Roshan Digital Account provides an opportunity for Non-Resident / Overseas Pakistanis to remotely open a bank account with SBP designated Pakistani banks through an entirely digital and online process. This account will enable them to avail banking services like funds transfer, remittances, bills & fee payments, and invest in various instruments including stocks / shares.

Following are eligible to open the Roshan Digital Account:

• Non-resident Pakistani Nationals (NRPs);
• Employees or officials of the Federal / Provincial Government posted abroad.
• Non- Residents holding Pakistan Origin Card (POC).
• Resident Pakistanis with duly declared foreign assets in their latest wealth statement submitted to FBR.

In the light of Income Tax Ordinance, 2001 – Chapter 5, Division II, Section 82 (updated up to 31 Dec 2019), a Non-Resident Person is:

An individual shall be a non-resident individual for a tax year if the individual —

• is outside of Pakistan for a period of, or periods amounting in aggregate to, 183 days or more in the tax year (July to June); or
• is outside of Pakistan for a period of, or periods amounting in aggregate to, 120 or more in the tax year and, in the four years preceding the tax year, has been outside of Pakistan for a period of, or periods amounting in aggregate to, 365 days or more.

Non- Resident Pakistanis can open Pak Rupees and Foreign Currency denominated Roshan Digital Accounts. However, Resident Pakistanis with declared assets abroad can only open a foreign currency denominated Roshan Digital Account.

Non Resident Pakistanis can visit the MCB Digital Account Portal (https://mopss.mcb.com.pk/) to submit an application for Roshan Digital Account opening. Resident Pakistanis (with foreign declared assets) should visit their nearest MCB Bank branch to request for Roshan Digital Account opening.

The turnaround time (TAT) for opening of RDA is 2 working days (48 hours). However, the opening of the account is dependent on submission of documents by the applicant which should be discrepancy free. In case of a discrepancy in the submitted documents, the branch will contact the customer accordingly.

The customer, as per their own convenience, can fill the application form in multiple sessions. The information / data are automatically saved during the process of online submission and can be resumed by re-entering the provided ID Number. Once a document is submitted, you will not be able to make any amendments. We request you to view the documentation requirements prior to starting your application and keep them handy during the application submission process.

If at any point during the application process you have a concern or query please contact us at [email protected] or call us at +92 42 3259 5598 (Monday – Friday: 9AM to 5PM PST) where our branch staff will be more than willing to assist you.

The customer has the option to provide scanned original copies of the following:

1. A certificate from their Employer
2. Valid Work Permit mentioning the name of their Employer
3. Foreign Tax Returns
4. Salary Slips
5. Rent Agreement (in case the source of income is from a rented property)
6. Investment Certificates (in case the source is income is profit from foreign investments)

All information / documents and data shared is secure and will not be divulged. However, the Bank reserves the right to share on demand by the Government of Pakistan, its regulator or on its behalf any assigned governing body.

Customer’s information/documents and data is protected under the General Data Protection Regulation (GDPR) and will not be divulged. However, the Bank reserves the right to share any such information and data that it may be legally obligated to divulge as per local/international laws, rules and regulations etc.

Yes, a customer can open 1 account per available currency for each account category (current / savings).

The profit payment frequency is bi-annually for both PKR and FCY denominated savings Roshan Digital Accounts.

Yes. Given the customer fulfills the RDA eligibility criteria; there is no restriction for existing MCB customers to open a separate Roshan Digital Account.

No, the customer will have to open a new RDA account.

In order to avail the exclusive discounted rates, RDA customer should instruct the following to the remitting bank:

The discounted pricing is as follows:

MCB Bank does not charge any amount as 'Inward Remittance Charges' from our valued Roshan Digital Acccount Holders which means there is no deduction from MCB Bank, however the customer may face 'International Outward Remittance' charges from the sender bank. It is also pertinent to note that these transactions are facilitated/processed through intermediary/correspondent banks/agents who may charge additional correspondent fee in some instances depending upon their arrangement between the Sender and intermediary Banks.

Yes, this account is a special purpose restricted account where the following limitations apply:

1. The account can only be funded by foreign inward remittances through formal channels (banks or money transfer companies). No other credit/deposit would be allowed. In addition, the account cannot be used for business purpose.
2. The account cannot be funded from within Pakistan, except from the profit and principal repayment against the investment made through the account in the Certificate. The account can only be utilized for:
   1. Investment in the Certificate, receiving profit and principal repayment, and
   2. Repatriation of such profit and principal
   3. All other legitimate purposes locally allowed under the relevant Foreign Exchange regulations, including online banking (bill payments in Pakistan, Inter/ Intra bank Fund Transfers in Pakistan) and cash withdrawal in Pakistan

Kindly refer to the table below for the applicable taxes:

Roshan Digital Account allows multiple options for investment which are as follows:

No, in terms of Section 3(1)(a)(b) of the Zakat and Ushr Ordinance, 1980, read with Rule 24-A of the Zakat Collection & Refund Rules, 1981, compulsory deduction of Zakat is not applicable on RDA (PKR and FCY).

In order to invest in NPCs, you should have a bank account in MCB Bank in one of the following two variants:

• Roshan Digital Account – PKR
• Roshan Digital Account – FCY

For investing in USD/GBP/EUR 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 Bank¿s corporate website & Digital Account Portal.

Customers can purchase NPCs by initiating an online request submitted through an online web portal (which will be provided by the Bank) once the account is opened through MCB Digital Account Portal. However, in case of any assistance, customer can contact us at [email protected] or call us at +92 42 3259 5598 (Monday – Friday: 9AM to 5PM PST) where our branch staff will be more than willing to assist you.

Customers must remit funds for investing in Naya Pakistan Certificate from their own bank account being maintained abroad to their Roshan Digital Account in Pakistan.

The Naya Pakistan Certificate is available in both Conventional and Shari’ah Compliant forms with short and long term tenors. Automatic roll-over facility is not available.

Customers also have the option to invest in both PKR/USD/GBP/EUR 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
• GBP denominated: 3-Months/ 6-Months/ 12-Months/ 3-Years/5-Years or any other tenor allowed by SBP
• EUR 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
• GBP denominated: GBP 5,000 and integral multiples of GBP 1,000
• EUR denominated: EUR 5,000 and integral multiples of EUR 1,000

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

Profit will be directly credited to customers’ account upon maturity, after receipt from SBP.

For conventional NPC, early encashment is allowed and profit of broken period will be calculated at the profit rate of the nearest shorter tenor (e.g. 12 months’ certificate encashed in 10th month, profit will be calculated @ profit rate of 6 months’ certificate). No profit on encashment before initial three months.

For Islamic NPC, no profit will be paid on encashment before completion of the first month. For encashment after one month and before 3 months, the investor’s share shall be redeemed at a discounted price by applying a discount on the announced profit rates for that category of investor. After completion of 3 months, the investor shall be given profit of the nearest shorter tenure (e.g. 12 months certificate encashed in 10th month, profit will be calculated @ profit rate of 6 months’ certificate).

Note: Partial encashment is not allowed.

In case of death of the customer, payment of principal amount and profit will be paid to the legal heirs of the deceased in accordance with a valid succession certificate or equivalent document issued in this regard.

In case the customer violates the rules and regulations, the investment in Naya Pakistan Certificate will be redeemed immediately and any benefit already paid may be adjusted.

The NPC cannot be transferred. However, it can be pledged as an eligible security for raising financing in Pakistan subject to such conditions as may be prescribed by SBP / MCB Bank.

The NPC will be exempt from compulsory deduction of Zakat.

In order to invest in Pakistan Stock Exchange, you should have a PKR Roshan Digital Account with MCB Bank. Once your account is opened, you can use your Mobile Banking web portal to approach with Central Depository Company / broker for opening an account by following simple steps.

The profit of the Certificate will be subject to deduction withholding tax on profit at source as a full and final discharge of tax liability. There shall be no requirement for submission of income tax return filings in Pakistan for the NRPs in respect of profit earned on these certificates.The profit of the Certificate will be subject to deduction of 10% (ten) Withholding Tax on profit at source as a full and final discharge of tax liability. There shall be no requirement for submission of income tax return filings in Pakistan for the NRPs in respect of profit earned on these certificates.

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

You can initiate your request for repatriation of funds through the web based mobile portal. The bank will process your request within 2 working days.

Yes, you can apply for a cheque book with your Roshan Digital Pak Rupee Account and Roshan Digital Foreign Currency Account (USD, GBP and EUR only). However, please note that a debit card can be applied for with Roshan Digital Pak Rupee Account only. Your debit card and cheque book request will be processed after receiving 1st deposit/remittance in your respective Roshan Digital Account,

At the time of application submission, you can apply for a debit card and cheque book. You can also apply for a debit card/cheque book by visiting our Digital Account Portal or our corporate website. However, your debut card/cheque book request will be processed after receiving 1st deposit/remittance in your respective Roshan Digital Account.

The debit card / cheque book request will only be processed after receiving 1st deposit/remittance in your Roshan Digital Account. After processing of your request, the debit card / cheque book will be delivered to the Roshan Digital Unit within 4 working days. Once received, the debit card / cheque book will be dispatched to your international address for delivery or to an MCB branch for within country collection. Depending on your geographical location, the debit card / cheque book will be delivered to the international mailing address within 5 - 10 working days

After your Roshan Digital Account has been opened, you can apply for the following:

• Debit Card
• Cheque Book
• Credit Card
• Home Loan
• Auto Loan

For details, kindly visit our website (https://www.mcb.com.pk/) or the Digital Account Portal (https://mopss.mcb.com.pk/).

All customers are encouraged to go through the Terms and Conditions of MCB Mobile which covers topics related to fraud awareness. You can also find more details on how to protect yourself from digital frauds by visiting: https://www.mcb.com.pk/assets/documents/BASS_Security_Tips.pdf

MCB Live is a digital banking platform offered by MCB Bank which allows its account holders to avail online banking services via web or mobile apps.

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

MCB active account holder will be eligible to use MCB Live.

You need to create your account on MCB Live again by creating user ID & Password.

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

The services offered by MCB Live include:

a) Self-Registration
b) 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 Withholding Tax Certificate

c) Credit Cards:
• Apply New Credit Card
• View Credit card Details
• View Statement
• Perform Card Payment
• Block/ Cancel Card in real time
• Update Limits
• Initiate request for Card Replacement
• Change Pin in real time
• Initiate Request for Supplementary Card
• Track Service Request Related to Credit Card

d) Debit Cards
• View Card Details
• Allow International Use
• Allow Ecommerce Use
• Perform Debit Card Pin Change in real time
• Temporarily Block & unblock the Card
• Activate Debit Card

e) Roshan Digital Accounts

Note: (Features available for Roshan Digital Accountholders (Resident & Non-Resident only)
• Investment in Naya Pakistan Certificate
• Premature Investment Request
• Roshan Equity Investment
• Opening of CDC (Central Depository Company) Account
• Payment to CDC (Central Depository Company)
• Request for a Repatriation

f) Transfer:
• Perform Beneficiary Addition
• Funds Transfer & Interbank Funds Transfer
• Quick Transfer (without registering the Payee)
• Manage Payee i.e. Pay using the added payee, Edit & Delete Payee
• Give Donations

g) 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

h) My Limits:
Manage accounts limits within bank assigned limits
i) Account Settings:
• Change Password
• Set One time Password (OTP) Preference
• View Contact Information
• Set Primary Account
j) ATM & Branch Locator
k) Register Complaint
l) Contact Us

a) Roshan Digital Accountholder (Resident Customers) with valid/active Debit Card:
• Click on the Register Button on login page
• Select & enter the Global ID (i.e. CNIC) type & Date of Birth
• Enter the Active Debit Card Details
• After verification, enter the registered mobile number, Enter OTP of 6 digits received on registered
mobile number
• After OTP for validation, create User ID & password.
• Accept terms & conditions
• User will be registered on MCB Live successfully

b) Roshan Digital Accountholder (Resident customers) without Debit Card (Account based registration):
• Click on the Register Button on login page
• Select & enter the Global ID (i.e. CNIC)type & Date of Birth
• Enter the Roshan Digital Account Number and registered mobile number, enter 6 digit OTP received on

registered mobile number
• After OTP validation, create User ID & password.
• Accept terms & conditions
• User will be registered on MCB Live successfully

c) Roshan Digital Accountholder Non-Resident customers:
• Click on the Register Button on login page
• Select & enter the Global ID (i.e. CNIC) type & Date of Birth
• Enter the Roshan Digital Account Number & registered email address, Enter 6 digit OTP received on
registered email address
• After OTP validation, create User ID & password.
• Accept terms & conditions
• User will be registered on MCB Live successfully

a) Roshan Digital Account Holder (Resident) with valid/active Debit Card:

• If you have a MCB Debit Card then after registration you will be able to login but will only be able to
perform financial transactions after a 6 hour waiting period.

b) Roshan Digital Accountholder (Resident) without Debit Card:

• After successful registration, customer needs to call at MCB Contact Center (111-000-622) for the
activation of his/her MCB Live account.
.
Note: This will be followed for customers with Inactive, temporary & permanent blocked Debit Card

c) Roshan Digital Accountholder (Non- Resident):

• You will receive an activation link on 1st email & activation code on 2nd email
• After clicking on the link received on the registered email address follow the instructions mentioned in the
email to complete the registration process & activate MCB Live account

OR

• Call MCB Contact Center (111-000-622) from registered contact number and activate financial
transactions on his/her MCB Live account.

OTP (One Time Password) is a 6-digits numeric code sent to customers on their registered mobile number or email
and is being used for:

a. For adding any beneficiary
b. Performing any Financial transaction
c. Payee/Biller Addition

One Time Password (OTP) provides an additional security feature to protect customers account(s) from being
used for 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.

MCB Live is available for iOS, Android & Huawei users.

Yes, you can access MCB Live from your desktop computers, laptops or tablets.
Via https://mcblive.com/?page=login-form

MCB Live is supported on devices running Android 6.01 / iOS 11 and above operating systems. Furthermore, MCB
Live is compatible with iPhone 6 and above.

MCB Live is best viewed with:

a. Google Chrome version 70.0.3578 and above
b. Mozilla Firefox version 63 and above
c. Internet Explorer version 11 and above
d. Microsoft Edge 44 and above
e. Safari version 10 and above

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

a. Enter username and password on login screen.
b. Click on enable Biometric/Face Login option and press Sign In.
c. The application will ask you to allow MCB Live app to store Device ID, choose allow.
d. Please scan your finger or perform facial recognition to confirm.
e. It will enable (if configured on device) your biometric/ face recognition option for all subsequent logins.

From the side menu icon of MCB Live application, please select the "Alternate Login" tab to uncheck the
"Biometric/Face Login" option on the main login screen.

You can retrieve your user name through following mediums:

a) MCB Live Portal
b) Contact Center

a) MCB Live Portal – Forgot Username:
• Click on the Forgot Username option available on the MCB Live
• Enter the details for verification
• Enter the CNIC, ATM Card Number, ATM PIN & Expiry
• Press confirm
• User will receive ‘Username’ on registered mobile number or email address

b) MCB Contact Center – Forgot Username:
• Call MCB Contact Center at 111-000-622 to retrieve Username
• After proper verification, contact center officer will send MCB Username via SMS/ email.

Note: If you do not have a MCB Debit Card you can retrieve your Username by calling MCB Contact Center for
retrieving Username

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

You can recover your password in two ways through MCB Live portal or by calling MCB Contact Center

a) MCB Live Portal – 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 Card Number, ATM PIN & Expiry
• Press confirm
• Enter 6 digits OTP received on registered mobile number / email address
• You will be asked to reset your password by entering old password, new password & confirm password
• Your password will be reset successfully

b) MCB Contact Center – Forgot Password
• Call MCB Center at 111-000-622 if you have forgotten your MCB Live password
• After proper verification, contact center officer will send a link on your registered mobile number or
emailaddress.

• Click on the provided link to create a new password
• Enter old password, new password & confirm password
• Your password will be reset successfully

Note: If you do not have a MCB Debit Card you can retrieve your password by calling MCB Contact Center Caution:

Please do not share your username or password with anyone

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

• On dashboard, click on the Main Menu option. Select the option ‘Account Settings’
• Under submenu click on option ‘Change Password’
• On Change password screen, user will be asked to enter old password, new password &
confirmpassword
• Enter OTP of 6 digits received on registered email address or SMS
• Password will be reset successfully & user will be intimated via SMS or email

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

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

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

Paths to access Add New Payee Option:

You can access Add New Payee option in three ways:

1. From Manage Payees option available at Quick Links card on Dashboard
2. From Menu > Select Payments > Select Manage Payees.
3. You can add new Payee after performing any fund transfer transaction from "Add as Payee"

 • Click on option ‘Add New Payee’
 • Add Payee screen will be displayed, Enter the 16 digit account number & nick name
 • Verify the account title & press confirm
 • Enter 6 digit OTP received on registered email address/ mobile number
 • After entering 6 digit OTP , Payee will be added successully & user will be intimated via SMS or email

• Click on ‘Add New Payee’ option, a screen will be displayed Enter Payee Name, select the option ‘Other
Bank’ for performing inter bank funds transfer, from the ‘Select Bank’ field select the desired ‘Bank
Name’, enter the account number as per IBFT gudilines, enter the nickname & press Confirm
• On next screen details will be displayed, verify the account title of the beneficiary. After verifying the
details, press confirm
• 6 digit OTP will be send to you for verification, enter the OTP & press submit
• Benefeciary will be added successfully. You will be sent an email or SMS on your registered email
address/ mobile number
• On manage Payee screen & in the list of existing beneficiary added beneficiary will be displayed

Steps to Add New Payee for IBFT using IBAN number:
 • Click on ‘Add New Payee’ option, a screen will be displayed Enter Payee Name, select the option ‘Other
Bank’ for performing inter bank funds transfer, select ‘IBAN’, from the ‘Select Bank’ field select the
desired ‘Bank Name’, enter the 24 digit IBAN number, enter the nickname & press Confirm
 • On next screen details will be displayed, verify the account title of the beneficiary & Bank Name. After
verifying the details, press confirm
 • OTP of 6 digits will be send 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 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.

To ensure a seamless and secure digital banking experience with MCB Live, after registration you will be able to login but will only be able to perform financial transactions after a 6 hour waiting period. These steps are for the safety and protection of your financial transactions.

For security purposes, IBFT through Quick Transfer is currently unavailable. Please add the beneficiary before you perform IBFT to your desired financial institute.

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

table:

Paths to access Add New Payee Option:

You can “Add New payee” in three ways

        1 - From Manage Billers option available at Quick Links card on Dashboard

        2 - From Hamburger Menu > Select Payments > Select Manage Billers

        3 - You can add new Biller after performing any transaction by selecting “Add as Biller” button

 • On 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 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 due date & after due date, amount payable, After validating the bill details click on
Confirm
 • Verify the Bill Details & press confirm
 • enter OTP of 6 digits received on registered mobile number & email address
 • After entering the OTP, beneficiary will be added successfully. User will receive intimation via SMS or
email

No, it is not necessarily required. Customer can transfer money and pay bills without adding payee/biller through Quick Transfer/ Quick Pay option.

Quick Transfer & Quick Pay option allows you to transfer funds & pay bills without adding beneficiary (payee or biller)

a. Click on the Funds Transfer option from Quick Links & Select “Quick Transfer”
b. From the hamburger menu option, select option Transfer >> Quick Transfer

 • Click on the Funds Transfer option from Quick Links & Select “Quick Transfer”
 • On Quick Transfer screen, enter the account number, desired amount & press confirm
 • On next screen, details of the added beneficiary will be displayed. Verify the account title & press confirm
 • Enter OTP of 6 digits received on your registered email address or mobile number
 • Funds will be transferred within MCB Successfully

a. Click on the Payment option from Quick Links & Select “Quick Transfer”
b. From the hamburger menu option, select option Payment >> Quick Bill Pay

 • On dashboard, click on the hamburger option on the top left corner, From the hamburger, click on ‘Bill
Payment’ option
 • From the sub category, click on option ‘Quick Bill Pay’
 • Quick Bill Pay screen will be displayed
 • Select the Biller Category
 • After selecting the biller category, list of the Biller names will be displayed
 • Enter the consumer number, select the account & validate the consumer number
Sr. no List of Microfinance Banks (MFB's) Sr. no List of Electronic Money Ins�tutes
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 6 TAG
7 U Microfinance Bank Limited
8 Mobilink Micro Finance Bank
 • After validation of consumer number verify the amount to be paid & press submit
 • Verify the Bill details again & press submit
 • Enter OTP of 6 digits received on registered email address or mobile number
 • Payment will done successfully

Yes funds will be transferred instantaneously

Yes you will be able to pay bills instantaneously

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 to download detailed transactions anytime, with the option to view last 30-days or 90-days transaction history. You can also specify date range of your choice for viewing full account statement. E-statement can be downloaded for maximum last three years

Login onto MCB Live, Go to main menu, Go to Account Settings and then click on 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

MCB Live application provides the feature of marking transactions as favorite. 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 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 future quickly without need to enter beneficiary detail, amount etc. details again.

Yes, customer can call MCB Contact Center at 111-000-622 to temporarily block his/her MCB Live service.

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

Yes, other bank's credit card bills can be paid using 1Bill service of MCB Live.

You can personalize an account number by giving it a nickname. This way you will be able to easily identify it.

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 4 digit New Debit Card PIN
 • An OTP will be sent to your registered mobile number/e mail address for verification
 • After successful OTP validation your debit card will be activated

No only numbers can be used to generate PIN.

A customer can view the details of his/her Debit card(s) where customer has the option to apply for new/replace, temporary block/unblock card, enable/disable e-commerce or international usage or change PIN. Debit Card option will be made available in the Quick Links section & in the main menu.

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 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 'Manage Debit Card' Option available under '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 'Manage Card' Option available on the virtual card being displayed
 • A New Screen will be displayed with 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 'Manage Debit Card' Option available under 'Quick Links' Section
 • Select Account Number
 • Debit Card screen will be displayed with a 'image of Debit Card' along with Card Status & 'Manage
Card'Option
 • Click on 'Manage Card' Option available on the virtual card being display
 • A New Screen will be displayed with following options with their status
 • Temporary Block
 • Allow International Use
 • Allow E-commerce Us
 • 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 6 digit OTP send on registered email address press confirm
 • Debit Card Will be unblocked successfully

 • On Dashboard, Click on 'Manage Debit Card' Option available under 'Quick Links' Section
 • Select Account Number
 • Debit Card screen will be displayed with a 'image of Debit Card' along with Card Status & 'Manage
Card'Option
 • Click on 'Manage Card' Option available on the virtual card being displayed
 • A New Screen will be displayed with 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 Ecommerce Use' Option
 • Enter the 6 digit OTP sent on registered mobile number or email address
 • E-commerce Usage should be activated successfully

 • Click on 'Manage Debit Card' Option available under 'Quick Links' Section
 • Select Account Number
 • Debit Card screen will be displayed with a 'image of Debit Card' along with Card Status & 'Manage Card'
Option
 • Click on 'Manage Card' Option available on the virtual card being displayed
 • A New Screen will be displayed with 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 registered mobile number or email address
 • Internal Usage will be activated successfully

 • On Dashboard, Click on 'Manage Debit Card' Option available under 'Quick Links' Section
 • Select Account Number
 • Debit Card screen will be displayed with a 'image of Debit Card' along with Card Status & 'Manage
Card'Option
 • Click on 'Manage Card' Option available on the virtual card being displayed
 • A New Screen will be displayed with 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 registered mobile number or email address
 • Internal Usage should be de-activated successfully

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

 • From the Hamburger/ Menu option, click on option ‘Accounts’ >> ’Current & Saving’, from the submenu
click on option ‘Cheque Book Request’
 • Select the account against which ‘Cheque Book Request’ to be initiated select the no. of leaves, verify
the delivery location, view disclaimer, cheque book charges, & press submit
 • Verify the details & press Confirm
 • Enter OTP of 6 digits received on registered email address
 • On clicking submit, Sheque Book Request will be initaited sucessfully & on screen confirmation for
cheque book inition will be displayed along with the reference number. Further User will receive SMS of
successful cheque book request initiation on email address or Mobile Number.

Note: Your cheque book will be delievered to your parent branch. You will have to collect it from the respective
branch

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

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

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

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

A customer can view the details of his/her credit card(s) where customer can apply for new/replace card, temporary block/unblock, enable/disable e-commerce or international usage or change his/her debit card PIN. Debit Card option will be made available in the Quick Links section & in the Hamburger menu

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 supplementary Credit card via MCB Live. From Main Menu > Manage Credit Card > supplementary Credit Card.

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

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

 How can I deposit funds in my MCB Roshan Digital?

 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 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 Securitites (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.

In order to invest in NPCs, you should have Roshan Digital Account in MCB Bank in one of the following
twovariants:

 • Roshan Digital Account PKR (only Non Resident RDA Customers)
 • Roshan Digital Account FCY (available in USD, GBP & EUR)
 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 NayaPakistan Certificate in 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
i.e. GBP, EUR, USD, AED, SAR, CAD, CHF, 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 dashboard, click on the Roshan Digital Account (RDA) option available under ‘Quick links’ section All
the functionalities available for Roshan Digital Account (RDA) users will be displayed, Click on
‘NayaPakistan Certificate’ option

 • NayaPakistan Screen will be displayed
 • Select the source account, Product Type (Conventional or shariah), Desposit Tenor, enter amount as per
provied guidelines & press confirm

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

 • Verify the details & press confirm
 • Enter the 6 digit OTP (One Time Password) received on 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: 9AM - 5PM PST) where our branch staff will be more than willing to assist you.

The Naya Pakistan Certificate is available in both Conventional and Shariah Compliant forms with short-term and
long-term tenors. 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 dashboard click on Roshan Digital Account (RDA) option available under ‘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 premature encashment request to be initiated, account title against
the selected account will be displayed, select the product Type (Conventional or Shariah). 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 & condition, click on ‘Proceed’.
 • Enter OTP of 6 digits send on registered email address & press confirm
 • Premature Encashment Request will be initiated successfully & user will receive confirmation via email

 • On dashboard, click on the Roshan Digital Account (RDA) option available under 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 user wants to repatriate funds. Press
Submit after entering all the details
 • On next screen details will be displayed, verify the bid, offer, applied & converted amount. Provide
consent before proceeding by marking check & press Confirm
 • Enter OTP of 6 digits received on email & press confirm
 • Repatriation request will be initiated successfully & will be processed by the branch with 2 working days

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

 • On dashboard, click on the Roshan Digital Account (RDA) option available under payment section
 • Select the option ‘Roshan Equity’ from the Roshan Digital Account (RDA) list
 • After selecting the Roshan Equity option, Disclaimer/ notice by CDC (Central Depository Company) will
be displayed in English by default. User can review the terms & condition in Urdu too. Provide consent
by selecting ‘I accept’ & click on Proceed
 • Terms & condition will be displayed, after reviewing the terms. Provide consent & click on proceed further
 • On Next screen List of Broker, terms & condition of CDC (Central Depository Company) &
sourceaccount.

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

 • Request will be initiated successfully. Once the request is processed by CDC (Central Depository
Company), users account will be opened

Steps to initiate Payment to CDC (Central Depository Company)

 • On dashboard, click on the Roshan Digital Account option available under payment section
 • Select the option ‘CDC Payment’ from the Roshan Digital Account list

 • Select the account number, enter amount & click on ‘Pay’
 • Verify the details & press confirm
 • Enter OTP of 6 digits received on registered email address & press confirm
 • CDC payment will be initiated successfully & will be credited to CDC account in real time

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 Credit Card
 • Apply for a supplementary Credit Card
 • Credit Card Activation
 • Credit Card PIN generation and PIN change facility
 • Activation/De-activation of Credit Card for online and its 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 upto 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 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 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 minimum amount due, 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.

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 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.

 1. From the Credit Card Number list, select the Credit Card account for which a statement has to be generated.
 2. From the View Option list, select the type of transactions to be viewed. If Billed Transactions is selected;
 3. 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.
 4. Click Download Statement to download the statement in PDF format

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

MCB Mobile is the mobile banking solution offered by MCB Bank. With MCB Mobile you can perform your financial transactions just using our MCB Mobile Web Portal. This includes bill payments, funds transfers (including Internal Funds Transfer and Inter Bank Funds Transfer), Top-ups and lots more.

Kindly note that this service is only available through the website: https://mcbmobile.com/rda/login. MCB Bank is committed to providing our customers state of the art services on the digital space and is working towards enabling your Roshan Digital Mobile Application on Android & iOS platforms.

MCB Mobile enables you to fulfill your banking needs from the comfort of your home, office or on the go. All you need is a compatible laptop/desktop, an internet connection & your MCB Mobile login credentials.

Individuals who meet the below eligibility criteria can open Roshan Digital Account:

• Non-resident Pakistani Nationals (NRPs);
• Employees or officials of the Federal / Provincial Government posted abroad.
• Non- Residents holding Pakistan Origin Card (POC).
• Resident Pakistanis with duly declared foreign assets in their latest wealth statement submitted to FBR.

Yes, this account is a special purpose restricted account where the following limitations apply:

1. The account can only be funded by foreign inward remittances through formal channels (banks or money transfer companies). No other credit/deposit would be allowed. In addition, the account cannot be used for business purpose.To remit funds in your Roshan Digital Account, kindly use the following SWIFT Code/BIC : MUCBPKKARDA
2. The account cannot be funded from within Pakistan, except the profit and principal repayment against the investment made through the account in the Certificate. The account can only be utilized for:

1. Investment in the Certificate, receiving profit and principal repayment, and
2. Repatriation of such profit and principal
3. All other legitimate purposes locally 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

No, Roshan Digital Account holders only have access to the MCB Mobile Web Portal.

Personal Identification Number (PIN) is a type of password used for logging into the MCB Mobile Web Portal.

Click on “Change PIN” in the Menu on the MCB Mobile Web Portal dashboard. You will receive an OTP on your registered email address. After entering the OTP, the Portal will ask you to enter and then confirm the new PIN. After clicking Submit, you will receive a message that your PIN has been changed successfully. The portal will log you out automatically and will ask you to Login again with new PIN.

OTP stands for ‘One Time Password’; it is a 6 digit numeric code sent to customers on their MCB registered email address for the following scenarios:

• At the time of first login (portal registration)
• For adding any beneficiary
• While performing any financial transaction

One Time Password (OTP) has been introduced as an additional security feature by MCB Bank to protect customer’s account(s). OTP is confidential and should not be shared with anyone.

You can avail the following services:

• Non-Financial Services/Transactions:
• View Multiple Account Details
• View transaction history (last 10 transactions)
• E-Statement (last 6 months)
• Beneficiary Management

• Financial Services/Transactions:
• Utility Bill payments
• Mobile Bill payments and Top ups
• Donations
• Internal Funds Transfer to:
  • MCB Bank Accounts
  • MCB Lite
  • MCB Mobile
• Inter Bank Funds Transfer
• MCB and Other Bank Credit Card Bill Payments

Transactional limits are:

• Funds Transfer including Donations: PKR 500,000 per day or equivalent USD amount
• Other Bank Funds Transfer: PKR 500,000 per day or equivalent USD amount
• Mobile Bill Prepaid Top ups: PKR 12,000 per month or equivalent USD amount
• Mobile Bill Postpaid: PKR 20,000 per month or equivalent USD amount
• Utility Bills, Govt. & Credit Card Payments: No Transactional limits

In order to invest in NPCs, you should have a bank account in MCB Bank in one of the following two variants:

• Roshan Digital Account – PKR
• Roshan Digital Account – FCY

For investing in USD/GBP/EUR 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 Bank¿s corporate website & Digital Account Portal.

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

Your request for Investment in Naya Pakistan Certificates can be initiated through the MCB Mobile Web Portal by clicking the "Investment" option from the menu. Complete the details shown on the Portal screen and click "Submit". The bank will process your request within 2 working days and a confirmation will be be sent on your registered email address.

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

The Naya Pakistan Certificate is available in both Conventional and Shari’ah Compliant forms with short and long term tenors. Automatic roll-over facility is not available.

Customers also have the option to invest in both PKR/USD/GBP/EUR 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
• GBP denominated: 3-Months/ 6-Months/ 12-Months/ 3-Years/5-Years or any other tenor allowed by SBP
• EUR 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
• GBP denominated: GBP 5,000 and integral multiples of GBP 1,000
• EUR denominated: EUR 5,000 and integral multiples of EUR 1,000

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

Redemption of investments is currently not available on the MCB Mobile Web Portal.

Your request for repatriation of funds can be initiated through the MCB Mobile Web Portal by clicking the “Repatriation” option from the menu. Complete the details shown on the Portal screen and click “Submit”. The bank will process your request within 2 working days.

You can add a beneficiary by clicking (+) sign under the Transfers/ Payments section in the Beneficiary Management option. An OTP will be sent to your registered email address for validation.

You can delete a beneficiary by clicking the Bin Icon on the MCB Mobile Web Portal in the Beneficiary management option.

Yes, you can pay credit card bills of the following banks.

• MCB Bank Limited
• Allied Bank Limited
• Bank Alfalah Limited
• Faysal Bank Limited
• Habib Bank Limited
• JS Bank Limited
• Silk Bank Limited
• Askari Bank Limited
• United Bank Limited
• Standard Chartered Bank (Pakistan) Ltd.

‘Host not responding’ errors occur when the service is temporarily down due to a technical issue. Please login again and try to re-perform the transaction after a short duration. In case you face this issue on a recurring basis, please call MCB Contact Centre at +92 42 111-000-622 for support.

Please call MCB Contact Centre at +92 42 111-000-622.

Please call MCB Contact Centre at +92 42 111-000-622 for temporary blockage of MCB Mobile service.

Please call MCB Contact Centre i.e. +92 42 111-000-622 for the re-activation of your blocked MCB Mobile service.

Never share your Account/Card Details, PIN/Password through email, SMS or a phone call. This information is confidential and should not be shared with anyone, even if the person claims to be an MCB Bank official.

MCB Bank never calls its customers from +92 42 111-000-622. Please do not share your personal information even if you receive a call claiming to be from a MCB Contact Centre Representative.

Launched in the year 2018, “BE AWARE, STAY SAFE” is a public service initiative of MCB Bank, intended to educate Banking Consumers and Pakistanis in general about new age fraud tactics, promote safe electronic banking and prevent possible lapses. The initiative is aimed to raise awareness about how to keep oneself safe from falling prey to a range of fraud types asking for your personal and financial information such as pin code, CVV, OTP etc. Learn more by visiting: https://www.mcb.com.pk/quick_links/be-aware-stay-safe

All customers are encouraged to go through the Terms and Conditions of MCB Mobile which covers topics related to fraud awareness. You can also find more details on how to protect yourself from digital frauds by visiting: https://www.mcb.com.pk/assets/documents/BASS_Security_Tips.pdf