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Smart card / Debit CARDS

Smart Features

PURCHASING

SmartCard is your debit card for cash free convenience. Use it for your shopping and purchases at a rapidly growing nationwide network of merchant locations including petrol pumps, stores, bakeries, departmental stores, jewelers, travel agents, restaurants, chemists, hospitals etc.

Its simple, safe and convenient to use:

	Shop at locations displaying the Cash Free sign and the MCB Cards logo.

	For payment, no need to pay cash. Simply present your card.

	Merchant will swipe your card for the amount of the transaction.

	You simply authorize your transaction by entering your PIN (Personal Identification Number) yourself. The PIN is for extra security.

	The purchase amount is debited from your account

	To make your transaction safe and secure, MCB has installed State of the art smart terminals at your merchant locations, to ensure your personal convenience. At restaurants & fuel Stations your merchant will bring portable terminals to you for your PIN entry.

Existing MCB ATM Card holders have been automatically provided with the debit facility.
So go use it now!

International Usage
International cardholders have the un-matched advantage of using this facility at millions of Iocations worldwide carrying the

logo.

BILL PAYMENT

Hassled by long queues and short bill- T accepting hours at limited locations? Now you can use the SmartCard to pay your utility bills at the largest nationwide network of MCB ATMs. Pay online and get instant confirmation of payment.


	Make bill payments upto Rs. 20,000 per day per card.

	Currently available for payment of gas bills of Sui Southern Gas customers, this facility is being expanded to cover all utility bill payments.

	Pay as a registered or non-registered user. Registration will help you avoid the time delay in entering details each time you carry out a transaction.

Please fill out the MCB utility bill (i.e. SSGC) payment application form available for your convenience at your MCB online branch.

Easy steps that guide you through Bill Payments

Step 1:	Insert your SmartCard into the ATM and enter your PIN.

Step 2:	Select "Utility bills"

Step 3:	Select Utility type – "SSGC bill"

Step 4:	Select "Registered" (Select Un-Registered if not already registered with MCB)

Step 4a:	If you are Un-Registered, select and enter Consumer No.

Step 5:	Enter bill amount you wish to pay

Step 6:	Select "Yes" if you want to proceed

Step 7:	Collect your card and confirmation slip

FUNDS TRANSFER

Want to avoid the hassle of writing cheques and time-delays in making pay orders, demand drafts and telegraphic transfers? Enjoy the benefit of MCB Funds Transfer facility with your SmartCard at the largest nationwide network of MCB ATMs.

	Transfer funds between a maximum of 8 pre-registered online accounts within the growing network of MCB branches across 30 cities.

	Get round the clock convenience with the largest nationwide network of MCB ATMs.

	Transfers take place instantly & funds become accessible for use

	You can use the balance inquiry facility to reconfirm for your Satisfaction.

Easy steps that guide you through Funds Transfer

Step 1:	Insert your SmartCard into the ATM and enter your PIN.

Step 2:	Select "Funds Transfer"

Step 3:	Enter the amount you want to transfer within the prescribed maximum limit. You can also enter paisas if desired, after the decimal place.

Step 4:	Select your debit account.

Step 5:	Select your credit account.

Step 6:	Collect your ATM receipt, which will show the amount transferred & the ‘to and from’ account number together with the updated available balances in each account.

24 HOURS CASH WITHDRAWALS

The purchasing, bill payment and funds transfer facilities of the SmartCard frees you from the inconvenience of carrying cash. However, your SmartCard gives you the 24-hour freedom to withdraw cash from the largest network of MCB & ATMs across 30 cities in Pakistan and growing. In addition to ATMs, you will also soon be able to withdraw cash from POS terminals at selected merchant outlets.

International Usage

International Cardholders can withdraw cash from their account in Pakistan from a global network of over 634,000 ATMs worldwide with the logo.
So whether you are on a business trip or a vacation, MCB Smart Card will be your trusted companion.

Easy steps that guide you through withdrawal of cash:

Step 1:	Insert your SmartCard into the ATM and enter your PIN.

Step 2:	Select " Fast Cash " for cash withdrawal

Step 3:	Enter amount you wish to withdraw. The ATM will display different amounts ranging from Rs. 500 to 10,000. On pressing the Other Amount key, a new menu will appear on the screen-you can enter the amount of your choice.

Step 4:	Select your debit account.

Step 5:	Collect your cash, card and confirmation slip

BALANCE INQUIRY

Whether abroad or in Pakistan, far from your branch ,
SmartCard gives you the flexibility to instantly obtain your account balance, 24 hours a day, without the inconvenience of calling or visiting a branch.

This service can be availed via any of the following:

	From MCB POS terminals at merchant locations

	At the largest nationwide network of MCB ATMs

	By using the MCB Mobile Banking facility.

Easy steps that guide you through getting Balance Information

At ATMs

Step 1:	Insert your SmartCard into the ATM and enter your PIN.

Step 2:	Select "Balance Inquiry"

Step 3:	Collect slip with your balance information

At POS Terminals**
Step 1:	Present your SmartCard to your merchant.

Step 2:	The merchant will swipe your card to follow a prescribed procedure.

Step 3:	Enter your PIN on being handed a portable POS or a pin-pad and press “Enter”.

Step 4:	Collect slip with your balance information.

* For getting your account balance using Mobile Banking, see the Mobile Banking section.
** Selected merchant locations

MINI STATEMENT

The mini-statement facility gives you 24 hour access to your updated account balance &the status of recent entries for your record keeping and reconciliation.

This service can be availed via any of the following:

	At the largest nationwide network of MCB ATMs.

	By using the MCB Mobile Banking facility.

Easy steps that guide you through getting your Mini Statement


Step 1:	Insert your SmartCard into the ATM and enter your PIN.

Step 2:	Select "Mini-Statement"

Step 3:	Collect slip with your balance information

* For getting your mini-statement using Mobile Banking, see the Mobile Banking section.

MCB MOBILE BANKING

SmartCard holders can enjoy the free 24 hour facility of checking their account information and mini-statements on their mobile phones using SMS (Short Messaging Service) with comfort and peace of mind.

MCB Mobile Banking is available 24 hours, 365 days and gives you quick and easy access to your accounts at a time you find convenient, including all holidays. This facility is also available globally, if you are on roaming with messaging facility provided by your phone service provider. Just call our Call Centre on (021) 111-000-622 or any MCB online branch for assistance.

With MCB Mobile Banking you can:

1. Check your balance
2. View the last 4 transactions of your MCB account(s).

A Free Service
This service is free of charge (however SMS charges of the phone service provider may apply) and is currently available on Instaphone, Mobilink & Ufone.

How to get Connected
If not already enrolled, please visit your branch and fill out an MCB Mobile Banking registration form. You need to provide your mobile phone number and the account number(s) for which you want the service to be activated. Subsequently, you will receive a message on your mobile phone confirming your registration and requesting you to select a PIN (Personal Identification Number) which is for Mobile Banking only.

Your Mobile Banking PIN
PIN is your confidential code for security and it identifies you as an authorized MCB Mobile Banking user. You can select your own PIN:

Step 1:	Access the message function menu from your mobile phone.

Step 2:	Then go to the Write Message screen, and enter your 4 digits PIN by typing the following command: PIN (space)****

Step 3:	Send the message command containing your PIN to the phone number 999 – an exclusively dedicated phone number for MCB Mobile Banking.

Step 4:	Once you receive the confirmation message on your mobile, please call our Call Centre on (021) 111-000-622 or contact your branch for the activation of your service.

Using MCB Mobile Banking
The following simple steps need to be followed from your mobile phone to access the service:

Step 1:	Access the Message function menu from your mobile phone.

Step 2:	Then go to Write message screen and type the required message command, for example: bi (space) ** (space) 1 bi = Balance Inquiry ** = PIN 1 = Account ID (Every account you nominate for the service is assigned a numeric ID)

Step 3:	Send the message command to the phone number 999.

Step 4:	The incoming SMS message will contain the desired information.

For Ufone Power SIM

Step 1:	Access the U-Banking menu from your mobile phone.

Step 2:	Enter your 4 digit numeric PIN code.

Step 3:	Enter your 6 digit account id (i.e. 00000n) where ‘n’ denotes the sequence number of your account, which you nominate in the MCB Mobile Banking form.

Step 4:	Choose the desired option from the given list.

For Mobilink Power SIM

Step 1:	Access the Power Tool menu from your mobile phone.

Step 2:	Go to Mobile Banking Menu

Step 3:	Enter your 4 digit numeric PIN code.

Step 4:	Enter your account id.

Step 5:	Choose the desired option from the given list.

Quick Message Commands

Following is a list of common commands available:
• Balance Inquiry
bi (space) **** (space) 1
• Mini Statement
ms (space) **** (space) 1
• PIN Selection
pin (space)****
• PIN Change
cpin (space) **** (space) nnnn
where nnnn is your new PIN
• Blocking an Account
blk (space) **** (space)
• Un-Blocking an Account
ublk (space) **** (space) 1
• Change Default Account ID
dfa (space) **** (space) 1 or 2
• View Default Account
vdfa (space) ****
Help
Type h and send it to phone number 999.

Step 1:	Access the Power Tool menu from your mobile phone.

Step 2:	Go to Mobile Banking Menu

Step 3:	Enter your 4 digit numeric PIN code.

Step 4:	Enter your account id.

Step 5:	Choose the desired option from the given list.