IBFT services are completely free of charge for Bank Alfalah customers if their monthly transaction amount doesn’t exceed PKR 25,000 per account/wallet. Once the transaction volume exceeds PKR 25,000 a charge of 0.1% or Rs.200 (whichever is lower) will be charged on every transaction.
However, Roshan Digital Account customers and premier customers may continue to enjoy IBFT services free of charge.
All Alfalah Active Account / Debit or Credit Card customers can register. Alfalah Internet Banking customers can also use their existing User ID & Password to login Alfa. In-case you do not have an Alfalah Account or a Credit Card, please request via ALFA or call us at +92 21 111-225-224.
You can use your existing Alfalah Internet Banking username and password to log in. If you do not have an Internet Banking account, you can register instantly by downloading ALFA.
No. This service will work on any type of Internet connection. It could be through a Wi-Fi connection or your pre-paid or post-paid mobile network connection.
You need the following to use Alfa Mobile App:
There are no other charges.
ALFA can be downloaded from Apple Store or Google Play Store on your smartphone.
Yes, click on Account > View statement.
You can view statement of last 90 Days.
Yes, you can download statement for up to 3 years.
Yes, you can.
Yes. Kindly go to Services> Cheque Book
Yes. Kindly click on Side Menu > Locator
Kindly go to services > Banker’s Cheque > Fill in the details and click on submit.
Account Holder or Authorized Representative nominated by Account Holder.
Yes, but requests after 4pm will be processed on the next business day.
After 48 working hours of request submission
No, an NTN is mandatory for corporate entities
Yes, but after complete processing of current requested Cheque book
Kindly go to Send Menu > My Alfa > My Alfa App > Add Account
Kindly go to Send Menu > My Alfa > My Alfa App > Blocking > Select from Temporary Blocking/ Permanent Blocking > Submit
Yes, you can use Alfa from anywhere. All you need is a stable Internet connection.
You can reset your password through Alfa or call Alfa helpline at +92 21 111-225-224 to reset your password.
You do not need to sign any physical form or visit Alfalah branch to register for ALFA.
If you require guidance please contact us at +92 21 111-225-224.
No, your Alfa will work.
Yes, your per day transaction limit is shared. It gets reduced if you perform any transaction on Internet Banking except for paying bill of your own Bank Alfalah Credit Card
Payee can be added in the following manner:
Payee can be deleted in the following manner;
Yes, you can transfer funds between all your accounts linked to your Alfa, using the ‘My Account’ facility.
Normally, funds are transferred instantly. In case the credit is delayed by more than a day, please call our Call Center at 111-225-111 or write to us at contactus@bankalfalah.com for assistance.
Bill payment is our online bill payment service, which allows you to pay bills to any of our listed billing companies, mobile companies, internet service providers.
You can pay bills for the following utilities:
Electricity
Telecom
Gas
Water
Joint accountholders with operating instruction ‘either or Survivor’ register on Alfa.
Yes, secondary accountholder can register through his debit card.
There are 3 packages:
Yes, you can change it through Alfa.
Yes. Kindly click on Cards > Credit Card.
Yes. Kindly go to Bill Payment> Credit Card > Bank Alfalah
You can pay Utility Bills, Mobile Prepaid Topup & Postpaid Bills, View Card Deals & Discounts.
Yes. Kindly go to Bill Payment> Credit Card > Other Banks.
Bank Alfalah offers a secure method of payment to an increasing list of merchants. Customers can make their payments for purchases from the below listed merchants
Kindly click on Lifestyle > Select Merchant > Enter order ID and amount > Click on Proceed > select account details > click on submit> enter OTAC and submit.
Yes. It is available 24 hours a day, 7 days a week.
AlfaPay-QR is a payment tool that lets you make payments by scanning QR code at different merchants.
It is a new digital way of making purchases and merchant payments using any of your Bank Alfalah Accounts, Credit Card, Wallets & Orbits.
Each transaction limit of AlfaPay is PKR 500,000 however the daily limit is as per your Alfa package.
There is no additional fees on AlfaPay-QR.
You can use AlfaPay wherever you see the Masterpass QR button/sticker. You can also click here to see a list of outlets https://www.bankalfalah.com/personal-banking/alfa-business/locate-our-qr-merchants/
AlfaPay lets you tag your phone for instant payments with out the need to login. Your default payment option will be automatically selected
If your authorization mode is AlfaPay PIN then you would need a 4 digit pin to perform AlfaPay transactions prior to login.
Your password or AlfaPay PIN is required to authorize any transaction using your smartphone. You can also deactivate your phone tagging by signing in from another device.
You can view transaction details on AlfaPay for up to 30 days.
Dear Customer, please note that if you have registered on Alfa or Bank Alfalah Internet Banking during the time period of March-October 2020 then you will have to get your Biometric verification done from the nearest Bank Alfalah branch to transact as per your opted package limit.
Digital biometric authentication is a security measure wherein the user’s fingerprints are scanned against NADRA’s database. This verification adds an extra layer of security by verifying the identity and ensuring authenticity of the user.
As per the new developments, digital biometric verification will now also be required during sign-up/activation, new device binding, and when changing the email address associated with the account
The Forgot Credentials feature is found on the sign-in page, however, it can only be utilized on a registered device which enhances the security of the account recovery process. Additionally, there is a 2-hour cool-off period after performing this activity.
Customer will tap on ‘Forgot Credentials’ feature. After navigating to ‘Forgot Username’, you will be required to enter your mobile number and CNIC number. After this, you will be required to input OTP (auto-sense/auto fetch).
If you cannot remember your password, tap on the ‘Forgot Credentials’ feature. After navigating to ‘Forgot password’, you will be required to enter your username and CNIC number. Following this, you will receive an OTP (auto-sense/auto-fetch). Once your device fetches your OTP, your password will be changed.
If you do not receive your OTP and have exhausted all of your OTP attempts, you will be redirected to perform in-app biometric verification as a back-up authentication tool.
After exhausting your OTP attempts, if you are unable to perform digital biometric as well, the journey will end and you will be required to try again after 24 hours.
You can perform device binding and register the new device against your Alfa profile. After the new device is successfully registered, you may perform the ‘Forgot Credentials’ journey. Tapping on the ‘Forgot Credentials’ journey without device binding will take you on the device binding journey.
The device-binding journey starts when you log-in via an unregistered device. For a successful device bind you will receive an OTP (auto-fetch/auto-sense), after which you have to perform in-app biometric verification. After that, you will be required to create a pin. This is followed by a 2-hour cool off period.
You will not be allowed to proceed if you are not able to receive an OTP. OTP attempts are unlimited.
If you are unable to perform biometric verification during the device binding process, you will be prompted to ‘Try Another Way’ option. By opting for ‘Try Another Way’ you will be able to upload your live picture and scan your valid original CNIC to proceed with the device binding.
You may also opt to visit branch and perform biometric verification in branch if you are unable to perform in-app biometric verification. After performing biometric verification in your branch, you will be redirected to ‘Set Pin’ screen.
You can change your email address by navigating to the hamburger/side menu and tapping on the ‘My Alfa app’ option, however, digital biometric verification is required for this process, to ensure security. Additionally, there is a 2-hour cool-off period after performing this activity.
If you are unable to perform biometric verification and have exhausted all your attempts during email address update, you will not be allowed to proceed. You will be allowed to perform in-app digital biometric verification after 24 hours.
Yes, there is a cool-off period of 2 hours after the following activities: successful sign-up/activation, change of email address, change in transaction limit/package, and password reset.
During the cool-off period, you will not be able to perform any transactions. This is an important measure and helps in enhancing security and preventing fraudulent activities.
To register a new device, you just need to login to your Alfa app and it will redirect you to the device binding journey. You will need to input the OTP you receive and then undergo digital biometric authentication to ensure the security of the device binding process.
There is no alternative method if you are unable to scan your CNIC or upload live picture. However, you can always visit your branch and perform biometric verification instead of CNIC authentication or perform the in-app biometric verification after 24 hours.
Yes, this can be done using the verification management feature located in ‘Settings’. This is generally used when a customer is about to travel outside of the country and wants to be exempted from biometric verification. However, to activate this feature, biometric verification is required and the exemption lasts up to 10 days.
The biometric verification exemption will only apply on new device binding, forgot credentials and change of email address.
If you have activated biometric exemption and want to disable it, just navigate to the verification management screen and tap on ‘Remove Exemption’.
These security measures are as per the directives of the State Bank of Pakistan to ensure your financial well being and privacy.
The user will navigate to Services > Account Activation > Select Account > Enter OTP.
Yes, when linking the dormant account, the user will be provided with the option to activate the account. If the user does not opt for activation during this process, they will need to activate it through the Account Activation option in Services.
No, to remove other posting restrictions, the customer will need to visit the BAFL branch.
No, currently only individuals can remove dormancy through Alfa.
Currently, there are no charges for the removal of dormancy.
No documentation is required to remove dormancy through Alfa.
No, dormancy can only be removed for linked accounts.
Yes, dormancy removal can be done one account at a time.
For Android, the OTP will be auto-fetched, while for iOS, it will be auto-suggested. The customer’s SIM should be in the same phone.
Raast is an instant payment system that will allow you to Send Money quickly, securely and easily via Raast ID and IBAN.
Your Raast ID is your mobile number which can be linked to your desired BAFL account
You can receive funds by sharing your IBAN or Raast ID. To receive funds on Raast ID, you must first register/link your Raast ID with your BAFL account.
You can send money by input of IBAN. To send money to Raast ID, receiver must register their Raast ID.
You can register your Raast ID by clicking on Raast ID from the side menu. In Register/Re-link tab, select an account to link with your Raast ID. Once, registration/re-linking is completed, you can start receiving funds via your mobile number.
You can re-link your Raast ID by clicking on side menu > Raast ID.
In Register/Re-link tab, simply select any of your listed account to re-link.
You can temporarily stop receiving of funds on Raast ID by de-linking your Raast ID by clicking on Side menu > Raast ID
In De-link tab, simply switch toggle off to de-link the linked account
To delete your Raast ID, please contact our call centre at 111-225-111
Select Send Money> Raast Payment. Select From Account, Raast Beneficiary Type> IBAN, select already added payee or input 24 digit alphanumeric code
Select Send Money> Raast Payment. Select From Account, Raast Beneficiary Type> Raast ID, select already added payee or input 11 digit mobile number as 03xx.
Currently, transactions via Raast Payment are free of cost
Each transaction for Raast Payment is PKR 10,000, however the daily limit is per your Alfa package.
Select My Payees, scroll down to Create New Payee, select Raast from slider and input IBAN or Raast ID to create payee.
The Alfa daily package limit for financial transactions covers Alfa, RAAST, internet banking, WhatsApp, and Alfa Mall. If a user exhausts their limit on any of these channels, they cannot make additional financial transactions through any other channel until the daily limit resets.
