MCB Live is a digital banking platform offered by MCB Bank, which allows account holders to access online banking services via the web at https://mcblive.com or through mobile apps. MCB Live is available for iOS, Android, and 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, anytime on the go. All you need is a compatible mobile device or desktop, an internet connection, and your MCB Live login credentials.

• Self-Registration
• Accounts
  • View transaction history
  • View account details
  • View mini statement (last 10 transactions)
  • View current month’s transactions
  • View and download e-statements (up to the last 3 years)
  • Apply for cheque book
  • Perform cheque inquiry
  • Initiate stop-cheque request
  • Subscribe/unsubscribe e-statements in real time
  • Set account preferences
  • View notifications & alerts
  • View and download withholding tax certificate
  • Change password
  • Set OTP preference
• Credit Cards
  • Apply for a new credit card
  • View credit card details
  • View statements
  • Perform card payments
  • Block/cancel cards in real time
  • Update limit
  • Request for card replacement
  • Change PIN in real time
  • Request for supplementary card
  • Track service requests related to credit cards
  • Enable/disable international transactions
  • Enable/disable e-commerce transactions
  • Enable/disable ATM and POS transactions
  • Subscribe/unsubscribe for e-statements
  • Avail Quick Cash facility
  • Avail Excess Over Limit facility
• Debit Cards
  • View card details
  • Change debit card PIN in real time
  • Temporarily block & unblock card
  • Activate debit card
  • Apply for/replace debit card
  • Enable/disable international transactions
  • Enable/disable e-commerce transactions
  • Enable/disable ATM and POS transactions
• Roshan Digital Accounts (for Resident & Non-Resident Roshan Digital Account holders only)
  • View card details
  • Change debit card PIN in real time
  • Temporarily block & unblock card
  • Activate debit card
  • Apply for/replace debit card
  • Enable/disable international transactions
  • Enable/disable e-commerce transactions
  • Enable/disable ATM and POS transactions
• Transfer
  • Add beneficiary
  • Funds transfer & interbank funds transfer
  • Quick Transfer (without adding a beneficiary)
  • Manage beneficiaries (pay using added beneficiary, edit & delete)
  • Make donations
  • RAAST payments
• Bill Payments
  • Educational institutions
  • Utility companies
  • Mobile postpaid bill payments
  • Mobile top-up
  • 1BILL payments
  • Other bank credit card payments
  • 1BILL invoices
  • 1BILL top-ups
  • Mobile bundles
  • Prepaid top-ups
• Account Settings
  • Change Password
  • Set OTP preference
  • View contact information
  • Set primary account
• ATM & Branch Locator
• Register Complaint
• Contact Us
• Forgot Password (reset password)
• Forgot Username (retrieve username)
• Live Chat
• Alternate Login (Fingerprint/Face Login)
• Certificates
• Banker's Cheque
• Locker Request
• Insurance
• Investments

Keeping push notifications enabled helps ensure you receive real-time transaction alerts, One-Time Passwords (OTPs), and security updates instantly, supporting overall account safety in line with regulations from the State Bank of Pakistan (SBP).

These features function as essential security controls required before authorizing sessions and completing onboarding. To help protect your account, they are designed to remain active while using the service.

Checking your location helps ensure a secure connection and confirms that account actions are genuinely initiated by you, meeting standard digital banking safety guidelines set by the State Bank of Pakistan (SBP).

Yes, you can register for MCB Live without an MCB ATM/Debit Card.

• Local Accountholder with valid/active Debit Card
  • Click on the Register button on the login page.
  • Select and enter your Global ID (CNIC) type and Date of Birth as per bank records.
  • After verification, enter your registered mobile number and the OTP received.
  • Create a username and password according to the guidelines.
  • Accept the Terms & Conditions.
  • Registration will be successful.
  • For activation, perform biometric verification (in-app, up to 3 attempts) or visit any MCB branch. Financial transactions will be enabled after biometric verification and a 2-hour waiting period.
• Roshan Digital Accountholder (Resident Customers) with valid/active Debit Card
  • Follow the same steps as above, but provide your debit card details (card number, PIN, and expiry date).
  • After OTP validation, create your username and password.
  • Accept the Terms & Conditions.
  • Users will be able to transact after 2 hours. For instant activation, call the MCB Contact Center (042-111-000-622) from your registered number.
• Roshan Digital Accountholder (Resident Customers) without Debit Card (Account-based Registration)
  • Click on the Register button.
  • Enter your Global ID (CNIC), Date of Birth, Account Number, and registered mobile number.
  • Enter the OTP received on your registered mobile number.
  • Create your username and password.
  • Accept the Terms & Conditions.
  • Registration will be successful.
  • Call the MCB Contact Center (042-111-000-622) for account activation.
• Roshan Digital Accountholder (Non-Resident Customers)
  • Click on the Register button.
  • Enter your Global ID (CNIC), Date of Birth, Account Number, and registered email address.
  • Enter the OTP received on your registered email.
  • Create your username and password.
  • Accept the Terms & Conditions.
  • Registration will be successful.
  • You will receive two emails:
    • Activation link
    • Activation code
  • Follow the link and instructions to complete activation.
  • Alternatively, call the MCB Contact Center for activation.
• Non-Resident Pakistani (NRP)
  • Follow the same steps as the Roshan Digital Accountholder (Non-Resident Customers).
  • You will receive two emails on your registered email:
    • One containing the activation link.
    • One containing the activation code.
  • Follow the instructions to complete activation.
  • Alternatively, call the MCB Contact Center for activation.

Ensure your username meets the following criteria:

• Must be 8–20 characters long.
• Must be alphanumeric.
• Must not contain special characters.
• Must not contain spaces.

If you still face issues, call the MCB Contact Center at 042-111-000-622.

No. Only one primary account holder can create one MCB Live account for a joint account. Other holders cannot register separately.

OTP is a numeric code sent to your registered mobile number or email. It is now used only for non-financial transactions and security verification OTP is required for:

• Registration
• Device binding
• Password reset / Forgot Username
• Limit change
• Customer contact information update
• Debit / Credit Card management
• Certificate generation
• RAAST ID Management
• Make Primary Account
• OTP preference

Important: For all financial transactions, customers must now use their T-PIN (Transaction PIN) instead of OTP.

• Ensure network connectivity.
• If you changed your mobile number, type MNP in the SMS text and send it to 9460.
• Ensure shortcodes 6222 and 8222 are not blocked.
• Confirm that your registered mobile number and email address are correct.
• If the issue persists, call the MCB Contact Center at 042-111-000-622.

Yes, you may face delays in receiving alerts and OTPs.
To update, type MNP in SMS text and send it to 9460 to ensure network details are updated in our records.

Yes, MCB Live supports:

• Android 7.0 and above
• iOS 11.0 and above
• Huawei devices

MCB Live works best on the latest versions of:

• Google Chrome 70.0.3578+
• Mozilla Firefox 63+
• Internet Explorer 11+
• Microsoft Edge
• Safari 10+

All individual and joint accounts (primary holder or “either or survivor” accounts) linked to your ID type will automatically appear in the MCB Live app.

• Enter your username and password.
• Tap on Fingerprint/Face Login and select Enable Now.
• Allow the app to store the Device ID.
• Scan your fingerprint or use face recognition to confirm.
• This feature will then be enabled for subsequent logins.

This can only be enabled after MCB Live registration.

• Go to Dashboard > Menu > Account Settings > Change Password.
• Disable the Alternate Login toggle button to uncheck the Biometric/Face Login option.

• Log in to the app.
• Go to Dashboard > Menu > Account Settings > Change Password.
• Enter your current password.
• Verify with OTP (sent to registered mobile/email) and biometric verification.
• A 2-hour cooling period will apply once the password is updated.

Forgot Password – Unbound Device

• Tap Forgot Password on the login screen.
• Enter your CNIC.
• Verify OTP sent to your registered mobile number/email.
• Perform in-app biometric verification.
• Set a new password.
• A 2-hour cooling period will apply.

Forgot Password – Bound Device

• Tap Forgot Password on the login screen.
• A disclaimer will appear stating that an OTP will be sent to your registered mobile number or email for verification.
• Tap Proceed.
• Verify OTP sent to your registered mobile number/email.
• Perform in-app biometric verification.
• Set a new password.
• A 2-hour cooling period will apply.

No. The device must first be registered during the password reset journey by verifying username, debit card, device binding, OTP, and biometric verification.

Call the MCB Contact Center at 042-111-000-622.

• Android: A pop-up appears. Select Allow to auto-fill OTP in the app.
• iOS: OTP appears on the keyboard. Tap to auto-fill.

The cooling period is a 2-hour security lock applied after:

• Registration
• Device registration
• Password reset
• Transaction limit changes

During this time, login and transactions are restricted. A countdown timer is shown in the app.

No. The cooling period is a mandatory security measure. Access is restored once the 2-hour duration completes.

A T-PIN (Transaction PIN) is a secure 4-digit code required to authorize all financial transactions on MCB Live. It replaces OTP for financial transactions.

You can log in and perform non-financial activities without creating a T-PIN, but to perform financial transactions, you must set a T-PIN.

• The first time you log in (if not already set).
• Whenever you attempt a financial transaction without having a T-PIN.
• Manually via: Menu > Account Settings > T-PIN Settings.

Yes. OTP will continue to be used for non-financial transactions such as registration, device binding, limit change, password reset, and customer contact info update debit/credit card management, certificate generation, and RAAST ID management.

Use Menu > T-PIN Settings > Forgot T-PIN. You can create a new T-PIN after OTP verification.

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

You can access the Add Beneficiary option in three ways:

• From the Add Beneficiary option available on the Dashboard.
• From Dashboard > Menu > Transfers > Add New Beneficiary.
• After performing any fund transfer transaction from the New Transfer button.

• Select Add Beneficiary from the Dashboard.
• Enter Beneficiary details (nickname, account type, account number, email – optional).
• Confirm the Beneficiary details.
• Enter the T-PIN to authorize.
• After T-PIN verification, the Beneficiary will be successfully added.
• User will be intimated via SMS or email.

• From the Menu, select Add Beneficiary.
• Enter Beneficiary details (nickname, account type, account number/IBAN, select bank, email – optional).
• Confirm the Beneficiary details.
• Enter the T-PIN to authorize.
• After T-PIN verification, the Beneficiary will be successfully added.

• From the Menu, select Add Beneficiary.
• Enter Beneficiary details (nickname, account type = Other Bank).
• Tap Account Number, select IBAN, and enter the 24-digit IBAN. Press Submit.
• Confirm the Beneficiary details.
• Enter your T-PIN to authorize.
• After T-PIN verification, the Beneficiary will be successfully added.

Edit a Beneficiary

• Tap on Manage Beneficiary.
• Select the Beneficiary and press Edit.
• Update the name and press Update.
• Confirm details and press Confirm.
• Enter your T-PIN to authorize.
• After T-PIN verification, the Beneficiary will be updated.

Delete a Beneficiary

• Tap on Manage Beneficiary.
• Select the Beneficiary and press Edit.
• Tap Delete.
• Confirm details and press Delete.
• The Beneficiary will be deleted.

Edit a Raast Beneficiary

• Tap on Manage Beneficiary.
• Select the Beneficiary and press Edit.
• Update the name and press Update.
• Confirm details and press Confirm.
• Enter your T-PIN to authorize.
• After T-PIN verification, the Beneficiary will be updated.

For added Beneficiary (within MCB or other banks)

• Open MCB Live App and log in.
• Tap on Transfer Funds.
• Select Beneficiary from the list.
• Select (a. From account, b. Send to account, c. Amount, d. Reason) and confirm.
• Funds will be transferred successfully.

Using Raast

• Open MCB Live App and log in.
• Tap on Transfer Funds.
• Select Beneficiary from the list.
• Select (a. From account, b. Send to account, c. Amount, d. Reason) and confirm.
• Funds will be transferred successfully.

Quick Transfer

• Tap Transfer Funds > Quick Transfer.
• Enter Beneficiary details:
• Type
• Account/IBAN
• Bank
• Email (optional)
• Enter (a. From account, b. Send to account, c. Amount, d. Reason).
• Enter your T-PIN to authorize.
• Funds will be transferred successfully.

Quick Transfer (Raast)

• Tap Transfer Funds > Raast > New Transfer.
• Enter Beneficiary details:
• Mobile Number/IBAN option
• Raast ID/IBAN
• Enter your T-PIN to authorize.
• Funds will be transferred successfully.

• MFB: Microfinance Banks (e.g. JazzCash, HBL Microfinance Bank).
• EMI: Electronic Money Institutions (e.g. Nayapay, Sadapay).

The Quick Transfer & Quick Pay options allow you to transfer funds and pay bills without adding a Beneficiary or Biller.

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

Transaction Limits for Biometrically verified Users:

Steps to add a new Biller:

• Go to Dashboard > Menu > Bill Payment.
• Tap on Add Biller directly or go to Pay Bills > Add New Biller.
• Select your biller category.
• Select your biller.
• Enter biller details (bill type, company name, customer ID, nickname) and tap Pay Bill.
• Confirm the biller details.
• Enter your T-PIN to authorize.
• The biller will be added successfully.

• Go to Dashboard > Menu > Bill Payment.
• Select Quick Bill Pay.
• Enter the consumer number, select the account, and validate the consumer number.
• After validation, verify the amount to be paid and press Submit.
• Verify the bill details again and press Submit.
• Enter your T-PIN to authorize.
• Payment will be done successfully.

Yes, bills will be paid instantly.

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

• Go to Dashboard > Menu > Bill Payment.
• Select 1BILL.
• Choose Other Bank Credit Cards, enter card number, enter payment amount, and tap Pay.
• Review payment details (SOBC charges link is also displayed) and tap Confirm.
• Enter your T-PIN and tap Submit.

• Go to Dashboard > Menu > Bill Payment.
• Select Pay Bills.
• Tap Pay Now.
• Review details and tap Continue.
• Tap the Refresh icon to view the bill amount.
• Tap Pay Bill to proceed.
• Your bill will be paid successfully.

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 is secure and free of cost. To initiate a RAAST transaction, only the Beneficiary’s mobile number (RAAST ID) is required.

Yes, you can transfer funds within MCB via RAAST.

The following transactions can be performed via RAAST:

• IBFT to RAAST ID
• IBFT to IBAN
• FT to RAAST ID
• FT to IBAN
• Receive funds on RAAST ID or IBAN

Yes. Transaction limits apply as per the Bank’s allowed limits for Local/Non-RDA accounts.

For Biometrically Verified Users:

• Go to Dashboard > Menu > Raast.
• Tap on Manage ID.
• Enter mobile number.
• Select required account (to be mapped) from the drop-down list.
• Tap Create RAAST ID.
• Enter your T-PIN.
• RAAST ID will be created successfully (registered mobile number becomes the RAAST ID).

No, you can send money via RAAST without creating a RAAST ID.

Currently, RAAST transactions are free of cost.

• Go to Dashboard > Menu > Raast.
• Tap on Manage ID.
• Select Re-Link option.
• Enter OTP received on registered mobile/email and press Submit.
• Account will be re-linked successfully, and you will be intimated via SMS/email.

Currently, RAAST transactions are free of cost.

• Go to Dashboard > Menu > Raast.
• Tap on Manage ID.
• Select Re-Link option.
• Enter OTP received on registered mobile/email and press Submit.
• Account will be re-linked successfully, and you will be intimated via SMS/email.

De-linking means removing your RAAST ID from MCB Live.

Steps:

• Go to Dashboard > Menu > Raast.
• Tap on Manage ID.
• Select De-Link option.
• Enter OTP received on registered mobile/email and press Submit.
• Account will be de-linked successfully, and you will be intimated via SMS/email.

• Go to Dashboard > Menu > Raast.
• Tap on Manage ID.
• Select Delete option.
• Enter OTP received on registered mobile/email and press Submit.
• RAAST ID will be deleted successfully, and you will be intimated via SMS/email.

• Go to Dashboard > Transfer Funds > Raast.
• Select Send to Existing Beneficiary or New Transfer.

For New Transfer:

• Select Raast in Beneficiary Type.
• Enter Mobile Number (Raast ID) or IBAN in Payment Type.
• Tap Transfer Funds.
• Enter Amount.
• Select transaction purpose and press Submit.
• Verify details and enter OTP received on registered mobile/email.
• Funds will be transferred successfully, and you will be intimated via SMS.

No, 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.

Currently, RAAST is available only for single and joint PKR accounts (with operating instruction “either or survivor”).

Yes, you can unlink an existing account and link another account for RAAST services.

Yes, but first the RAAST ID must be de-linked from the other bank account.

• Registration of RAAST ID
• RAAST ID management:
  • Re-linking account with RAAST ID
  • De-linking account from RAAST ID
• RAAST ID deletion
• Payment via RAAST
• RAAST P2P funds transfer

You can register a complaint through the MCB Live app or by calling the MCB Contact Center at 042-111-000-622.

Mini Statement provides a quick view of your last ten transactions with closing balance. Full Account Statement provides detailed transactions with options to:

• Log in to MCB Live.
• Go to Dashboard > Account Management > My Limits.
• You can view your daily transaction limits as per your account’s assigned profile.

By assigning a nickname while adding a Beneficiary, you can personalize and easily identify the account.

Yes. Go to Dashboard > Menu > Certificates > Withholding Tax Certificate.

Ensure your email address is updated in the Bank’s records, then:

• Go to Dashboard > Statement.
• Tap the E-statement icon (top-right).
• Select frequency.
• Tap Subscribe.
• E-statement subscription will be activated.

Most transactions (bill payments, mobile top-ups, donations) are free. Interbank transfers (IBFT) are charged as per the schedule below:

Non RDA customers are allowed to update mobile#, email address and Home address via mcb live.

• Open MCB Live app.
• Tap Help & Support > ATM/Branch Locator.
• Enter your location to view nearest ATM or branch.

This service allows you to receive SMS alerts for Over-The-Counter (OTC) transactions on your MCB accounts

• Log in to MCB Live.
• Go to Dashboard > Menu > Services > SMS Subscription.
• Select Account(s).
• Swipe the toggle button to subscribe.
• Enter TPIN and tap Confirm.

Yes. Charges apply as per the Schedule of Bank Charges (SOBC).

The SOBC link is provided at the end of the subscription screen or on the MCB corporate website.

No. To deactivate, type N and send to 6222 or visit the branch.

Your account must be active (not barred) and your correct mobile number must be registered in the Bank’s system.

• Log in to MCB Live.
• Go to Dashboard > Menu > Debit Card > Manage Debit Card.
• Select the inactive Debit Card.
• Toggle the status to “Active”.
• Generate and confirm a 4-digit new Debit Card PIN.
• Enter OTP sent to your registered mobile/email.
• After OTP validation, your Debit Card will be activated.

No. Only numbers can be used to generate a PIN.

• Change PIN
• Manage Transaction & Blocking (ATM, POS, E-commerce, International, Temporary Block)
• Replace Card

• Go to Dashboard > Menu > Debit Card > Manage Debit Card > Change PIN.
• Enter old PIN.
• Enter and confirm new PIN.
• Enter OTP sent to registered mobile/email.
• Your PIN will be changed successfully.

Contact the MCB Contact Center at 042-111-000-622.

No. Permanently blocked cards cannot be reactivated.

• Go to Dashboard > Menu > Debit Card > Manage Debit Card > Manage Transaction & Blocking.
• Toggle Temporary Block ON.
• Confirm action.
• Card will be temporarily blocked.

• Go to Dashboard > Menu > Debit Card > Manage Debit Card > Manage Transaction & Blocking.
• Toggle Temporary Block ON.
• Confirm action.
• Card will be temporarily blocked.

• Go to Manage Transaction & Blocking.
• Toggle ATM Usage ON/OFF.
• Confirm and enter OTP.

• Go to Manage Transaction & Blocking.
• Toggle POS Usage ON/OFF.
• Confirm and enter OTP.

• Go to Manage Transaction & Blocking.
• Toggle E-commerce Usage ON/OFF.
• Confirm and enter OTP.

• Go to Manage Transaction & Blocking.
• Toggle E-commerce Usage ON/OFF.
• Confirm and enter OTP.

Yes. E-commerce must be enabled before performing online purchases.

• Apply for a new Debit Card.
• Request a replacement card.

• Go to Dashboard > Menu > Debit Card > Apply New Debit Card.
• Select account.
• Choose card type (charges available under SOBC link).
• Enter name on card (max 19 characters; first or last name of account title).
• Review and accept Terms & Conditions.
• Submit request.
• Card will be delivered to your address as per bank records.

Usually within 7 working days. Timelines may vary in exceptional cases.

Ensure no other request of the same type is in progress and no active/blocked card of the same type is linked to your account.

• Go to Dashboard > Menu > Debit Card > Manage Debit Card > Replace Card.
• Select the card for replacement.
• Enter name on card (max 19 characters; first or last name of account title).
• Select reason (Lost, Damaged, Stolen).
• Review and accept Terms & Conditions.
• Submit request.

No. The existing card number and type remain the same.

• If temporarily blocked → system blocks it during replacement.
• If permanently blocked → replacement is not possible; apply for a new card instead.

Yes. Fees depend on account type and card type. Refer to the Schedule of Bank Charges (SOBC).

Check via the MCB Live app or contact the MCB Contact Center.

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

• Go to Dashboard > Services > Cheque Book Request.
• Select the account, choose the number of leaves, verify delivery location, view disclaimer and charges, then press Submit.
• Verify details and press Confirm.
• Enter your TPIN.
• On submitting, your Cheque Book request will be initiated successfully. An on-screen confirmation (with reference number) will be displayed, and you will also receive an SMS/email notification.

Cheque Books are delivered to your parent branch. You will need to collect it from the respective branch.

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

• Go to Dashboard > Services > Stop Cheque Request.
• Enter the Cheque Number and press Submit.
• On-screen status (Cancelled, Stopped, Used, or Unused) will be displayed.
• Specify the reason and press Submit to confirm stop payment.

Yes, you can check the status of a Cheque via MCB Live.

Steps:

• Go to Dashboard > Services > Cheque Status Inquiry.
• Enter the Cheque Number and press Submit.
• On-screen status (Cancelled, Stopped, Used, or Unused) will be displayed.

Customers can view Credit Card details, apply for a new/replacement card, temporarily block/unblock, enable/disable e-commerce or international usage, or change their Credit Card PIN.

No. Currently, PIN re-generation is available only via the MCB Contact Center.

Yes.

• Go to Dashboard > Credit Card > Manage Credit Card > Order Supplementary Credit Card.

Select Manage Credit Card against a specific card on the Credit Card page to view and control features.

• Review Credit Card profile and details.
• View credit limit, available limit, outstanding payable, current usage (billed/unbilled).
• Apply for new or supplementary Credit Card.
• Credit Card activation.
• PIN generation/change.
• Activation/deactivation of cards and usage channels.
• Credit Card bill payment.
• Utility and Telco bill payment via Credit Card.
• Request to replace Credit Card.
• Request to enhance Credit Card limit.
• Subscribe for E-statement & E-alerts.
• Subscribe for SMS alerts.
• Temporary blocking/unblocking.
• View/download Credit Card statements (up to 2 years).
• Block/cancel cards in case of lost/stolen.
• Cancel supplementary card.

New Credit Cards can be activated, and PINs generated directly via MCB Live without calling the Contact Center.

Yes.

• Go to Dashboard > Menu > Credit Card > Activate Credit Card.
• Select inactive card.
• Change card status to “Active”.
• Generate and confirm new PIN.
• Enter OTP sent to your registered mobile.

No. Only numbers can be used.

Yes.

• Go to Dashboard > Menu > Credit Card > Manage Credit Card > Change PIN.
• Enter old PIN.
• Enter and confirm new PIN.
• Enter OTP received on registered mobile.

Call the MCB Contact Center at 042-111-000-622.

It allows you to temporarily block/unblock a Credit Card (Basic or Supplementary) for security or controlled usage.

Yes.

• Go to Dashboard > Menu > Credit Card > Manage Credit Card > Temporary Block/Unblock.

This is the permanent blocking facility in case your Credit Card is lost or stolen.

No. However, you can request a replacement card via MCB Live.

Yes.

• Go to Dashboard > Menu > Credit Card > Manage Credit Card > Replace Credit Card.

Yes.

• Go to Dashboard > Menu > Credit Card > Apply for New Credit Card.

Yes.

• Go tto Dashboard > Menu > Credit Card > Supplementary Credit Card.

Yes. You can:

• Temporarily block your card.
• Disable specific channels (ATM, POS, International, E-commerce).
• Reactivate them as needed via Dashboard > Menu > Credit Card > Manage Credit Card > Channel Activation/Deactivation.

Yes. The following channels can be controlled:

• International Transactions
• ATM (domestic only)
• POS (domestic only)
• E-commerce (domestic/international, subscription, mail order)

Steps:

• Go to Dashboard > Menu > Credit Card > Manage Credit Card > Channel Activation/Deactivation.
• Select desired channel.
• Enter OTP for confirmation.

Yes. You can pay Utility Bills, Mobile Postpaid, Mobile Top-Ups, and Government Payments free of cost via MCB Live.

• Go to Dashboard > Menu > Credit Card > Activate Credit Card.
• Select the card and follow activation prompts.

Go to Dashboard > Menu > Credit Card > Card Payment. Select Credit Card and account to debit. Choose payment type (Minimum Amount Due, Outstanding Balance, or Custom Amount). Enter details and press Submit.

No. Payments cannot exceed the outstanding balance.

• From the Credit Card Number list, select the card.
• Choose transaction type (Billed/Unbilled).
• For billed transactions, select Month & Year.
• Click Download Statement to download in PDF.

• The account can only be funded by foreign inward remittances originating from the account holder via formal channels (banks/money transfer companies).
• Funding from within Pakistan is not allowed, except for:
  • Profit and principal repayment on Naya Pakistan Certificate (NPC).
  • Investments in Pakistan Stock Exchange.
  • Investments in GOP Securities (T-Bills, PIBs).
  • Rent from property purchased under “Own Real Estate Option”.
  • Sale proceeds of property purchased under “Own Real Estate Option”.
  • Other legitimate local purposes allowed under Foreign Exchange regulations, including bill payments, fund transfers, and cash withdrawals in Pakistan.

• Yes. To invest, you must have an MCB Roshan Digital Account in:
  • PKR (for Non-Resident RDA Customers), or
  • FCY (USD, GBP, EUR).

Navigation: Dashboard > Quick Links > Naya Pakistan Certificate.

• PKR
• USD
• EUR
• GBP

If you hold a PKR account → invest only in PKR NPCs.

If you hold a multicurrency account (GBP, EUR, USD, AED, SAR, CAD, CHF, CNY) → invest only in GBP, EUR, USD NPC.

No. Only an RDA can be used to invest in NPCs.

• Go to Dashboard > Quick Links > Roshan Digital Account (RDA) > Naya Pakistan Certificate.
• Select source account, product type (Conventional/Sharia), deposit tenor, and amount.
• Verify details and confirm.
• Enter OTP received on registered email.
• Request will be initiated; confirmation sent via email once branch processes request.

PKR source accounts auto-select PKR investment. For FCY accounts, a drop-down shows GBP, EUR, USD.

• Forms: Conventional & Sharia Compliant.
• Tenors: 3M, 6M, 12M, 3Y, 5Y (or as notified by SBP).
• Minimum Investment:
  • USD 5,000 (multiples of 1,000).
  • PKR 100,000 (multiples of 10,000).
• No automatic roll-over.
• No maximum limit.
• Returns communicated by SBP periodically.

• Go to Dashboard > Menu > Roshan Digital Account (RDA) > Repatriation.
• Enter required details and select currency.
• Review bid/offer and converted amount.
• Provide consent and confirm.
• Enter OTP from email.
• Request initiated; processed within 2 working days.

• Go to Dashboard > Menu > Roshan Digital Account (RDA) > Repatriation.
• Enter required details and select currency.
• Review bid/offer and converted amount.
• Provide consent and confirm.
• Enter OTP from email.
• Request initiated; processed within 2 working days.

• Go to Dashboard > Menu > Roshan Digital Account (RDA) > Roshan Equity.
• Review and accept CDC disclaimer (English/Urdu).
• Review broker list, terms, and source account.
• Submit request. CDC will process and open account.

• Go to Dashboard > Menu > Roshan Digital Account (RDA) > CDC Payment.
• Select account, enter amount, and click Pay.
• Verify details and confirm.
• Enter OTP from email.
• Payment initiated successfully and credited in real time.

Yes. Use the Complaint Section in MCB Live.

Yes. You can use the 1BILL option for online Balance Transfer Facility (BTF).

Primarily RDA/abroad customers. It will also benefit customers whose CBS contact numbers are international (+92 excluded).

Currently, RDA customers cannot change OTP preference in the app.

All alerts (OTP, login, transactions) are sent to registered email addresses.

All alerts, including OTP, login, and transaction alerts.

NO. OTP PREFERENCE CANNOT CURRENTLY BE CHANGED.

Customers with international contact numbers will receive alerts via both email and SMS.

• For most customers: MCBPak.
• For USA/Canada: 18332604704.

Yes. They will receive alerts from short code 18332604704, while others will see MCBPak.

It ensures RDA/abroad customers receive alerts via both email and SMS, improving security and convenience.

No. Device registration is mandatory to use MCB Live securely.

Every time you log in from a new device, you’ll be prompted to register it.

Every time you log in from a new device, you’ll be prompted to register it.

Steps:

• Enter username and password, then tap Sign In.
• On the Device Binding screen, device name will appear (auto-fetched but editable).
• Enter OTP sent to your registered mobile.
• Grant location permission if prompted.
• Perform in-app Biometric Verification or visit an MCB branch if needed.
• Once verified, your device will be registered.

For web, biometric verification must be completed via an already registered mobile app.

Log in with your credentials on the new device and follow the same Device Binding and Biometric Verification steps. Ensure your first device is fully verified before adding another.

Yes.

• Via App:
  • Log in from any trusted device.
  • Go to Dashboard > Menu > Account Settings > My Devices.
  • Select the device and tap Remove, then confirm.
• Via Call Center:
  • Call 042-111-000-622.
  • After verification, the agent will remove the specified device.

You’ll receive an error message. To add a new device, remove one of the currently registered devices first.

No. Only one active session is allowed. Logging in on one device will automatically log you out of the other.

The current session will end, and you’ll need to re-login and re-bind a trusted device.

For security, a device cannot be bound to more than one login until the original binding is removed.

Visit the nearest MCB branch and inform staff that the verification is for MCB Live device registration.

Go to Dashboard > Menu > Account Settings > My Devices. All registered and pending devices will be listed, with options to remove or complete verification.

You will receive SMS alerts on your registered mobile and email notifications whenever there is an update or change to your registered devices.

You’ll be prompted to choose a unique name for each device.

This occurs when biometric records do not match or are unavailable. Try again; if the issue persists, visit a branch for biometric verification after exhausting in-app attempts.

This is a system error. Wait and try again later, or call the MCB Helpline for assistance.

Call the MCB Contact Center at 042-111-000-622 from your registered number. After verification, the agent will unblock your account.

Before traveling abroad, please follow these important steps to avoid disruption in using the MCB Live App:

Update OTP Preferences

• Change your OTP delivery method to Email or select both Email and Mobile Number. This ensures you receive OTPs even if your mobile network is unavailable abroad.

Verify Your Trusted Device

• Make sure your device is already registered and verified as a trusted device.
• Complete biometric verification either through the MCB Live App or by visiting an MCB branch before traveling.

Travel with Your Verified Device

• Always carry your verified device with you and avoid changing devices during your trip.
• Device changes abroad may restrict your access to MCB Live.

The user must be a registered MCB Live user.

18 to 85 years old.

• International Travel
• Student Travel

Yes. Family plans are available (not applicable for student travel insurance).

No. The premium is double for ages 65–85.

The system will reject the application and display a pop-up: “Minimum age criteria to purchase International Travel Insurance product is from 18 to 85 years old.”

• On-screen confirmation in MCB Live with policy number.
• Policy issuance documents shared by Adamjee via email.
• SMS sent by Adamjee after issuance.

No. Fellow travelers cannot be beneficiaries.

The customer must call Adamjee General Insurance at 0800-00242. Adamjee will resolve the issue within the agreed TAT and refund via IBFT. Complaints received at MCB Call Center will be routed to CRU and forwarded to Wealth Management for resolution.

• Log in to MCB Live.
• Go to Dashboard > Menu > Insurance.
• Select from Life, Health, or Travel Insurance.

18 to 60 years.

Plans A, B, C, and D.

Details vary. Please refer to plan descriptions or contact Adamjee Life for full coverage information.

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

• Name.
• Relationship to policyholder.
• CNIC number.
• Date of Birth.
• Address.

Yes. Beneficiaries must be close relatives of the policyholder.

Yes. Email is mandatory for communication and policy documents.

Choose from the provided list the category closest to your profession.

You will be prompted to accept Terms & Conditions before proceeding.

Yes. Acceptance is mandatory.

A set of Yes/No health-related questions you must answer truthfully.

You’ll be asked to select the account from which premiums will be deducted.

A One-Time Password sent to your registered mobile or email for verification.

Usually real-time, but it may vary depending on the payment gateway or network.

After purchase, you’ll see an order confirmation page with a confirmation number. You’ll also receive a confirmation SMS and email with your e-ticket.

• Bus tickets.
• Cinema tickets.
• Event tickets.
• Airline tickets.
• Hotel reservations.

No. Payments can only be made through an MCB account.

For MCB account issues → Call MCB helpline (24/7). For Bookme service issues → Call 042-111-266563 or email [email protected] (24/7).

Check your junk/spam folder.

Maximum 5 attempts.

No.

No.

Yes

No. Customers can buy unlimited tickets.

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

Tap 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 the update with an OTP (One-Time Password).

You will receive the OTP via SMS or email, depending on your registered preference.

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

Your CNIC will expire if not updated before the expiry date.

Once expired, you will not be able to perform financial transactions until your CNIC details are updated. However, you can still log in to the MCB Live app with your existing credentials.

Go to Dashboard > Account Management> CNIC Expiry Update in the MCB Live app. Follow the on-screen instructions to enter your renewed CNIC details.

You must provide your renewed CNIC number and issuance date.

Your CNIC information will be refreshed in the system, and you will regain access to financial transactions.