Any Pakistani citizen holding a valid CNIC/Smart CNIC with a valid mobile number and email.

1. MCB Asaan Digital Current Account
2. MCB Asaan Digital Savings Account
3. MCB Asaan Digital Remittance Current Account
4. MCB Asaan Digital Remittance Savings Account
5. MCB Freelancer PKR Rupee Current Account
6. MCB Freelancer PKR Rupee Saving Account
7. MCB Freelancer Exporter Special Foreign Currency Account

No branch visit is required if biometric verification is successfully completed in-app. However, if biometric verification is unsuccessful or remains pending, the customer will be required to visit any MCB branch to complete Biometric Verification (BMV).

CNIC (front and back), a live photo, proof of income/self-declaration.

No, account opening through the MCB Live App is free of charge.

Real-time if the application is processed successfully through STP with no discrepancies. In case of any discrepancy, the application will be reviewed at the backend and may take up to 2 working days from the date of receipt of complete account opening documents.

For eligible applications processed through Straight Through Processing (STP), the account number is generated instantly in real time upon successful completion of the digital onboarding process.
In cases where additional validations are required (non-STP), the account number will be generated and shared after completion of the necessary verification and approval process

Yes, SBP has set balance and debit/credit limits for simplified digital products. These vary by product type and are mentioned in the next section.

You’ll receive a confirmation SMS/email, and you’ll be able to log in to MCB Live to view account details.

Customers cannot select a branch during digital account opening. MCB Roshan & Universal Digital Centre (Universal Digital Center) will be treated as the parent/reference branch for all digitally opened accounts, including both STP and Non-STP cases

No. Digital account opening is only allowed while being in Pakistan

No. A new-to-bank customer is allowed to open only one digital account per CNIC through the MCB Live App.

Existing MCB customers are not eligible to open Asaan Digital Accounts, as these are restricted to new- to-bank customers only. However, existing customers may apply for a Freelancer Account through the MCB Live App, subject to eligibility criteria and required validations as per the approved process.

MCB Bank complies with the Data Deletion Policy by providing users a clear path to deactivate and close accounts via our branches or helpline, as detailed in our State Bank of Pakistan (SBP) mandated Key Fact Statement (KFS). However, as a scheduled commercial bank, total physical erasure of customer identity and transactional history is legally prohibited. Per SBP regulatory instructions and Section 31 of the Banking Companies Ordinance (BCO) 1962 (outlined in the attached KFS under 'Requirements to open an account' and 'Unclaimed Deposits'), MCB is statutorily required to maintain and track these records for a minimum of 10 years. For further details, please refer to MCB Bank's Privacy Policy: https://www.mcb.com.pk/quick-links/privacy-policy