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About MCB Live

MCB Live is a digital banking platform offered by MCB Bank, which allows its account holders to avail of online banking services via the web using the link https://mcblive.com/ and mobile apps. MCB Live is available for iOS, Android & Huawei users.

No, there are no service charges for MCB Live Subscription or Activation.

MCB Live enables you to fulfill your banking needs from the comfort of your home, or office on the go. All you need is a compatible mobile device or desktop, an internet connection, and your MCB Live login credentials.

  • Individual MCB Account Holder with an account eligible for MCB Live
  • Joint Account Holder with operating Instructions either or survivor
  • Roshan Digital Account Holder (Resident & Non-Resident)

You will need to register yourself again on MCB Live by creating a new user ID, Password and by performing biometric verification via the app/branch.

No, you need to register yourself on MCB Live again.

The services offered by MCB Live include:

  • Self-Registration
  • Accounts
    • View transaction history
    • View accounts
    • View Mini statement (Last ten transactions)
    • View the transactions performed in the current month
    • View E-statement (statement of maximum last 3 years can be viewed & downloaded)
    • Apply Cheque Book
    • Perform Cheque Inquiry
    • Initiate stop Cheque Request
    • Perform E-statement Subscription & Un-subscription real time
    • Set Account Preference
    • View Notification & Alerts
    • View & Download the Withholding Tax Certificate
    • Change Password
    • Set OTP preference
  • Credit Cards:
    • Apply for New Credit Card
    • View Credit Card Details
    • View Statement
    • Perform Card Payment
    • Block/ Cancel Cards in real-time
    • Update Limit
    • Initiate request for Card Replacement
    • Change Pin in real-time
    • Initiate Request for Supplementary Card
    • Track Service Request Related to Credit Card
    • International Transaction Activation and De-activation
    • Ecommerce Activation and De-activation
    • ATM and POS Transaction Activation and De-activation
    • Subscribe/ Un-subscribe for e-statement
  • Debit Cards
    • View Card Details
    • Enable/Disable International Use
    • Allow E-commerce Use
    • Perform Debit Card Pin changes in real-time
    • Temporarily Block & unblock the Card
    • Activate Debit Card
  • Roshan Digital Accounts (Note: Features available for Roshan Digital Accountholders (Resident & Non-Resident only))
    • Investment in NAYA Pakistan Certificate
    • Initiate Premature Investment Request
    • Roshan Equity Investment
    • Opening of CDC (Central Depository Company) Account
    • Payment to CDC (Central Depository Company)
    • Request for a Repatriation of funds
  • Transfer:
    • Perform Beneficiary Addition
    • Funds Transfer & Interbank Funds Transfer
    • Quick Transfer within MCB (without adding the Beneficiary)
    • Manage Beneficiary I.e. Pay using the added Beneficiary, Edit & Delete Beneficiary
    • Give Donations
    • QR Payments
  • Bill Payment:
    • Educational Institute
    • Utility Companies
    • Mobile Postpaid Bill Payment
    • Perform Top-Up
    • 1 BILL Payments:
    • Other Bank Credit Card Payment
    • 1 BILL Invoice
    • 1 BILL Top-up
  • Account Settings:
    • Change Password
    • Set One Time Password (OTP) Preference
    • View Contact Information
    • Set Primary Account
  • ATM & Branch Locator
  • Register Complaint
  • Contact Us
  • Forgot Password (to reset password)
  • Forgot Username (to retrieve username)
  • Live Chat
  • Alternate Login (Fingerprint/ Face Login)
  • Certificates

Registration/ Login

No, currently you cannot register to MCB Live without an MCB ATM/ Debit Card. All you need is an active MCB ATM/ Debit Card.

  • Local Accountholder with valid/ active Debit Card:
    • Click on the Register Button on the login page
    • Select & enter the Global ID (i.e. CNIC) type & Date of Birth as per bank records.
    • Enter the Active Debit Card Details (i.e. card number, PIN, expiry date/ month).
    • After verification, enter the mobile number registered in the bank. Enter the OTP received on the registered mobile number
    • After OTP for validation, create your username & password according to the guidelines provided.
    • Accept terms & conditions
    • User will be registered on Live successfully
    • After successful registration, activation, and financial transactions facility will be available after performing biometric verification and completion of 2 hours of waiting. Users can perform in-app biometric verification (up to two attempts) or visit any MCB branch to perform biometric verification.
  • Roshan Digital Accountholder (Resident Customers) with valid/active Debit Card:
    • Click on the Register Button on the login page
    • Select & enter the Global ID (i.e. CNIC) type & Date of Birth
    • Enter the Active Debit Card Details (i.e. card number, PIN, expiry date/ month).
    • After verification, enter the registered mobile number, and enter OTP received on the registered mobile number
    • After OTP for validation, create your username & password according to the guidelines provided.
    • Accept terms & conditions
    • User will be registered on MCB Live successfully
    • Users will be able to perform financial transactions after a 2-hour waiting period. However, for instant activation, you can contact the MCB Contact Center (042-111-000-622) from the registered number
  • Roshan Digital Accountholder (Resident customers) without Debit Card (Account-based registration):
    • Click on the Register Button on the login page
    • Select & enter the Global ID (i.e. CNIC) type & Date of Birth
    • Enter your Roshan Digital Account Number and registered mobile number and enter OTP received on the registered mobile number
    • After OTP validation, create your username & password according to the guidelines provided.
    • Accept terms & conditions
    • User will be registered on MCB Live successfully
    • User needs to call MCB Contact Center (042-111-000-622) for the activation of the MCB Live Account
  • Roshan Digital Accountholder Non-Resident customers:
    • Click on the Register Button on the login page
    • Select & enter the Global ID (i.e. CNIC) type & Date of Birth
    • Enter the Roshan Digital Account Number & registered email address, Enter OTP received on the registered email address
    • After OTP validation, create your username & password according to the guidelines provided.
    • Accept terms & conditions
    • User will be registered on MCB Live successfully
    • User will receive two emails, in the first email you will receive an activation link, and in the second email activation code will be sent
    • After clicking on the link received on the registered email address follow the instructions mentioned in the email to complete the registration process and activate MCB Live Account
    • Alternatively, the user can call MCB Contact Center (042-111-000-622) from your registered contact number and activate financial transactions on MCB Live Account
  • Non - Resident Pakistani (NRP)
    • Click on the Register Button on the login page
    • Select & enter the Global ID (i.e. CNIC) type & Date of Birth
    • Enter the Account Number & registered email address, and enter OTP received on your registered email address
    • After OTP validation, create your username & password according to the guidelines provided.
    • Accept terms & conditions
    • User will be registered on MCB Live successfully
    • User will receive two emails on your registered email address, in the first email you will receive an activation link, and in the second email you will receive an activation code
    • After clicking on the link received on the registered email address follow the instructions mentioned in the email to complete the registration process and activate MCB Live Account
    • Alternatively, the user can call MCB Contact Center (042-111-000-622) from the registered contact number and activate financial transactions on MCB Live Account

Make sure the below-mentioned criteria while creating your username for MCB Live are being followed:

  • Username length must be between 8-20
  • Username must be Alphanumeric
  • No special characters and spaces will be allowed
If you are still facing issues, please contact 042-111-000-622.

OTP (One Time Password) is a numeric code sent to customers on their registered mobile number or email and is used for:

  • For adding any beneficiary
  • Performing any Financial/ Non-Financial Transaction
  • Beneficiary/ Biller Addition
  • For Registration
  • For Device Binding
One Time Password (OTP) provides an additional security feature to protect a customer’s account(s) from any unauthorized/fraudulent transaction. OTP is confidential and must not be shared with anyone, even if the person claims to be an MCB Bank official. Please ensure that your mobile number/Email address must be updated in the bank record for receiving OTP.

Please make sure that:

  • You should be connected to the network (In case you have changed your mobile number: Type “MNP” (Mobile Number Portability) in the message text & send it to MCB short code 9460 to update your mobile network).
  • Ensure that short Code 6222 is not blocked
  • Check your registered mobile number or email address
  • If the problem persists, please call MCB Contact Center at 042-111-000-622.

You may face difficulty in receiving transactional alerts and OTP via SMS promptly.

Customers with updated mobile numbers are required to type “MNP” in SMS text and send it to 9460 so that details about the network are updated in our records to ensure smooth SMS delivery at all times.

MCB Live is supported on devices running Android 7.0 / iOS 11.0/ Huawei and above operating systems.

MCB Live is best viewed with all current versions of the below-mentioned browsers:

  • Google Chrome version 70.0.3578 and above
  • Mozilla Firefox version 63 and above
  • Internet Explorer version 11 and above
  • Microsoft Edge and above
  • Safari version 10 and above

All your individual as well as joint accounts (with either or survivor operating instructions only) opened against the ID type will be automatically available on the MCB Live application.

  • Tap on the Biometric/ Face Login option and press Enable Now.
  • Enter username and password on the login screen.
  • The application will ask you to allow the MCB Live app to store Device ID, tap on allow.
  • Please scan your finger or perform facial recognition to confirm.
  • It will enable (if configured on the device) your biometric/ face recognition option for all subsequent logins.

From the bottom menu of the MCB Live application, please select settings. Tap on my preferences and disable the “Alternate Login” toggle button to uncheck the “Biometric/ Face Login” option.

You can retrieve your username through the following mediums:

  • MCB Live web portal and application
  • MCB Contact Center
  • For Debit Card Holders:
    • MCB Live – Forgot Username:
      • Click on the Forgot Username option available on the MCB Live
      • Enter the details for verification
      • Enter the CNIC, Debit Card Number, Debit Card PIN & Expiry
      • Press confirm
      • User will receive ‘Username’ on registered mobile number or email address
    • MCB Contact Center – Forgot Username:
      • Call MCB Contact Center at 042-111-000-622 to retrieve Username
      • After proper verification, the contact center officer will send your Username via SMS/ email.
  • For Non-Debit Card Holders:

You should call MCB Contact Center at 042-111-000-622 to retrieve your username.

You can recover your password in two ways through the MCB Live web portal & application or by calling MCB Contact Center.

  • For Debit Card Holders:
    • MCB Live – Forgot Password:
      • Click on the Forgot Password option available on MCB Live You will be asked to enter the details for verification
      • Enter your User Name, ATM Debit Card Number, ATM Debit Card PIN & Expiry
      • Press confirm
      • Enter OTP received on registered mobile number/ email address as per preference
      • You will be asked to reset your password by entering a new password & confirm the password
      • Your password will be reset successfully.
    • MCB Contact Center – Forgot Password:
      • Call MCB Center at 042-111-000-622 if you have forgotten your MCB Live password
      • After proper verification, the contact center officer will send a link to your registered mobile number or email address.
      • Click on the provided link to create a new password
      • Enter new password & confirm password
      • Your password will be reset successfully

    Note: After changing the password, you will not be able to perform IBFT for one hour for security purposes.

    For Non- Debit Card Holder

    • You can call MCB Contact Center at 042-111-000-622 to reset your password
    • After proper verification, the contact center officer will send a link to your registered mobile number or email address.
    • Click on the link to create a new password
    • Enter new password & confirm password
    • Your password will be reset successfully

  • On the dashboard, click on the Main Menu option.
  • Select the option ‘Account Settings’
  • Under the sub-menu tap on the ‘Change Password’ option
  • On the Change Password screen, the user will be asked to enter the old password, new password & confirm the password
  • Enter the OTP received on your registered email address or SMS
  • Password will be reset successfully & user will be intimated via SMS or email

In case a customer has multiple MCB accounts along with multiple Debit cards, the customer can register to MCB Live App by using any debit card (the relevant account should be active). The customer cannot create another MCB Live Account with another Debit card. Only one MCB Live account can be created against one user.

Only one primary account holder can create One MCB Live account against one joint account. Other account holders cannot create more MCB Live accounts.

For Android handsets, a pop-up will appear on the mobile screen and the user will be given two options ‘Allow’ and ‘Deny’ upon selecting ‘Allow’ the OTP will be auto-filled in MCB Live App. For iOS handsets, OTP will be auto-fetched and appears on the keyboard, by tapping the OTP it will be filled in MCB Live App.

Funds Transfer

You can transfer funds to any Pak Rupee account in Pakistan. You can also pay bills with just a few clicks.

You can access Add Beneficiary option in three ways:

  1. From the Manage Beneficiary option available at Quick Links card on Dashboard
  2. From Menu > Select ‘Transfer Funds’ > Add Beneficiary
  3. You can add a Beneficiary after performing any fund transfer transaction from the "Add as Beneficiary" button.

  • Click the option ‘Add Beneficiary’
  • Add Beneficiary screen will be displayed, enter the 16-digit account number & nickname
  • Verify the account title & press confirm
  • Enter the OTP received on your registered email address/ mobile number
  • After entering OTP, the beneficiary will be added successfully & user will be intimated via SMS or email

  • Click on the ‘Add Beneficiary’ option, and a screen will be displayed to enter Beneficiary Name, select the option ‘Other Bank’ for performing interbank funds transfer, and from the ‘Select Bank’ field select the desired ‘Bank Name’, enter the account number as per IBFT guidelines & press Confirm
  • On the next screen details will be displayed, verify the account title of the beneficiary. After verifying the details, press confirm
  • OTP will be sent to you for verification, enter the OTP & press submit
  • Beneficiary will be added successfully. You will be notified via an email or SMS to your registered email address/mobile number
  • On the Manage Beneficiary screen and in the list of the existing beneficiaries, the added beneficiary will be displayed

Steps to Add New Beneficiary for IBFT using IBAN:

  • Click on the ‘Add Beneficiary’ option, and a screen will be displayed to enter Beneficiary Name, select the option ‘Other Bank’ for performing interbank funds transfer, select ‘IBAN’, and from the ‘Select Bank’ field select the desired ‘Bank Name’, enter the 24-digits IBAN, enter the nickname & press Confirm
  • On the next screen details will be displayed, verify the account title of the beneficiary & Bank Name. After verifying the details, press confirm
  • OTP will be sent to the user for verification, Enter the OTP & press submit
  • Beneficiary will be added successfully.

MFB stands for ‘Microfinance Banks’, i.e. Easypaisa, JazzCash, etc. & EMI stands for ‘Electronic Money Institute’, i.e. Nayapay, Sadapay, etc.

To ensure a seamless and secure digital banking experience with MCB Live, we have taken the initiative of introducing a waiting period of 4 hours after the addition of new beneficiaries of Micro Finance Banks (MFBs) / Electronic Money Institutions (EMIs) for IBFT. Please perform IBFT after 4 hours of beneficiary addition. These steps have been created for the safety and protection of your financial transactions.

To ensure a seamless and secure digital banking experience with MCB Live, after registration, you will be able to log in but will only be able to perform transactions after a 2-hour waiting period. These steps are for the safety and protection of your financial transactions.

The Quick Transfer & Quick Pay option allows you to transfer funds & pay bills without adding a beneficiary or biller.

For security purposes, IBFT through Quick Transfer is currently unavailable. Please add the beneficiary before you perform IBFT at your desired financial institute. However, you can use RAAST for performing quick transfers.

For your security, a waiting period is implemented on consecutive IBFTs. If you face concerns after the waiting period, please contact MCB Contact Centre at 042-111-000-622.

For the security and safety of your funds, the below limits have been placed on IBFT transactions as per the below table:

Revised Limits Per Transaction Limit Daily Limit Monthly Limit
Amount PKR Count-# Amount PKR Count-# Amount PKR
Fund Transfer for Commercial Banks (Internal FT + IBFT + RAAST) 250,000 10 500,000 - -
Microfinance Banks/ EMIs 5,000 10 10,000 30 30,000

Per day accumulative exposure at MCB LIVE:

  • Accumulative limit for all kinds of transactions is 510,000 per day.

Sr. no List of Microfinance Banks (MFBs) Sr. no List of Electronic Money Institutes (EMI)
1 Apna Microfinance Bank 1 FINJA EMI
2 Finca Microfinance Bank Limited 2 NayaPay Private Limited
3 First Microfinance Bank 3 PayMax
4 Khushhali Microfinance Bank 4 SadaPay
5 NRSP Micro Finance Bank 5 Abhi Finance
6 Telenor Micro-Finance Bank Ltd
7 U Microfinance Bank Limited
8 Mobilink Micro Finance Bank

Quick Transfer is currently available for RAAST and Funds Transfer (within MCB)

  • From Hamburger Menu, tap on option 'Funds Transfer' >> 'Quick Transfer'
  • On the Quick Transfer screen, enter the account number, and desired amount & press confirm
  • On the next screen, details of the added beneficiary will be displayed.
  • Verify the account title & press confirm
  • Enter the OTP received on your registered email address or mobile number
  • Funds will be transferred successfully

Yes, funds will be transferred instantaneously.

MCB Live application provides the feature of marking transactions as favorites. If you need to repay to the same person then you can mark favorite at the time of successful transaction. At the end of each transaction, either FT/ IBFT, it offers the option to mark your transaction as a favorite. Using this option, you can save your frequently perform transactions in the list of favorite transactions. It offers you to perform the same transaction in the future quickly without the need to enter beneficiary detail, amount, etc. again.

You can transfer funds to any Pak Rupee account in Pakistan through internal funds transfers and interbank funds transfer.

You can access Add Beneficiary option in three ways:

  1. From the Manage Beneficiary option available at Quick Links card on Dashboard
  2. From Menu > Select ‘Transfer Funds’ > Add Beneficiary
  3. You can add a Beneficiary after performing any fund transfer transaction from the "Add as Beneficiary" button.

  • Open MCB Live App
  • Login to the app
  • Tap on ‘Funds Transfer’
  • Tap on the ‘Add Beneficiary’ option
  • Enter the 16-digit account number & nickname for this beneficiary
  • Verify the account title & press confirm
  • Enter the OTP received on your registered email address/ mobile number
  • After entering OTP, the beneficiary will be added successfully & user will be intimated via SMS or email

  • Open MCB Live App
  • Login to the app
  • Tap on ‘Funds Transfer’
  • Click on the ‘Add Beneficiary’ option, and a screen will be displayed to enter Beneficiary Name, select the option ‘Other Bank’ for performing interbank funds transfer, and from the ‘Select Bank’ field select the desired ‘Bank Name’, enter the account number as per IBFT guidelines & press Confirm
  • On the next screen details will be displayed, verify the account title of the beneficiary. After verifying the details, press confirm
  • OTP will be sent to you for verification, enter the OTP & press submit
  • The beneficiary will be added successfully. You will be notified via an email or SMS to your registered email address/mobile number
  • On the Manage Beneficiary screen and in the list of the existing beneficiaries, the added beneficiary will be displayed

  • Open MCB Live App
  • Login to the app
  • Tap on ‘Funds Transfer’
  • Click on the ‘Add Beneficiary’ option, and a screen will be displayed to enter Beneficiary Name, select the option ‘Other Bank’ for performing interbank funds transfer, select ‘IBAN’, and from the ‘Select Bank’ field select the desired ‘Bank Name’, enter the 24-digits IBAN, enter the nickname & press Confirm
  • On the next screen details will be displayed, verify the account title of the beneficiary & Bank Name. After verifying the details, press confirm
  • OTP will be sent to the user for verification, Enter the OTP & press submit
  • The beneficiary will be added successfully.

MFB stands for ‘Microfinance Banks’ such as Easypaisa, JazzCash, HBL Microfinance Bank etc. & EMI stands for ‘Electronic Money Institute’ such as Nayapay, Sadapay, etc.

To ensure a seamless and secure digital banking experience with MCB Live, we have taken the initiative of introducing a waiting period of 4 hours after the addition of new beneficiaries of Microfinance Banks (MFBs) / Electronic Money Institutions (EMIs) for IBFT. Please perform IBFT after 4 hours of beneficiary addition. These steps have been created for the safety and protection of your financial transactions.

The Quick Transfer & Quick Pay option allows you to transfer funds & pay bills without adding a beneficiary or biller.

For security purposes, IBFT through Quick Transfer is currently unavailable. Please add the beneficiary before you perform IBFT at your desired financial institute. However, you can use RAAST for performing quick transfers.

For your security, a waiting period is implemented on consecutive IBFTs i.e. you cannot perform more than three consecutive IBFTs in a short span of time. If you face concerns after the waiting period, please contact MCB Contact Centre at 042-111-000-622.

For the security and safety of your funds, the below limits have been placed on IBFT transactions as per the below table: For the security and safety of your funds, the below limits have been placed on IBFT transactions as per the below table:

Sr. No.

Transaction

Max Per Trx. Amount (PKR)

Daily Trx. Amount (PKR)

Daily Trx. Count

Monthly Trx. Amount (PKR)

Monthly Trx. Count

1

FT/IBFT/RAAST

(Low Risk)

500,000

500,000

10

-

-

2

Bill Payment

-

-

-

10,000,000

9999

3

MFBs/EMIS

(High Risk)

10,000

25,000

10

50,000

30

Transaction Limits for Unverified Users:

Sr. No

Transaction

Single Trx. Amount (PKR)

Daily Trx. Amount (PKR)

Daily Trx. Count (PKR)

Monthly Trx. Amount (PKR)

Monthly Trx. Count (PKR)

1

FT/IBFT/RAAST

100,000

100,000

10

-

-

2

Bill Payment

-

-

-

100,000

9999

3

Microfinance

5,000

10,000

10

30,000

30

Sr. no

List of Microfinance Banks (MFBs)

Sr. no

List of Electronic Money Institutes (EMI)

1

Apna Microfinance Bank

1

FINJA EMI

2

Finca Microfinance Bank Limited

2

NayaPay Private Limited

3

First Microfinance Bank

3

PayMax

4

Khushhali Microfinance Bank

4

SadaPay

5

NRSP MicroFinance Bank

5

Abhi Finance

6

Telenor Microfinance Bank Ltd/ Easypaisa

   

7

U Microfinance Bank Limited/ UPaisa

   

8

Mobilink Microfinance Bank/ JazzCash

   

 

Quick Transfer is currently available for RAAST and Funds Transfer (within MCB)

  • From Hamburger Menu, tap on option 'Funds Transfer' >> 'Quick Transfer'
  • On the Quick Transfer screen, enter the account number, and desired amount & press confirm
  • On the next screen, details of the added beneficiary will be displayed.
  • Verify the account title & press confirm
  • Enter the OTP received on your registered email address or mobile number
  • Funds will be transferred successfully

Yes, funds will be transferred instantaneously.

MCB Live application provides the feature of marking transactions as favorites. If you need to repay the same person then you can mark your favorite at the time of successful transaction. At the end of each transaction, either FT/ IBFT, it offers the option to mark your transaction as a favorite. Using this option, you can save your frequently performed transactions in the list of favorite transactions. It offers you to perform the same transaction in the future quickly without the need to enter beneficiary detail, amount, etc. again.

Bill Payments

You can “Add Biller” in two ways:

  1. From Hamburger Menu > Select Bill Payment > Select Add Billers
  2. You can add a new Biller after performing any transaction by selecting the “Add as Biller” button

  • On the Pay Bill Screen, select the ‘Category’ of the Bill Payment
  • After selecting the Payment Category list of available billers under that category will be displayed
  • Select the desired Biller & enter the consumer number as per the Biller guidelines
  • After entering the Consumer number, validate the Bill by clicking on validate button
  • On clicking on ‘Validate’ details of the biller will be displayed i.e. Customer Name, Bill Due date, Bill Amount before the due date & after the due date, and the amount payable
  • Verify the Bill Details & press confirm
  • Enter the OTP received on the registered mobile number & email address
  • After entering the OTP, the biller will be added successfully. You will receive intimation via SMS or email.

No, you cannot change your mobile number, address, or email address through MCB Live. You have to visit your nearest branch for this purpose due to security concerns.

  • Open the MCB Live app.
  • Tap on the Help & Support button in the bottom menu bar and select ATM/ Branch Locator.
  • You can enter your location and check the nearest ATM or branch

  • On the dashboard, click on the hamburger menu
  • Click on the ‘Bill Payment’ option
  • From the sub-category, click on the option ‘Quick Bill Pay’
  • Enter the consumer number, select the account & validate the consumer number
  • After validation of consumer number verify the amount to be paid & press submit
  • Verify the Bill details again & press submit
  • Enter the OTP received on the registered email address or mobile number
  • Payment will be done successfully

Yes, you will be able to pay bills instantaneously.

Other banks’ credit card bills can be paid using the 1Bill service of MCB Live.

  • Login to your MCB Live Application
  • Select Pay bills > Add biller > 1 Bill > 1 Bill Other Credit Cards > Enter Card Details > Enter Payment amount and proceed further

RAAST

RAAST is the State Bank of Pakistan’s (SBP) instant payment system that enables end-to-end digital payments among individuals, businesses, and government entities.

RAAST Service is secure & free of cost. To initiate a RAAST transaction the user only requires the mobile number (RAAST ID) of the beneficiary for payment.

Yes, you can transfer funds within MCB via RAAST.

The following types of financial transactions can be performed via RAAST:

  • IBFT (Interbank Funds Transfer) to RAAST ID
  • IBFT (Interbank Funds Transfer) to IBAN
  • FT (Internal Funds Transfer) to RAAST ID
  • FT (Internal Funds Transfer) to IBAN
  • Can receive funds on RAAST ID or IBAN

Yes, the transaction limit will be applicable as per the bank’s allowed limit.

  • Login to MCB Live
  • On the dashboard, click on ‘Manage RAAST ID’
  • Mobile number updated in Bank Records will be displayed, select your MCB account & press ‘Create’
  • Review the details & press submit
  • Enter the OTP received on the registered email address or mobile number & press submit
  • RAAST ID will be created successfully. The user’s registered cell number will be their RAAST ID

No, the user can send money via RAAST without the creation/ registration of a RAAST ID.

At present, transactions via RAAST are Free of Cost.

  • On the dashboard, click on ‘Manage RAAST ID’
  • Click on the ‘re-Link’ option
  • Enter the OTP received on the registered email address or mobile number & press submit
  • Account will be Re-Linked with RAAST ID successfully & customer will be intimated via SMS or email

  • On the dashboard, click on ‘Manage RAAST ID’
  • Click on the ‘De-Link’ option
  • Enter the OTP received on the registered email address or mobile number & press submit
  • Account will be de-linked from RAAST ID successfully & customer will be intimated via SMS or email

  • On the dashboard, click on ‘Manage RAAST ID’
  • Click on the ‘Delete’ option
  • Enter the OTP received on the registered email address or mobile number & press submit
  • RAAST ID will be deleted successfully & customer will be intimated via SMS or email

  • Click on ‘RAAST Transfer’
  • Select the transfer Type ‘IBAN’ or ‘RAAST ID’
  • Enter IBAN of 24 digits or 11 digits RAAST ID
  • Enter the amount
  • Select the purpose of the transaction & press ‘submit’
  • Verify the details and enter the OTP received on the registered email address or mobile number & press submit
  • Funds will be transferred successfully & user will be intimated via SMS

No, currently only one PKR account can be linked to a single RAAST ID.

No, only one RAAST ID can be created for a single individual.

No, only a mobile phone number can be used to create a RAAST ID.

As of now, RAAST is only available for single and Joint Customer accounts (with operating instruction either or survivor) in local currency (PKR).

Yes, the user can unlink an MCB account and link a new one to use RAAST services.

Yes, the user has to first delink his RAAST ID from their other bank account before they can link their MCB account to their ID.

The following set of features are available for MCB account holders:

  1. Registration of RAAST ID
  2. RAAST ID management
    • Relinking of Account with RAAST ID
    • De-Linking of Account from RAAST ID
    • RAAST ID Deletion
  3. Payment via RAAST
  4. RAAST P2P Funds Transfer

Users can register a complaint with their bank by using MCB Live or by calling the MCB Contact Center helpline at 042-111-000-622.

RAAST is the State Bank of Pakistan’s (SBP) instant payment system that enables end-to-end digital payments among individuals, businesses, and government entities.

RAAST Service is secure & free of cost. To initiate a RAAST transaction the user only requires the mobile number (RAAST ID) of the beneficiary for payment.

Yes, you can transfer funds within MCB via RAAST.

The following types of financial transactions can be performed via RAAST:

  • IBFT (Interbank Funds Transfer) to RAAST ID
  • IBFT (Interbank Funds Transfer) to IBAN
  • FT (Internal Funds Transfer) to RAAST ID
  • FT (Internal Funds Transfer) to IBAN
  • Can receive funds on RAAST ID or IBAN

Yes, the transaction limit will be applicable as per the bank’s allowed limit. These are for Local/Non-RDA accounts Transaction Limits for Biometrically verified Users:

Sr. No.

Transaction

Max Per Trx. Amount (PKR)

Daily Trx. Amount (PKR)

Daily Trx. Count

Monthly Trx. Amount (PKR)

Monthly Trx. Count

1

FT/IBFT/RAAST

(Low Risk)

500,000

500,000

10

-

-

2

Bill Payment

-

-

-

10,000,000

9999

3

MFBs/EMIS

(High Risk)

10,000

25,000

10

50,000

30

Transaction Limits for Unverified Users:

Sr. No

Transaction

Single Trx. Amount (PKR)

Daily Trx. Amount (PKR)

Daily Trx. Count (PKR)

Monthly Trx. Amount (PKR)

Monthly Trx. Count (PKR)

1

FT/IBFT/RAAST

100,000

100,000

10

-

-

2

Bill Payment

-

-

-

100,000

9999

3

Microfinance

5,000

10,000

10

30,000

30

  • Login to MCB Live
  • On the dashboard, click on ‘Manage RAAST ID’
  • Mobile number updated in Bank Records will be displayed, select your MCB account & press ‘Create’
  • Review the details & press submit
  • Enter the OTP received on the registered email address or mobile number & press submit
  • RAAST ID will be created successfully. The user’s registered cell number will be their RAAST ID

No, the user can send money via RAAST without the creation/ registration of a RAAST ID.

At present, transactions via RAAST are Free of Cost.

  • On the dashboard, click on ‘Manage RAAST ID’
  • Click on the ‘re-Link’ option
  • Enter the OTP received on the registered email address or mobile number & press submit
  • Account will be Re-Linked with RAAST ID successfully & customer will be intimated via SMS or email
Note: You can re-link your account only after de-linking from another banking app.

De-linking is to remove your RAAST ID from the MCB Live app. You can de-link with the following steps:

  • On the dashboard, click on ‘Manage RAAST ID’
  • Click on the ‘De-Link’ option
  • Enter the OTP received on the registered email address or mobile number & press submit
  • Account will be de-linked from RAAST ID successfully & customer will be intimated via SMS or email

  • On the dashboard, click on ‘Manage RAAST ID’
  • Click on the ‘Delete’ option
  • Enter the OTP received on the registered email address or mobile number & press submit
  • RAAST ID will be deleted successfully & customer will be intimated via SMS or email

  • Click on ‘RAAST Transfer’
  • Select the transfer Type ‘IBAN’ or ‘RAAST ID’
  • Enter IBAN of 24 digits or 11 digits RAAST ID
  • Enter the amount
  • Select the purpose of the transaction & press ‘submit’
  • Verify the details and enter the OTP received on the registered email address or mobile number & press submit
  • Funds will be transferred successfully & user will be intimated via SMS

No, currently only one PKR account can be linked to a single RAAST ID

No, only one RAAST ID can be created for a single individual.

No, only a mobile phone number can be used to create a RAAST ID.

As of now, RAAST is only available for single and Joint Customer accounts (with operating instruction either or survivor) in local currency (PKR).

Yes, the user can unlink an MCB account and link a new one to use RAAST services.

Yes, but the user first has to delink their RAAST ID from their other bank account before they can link their RAAST ID with their MCB account.

The following set of features are available for MCB account holders:

  1. Registration of RAAST ID
  2. RAAST ID management
    • Relinking of Account with RAAST ID
    • De-Linking of Account from RAAST ID
    • RAAST ID Deletion
  3. Payment via RAAST
  4. RAAST P2P Funds Transfer

Users can register a complaint with their bank by using MCB Live or by calling the MCB Contact Center helpline at 042-111-000-622.

Account Statement & Services

Mini Statement is a quick view of your few recent (last ten) transactions with closing balance whereas Full Account statement provides you the convenience to view and also download detailed transactions anytime, with the option to view the last 30-days or 90-days transaction history. You can also specify the date range of your choice for viewing the full account statement. E-statements can be downloaded for the maximum last three years.

  • Login onto MCB Live
  • Tap on the hamburger menu and select Account Settings
  • Tap on the My Limits option where you can view and adjust your daily transaction limits of MCB Live within the Bank as per your accounts assigned limit profile

You can personalize an account number at the time of adding a new beneficiary by giving it a nickname. This way you will be able to easily identify it.

Yes, you can download the Withholding Tax certificate via MCB Live. From Main Menu > Select Certificate > Withholding Tax certificate

Following are the steps to subscribe/ unsubscribe for e-statements:

  1. From the Credit Card Number list, select the Credit Card account for which e-statements are to be subscribed or unsubscribed.
  2. Click the E-statements link to subscribe/unsubscribe for e-statements.
  3. The Pop-up message appears. (‘Unsubscribe to E-statements - You will stop receiving monthly statements for your Credit Card <Number in masked format> by email at <User’s email address>)
  4. Click Unsubscribe, if you wish to opt out of receiving monthly statements on your registered email address.
  5. Click Proceed to Unsubscribe.

Or

Click Cancel to cancel the transaction.

ii. The success message of request submission appears. Click Ok to complete the transaction.

Most of the transactions including bill payments, Mobile Top Ups, and Donation payments conducted through MCB Live are free of cost except for Inter Bank Funds Transfer (Other Bank) which will be applicable as per the prevalent schedule of bank charges.

For the security and safety of your funds, the below limits have been placed on IBFT transactions as per the below table:

Sr. no Transaction Charges
1 Bill payment Free
2 Mobile Top Up Free
3 Government Payment Free
4 Donation Free
5 Funds Transfer Free
6 IBFT Rs. 200 or 0.1% (Whichever is lower) of the transaction amount exceeding the monthly IBFT free limit of Rs.25000/- Inclusive of all applicable FED/ Service Tax etc.
7 Raast Free

The daily limit of transactions is Rs. 500,000. Only this amount can be transferred in a day.

Yes, the transaction limit will be applicable as per the bank’s allowed limit, for further assistance kindly call the MCB Helpline at 042-111-000-622.

Debit Cards

Activate your card through the MCB Live Application:

  • Login to your MCB Live account
  • From the Main Menu
  • Select Account > Current & Savings > Debit Cards > Select inactive Debit Card
  • Change the card status to “Active” by clicking the button
  • Generate a 4-digit New Debit Card PIN & confirm a 4-digit New Debit Card PIN
  • An OTP will be sent to your registered mobile number/ email address for verification
  • After successful OTP validation your debit card will be activated

No, only numbers can be used to generate a PIN.

A customer can view the details of their Debit card(s) where the customer has the option to temporarily block/unblock the card, enable/ disable e-commerce or international usage or change the PIN.

You can change the PIN of your MCB Debit Card through MCB Mobile Application.

  • Login to your MCB Live Application
  • Select Account > Current & Savings > Debit Cards > Manage Cards> Change Debit Card PIN
  • Enter your Old PIN
  • Enter your New PIN & Confirm your new PIN
  • OTP will be sent to your registered mobile number for verification
  • Enter OTP and successfully change your PIN

In case you are facing difficulty while entering your Debit Card PIN contact MCB Contact Center at 042-111-000-622.

No, you cannot activate your permanently blocked debit card via MCB Live.

Yes, you will have to activate your e-commerce session before shopping online

  • Click on the 'Manage Debit Card' Option available under the 'Quick Links' Section
  • Select Account Number
  • Debit Card screen will be displayed with an 'image of Debit Card' along with Card Status & 'Manage Card' Option
  • Click on the 'Manage Card' Option available on the virtual card being displayed
  • A new screen will be displayed with the following options with their status
  • Temporary Block
  • Allow International Use
  • Allow E-commerce Use
  • On the right side of the 'Temporary Block' Option, turn the allow button On
  • A dialogue box will be displayed asking for confirmation for Debit Card Blocking, Press ‘Yes’
  • Debit Card will be temporarily blocked successfully

  • Click on the 'Manage Debit Card' Option available under the 'Quick Links' Section
  • Select Account Number
  • Debit Card screen will be displayed with an 'image of Debit Card' along with Card Status & 'Manage Card' Option
  • Click on the 'Manage Card' Option available on the virtual card being displayed
  • A New Screen will be displayed with the following options with their status
  • Temporary Block
  • Allow International Use
  • Allow E-commerce Use
  • On the right side of the 'Temporary Block' Option, turn the Allow Button Off
  • A dialogue box will be displayed asking for confirmation for Debit Card Blocking, Press ‘Yes’
  • Enter OTP sent to registered email address and press confirm
  • Debit Card Will be unblocked successfully

  • On the Dashboard, click on the 'Manage Debit Card' Option available under the 'Quick Links' Section
  • Select Account Number
  • Debit Card screen will be displayed with an 'image of Debit Card' along with Card Status & 'Manage Card' Option
  • Click on the 'Manage Card' Option available on the virtual card being displayed
  • A New Screen will be displayed with the following options with their status
  • Temporary Block
  • Allow International Use
  • Allow E-commerce Use
  • Turn on the 'Allow' button on the right side of the 'Allow E-commerce Use' Option
  • Enter the OTP sent on the registered mobile number or email address
  • E-commerce Usage should be activated successfully

  • Click on the 'Manage Debit Card' Option available under the 'Quick Links' Section
  • Select Account Number
  • Debit Card screen will be displayed with an 'image of Debit Card' along with Card Status & 'Manage Card' Option
  • Click on the 'Manage Card' Option available on the virtual card being displayed
  • A New Screen will be displayed with the following options with their status:
  • Temporary Block
  • Allow International Use
  • Allow E-commerce Use
  • Turn on the 'Allow' button on the right side of the 'Allow International Use' Option
  • Enter the OTP send on the registered mobile number or email address
  • Internal Usage will be activated successfully

  • On the Dashboard, click on the 'Manage Debit Card' Option available under the 'Quick Links' Section
  • Select Account Number
  • Debit Card screen will be displayed with an 'image of Debit Card' along with Card Status & 'Manage Card' Option
  • Click on the 'Manage Card' Option available on the virtual card being displayed
  • A New Screen will be displayed with the following options with their status:
  • Temporary Block
  • Allow International Use
  • Allow E-commerce Use
  • Turn off the 'Allow' button on the right side of the 'Allow International Use' Option
  • Enter the OTP send on the registered mobile number or email address
  • Internal Usage should be de-activated successfully

Activate your card through the MCB Live Application:

  • Login to your MCB Live account
  • From the Main Menu
  • Select Account > Current & Savings > Debit Cards > Select inactive Debit Card
  • Change the card status to “Active” by toggling the block option
  • Generate a 4-digit New Debit Card PIN & confirm a 4-digit New Debit Card PIN
  • An OTP will be sent to your registered mobile number/ email address for verification
  • After successful OTP validation your debit card will be activated

No, only numbers can be used to generate a PIN.

A customer can view the details of their Debit card(s) where the customer has the option to temporarily block/unblock the card, enable/ disable e-commerce or international usage or change the PIN after verifying your OTP through your registered mobile number

You can change the PIN of your MCB Debit Card through MCB Mobile Application.

  • Login to your MCB Live Application
  • Select Account > Current & Savings > Debit Cards > Manage Cards> Change Debit Card PIN
  • Enter your Old PIN
  • Enter your New PIN & Confirm your new PIN
  • OTP will be sent to your registered mobile number for verification
  • Enter OTP and successfully change your PIN

In case you are facing difficulty while entering your Debit Card PIN contact MCB Contact Center at 042-111-000-622.

No, you cannot activate your permanently blocked debit card via MCB Live.

Yes, you will have to activate your e-commerce session before shopping online.

  • Click on the 'Manage Debit Card' Option available under the 'Quick Links' Section
  • Select your Account
  • Debit Card screen will be displayed with an 'image of Debit Card' along with Card Status & 'Manage Card' Option
  • Click on the 'Manage Card' Option available on the virtual card being displayed
  • A new screen will be displayed with the following options with their status
    • Temporary Block
    • Allow International Use
    • Allow E-commerce Use
  • On the right side of the 'Temporary Block' Option, turn the allow button On
  • A dialogue box will be displayed asking for confirmation for Debit Card Blocking, Press ‘Yes’
  • Debit Card will be temporarily blocked successfully

  • Click on the 'Manage Debit Card' Option available under the 'Quick Links' Section
  • Select your Account
  • Debit Card screen will be displayed with an 'image of Debit Card' along with Card Status & 'Manage Card' Option
  • Click on the 'Manage Card' Option available on the virtual card being displayed
  • A New Screen will be displayed with the following options with their status
    • Temporary Block
    • Allow International Use
    • Allow E-commerce Use
  • On the right side of the 'Temporary Block' Option, turn the Allow Button Off
  • A dialogue box will be displayed asking for confirmation for Debit Card Blocking, Press ‘Yes’
  • Enter OTP sent to registered email address and press confirm
  • Debit Card Will be unblocked successfully

  • On the Dashboard, click on the 'Manage Debit Card' Option available under the 'Quick Links' Section
  • Select Account Number
  • Debit Card screen will be displayed with an 'image of Debit Card' along with Card Status & 'Manage Card' Option
  • Click on the 'Manage Card' Option available on the virtual card being displayed
  • A New Screen will be displayed with the following options with their status
    • Temporary Block
    • Allow International Use
    • Allow E-commerce Use
  • Turn on the ‘Allow’’ button on the right side of the 'Allow E-commerce Use' Option
  • Enter the OTP sent on the registered mobile number or email address
  • E-commerce Usage should be activated successfully

  • Click on the 'Manage Debit Card' Option available under the 'Quick Links' Section
  • Select Account Number
  • Debit Card screen will be displayed with an 'image of Debit Card' along with Card Status & 'Manage Card' Option
  • Click on the 'Manage Card' Option available on the virtual card being displayed
  • A New Screen will be displayed with the following options with their status:
    • Temporary Block
    • Allow International Use
    • Allow E-commerce Use
  • Turn on the ‘Allow’’ button on the right side of the 'Allow International Use' Option
  • Enter the OTP send on the registered mobile number or email address
  • Internal Usage will be activated successfully

  • On the Dashboard, click on the 'Manage Debit Card' Option available under the 'Quick Links' Section
  • Select Account Number
  • Debit Card screen will be displayed with an 'image of Debit Card' along with Card Status & 'Manage Card' Option
  • Click on the 'Manage Card' Option available on the virtual card being displayed
  • A New Screen will be displayed with the following options with their status:
    • Temporary Block
    • Allow International Use
    • Allow E-commerce Use
  • Turn off the ‘Allow’’ button on the right side of the 'Allow International Use' Option
  • Enter the OTP send on the registered mobile number or email address
  • Internal Usage should be de-activated successfully

Customers can request a "New" debit card for their active accounts or request a "Replacement" for their existing debit card.

It is your responsibility to ensure there are no existing card requests of the same type in progress and no active or temporarily blocked cards of the same type/product associated with your account.

Click on the “Apply for a Debit Card” Tab from the Manage Debit Cards section. Select the current or savings account for which you want the new debit card. Fill in the required information.

The name on the card should not exceed 19 characters and should contain the First ‘or’ Last Name of your account title.

You can select the card type from a drop-down menu. Card charges and details can be viewed by tapping the “Schedule of Bank Charges” link on the same screen.

You will be prompted to review and accept the Terms & Conditions through the “Terms and Conditions” link on the same screen.

The debit card will be sent to the address listed in your core banking information, associated with the selected bank account.

Start by clicking on “Manage Debit Cards.” Select the card you want to replace. Tap on the three dots at the bottom of the card picture and choose “Replace Card.”

The debit card number and type will be pre-selected and cannot be changed during the replacement process.

You should input the name that you want to be embossed on the card, which should contain the First or Last Name of your account title and not exceed 19 characters.

You can select the reason from the given options in the drop-down menu, such as Lost, damaged, or stolen.

You will be prompted to review and accept the Terms & Conditions through the “Terms and Conditions” link on the same screen.

Ideally, You will receive your debit card within 7 working days. In exceptional circumstances, The processing time may vary, but you will receive a confirmation message upon successful submission.

If your previous card was temporarily blocked, the system will automatically Block it during the replacement process. However, for permanently blocked cards, you cannot request a replacement and should use the "Apply for a New Debit Card" option.

Information about card charges/details can be found by tapping the “Schedule of Bank Charges” link on the respective screens. Fees may vary based on your account type and the specific card service requested.

You can usually track the status of your request through the mobile app or by contacting customer support for updates.

If you encounter any issues or have questions, please contact our customer support for assistance

Cheque Book Management

Yes, you can apply for a new Cheque book through MCB Live.

  • From the Hamburger Menu option, click on ‘Accounts’ >> ’Current & Saving’, from the submenu click on the option ‘Cheque Book Request’
  • Select the account against which ‘Cheque Book Request’ is to be initiated select the no. of leaves, verify the delivery location, view the disclaimer, and cheque book charges, & press submit
  • Verify the details & press Confirm:
  • Enter the OTP received on the registered email address
  • On clicking submit, Cheque Book Request will be initiated successfully & on-screen confirmation for chequebook initiation will be displayed along with the reference number. Further User will receive an SMS of successful chequebook request initiation on the email address or Mobile Number

Note: Your chequebook will be delivered to your parent branch. You will have to collect it from the respective branch.

Yes, you can mark the stop payment on your cheque via MCB Live.

  • From Hamburger Menu > Account> Current & Saving Account> Cheque Book > Stop Cheque
  • Enter the “Cheque Number” and click on the “Submit” button as shown in the following screen:
  • On-screen status of the cheque can be displayed i.e. Cancelled, Stopped, used, or Unused
  • Enter the Cheque Number, specify the Reason & Press Submit

Yes, you can check your cheque status via MCB Live.

Steps to perform Cheque Status Inquiry:

  • Click on the Hamburger menu, and select the option ‘Current & Saving Account’. From the sub-menu bar, click on the option ‘Cheque Status Inquiry’
  • You will be required to enter the “Cheque Number” and click on the “Submit” button
  • On-screen status of the cheque can be displayed i.e. Cancelled, Stopped, used, or Unused

Credit Cards

A customer can view the details of his/her credit card(s) where the customer can apply for a new/ replace card, temporary block/unblock, enable/disable e-commerce or international usage or change his/her Credit card PIN Yes, you can change your Credit card PIN via MCB Live. From Main Menu > Manage Credit Card > Change PIN

No, currently this facility is available only at MCB Contact Center.

Yes, you can apply for a supplementary Credit card via MCB Live.

From Main Menu > Manage Credit Card > Supplementary Credit Card.

A customer can view the details of an existing Credit Card linked to their account by selecting the manage Credit Card option against a specific card on the Credit Card page.

Following Credit Card features are being offered to customers:

  • Review Credit Card Profile
  • Review Credit Card Details
  • Credit Limit
  • Available Limit
  • Outstanding Payable by the Due Date
  • Current usage including billed/un-billed transactions
  • Apply for a Credit Card
  • Apply for a supplementary Credit Card
  • Credit Card Activation
  • Credit Card PIN generation and PIN change facility
  • Activation/De-activation of Credit cards online and their usage on different channels within and outside Pakistan.
  • Credit Card Bill Payment
  • Utility & Telcos bill payment through Credit Card
  • Request to Replace Credit Card
  • Request to enhance Credit Card Limit
  • E-Statement & E-Alert Activation on Credit Card
  • SMS Alert subscription
  • Temporary Credit Card Blocking and Un-blocking facility
  • Credit Card Statements current and previous statements up to the last 2 years.
  • Card Blocking (Basic or Supplementary Cards) in case of lost/stolen
  • Card Cancellation request (Basic or supplementary card)

Now, you can activate your new Credit Card and generate a PIN code without the need of calling the MCB Contact Center.

Yes, you can activate your Credit Card via MCB Live. Select Menu > Manage Credit Card > Activate Credit Card

  • Select the inactive card
  • Change the card status to “Active” by clicking the button
  • Generate a new PIN & confirm new PIN
  • Click the Activate button
  • An OTP will be sent to your registered mobile number for verification

No, only numbers can be used for a PIN.

Yes, you can change your Credit Card PIN via MCB Live Select Menu > Manage Credit Card > Change PIN

  • Enter your old PIN
  • Enter your new PIN & Confirm your new PIN
  • OTP will be sent to your registered mobile number for verification
  • Enter OTP and successfully change your PIN

In case you are facing difficulty while entering your PIN, please call the MCB Contact Center at 042-111-000-622 for assistance.

This option allows you to keep your Basic or Supplementary Credit Card temporarily blocked and/ or activated as and when required for usage on different channels.

Yes, you can Temporary Block and/or Unblock your Credit Card via MCB Live.

  • Select Menu > Manage Credit Card > Temporary Block Unblock Credit Card

The Card blocking facility enables you to block your Credit Card in case it is lost or stolen.

No, you cannot activate your permanently blocked Credit Card via MCB Live. However, a request for a replacement card can be logged through MCB Live.

Yes, you can replace your Credit Card via MCB LIVE. Select Menu > Manage Credit Card > Replace Credit Card.

Yes, you can apply for a new Credit card via MCB Live.

From Main Menu > Manage Credit Card > Apply for New Credit Card.

Yes, you can apply for a supplementary Credit Card via MCB Live. From Main Menu > Manage Credit Card > Supplementary Credit Card.

Now you can keep your card temporarily blocked or keep your desired channels disabled to avoid misuse of your Credit Card. You can activate your Credit Card and desired channels as and when required from Select Menu > Manage Credit Card > Allow Channel Activation/De-activation/ Temporary Block Unblock Credit Card

Yes, you can activate/ de-activate on the following channels to use your Credit Card via MCB Live:

  • International Transactions (in case of domestic usage only please keep this channel deactivated)
  • ATM: Domestic use only
  • POS: Domestic use only
  • E-Commerce: Domestic and International Transactions including subscription and mail order transactions.
  • Select Menu > Manage Credit Card >Just click on the desired channel for activation/deactivation
  • An OTP will be sent to your registered number
  • After successful OTP verification, your card will be blocked for the selected channel

Yes, you can use your MCB Credit Card as an account and pay Utility Bills, conduct Mobile Top Ups and other payments from MCB Live free of cost.

Customers can view details of an existing Credit Card linked to their account by selecting the manage Credit Card option against a specific card on the Credit Card page.

You can register /activate your Credit Card>

  • From Main Menu > Manage Credit Card > Activate Credit Card

Customers can select the amount they are willing to pay, whether that is the minimum amount due, the outstanding amount, or a specified amount.

All the linked current and savings accounts of the customer will be available for selection from which to make the payment.

Dashboard > Toggle menu > Credit Cards > Card Payment OR Dashboard > My Accounts Widget > Credit Cards > More options > Card Payment

Customers cannot pay more than their current outstanding balance.

  • From the Credit Card Number list, select the Credit Card account for which a statement has to be generated.
  • From the View Option list, select the type of transactions to be viewed. If Billed Transactions is selected;
  • From the Month and Year list, specify the year and month for which to view billed transactions. Based on the period, the credit card statement appears.
  • Click Download Statement to download the statement in PDF format.

Roshan Digital Account (RDA)

  1. The account can only be funded by foreign inward remittances originating from the account holder himself/ herself through formal channels (banks or money transfer companies). No other credit/deposit would be allowed.
  2. The account cannot be funded from within Pakistan, except for the following:
  • The profit and principal repayment against the investment made through the account in the Naya Pakistan Certificate
  • Investment in Pakistan Stock Exchange,
  • Investment in GOP Securities (T-Bills and PIBS)
  • Rent from the property purchased under “own Real estate option”
  • Sale proceeds of own Real Estate option
  • All other legitimate purposes locally as allowed under the relevant Foreign Exchange regulations including online banking (bill payments in Pakistan, Inter/ Intra bank Funds Transfers in Pakistan) and cash withdrawal in Pakistan.

To invest in NPCs, you should have Roshan Digital Account in MCB Bank in one of the following two variants:

  • Roshan Digital Account PKR (only Non-Resident RDA Customers)

Roshan Digital Account FCY (available in USD, GBP & EUR)

Dashboard > Quick Links > Naya Pakistan Certificate

For investing in foreign currency-denominated NPCs, the customer must have a Roshan Digital Account in foreign currency. Similarly, if the customer wants to invest in PKR-denominated NPCs, a Roshan Digital Account in Pak Rupees must be opened with MCB Bank.

For detailed information about NPC, kindly refer to the NPC Information Sheet available on the Banks website & Digital Account Portal. (should be available in MCB Live as well)

You can invest in Naya Pakistan Certificate in the following currencies only

  • PKR
  • USD
  • EUR
  • GBP

If you have an account in PKR currency you can invest in PKR currency only. If you have a multicurrency account type (OFS, OPF, RFC & RFS) i.e. GBP, EUR, USD, AED, SAR, CAD, CHF, or CNY, you can invest in only GBP, EUR & USD currency

No. For investments in NPCs, the customer has to open a Roshan Digital Account.

  • On the dashboard, click on the Roshan Digital Account (RDA) option available under the ‘Quick links’ section All the functionalities available for Roshan Digital Account (RDA) users will be displayed, Click on the ‘Naya Pakistan Certificate’ option
  • Naya Pakistan Screen will be displayed
  • Select the source account, Product Type (Conventional or Sharia), and Deposit Tenor, enter the amount as per provided guidelines & press confirm
  • Verify the details & press confirm
  • Enter the OTP (One Time Password) received on the registered email address & press confirm
  • After entering OTP (One Time Password) request will be successfully initiated.
  • Once the branch process the request you will be informed via email

However, in case of any assistance, customer can contact us at [email protected] or call us at +92-42-3259-5598 (Monday - Friday: 9 AM – 5 PM PST) where our branch staff will be more than willing to assist you.

Note: In case of the source account is in PKR currency, Investment currency will be auto-selected in PKR. For the FCY account, a drop-down menu will be displayed with the following currencies (GBP, EUR, USD)

The Naya Pakistan Certificate is available in both Conventional and Sharia Compliant forms with short-term and long-term tenors. An automatic roll-over facility is not available. Customers also have the option to invest in both PKR and USD-denominated Naya Pakistan Certificates. There is no limit on the maximum investment that can be made.

The tenors for the respective NPCs are as follows:

  • USD denominated: 3-Months/ 6-Months/ 12-Months/ 3-Years/5-Years or any other tenor allowed by SBP
  • PKR denominated: 3-Months/ 6-Months/ 12-Months/ 3-Years/5-Years or any other tenor allowed by SBP

The minimum investment amount for the respective NPCs is as follows

  • USD denominated: USD 5,000 and integral multiples of USD 1,000
  • PKR denominated: PKR 100,000 and integral multiples of PKR 10,000.

The rate of return for NPCs will be communicated by the State Bank of Pakistan from time to time.

  • On the dashboard click on Roshan Digital Account (RDA) option available under the ‘Quick Link’ section
  • From the Roshan Digital Account (RDA) functionalities, select the option ‘Premature Encashment’, Premature encashment screen will be displayed
  • Select the IPS account against which the premature encashment request is to be initiated, the account title against the selected account will be displayed, select the product Type (Conventional or Sharia). After providing the required information, click on ‘View Certificate’
  • IPS Certificate against the selected IPS account will be displayed, select the desired IPS certificate & review the terms & conditions. After accepting the terms & conditions, click on ‘Proceed’.
  • Enter OTP sent to registered email address & press confirm
  • Premature Encashment Request will be initiated successfully & the user will receive confirmation via email

  • On the dashboard, click on the Roshan Digital Account (RDA) option available under the payment section
  • Select the option ‘Repatriation’ option from the Roshan Digital Account (RDA) list
  • Repatriation screen will be displayed
  • Enter the required information & select the currency in which the user wants to repatriate funds. Press Submit after entering all the details
  • On the next screen details will be displayed, verify the bid, offer, applied & converted amount. Provide consent before proceeding by marking check & press Confirm
  • Enter OTP received on email & press confirm
  • Repatriation request will be initiated successfully & will be processed by the branch within 2 working days.

Steps to initiate Roshan Equity Investment Request (For RDA non-Resident Customers only)

  • On the dashboard, click on the Roshan Digital Account (RDA) option available under the payment section
  • Select the option ‘Roshan Equity’ from the Roshan Digital Account (RDA) list
  • After selecting the Roshan Equity option, the Disclaimer/ notice by CDC (Central Depository Company) will be displayed in English by default. Users can review the terms & conditions in Urdu too. Provide consent by selecting ‘I accept’ & click on Proceed
  • Terms & Conditions will be displayed, after reviewing the terms. Provide consent & click on Proceed further
  • On the next screen List of Broker, terms & conditions of CDC (Central Depository Company) & source account.
  • Request will be initiated successfully. Once the request is processed by CDC (Central Depository Company), the users account will be opened

Note: Only Roshan digital account in PKR currency will reflect in the account list i.e. Account Type (OPP & OPS) will reflect in the list only. Provide consent & click on submit

Steps to initiate Payment to CDC (Central Depository Company);

  • On the dashboard, click on the Roshan Digital Account option available under the payment section
  • Select the option ‘CDC Payment’ from the Roshan Digital Account list
  • Select the account number, enter the amount & click on ‘Pay’
  • Verify the details & press confirm
  • Enter the OTP received on the registered email address & press confirm
  • CDC payment will be initiated successfully & will be credited to the CDC account in real time

Yes, you can lodge a complaint via MCB Live under the complaint section.

Yes, now you can transfer the outstanding balance of another bank's Credit Card on your MCB Visa Credit as an online balance transfer facility (BTF) through the 1Bill option.

Currently, RDA customers do not have the option to change their OTP preference within the app.

Currently, MCB Live alerts are only sent to the registered email addresses of the customers.

The upcoming development aims to enable MCB Live alerts to be received on both Email and SMS, specifically for customers with international contact numbers.

All MCB Live alerts, including OTP (One-Time Password), Login alerts, Transaction alerts, etc., will be impacted by this change.

No, currently RDA customers cannot change their OTP preference from email to a mobile number.

After this change, all customers with international contact numbers updated in CBS will automatically receive their alerts on both their registered email and contact number.

The SMS short-code for MCB Live alerts will be masked as "MCBPak," except for customers in the USA and Canada. Customers in the USA and Canada will receive SMS from the short-code 18332604704.

Yes, customers in the USA and Canada will receive MCB Live alerts from a specific short-code, 18332604704, while customers in other countries will see the short-code as "MCBPak."

This development will enhance the customer experience by allowing RDA/abroad customers to receive MCB Live alerts through both email and SMS, even if they have international contact numbers. This ensures better security and convenience for these customers.

MCB Funds

Folio number is a unique identifier assigned to an investment account and is used to track your investments with an Asset Management Company. Customer can either have a single Folio or they can also open multiple Folios as per requirement.

A Mutual Fund is a large pool of money managed by a team of experienced individuals as part of a licensed Asset Management Company. The money collected from investors is invested in securities such as stocks, bonds, money market instruments and other assets to generate returns for investors.

Mutual Funds, operated by Asset Management Companies (AMCs), are licensed by the regulator after meeting a range of requirements. A Mutual Fund is set up under a trust structure with a 3rd party entity designated as the trustee. All investments, made by the fund, bank accounts, transactions, are managed by the trustee, according to the advice of the AMC. The trustee is obligated to follow the instructions of the AMC, as long as these instructions do not violate the “Trust Deed” which is a legal agreement signed by the AMC and the trustee that governs the operating framework of the trust. (i.e. the mutual fund).

  1. Open-end Funds: Open-end mutual funds allow investors to invest and redeem (withdraw) their money whenever they want. They continually create new units or redeem issued units on demand and are also known as Unit Trusts. The unit holders buy the units of the fund or may redeem them on a continuous basis at the prevailing Net Asset Value (NAV). These units can be purchased and redeemed through a Management Company, which announces offer and redemption prices on a regular basis.
  2. Close-ended Funds: These funds have a fixed number of shares like a public company and are floated through an IPO. Once issued, they can be bought and sold at the market rates at the Stock Exchange, where they are listed at the prevailing rates at any point of time

A fund’s Net Asset Value (NAV) represents the value per unit. The NAV is equal to the market worth of assets held in the portfolio of a Fund, minus liabilities, divided by the number of units currently issued to investors. NAV Per Unit = (Current Market Value of all the Assets – Liabilities) / Total Number of Units Outstanding The sales and redemption price of units might be different from the NAV if there is an element of “Sales Load / Front End Load” or “Back End Load”. The sale and redemption price is declared on a daily basis by the funds and can be viewed on their websites.

Sales Load/Front-End Load is a small service fee charged to an investor when buying or redeeming shares in a mutual fund. The fee compensates the sales team for their efforts and is mandatory to be disclosed before any payment is made.

Back-End Load is charged when customers withdraw money from funds. This is rarely used and is applied only in case of funds that have a “lock in” period. Again, it is mandatory to disclose the fee before a customer signs up for the product.

A benchmark is a standard against which the performance of a security, mutual fund or investment manager can be measured. A Mutual Fund’s performance is compared with the benchmark in order to find out whether the fund performed better than the market.

  • Track your investments anytime, anywhere
  • Ability to perform transactions conveniently
  • Start investing from as low as Rs 500
  • Safe and secure saving in a solid institution
  • Strong security measures and ensure that only you can access your information
  • Paperless account opening

Yes, you can invest in as many funds as you want that are available in MCB Live application.

It depends on the type of funds. However, you can start with as low as Rs 500 for some funds available on MCB Live.

Yes, Zakat will be deducted unless Zakat Exemption Declaration Form (CZ-50) / Zakat Affidavit is submitted to the company. If you have your Zakat Affidavit with you and your profile says that you are not exempt from Zakat, you need to simply take a picture of the Zakat Affidavit from your phone and email it to [email protected] with your CNIC number from your registered email address and we will take care of the rest.

You can invest for as long as you wish. However, please ensure that the fund you choose is based on how long you wish to invest and what your financial requirements and risk appetite are.

Simply login to your MCB Live application and access MCB Funds feature, hit the redeem button and choose the fund from which you wish to withdraw funds. After due process the funds would be credited in your selected MCB account.

There are certain character count limits defined for each input category, e.g. customer may enter Email address of maximum 60 characters.

A confirmation email/ SMS will be sent to the MCB Account Holder on his registered Email Address/ Mobile Number after the account is mapped successfully.

Currently, MCB Live users can only open Sehl Sarmayakari account from MCB Live application.

The limits are given below:

Account Type Account Title Per Transaction Limit (Rs) Annual Investment Limit (Rs) Lifetime Limit (Rs)
Level-1 Sehl Sarmayakari Account 25,000 100,000 200,000

At the moment customer cannot upgrade their MCB Funds Sehl account from MCB Live application

Yes, all types of existing investments accounts in MCB Funds can be accessed through MCB Live application.

The account opening is instantaneous, however in case there is verification or other error MCB Funds will take 24 hours to process account.

No, only Pakistani individuals can open this account

The eligibility criteria is given below:

  • MCB Account Holders who are using MCB Live App/Web Portal
  • Local Customers (Pakistani only)
  • Individuals over and above 18 years having CNIC issued by NADRA.
  • Principal Account Holder of MCB Bank Limited Only

Device Binding & Biometric Verification

Every time you will log in from a New Device, you will get a prompt to register your device as Trusted Device. To bind your device, follow the below-mentioned steps:

  • Enter your Username, password and tap on sign in.
  • A pop-up for device binding will appear which will auto-fetch the device name. You can also edit and change your device name as per personal preference.
  • Allow auto-fetch or manually enter OTP.
  • Tap on confirm.
  • Perform in-app biometric verification, you can also visit the nearest MCB branch for performing biometric verification. Upon successful biometric verification, your device registration process will be completed.

You can unbind/remove trusted devices from your user via MCB live app or by calling at MCB Contact Centre.

Unbind via MCB Live:

  • Login from the trusted device
  • Tap on Hamburger Menu and Select Account Settings.
  • Tap on the Trusted Devices option. Your registered device(s) will be displayed.
  • Tap on the remove button to remove your device.
  • Prompt will appear. Tap on confirm.
  • Device will be removed from the trusted devices list.

Please note if you remove the same device from which you’re currently logged in, the current session will end and you will have to log in again and perform biometric verification.

Unbind via Call Center:

Please call us at 042-111-000-622. The call center agent will perform the necessary verification and remove your device(s).

If you’re unable to bind the device, please make sure the device is not already bound against another user. If the issue persists kindly call us at 042-111-000-622.

No, you cannot bind more than one device at once.

You can perform biometric verification by visiting the nearest MCB Branch. You need to mention to branch staff that biometric verification needs to be performed for MCB Live Device Verification/ Binding.

For security reasons, there is one user one device check implemented. If a device has already registered with MCB user credentials, then it cannot be registered with another login until it is de-linked from the first user.

MCB Live existing users are now required to validate their devices by performing Biometric verification. Users can perform in-app biometric verification (up to two attempts), in case of failure users can visit MCB’s nearest branch.

Users will face this error when there is a mismatch or unavailability of records. Kindly try again and if the issue persists perform biometrics via the branch after exhausting in-app attempts.

This error appears when there is a technical problem with MCB’s system. You are requested to wait for some time and try again or can call at MCB Helpline for further assistance.

You can unblock your MCB Live account by calling MCB Contact Center at 042-111-000- 622 from your registered number. After verification, Contact Center will unblock you for MCB Live.

Adamjee Travel Insurance

The user should be a registered MCB Live User.

The user should be 18 to 85 years old.

Two types of travel insurances are being offered:

  1. International Travel
  2. Student Travel

Yes, family plans are available but family plans are not available for student travel insurance.

Premium is double for ages of 65 – 85.

System will check age limit criteria and if the customer does not fall under set criteria, system will not accept application and a pop up will be shown: “Minimum age criteria to purchase International Travel Insurance product is from 18 to 85 years old”.

  1. Confirmation Screen along with Policy Number will be displayed on screen by MCB Live
  2. Policy issuance documents will be shared by Adamjee via Email
  3. SMS will be sent to customers after policy issuance via Adamjee.

Your fellow traveler can not be your beneficiary..

In case of discrepant or incorrect information, Customer will call the Adamjee General Insurance call center and Adamjee General will resolve the issue within the agreed TAT, and revert the amount in the customer’s account via IBFT. Moreover, any complaint received at MCB Call Center will be routed to CRU and diverted to Wealth Management for resolution and closure.

Adamjee Life Insurance

The "Insurance" option can be found in the more category available on the dashboard of the MCB Live Application after logging in.

Age bracket is 18 to 60 years.

Under the "Life" category, you can choose from the following insurance plans: Plan A, Plan B, Plan C, and Plan D.

The specific details and coverage of each plan may vary. Please refer to the plan descriptions or contact Adamjee Life for more information regarding the benefits and features of each plan.

The mandatory fields that need to be filled in during the application process include:

  • Email address
  • Occupation (select from given list)
  • Beneficiary details (Name, Relationship, CNIC #, Date of Birth, Address)

For the beneficiary details, you need to provide the following information:

  • Name of the beneficiary
  • Relationship to the policyholder
  • CNIC (Computerized National Identity Card) number of the beneficiary
  • Date of Birth of the beneficiary
  • Address of the beneficiary

Yes, the beneficiary can only be a close relative of the policyholder.

Yes, providing your email address is mandatory during the application process. It is used for communication purposes and to share policy-related documents.

You can select your occupation from the provided list by choosing the option that best matches your profession or work category.

After filling in all the required fields, you will be prompted to accept the Terms and Conditions before proceeding.

Yes, accepting the Terms and Conditions is a mandatory step to proceed with the life insurance application.

The Term Insurance Health Questionnaire is a set of health-related questions that you need to answer. Please respond to the questions with Yes or No as per your true condition.

During the application process, you will be asked to select the account from which the insurance premium will be deducted. Choose the appropriate account for payment.

OTP stands for One-Time Password. It is a unique code that will be sent to your registered mobile number or email address for verification purposes.

Usually it proceeded real-time. But the time it takes to receive the payment confirmation may vary. It depends on the processing speed of the payment gateway and the network connectivity.

Bookme

Upon completion of your successful ticket purchase, you will be directed to an order confirmation page which will contain a thank you note to use our service and provide you with an order confirmation number. A few minutes after your purchase you will receive confirmation SMS & Email that will contain a summary of your order along with an E-ticket.

  • Bus Tickets
  • Cinema Tickets
  • Event Tickets
  • Airline Tickets
  • Hotel reservations

No, you can only make payments through an MCB account.

In case there is any discrepancy/problem in the MCB account then customers can contact the MCB helpline 24/7 to seek support. For book pertaining services, customers are required to contact their helpline (042-111-266563) and email support ([email protected]) 24/7.

If for some reason you did not receive your confirmation email, please check your “junk” and/or “spam” folder to ensure the email was not directed into spam/junk.

Maximum 5 times.

No.

No.

Yes, the user will get a confirmation email.

No, a customer can buy as many tickets as he wants.

Update CNIC Expiry

You will receive a pop-up notification 30 days before your CNIC expiry date.

Tap on the "Update" button in the pop-up notification to proceed with updating your CNIC details.

You will be prompted to enter your CNIC number, issuance date, and confirm your actions with an OTP (One-Time Password).

You will receive the OTP through either SMS or email, depending on your preferred communication method.

Enter the received OTP in the designated field to verify your identity and continue with the CNIC update process.

If you don't update your CNIC details before the expiry date, your CNIC will expire.

After the CNIC expiration, you will be unable to perform financial transactions until your CNIC details are updated. However, you can still log in to the MCB Live app using your existing credentials.

Access the menu or hamburger menu within the MCB Live app and select the option labeled "CNIC Expiry" or a similar option related to updating CNIC details. Follow the instructions on the new screen to enter your renewed CNIC details.

You will need to enter your renewed CNIC details, including the CNIC number and issuance date.

Once you submit the updated CNIC details through the app, your CNIC information will be refreshed in the system, allowing you to resume financial transactions.

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