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Text Content

WELCOME TO NBP DIGITAL-INTERNET BANKING

NBP offers you secure & convenient banking to access your accounts anywhere
anytime.



You can login to NBP Digital-Internet Banking using Mobile Application login
credentials


LOGIN

Enter your username and password to access internet banking

username
password
Sign In
Forgot Password?
Register Now
   
 * 
   Overview
 * 
   Features
 * 
   Investments
 * 
   Terms & Conditions
 * 
   Privacy Policy
 * 
   FAQs
 * 
   Contact Us
 * 
   Branch/ATM Finder
   


CONTACT US:

Need Help? Call us now:

021-111-627-627

Visit Out Website

WWW.NBP.COM.PK

Mobileapp.support@nbp.com.pk

Frequently Ask Questions (FAQs)

 

General 

Q:   What is NBP Mobile Banking / Internet Banking?

A:    NBP Mobile Banking / Internet Banking means the online banking services
provided through Mobile Application and Web, customers can perform financial &
non-financial transactions from their accounts and avail the banking services
24/7 anywhere anytime on real time basis. 

 

Q:   Which transactions can be performed through NBP Mobile Banking / Internet
Banking?

A:    Following transactions can be performed through NBP Mobile Banking /
Internet Banking:

 * Check Account Balance
 * Get Account Statement (10/30/60/90 days)
 * Utility Bills Payments
 * Internet Bills Payments
 * Education Fee Payments
 * Government Payments
 * Mobile/Air time top ups
 * CNIC (transfer funds to any valid CNIC)
 * 1Bill Payments (including credit card)
 * IBT (NBP to NBP Fund Transfer)
 * IBFT (NBP to other Bank Fund Transfer)
 * Beneficiary Management
 * Multiple Account Addition
 * UPI Virtual Card Issuance (Available on NBP Mobile App Only)
 * QR Payments through UPI Virtual Card (Available on NBP Mobile App Only)
 * NFC Payments through UPI Virtual Card (for NBP Mobile App - Android Users
   Only)
 * Biometric Touch/Face ID Login (Available on NBP Mobile App Only)
 * Consumer Presented QR (Available on NBP Mobile App Only)

 

Q:   If I make payment of Utility Bill, CNIC Transfer or perform IBT / IBFT
using NBP Mobile Banking / Internet Banking, when will my account get debited
and when will payment to the beneficiary be made?

A:    Unless any error message is notified while making any transaction, your
account will instantly get debited and beneficiary’s account will be credited in
real time (at the same time).

 

Q:   How will I get transaction confirmation?

A:    Successful transaction message will be generated at User’s Screen. Besides
this, confirmation notification will be sent to your registered mobile number
and email address. Also you can check e-Transaction Receipt for status of
transaction.

 

Q:   Are the transactions made using NBP Mobile Banking / Internet Banking safe
and secure?

A:    To secure your accounts and transactions while using NBP Mobile Banking /
Internet Banking, NBP has ensured high level protection in terms of hardware,
software, SSL certificate, Firewalls and other Security software and no
financial transaction can be executed without MPIN, which will be created by
customer himself.

Q:   What are the timings during which I can use NBP Mobile Banking / Internet
Banking service?

A:    You can use NBP Mobile Banking / Internet Banking any time you want. This
service is available 24/7.

 

Q:   Where will I contact to raise any complaint related to transactions?

A:    You can call NBP Help Line: +92-21-111-627-627 and get your complaint
registered for resolution.

 

Q:   From where can I get information about NBP Mobile Banking / Internet
Banking?

A:    You may visit NBP website for NBP Digital information. For any further
query please call NBP Help Line: +92-21-111-627-627.

 

Q:   What should I do, if my Mobile Phone is lost / snatched?

A:    Call NBP Help Line: +92-21-111-627-627 to get your Mobile Banking User ID
blocked /de-activated. You can get your User ID blocked /de-activated either
temporarily or permanently. 

 

Q:   How can I take Screenshot of Mobile App transaction details?

A:    Simply go to Hamburger option and tap on E-Transaction Receipts. Select
required transaction details and tap on Take Screenshot option to save
screenshot of the transaction in your mobile.

 

Q:   Are there any charges for using NBP Mobile Banking / Internet Banking?

A:    No, NBP Mobile Banking / Internet Banking is absolutely free. There are no
monthly or annual charges.

 

Registration

Q:   Who can use NBP Mobile Banking / Internet Banking?

A:    Any Active NBP account holder (Conventional or Islamic) having an active
NBP ATM / Debit Card and registered Mobile Number can register for Mobile
Banking / Internet Banking. If you do not have an active NBP ATM / Debit Card or
mobile number registered, please contact your relevant Branch. 

 

Note: 

 * Any NBP Mobile Banking User can avail Internet Banking service just by using
   the Mobile App Login Credentials & MPIN
 * Any NBP Internet Banking User can avail NBP Mobile Banking service just by
   using the Internet Banking Login Credentials & MPIN.

 

Q:   How can I use Mobile Banking / Internet Banking of NBP?

A:    Customer will have to register himself / herself for NBP Mobile Banking /
Internet Banking. In case of existing Mobile Banking User, he / she has to login
with Mobile App valid Credentials or vice versa. 

 

Q:   How can I get myself registered for NBP Mobile Banking / Internet Banking? 
            

A:    Customer get himself / herself registered on NBP Mobile Banking / Internet
Banking through providing following credentials NBP Debit Card# / ATM Card#,
Debit Card / ATM Card PIN, Registered Mobile Number, Email Address, Account#,
CNIC# and Date of Birth.

 

Customer can access NBP Internet Banking from NBP
Website https://ibanking.nbp.com.pk/login

 

However, NBP Mobile Banking Application can be downloaded from:

 * Google Play Store® (Android)
 * App Store® (IOs Apple) 
 * Huawei AppGallery® (Huawei)

 

 

Q:   What if my email address is not registered with the bank? Can I still
register for NBP Mobile Banking /Internet Banking with unregistered email
address?

A:    Yes, you can register for NBP Mobile Banking / Internet Banking as you
just have to enter your valid email address during registration and it will get
registered in Bank’s record. 

        

Q:   How can I get my mobile number registerd in the Bank’s record?

A:    Customer will have to visit the concerned branch, fill form and get his
CIF updated to register his/her email address or mobile number in bank records. 

 

Q:   How can I update my email address or mobile number in the Bank’s record?

 1. Customer will have to visit the concerned branch, fill form and get his
    infomration updated in bank records.

 

Alternatively, email address can also be updated in NBP records by sending an
SMS on 8627 writing “Y” or “email address” to be updated. After receiving SMS,
NBP representative will contact you on your registered number for email address
update. 

 

Q:   How can I update my email address or mobile number in the Bank’s record
after NBP Mobile Banking /Internet Banking ?

 

 1. Customer will have to visit the concerned branch to update/change email
    address and mobile number. After update at branch end, customer will have to
    contact call center through registered mobile number to update the same
    information for Mobile Banking and Internet Banking.

 

Q:   Do I need to register again on Internet Banking if using Mobile Banking of
NBP? 

A:    If you are already using NBP Mobile Banking, you don’t need to register
again for NBP Internet Banking. You can use same login details which are being
used for Mobile Banking to login Internet Banking and vice versa.

 

Q:   What are NBP Internet Banking requirements for browsers?

A:   NBP Internet Banking has been designed to operate with standard browsers
available from time to time. Following are browser requirement for smooth
functioning of Internet Banking.

 

 * For Windows Operating System

{(Chrome: 67.0.96+), (Firefox: 59.0.2+) Edge: Windows 10 (default)}

 

 * For Mac Operating System 

(Safari: 11.1.2+)

 

Q:   On which Mobile Phones operating system, NBP Mobile Banking Application can
be used?

A:    NBP Mobile Banking Application will be a native Mobile Application on
following platforms:

 * Android Phones – Android Version Kit-Kat (4.4) and above
 * iPhone – iOS version 10.0. and above

 

Q:   Can I use NBP Mobile Banking / Internet Banking from outside Pakistan?

A:    You may use NBP Mobile Banking / Internet Banking from anywhere across the
globe. All you need is a stable Internet connection. 

 

Q:   Will my Password be shared / stored on System at time of Registration?

A:    No, your password will not be shared/ stored at time of registration. Your
password is encrypted with codes for security purpose.

 

One Time Password (OTP)

Q:   What is OTP?

A:    OTP (One Time Password) is a system generated alphanumeric code which is
sent on the registered email address and mobile number of the account holder for
validation of the customer. OTP is an additional security measure put in place
to protect customer’s accounts. OTP is confidential and should not be shared
with anyone even with NBP Branch / Call Center staff.

 

Q:   What is the validity of each OTP?

A:    OTP will be valid for 5 minutes from the time of generation.

 

Q:    What are the charges of OTP SMS?

A:    The Bank does not charge customers for receiving OTPs. This service is
absolutely free.

 

Q:   Can one OTP be used multiple times?

A:    No. OTP is system generated one-time password and can only be used once to
ensure security of customers. 

 

Forgot Password

Q:   What should I do if I forgot my password?

A:    Customer may reset his / her password by using the “Forgot Password”
option available on NBP Mobile Banking Application / Internet Banking. System
generated One Time password will be send on the registered email (1st Part) and
registered mobile number (2nd Part) of the customer, which will enable customer
to re-set his / her password. Customer must enter both (1st Part & 2nd Part)
combined to login and then to set new password accordingly.

 

Q:   How can I unlock my User ID in case of multiple wrong attempts?

A:    You can unlock User ID by using “forgot Password” option on screen. 

 

Transaction Limits & Charges

Q:   Are the limits for NBP Mobile Banking / Internet Banking separate?

A:    No, limit is not separate. In case limit is expired in any one of the
channel, user cannot exceed limit from any other channel except ATM and
Branches.

 

Q:   What are the payment limits on NBP Mobile Banking / Internet Banking?

A:    Daily transaction limits are provided in below table

Transactions

Limit  Amount 

IBT (NBP to NBP Fund Transfer)

Rs. 200,000/-

IBFT (NBP to Other Bank Fund Transfer)

Rs. 200,000/-

CNIC Transfers

Rs. 50,000/-

Bill Payments

Rs. 300,000/-

Mobile Top-up (Prepaid)

Rs. 5,000/-

 

 

Q:   What are the charges if I make any transaction using NBP Mobile Banking /
Internet Banking?

A:    Transactions are free of service charges except Inter Bank Fund Transfer
(fund transfer to other banks) & CNIC Transfers. 

Service Charges of Rs. 50/- (exclusive of Sales Tax / FED) will be charged for
Inter Bank Funds Transfer (IBFT). However, charges on CNIC Transfer slab wise as
per below table:

Slab Start

Slab End

Service Charges (Rs.)

1

1,000

44.00

1,001

2,500

88.00

2,501

4,000

132.00

4,001

6,000

176.00

6,001

8,000

220.00

8,001

10,000

264.00

10,001

13,000

308.00

13,001

16,000

352.00

16,001

20,000

418.00

20,001

25,000

484.00

25,001

30,000

552.00

30,001

40,000

618.00

40,001

50,000

684.00

 

 

Moreover, for further details, please refer to NBP Schedule of Charges.

 

Beneficiary Management

Q:   What is the purpose of Beneficiary Addition and how can we use it?

A:    For financial transactions like Bill Payment, Air Time Top Up, Funds
Transfer and IBFT, it is an additional feature for customer to add beneficiary
and authenticate the addition through MPIN. By adding beneficiary, customer will
not have to provide all the credentials of beneficiary again while making
transaction to the same beneficiary in future. Customer can add & delete
beneficiary depending on his / her requirement.

 

Q.   How to add Beneficiary on NBP Mobile Banking / Internet Banking?

A:    After Login, user will go to Beneficiary Management option, and selects
transaction type & enters required details of Beneficiary then press submit
button, user will then enter MPIN for successful addition of beneficiary.

 

 

Q:   Is there any limit on number of beneficiaries for Beneficiary Addition?

A:    No, there is no limit on number of beneficiaries.

 

Q.   What is the difference between Beneficiary and Non-Beneficiary
transactions?

A:    For added beneficiaries, user does not need to enter beneficiary details &
MPIN again and can proceed for transactions by just selecting the beneficiary.
Whereas, for non-beneficiary transactions, user need to enter all details of
beneficiary and MPIN to make a transaction. 

 

Q.   Is there any transaction for which Beneficiary Management is not
applicable?

A:    Yes, Beneficiary can be defined against all transactions except CNIC
Transfers.

 

Blocking & Unblocking of Mobile Banking Application / Internet Banking ID

Q:   What should I do if someone gets to know my login details?

A:    You should call NBP Help Line: +92-21-111-627-627 and get the NBP Mobile
Banking & Internet Banking blocked on immediate basis. Please note that your NBP
Mobile Banking & Internet Banking will also be blocked for security reasons and
vice versa.

 

Q:   How can I get my NBP Mobile Banking / Internet Banking Blocked?

A:    You can call NBP Help Line: +92-21-111-627-627 and get the NBP Mobile
Banking / Internet Banking blocked on immediate basis. Please note that your NBP
Mobile Banking & Internet Banking will also be blocked for security reasons and
vice versa.

 

Q:  Will I be able to use NBP Mobile Banking / Internet Banking again after
Deactivation/Blocking of Mobile Banking/Internet Banking ID?

A:    Yes, you can use NBP Mobile Banking / Internet Banking after de-activation
/ temporarily blocking of ID. In case you have temporarily blocked your ID, call
NBP Helpline: +92-21-111-627-627 to activate your ID. And if the ID was
permanently blocked, you need to register again for NBP Mobile Banking /
Internet Banking

 

Please note that on receiving of re-activation request of Mobile Banking
Application, Internet Banking channel will be reactivated too and vice versa

 

CNIC Transfers

Q:   What is CNIC transfers?

A: “CNIC” transfer enables NBP account holders (Conventional or Islamic) to send
funds through NBP Mobile Banking / Internet Banking on any individual’s valid
CNIC instantly, and beneficiary will receive the funds from authorized NBP
branchless banking agents-JazzCash nationwide by just verifying Transaction ID
(TID) & CNIC sent through SMS & performing Biometric NADRA verification at the
agent shop. 

 

Q:   Who can transfer funds via CNIC TRANSFER?

A:    Any NBP Mobile Banking / Internet Banking User can send funds through CNIC
TRANSFER. 

 

Q:   On which Channel customer can transfer money through CNIC TRANSFER?

A:    Customer can transfer money through “JAZZCASH”-NBP Benchless Banking agent
for CNIC TRANSFER transactions. 

Q:   Does a customer need to have beneficiary mobile phone and CNIC to transfer
funds through CNIC TRANSFER?

A:    Yes, customer should provide Beneficiary’s valid NADRA CNIC number &
active mobile number to transfer funds through CNIC TRANSFER; Beneficiary will
receive SMS notification which will contain the transaction ID (TID) that will
be used for receiving the funds from “JAZZCASH”.

 

Q:   Will the Beneficiary get any notification for CNIC TRANSFER transaction?

A:    SMS notification will be sent to the Beneficiary at the time of fund
transfer request is made by the sender. 

 

Q:   How can Beneficiary receive funds transferred through CNIC TRANSFER?

A:    Beneficiary can receive funds from any JAZZCASH Biometric enabled retailer
by performing Biometric verification. 

 

Q:   How long does money transfer transaction take? How long the receiver does
have to wait after the sender sends the money?

A:    Funds are transferred instantly.

 

Q:    Is there any limit on number of transactions for CNIC TRANSFER?

A:    There is no limit on the number of transactions. 

 

Q:   Is there any limit on amount that customer can transfer through CNIC
TRANSFER?

A:    Customer can transfer Rs. 50,000/- per day.

 

Q:   Is there any limit on amount that Beneficiary can receive?

A:    Beneficiary can receive Rs. 50,000/- per month from single channel (at the
moment this service only available on JazzCash)

 

Q:   What if a beneficiary has an expired CNIC?

A:    Beneficiary cannot withdraw money if CNIC is expired. 

 

Q:   What if Beneficiary does not receive SMS of CNIC TRANSFER?

A:    Customer will have to call NBP call center to get the transaction ID.

 

Q:   What if Customer transferred money on wrong beneficiary CNIC TRANSFER?

A:    Customer will have to lodge a complaint at NBP helpline for the reversal.
NBP will only reverse amount if it is uncollected by beneficiary otherwise NBP
does not bear any responsibility of loss.

 

Q:   What if Customer enters wrong beneficiary mobile number?

A:    Customer will have to call NBP call center to get the transaction ID and
will have to provide same to beneficiary. Alternatively, customer will have to
lodge a complaint at NBP helpline for the reversal. NBP will only reverse amount
if it is uncollected by beneficiary otherwise NBP does not bear any
responsibility of loss.

 

Q:   Is there any time limit for beneficiary to receive funds sent through CNIC
TRANSFER?

A:    Beneficiary must collect the funds within 180 days. As per regulations,
all transaction uncollected for longer than 180 days will be blocked.

 

Q:   How can customer claim funds which are uncollected for any reason?

A:    Customer will lodge a complaint at NBP Helpline on +92-21-111-627-627 for
reversal of funds. 

 

1 Bill Payment (Credit Card Payments)

Q:   Can I pay my Credit Card bill through NBP Mobile Banking / Internet
Banking?

A:    Yes, you can pay credit card bills through NBP Mobile Banking / Internet
Banking from 1Bill Credit Card Bills-Payments section.

 

Q:   How can I pay my Credit Card bill through NBP Mobile Banking / Internet
Banking?

A: 

 * Customer will log on to NBP Mobile Banking / Internet Banking, go to payments
   section > tap 1Bill Credit Card Bills
 * Select account (Payment From) from which a user wants to pay bill
 * Provide consumer number (Payment To)
 * Input Transaction Amount> tap on submit
 * Enter MPIN on App screen and press submit
 * Successful transaction message will appear on screen

 

Q:   Which information is required to pay Credit Card bill?

A:    You just need to have credit card number to pay credit card bill.

 

Q:   Can I make partial payments for credit card bill?

A:    Yes, you can make partial payment, full payment or above the bill payment
amount as per your choice. 

 

Q:   Which banks are enabled for Credit Card Payments through NBP Mobile Banking
/ Internet Banking?  

A:    User can pay credit card bill payment for the following Banks: 

 * Faysal Bank Limited
 * Bank Alfalah Limited

 * Bank Al-Habib  

 * United Bank Limited
 * Silk Bank
 * JS Bank
 * Habib Bank Limited
 * Askari Commercial Bank Limited
 * Allied Bank Limited
 * Muslim commercial Bank.
 * Standard Chartered Bank (SCB)

 

1Bill Payment (Voucher/Fee payments and Topup)

Q:   What is 1Bill Voucher/Fee and Topup payments?

A:    

 * Voucher/Fee Payment (It is fixed payment mode, where customer will fetch the
   bill available in this category  and confirms the payment) 
 * Top Up (It is partial payment mode, where customer will fetch the bill
   available in this category and can input the desired amount to be paid) 

 

MPIN Management

Q:   What is MPIN?

A:    MPIN is Customer generated four (04) digits code used for making financial
and non-financial transactions.

 

Q:   What is the use of MPIN?

A:    MPIN is used to validate the financial transactions and non-financial
transactions such as Beneficiary Addition and fund transfers transactions.

 

Q:   How can customer generate MPIN?

A:    NBP Mobile Banking / Internet Banking will ask customer to generate MPIN
when customer login first time after the registration.

 

Q:   How can I recover MPIN if I forgot my MPIN?

A:    User can access MPIN Management (Forgot MPIN) from hamburger menu of NBP
Mobile Banking or use forgot MPIN option from settings tab in Internet Banking
to create the new MPIN.

 

Q:   Can I change my MPIN?

A:    Yes, you can change your MPIN whenever you want. Access MPIN Management
(Change MPIN) from hamburger menu of NBP Mobile Banking or use Change MPIN
option from settings tab in Internet Banking to change MPIN.

 

Q:   Do I need to create MPIN for Internet Banking if I am an existing NBP
Digital Mobile App User?

A:    No, Like User credentials, MPIN for NBP Internet Banking is same as being
created for NBP Mobile Banking Application and vice versa.

 

Multiple Account Addition

Q:   What is ‘Multiple Account’ addition?

A:    Multiple Account addition is the feature to enable NBP Mobile Banking /
Internet Banking users to link/add their multiple/other accounts with NBP Mobile
Banking / Internet Banking. Users will be able to perform all the transactions
which are available on NBP Mobile Banking / Internet Banking Channel through
added multiple accounts.

 

Q:   How to add multiple accounts?

A:    User can access My Accounts Section from NBP Mobile Banking / Internet
Banking home screen and select Add Multiple Account option to add the accounts
by providing required 14 digit account number.

 

Q:   Can customer add Islamic account and/or conventional account in multiple
account addition option?

A:    Yes, customer can add both Islamic and conventional account at the same
time and can access both accounts respectively.

 

Q:   What is ‘Default Account’?

A:    Default Account means the account which will be automatically selected for
making transactions instead of asking customer every time before proceeding for
transaction in case customer is using multiple accounts on NBP Mobile Banking /
Internet Banking.

 

Q:   Can customer set any account as a default account for making transactions?

A:    Yes, customer can select any account as a default account for making
transactions.

                

Q:   How to set account as a default account?

A:    User can access My Accounts Section from NBP Mobile Banking / Internet
Banking home screen and select Default Account option to set the account as
default account.

 

Q:   What own Account Types I can add to NBP Digital Mobile Banking Application
/ NBP Internet Banking?

A:    Customer can add only his individual or Joint Account (Either or Survivor)
only.

 

Fund Transfers (IBT/IBFT)

Q:   What is IBT?

A:    IBT is Inter / intra branch transfer, it means to transfer funds from your
NBP account to beneficiary’s NBP account. For making IBT transactions you and
your beneficiary both should have NBP Account regardless of branch.

 

Q:   Can I transfer funds from my conventional account to Islamic account & vice
versa through NBP Mobile Banking / Internet Banking? 

A:    Yes, you can make conventional account to Islamic account fund transfer &
vice versa through NBP Mobile Banking / Internet Banking.

 

Q:   What information do I need to have to make fund transfer transaction over
IBT on NBP Mobile Banking / Internet Banking?

A:    You will be required to provide following information for IBT:

 * Beneficiary’s Bank Account Number (14 Digits)
 * Purpose of Payment
 * Amount to be transferred

 

Q:   What is IBFT?

A:    IBFT is ‘Inter Bank Fund Transfer’, it means to transfer funds from your
NBP account to any other bank account of beneficiary.

 

Q:   What information do I need to have to make fund transfer transaction over
IBFT on NBP Mobile Banking / Internet Banking?

A:    You will be required to provide following information for IBFT:

 * Beneficiary’s Bank Name
 * Beneficiary’s Bank Account Number
 * Purpose of Payment
 * Amount to be transferred

 

Q:   Is there any specific format of Account Number for Online Fund Transfers
and from where can I confirm correct format of account number?

A:    Yes, it’s a combination of branch and account number. You can easily find
it on NBP Mobile Banking / Internet Banking fund transfer screen with
information circle provided on input of account number field.

 

Bill Payments

Q:   Which categories of Bills I can pay using NBP Mobile Banking / Internet
Banking?

A:    Bills of following can be paid using NBP Mobile Banking / Internet
Banking:

 * Utility Bills
 * Mobile/Air time top ups
 * Credit Card Bill Payments
 * Internet Bills
 * Education Fee
 * Government Payments
 * Insurance Payments

And others payments added by Bank time to time.

 

Q:   What is Consumer Number?

A:  It’s an individual number allotted by the Bill Payment Company to their
customers for making bill payments.

 

Q:   Where can I find my Consumer Number? 

A:    You can check your consumer number on the bill/voucher provided by Bill
Payment Company.

 

Q:   How to make Bill Payments?

A:    You can access Payments section from home screen of NBP Mobile Banking /
Internet Banking then select your company & provide consumer number to make
payment.

 

Q:   How long will it take for the payment to be received by the bill payment
company?

A:    Payment will be made instantly. 

 

Device Verification / Binding

Q:   What is device verification in Internet & Mobile Banking?

A:    Every time a user login to NBP Mobile Banking / Internet Banking, system
will send one-time password (OTP) to user’s registered mobile number & email
address & will ask customer to enter the OTP on NBP Mobile Banking / Internet
Banking device verification screen to validate the user, it adds an extra layer
of security for users.

 

However, for Mobile Banking Application customer can bind trusted device by
verifying it and can skip the process of verifying device every time a user
login for Mobile Banking Application. 

 

Q:   What if I want to change my trusted / registered device?

A:    Option of “Remove this Device” is available in hamburger menu, customer
may remove the already bind device from the option.

 

Q:   How many devices I can bind with my user ID?

A.    User can only bind one device at a time. In case if user select another
device as trusted device, previous bind device will automatically be removed.

 

Biometric / Touch ID Login-Mobile Banking Application

Q:   What is Biometric / Touch ID login?

A:    It’s a fingerprint feature available in NBP Mobile Banking Application;
customer can use it as an alternative of User ID & password to login to NBP
Mobile Banking Application.

 

Q:   Do I need to register for Biometric / Touch ID login?

A:    Yes, customer must get himself registered / configure Biometric /Touch ID
login through NBP Mobile Banking Application.

 

Q:   How to register for Biometric / Touch ID login?

A:    Step 1: Tap on “Configure” icon available on the mobile app screen

Step 2: Select “Enable” touch ID

Step 3: Insert user name & password

Step 4: Accept T&Cs

Step 5: Press “Login”

Step 6: Place a finger on scanner.

 

Q:   Is Biometric / Touch ID login a safer option to use?

A:    Yes, it is safer and convenient option to use as fingerprints recognition
are not possible to replicate, once fingerprint recognition authentication is
enabled to login NBP Mobile Banking, any fingerprint recognition stored on this
device can be used to access NBP Mobile Banking. NBP don’t recommend using
fingerprint authentication if you share your device with any person or other
persons have their fingerprints recognition stored on your device. 

 

Q:   What are the charges of using Biometric /Touch ID login?

A:    Biometric / Touch ID login feature is free for NBP customers. 

 

Q:   Can I disable Biometric / Touch ID login service?

A:    Yes, you can disable the service through NBP Mobile Banking.

 

Q: How to disable Biometric / Touch ID login service?

A:    Step 1: Tap on “Configure” icon available on the mobile app main screen

Step 2: Select “Disable” touch ID

 

Once fingerprint recognition authentication is disabled, you will require your
username and password to login to NBP Mobile Banking.

 

Q:   Is there any specific device required to use Biometric / Touch ID login?

A:    Android & iOS users can use Biometric / Touch ID login option on
fingerprint Recognition supported device.

 

Q:   What if I have someone else fingerprints registered on my device?

A:    NBP do not recommend using fingerprint authentication if you share your
device with any person or other persons have their fingerprints stored on your
device. 

 

Q:   What if I do not have Biometric / Touch ID supported device? 

A:    In such case, you can still download the application, but Touch ID Login
service will not be available, and you can login by entering User ID & password

 

Q:   How many devices I can register for the Touch ID Login service?

A:    You can register devices as many as you wish to.

 

Q:   Can I use my login credentials Biometric / Touch ID login at the same time?

A:    To login only one testimonial is required either User Name & Password or
fingerprint recognition however both can be used as per customer convenience.

Q:   Are my fingerprints Recognition stored in NBP Mobile Banking Application?

A:    No, NBP Mobile Banking Application only access fingerprints from the
device and does not store your fingerprints or in the app or server. 

 

Virtual Card Issuance & QR / NFC Payments-Mobile Banking Application

Q:   What is Virtual Card?

A:    Virtual card which is also known as Digital Card created for e-commerce&
POS transactions. It provides an easy & secure way of transacting without
providing the primary card to the merchant. Using NBP virtual card service
through mobile app (NBP Digital) our customers can make payments to merchants
for their online & physical purchases through QRC payments anywhere any time on
real time basis. This virtual card is powered by UPI (Union Pay International)
and work on UPI accepted merchants.

 

Q:   Who can avail virtual card service?

A:    All customers using NBP Mobile Banking Application can avail the service
of virtual card.

 

Q:   How can I activate / issue / provision virtual card?

A:    Following are the ways:

 * Once the customer install / update app successfully, he will be asked if he
   wants to add virtual card, if customer selects option “Yes” he will be asked
   to agree on Terms & conditions and if customer agree then it will send 6
   digit OTP to customer registered Mobile number, after which customer has to
   enter OTP and set Virtual card PIN to make QR or e-commerce transactions. If
   customer disagree the Terms & Conditions, then it will re-direct customer to
   home screen.

 

 * Alternate option to add virtual card is available in Hamburger Menu and Card
   Management tab.

 

Q:   How does virtual card work?

A:    A virtual card is similar to a normal physical debit card except it
doesn't exist physically.

Both cards have their different card numbers and act as authenticating tools
while making transactions.

 

Q:   Is my virtual card an international card?

A:    Yes, you can use it locally and internationally.

 

Q:   Can I use my virtual card for payment in a currency other than Pakistani
rupees?

A:   Yes, but it will reflect in account after conversion in Pakistani rupees.

 

Q:   Can I use same virtual card on other device?

A:    Yes, you have to add a virtual card for every other device with different
PIN.

 

Q:   What are the benefits of using Virtual Card?

A:    It is Safer, Easier & Convenient to use. You don’t need to carry physical
card if you are using a virtual card.

 

Q:   Are the transactions made using virtual card safe and secure?

A:    To secure your accounts and transactions while using NBP Mobile Banking,
NBP has ensured high level protection in terms of hardware, software, SSL
certificate, Firewalls and other Security software and no financial transaction
can be executed without Card PIN (which is created at the time of generating /
adding a card).

 

Q:   Can I change my Virtual Card PIN?

A:    Yes, you can easily change your Virtual card PIN through Mobile App.

 

Q:   What should I do if I forget my Card PIN?

A:    You can easily set your new PIN through App.

Go to hamburger menu > Virtual Card > Card Operations > View Card > Forgot PIN. 

 

Q:   What is QRC?

A:    A QR code (quick response code) is a type of 2D bar code that is used to
provide easy access to information through a smartphone. You just need to scan
the code and information of merchant appears on your app screen.

 

Q:   How many types of QR Code are there?

A:    There are two types of QR Code

 1. Merchant Presented QR
    1.    Consumer Presented QR

 

Q:   What is NFC Payment?

A:    Near Field Communication (NFC) Payment, a mode which will enable NBP
Customers to pay by tapping mobile against NFC Enabled POS. It is mandatory for
customer to have NFC enabled Mobile Phones.

 

Q:   How can I use my virtual card for QRC Payment?

A:    Following are the steps for QRC payment      

 * Customer will login app, go to payments menu > tap merchant payments> Pay
 * Select card from which to pay
 * Select option of QR payment
 * Customer Scans QR Code
 * Transaction details will be displayed; customer have to enter PIN
   (generated/set at time of adding a card)
 * Press “submit” button
 * Successful transaction message appears on screen

 

Q:   How can I use my virtual card for NFC Payment (Without login in Mobile
App)?

A:    Following are the steps for NFC Payment without login in Mobile App

 * Customer tap the mobile on NFC POS
 * Enter PIN (generated at time of adding card)
 * Customer again tap the mobile on NFC POS
 * Successful transaction message appears on screen

 

Q:   How can I use my virtual card for NFC Payment (With login Mobile App)?

A:    Following are the steps for NFC Payment with login Mobile App

 * Customer will login app, go to app menu >tap merchant payments> Pay
 * Select card from which to pay
 * Select option of NFC payment i.e. “Tap& Pay”
 * Enter PIN (generated at time of adding card)
 * Customer tap the mobile on NFC POS
 * Successful transaction message appears on screen

 

Q:   Are there any service charges for using NFC & QR payment?

A:    For International POS Transactions, NBP will charge 3% of transaction
amount as service charges. In local POS transaction, there are no service
charges. Tax will be applicable as per the tax rule. 

 

Q:   If I make payment (QR or NFC), when will my account get debited and when
will payment to the beneficiary be made?

A:    Unless any error message is notified while making any transaction, your
account will instantly get debited and beneficiary’s account will be credited in
real time (at the same time).

 

Q:   How can I temporary block / de-activate the virtual card on a single device
or multiple devices if I don’t want to use it?

A:    For Single Mobile Device below steps to be followed 

 * Customer will login app, go to app hamburger menu > Virtual card
 * Select view card option then select the required card
 * Customer click on Pointer/Button
 * Mobile app screen will display Card from Active to Deactivate Status

From Multiple Mobile Devices, you can contact call center and get your virtual
card deactivated from all devices.

 

Q:    How can I delete virtual card from a single device or multiple devices, if
I don’t want to use it?

A:    For Single Mobile Device below steps to be followed 

 * Customer will login app, go to app hamburger menu > Virtual card > card
   operations >
 * Select view card option then select the required card
 * Select “Delete Card” option to delete card from device.

 

From Multiple Mobile Devices, you can contact call center and get your virtual
card deleted from all devices. 

 

Q:    Is there any limit for payment through Virtual Card?

A:    Daily transaction limit for virtual card is PKR 100,000/day and per
transaction limit is PKR 25,000/ regardless of local or international
transaction.

 

Q:   Can I do multiple purchases with my virtual card?

A:    Yes, you can do multiple purchases within the specified amount limit.

 

Q:  How can I view the POS transactions done on the card?

A:  You can view the details of transaction through Account statement/E-Receipt
option available in App.

 

Q:   What if I want to add more than one virtual card from other added account?

A.    User can only add / issue one virtual card against account number which
was input at the time of registration, user cannot add more than one virtual
card or virtual card from another tagged / added account.

 

Huawei Pay-Virtual Card Linking

Q:   Will I be able to add my Virtual Card in another App for payments?

A:   Yes, you can add or link your virtual card in Huawei Pay Wallet App in
Huawei & Honor Phones. NBP Virtual Card Holders can bind their NBP UPI Virtual
Card with Huawei Pay Wallet Application. Users will have an additional channel
to use its already issued UPI Virtual Card on Huawei Pay Wallet Application to
make transactions.   

 

Q:   What is Huawei Wallet Pay?

A:    Huawei Wallet Pay is a mobile payment service launched by Huawei in 2016.
Through this wallet application, after adding a bank card, users can make
payments by tapping their NFC-capable phones against a contactless payment
terminal or card reader. Huawei Pay makes payments secure and convenient. It
uses a device-specific number known as a token instead of bank card number to
handle transactions. Bank card number is not stored on mobile device or on
Huawei Pay servers, and is not shared with merchants.

 

Q:   From where I can download Huawei Pay Wallet App?

A:    You can download Huawei Wallet App from Huawei App Gallery from your
Huawei or Honor mobile phones. 

 

Q:   Are there any addition charges on Huawei Pay? 

A:    No additional charges on transactions performed through Huawei Pay Wallet
Application. Whereas charges for international QR and NFC / Tap & Pay will
remain same as mentioned above. 

 

Q:   Where I can use Huawei Pay? 

A:    You can use Huawei Pay in Pakistan and outside Pakistan as well. 

 

Q:   On which Handsets Huawei Pay Wallet App will work?

A:    Huawei Pay Wallet App and its QR Payments will work on all Huawei and
Honor Phones in Pakistan, but for NFC / Tap & Pay transactions, it will only
work on mobile phones which have NFC feature available in a device. 

 

Q:   How can I add my Virtual Card in Huawei Pay Wallet App? 

A:    Following are the steps to add Virtual card in Huawei Pay:

 

 * Download Huawei Wallet app from Huawei App Gallery or Play Store from Huawei
   Phone
 * Login on Huawei Pay Wallet App with valid credentials.
 * User select add a bank card option and enters his/her “NBP UPI Virtual Card
   number” in Huawei Pay Wallet App
 * User tap on “Agree” button for Terms & Conditions
 * User enters registered Mobile Number.
 * User extracts OTP from SMS received from NBP and enters the same on Huawei
   Pay to link a card.

 

Q:   What financial transactions I can perform through Huawei Pay?

A:    User can perform following financial transactions:

 

 1. Merchant presented QR payment (Local & International)
 2. Consumer presented QR payment (Local & International)
 3. Tap to Pay / NFC Payments (Local & International)

 

Q:   What Non-financial transactions I can perform through Huawei Pay?

A:     User can perform following Non-financial transactions:

 1. Addition of NBP UPI Virtual Card in Huawei Pay Wallet App
 2. Create Payment PIN
 3. Change Payment PIN
 4. Forgot Payment PIN
 5. Remove NBP UPI Virtual Card from Huawei Wallet

 

Shariah Restrictions

Q:   What are the Shariah related restrictions on NBP Mobile Banking / Internet
Banking Transaction?

A:    NBP Mobile Banking Application / Internet Banking shall not be used as
payment for Shariah prohibited product(s). In this regard, Bank has right to
block the NBP Mobile Banking Application / Internet Banking immediately if
transaction is executed for Shariah prohibited product(s). Further,

 * No overdraft facility is allowed.
 * Only takaful products should be processed for payments.
 * Only Shariah Compliant Investment Products should be processed for payments.
 * School/Education payments should not be processed with late fee charges.

 

Q:   What are the prohibited merchants/products?

A:    NBP Mobile Banking Application / Internet Banking shall not be used as
payment for following Shariah prohibited merchant(s)/product(s). However, list
of prohibited merchant(s)/product(s) will be updated on bank’s website from time
to time.

5715

Wholesaler- alcohol 

5733

Music shops – musical instruments, pianos, and sheet music 

7273

Dating and escort services 

 

 




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