. Press Get button (Account title will be populated)
10. Provide Alias/Nick
11. Click Submit button
12. A Confirm Beneficiary screen will appear
13. Click YES to proceed
14. OTP generated to be delivered at your registered email address and cell number
15. Enter OTP in the password box
16. Click YES button
17. Transaction completed

The added Bank Alfalah Credit Card beneficiary will become available in the Credit Card menu for payment.

1. Go on Bank Alfalah Internet Banking
2. Login and Go on online shopping menu
3. Click on Cardwalla and select a product
4. Click on Get bill and make payment
5. Code will be sent on registered cell number

If you didn’t receive the code on your registered cell number then call contact center 111-225-111 to get the code regenerated.

CardWalla electronic vouchers currently work in the following stores:

1. ITunes - USA Store
2. Google Play - USA Store
3. Xbox - USA Store
4. Playstation - USA Store
5. Amazon - USA Store
6. Gilt - USA Store
7. Skype - Global
8. Facebook - Global
9. Nintendo - Global
10. Minecraft Gamecard - Global
11. League of Legends - Global
12. World of Warcraft – Global

For more details please visit https://monami.zendesk.com/hc/en-us

Please follow the procedure below to make payment to Online Merchants:

• Login to Bank Alfalah Internet Banking
• Click on Online Shopping Menu
• Select Merchant
• Select From Account (If the user has more than one account linked)
• Enter amount to be paid
• Enter order number provided by Merchant in the Merchant Order ID field
• Click Proceed button
• Confirm Transaction by clicking Yes button
• Transaction completed

As per the new developments, digital biometric verification will now also be required during sign-up/activation, new device binding, and when changing the email address associated with the account

The Forgot Credentials feature is found on the sign-in page, however, it can only be utilized on a registered device which enhances the security of the account recovery process. Additionally, there is a 2-hour cool-off period after performing this activity.

Customer will tap on ‘Forgot Credentials’ feature. After navigating to ‘Forgot Username’, you will be required to enter your mobile number and CNIC number. After this, you will be required to input OTP (auto-sense/autofetch).

If you cannot remember your password, tap on the ‘Forgot Credentials’ feature. After navigating to ‘Forgot password’, you will be required to enter your username and CNIC number. Following this, you will receive an OTP (auto-sense/auto-fetch). Once your device fetches your OTP, your password will be changed.

If you do not receive your OTP and have exhausted all of your OTP attempts, you will be redirected to perform in-app biometric verification as a back-up authentication tool.

After exhausting your OTP attempts, if you are unable to perform digital biometric as well, the journey will end and you will be required to try again after 24 hours.

You can perform device binding and register the new device against your Alfa profile. After the new device is successfully registered, you may perform the ‘Forgot Credentials’ journey. Tapping on the ‘Forgot Credentials’ journey without device binding will take you on the device binding journey.

The device-binding journey starts when you log-in via an unregistered device. For a successful device bind you will receive an OTP (auto-fetch/auto-sense), after which you have to perform in-app biometric verification. After that, you will be required to create a pin. This is followed by a 2-hour cool off period.

You will not be allowed to proceed if you are not able to receive an OTP. OTP attempts are unlimited.

• If you are unable to perform biometric verification during the device binding process, you will be prompted to ‘Try Another Way’ option. By opting for ‘Try Another Way’ you will be able to upload your live picture and scan your valid original CNIC to proceed with the device binding.
• You may also opt to visit branch and perform biometric verification in branch if you are unable to perform in-app biometric verification. After performing biometric verification in your branch, you will be redirected to ‘Set Pin’ screen.

You can change your email address by navigating to the hamburger/side menu and tapping on the ‘My Alfa app’ option, however, digital biometric verification is required for this process, to ensure security. Additionally, there is a 2-hour cool-off period after performing this activity.

If you are unable to perform biometric verification and have exhausted all your attempts during email address update, you will not be allowed to proceed. You will be allowed to perform in-app digital biometric verification after 24 hours.

Yes, there is a cool-off period of 2 hours after the following activities: successful sign-up/activation, change of email address, change in transaction limit/package, and password reset.

During the cool-off period, you will not be able to perform any transactions. This is an important measure and helps in enhancing security and preventing fraudulent activities.

To register a new device, you just need to login to your Alfa app and it will redirect you to the device binding journey. You will need to input the OTP you receive and then undergo digital biometric authentication to ensure the security of the device binding process.

There is no alternative method if you are unable to scan your CNIC or upload live picture. However, you can always visit your branch and perform biometric verification instead of CNIC authentication or perform the in-app biometric verification after 24 hours.

Yes, this can be done using the verification management feature located in ‘Settings’. This is generally used when a customer is about to travel outside of the country and wants to be exempted from biometric verification. However, to activate this feature, biometric verification is required and the exemption lasts up to 10 days.

The biometric verification exemption will only apply on new device binding, forgot credentials and change of email address.

If you have activated biometric exemption and want to disable it, just navigate to the verification management screen and tap on ‘Remove Exemption’.

• You can wait for 24 hours for your digital biometric attempts to refresh.
• You may visit the nearest Bank Alfalah branch to perform biometric verification.
• Additionally, you can opt for ‘Try Another Way’ option which will pop up after your biometric attempts have been exhausted and then you can sign up using your valid original CNIC and live picture.

These security measures are as per the directives of the State Bank of Pakistan to ensure your financial wellbeing and privacy.

• A user who has signed up using CNIC and live picture will not be able to conduct any sort of financial transaction and will be prompted to conduct biometric verification.
• In-app biometric verification will let you use the app and conduct transactions but only with a limit of PKR 15,000 per day.
• Branch biometric verification will allow the user to have the full Alfa experience with no restrictions on per day limit (excluding package

A protocol developed for transmitting private documents via the Internet. SSL works by using a private key to encrypt data that is transferred over the SSL connection. Both Netscape Navigator and Internet Explorer support SSL and many websites use this protocol to obtain confidential user information, such as credit card numbers and other financial details.

VeriSign is the dominant certificate authority on the internet at present, though many of its certificates are signed as RSA Data Security - a private corporation that acts as a certifying authority and provides certificates.

A term for any device that would prevent undesirables on the global internet from accessing your network. It also often prevents or controls users from getting out to the internet from your local network. A firewall allows only specific kinds of messages from the internet to flow in and out of the internal network. This protects the internal network from intruders or hackers who might try to use the Iinternet to break into those systems.

The following are simple precautions that customers must take to safeguard security when using Bank Alfalah Internet Banking:

Do not disclose your "Login Information" to anyone.

• Never reveal your Login Name/ Password to anyone.
• If you think someone has discovered your password, call us immediately on 111-225-111.
• Bank Alfalah will in no case ask you to send your login / password through an email.

Do not share your email account with anyone. Your email shall be used to send you a temporary password. Therefore, make sure that you do not share your email account with anyone.

Beware of Phishing Scams & Identity thieves

Phishing is an attempt to criminally and fraudulently acquire sensitive information, such as usernames, passwords and credit card details, by masquerading as a trustworthy entity in an electronic communication. It is a serious offence and is also known as identity theft. Phishing refers to creating an imitation of an existing legitimate web page or the use of email to trick users into providing sensitive personal information.

Control access to your PC & do not use publicly-shared PCs for Internet Banking

• Do not allow anyone to install programs on your computer without checking that it is safe to do so.
• Do not use publicly-shared PCs for Internet Banking.

Ensure that you are at the Bank Alfalah Internet Banking website. Look for the SSL secure connection symbol:

• Check the website address before signing in.
• Bank Alfalah uses the latest and strongest cryptographic standards such as SSL (Secure Socket Layer), to protect the information being transferred over the Internet. This symbol will be shown every time you connect with the bank at 128-bit SSL Encryption. No symbol would be displayed if your data is not properly encrypted.

Never store your “Login Name/Password” on your browser.

Most browsers offer a facility to store your “Login Name/Password” for your convenience, but it is highly recommended that you should not use this. If you are using Internet explorer you can avoid this feature by simply going to:

• “Tools” >> “Internet Options” >> “Content”
• Uncheck "User names and passwords on forms" and click on "Clear Passwords"
• Click on "OK" to save your settings

Change your “Password” on regular basis

• Remember to change your password on a regular basis.
• Select a password that cannot be easily guessed or associated with anything personal (for example: names and birth dates). Mix numbers and letters (uppercase & lowercase) to provide additional security.

Keep your computer updated with latest antivirus and firewall updates

• In order to protect your computer from virus attacks, you should keep the computer updated with the latest versions of antivirus and firewall updates.
• Consider buying personal firewall and anti-virus software to provide another level of security between the internet and your computer.

When viewing your personal information, be aware of the environment

• While viewing your personal information or performing transactions online, beware of your surroundings. Make sure that no one can see your information while logging in or performing transactions.
• Though we have programmed the system to log-out automatically after 12 minutes of inactivity, you should never leave your computer unattended while logged in.
• Ensure you have log-out properly by selecting the 'log-out' button at the completion of your Internet Banking Session. Also close your browser after logging out.

Check your account statements on a regular basis

• Look out for transactions you don't remember making - or cash that has been transferred unexpectedly from your bank accounts.
• Always check your transaction history details and statements regularly to make sure that all details are updated and there are no unauthorized transactions on your accounts.
• Take note of your 'last login date and time' whenever you login to Bank Alfalah Internet Banking to make sure that there has not been any unauthorized access.
• If you do find any suspicious transfers or have any doubts, you should immediately call our Contact Center on 111-225-111.

Follow these steps in order to update/delete Alfalah Internet Banking:

1. Visit bankalfalah.com and download the form for corporate/SME Internet Banking.
2. Fill in the required Information.
3. After Company`s Director(s) signature(s) and stamp. Courier/visit the branch to hand over the request to CIBG/SME Branch.

You can view your corporate account details.

1. Balance inquiry
2. Account Statement

Yes, you can download your account statement in:

1. PDF
2. Excel

You can view your account statement for one year through Bank Alfalah’s Internet Banking.

It takes 3 working days for your subscription to get processed on Alfalah Internet Banking

Upon completion of ticket purchase, customers will be shown a confirmation message on Internet Banking. After the transaction is successful, customers will receive a confirmation via SMS & Email from Bookme that will contain the summary of their orders.

There is a ‘No return, No refund’ policy for confirmed Cinema Tickets

In that case the customer can call on the Bookme helpline number (03137786888) or can email Bookme on contact@bookme.pk. After verifying the customer, Bookme will resend ticket codes to the customer so they can get their tickets printed over the counter.

Bookme usually takes 24 hours to resolve all kind of queries.

Account Holder or Authorized Representative nominated by Account Holder

Yes, but requests after 4pm will be processed on the next business day

After 48 working hours of request submission

Yes

No, an NTN is mandatory for Corporate entities

Yes, but after complete processing of current requested Cheque book

No

Yes, the dormant account can be linked. To activate the account, they will need to activate it through the Account Activation option in Overview.

No, to remove other posting restrictions, the customer will need to visit the BAFL branch.

No, currently only individuals can remove dormancy through Internet Banking.

Yes.

Currently, there are no charges for the removal of dormancy.

No documentation is required to remove dormancy through Internet Banking.

No, dormancy can only be removed for linked accounts.

Yes, dormancy removal can be done one account at a time.

No.