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These Terms and Conditions comprise the Agreement between the Bank and the Cardholder in connection with the Cardholder’s Allied UPI PayPak Debit Card and Biometric ATM Access. These Terms and Conditions must be read in conjunction with the Terms and Conditions for bank accounts as applicable from time to time.

  • Account” means the bank account held or to be held with the Bank in the name of the Cardholder (whether solely or jointly with another person), the number of which is or shall be specified in the application form for the Card and communicated to the Cardholder as appropriate.
  • “Bank” means Allied Bank Limited.
  • “Branch” means that branch of Allied Bank Limited, which holds the Cardholder’s Account.
  • “Card” means the Allied UPI/ PayPak co-badged Debit Card or Allied Basic Debit Card, including any replacement of the Card.
  • “Cardholder” means the person to whom Allied UPI/ PayPak co-badged Debit Card or Allied Basic Debit Card is issued and having power alone to operate the Account in accordance with the Bank mandate in respect thereof.
  • “PayPak” means domestic payment scheme owned and operated by 1LINK (Pvt.) Ltd duly approved by State Bank of Pakistan.
  • “UPI” means international payment scheme owned and operated by China Union Pay International.
  • “PIN” means the Personal Identification Number or an encrypted number, which the Cardholder uses from time to time with the Card and includes the Telephone Personal Identification Number or TPIN where the context so permits.
  • “Transaction” means any cash withdrawal or payment made using the Card/ Biometric or any refund arising in connection with the use of the Card/ Biometric in any authorised manner for debit or credit to the Account.
  • “Biometric” means access to the ATM using thumb impression.
  • “e-Commerce” is the transaction of making payments for online purchases. e-Commerce means electronic commerce and include both internet and mobile commerce.

  • The Card/Biometric may be used to withdraw money at any Automated Teller Machine (“ATM”) or to access any additional banking services offered through the ATMs (e.g. transfer of funds locally from one account to another within the Bank or any other bank in Pakistan, as well as payment of utility or other bills). The Card may also be used for payment of goods and/or services whether online/e-commerce or at retailers or suppliers internationally where UPI sign is displayed and locally where PayPak sign is displayed and who accept the Card, subject to compliance with UPI and PayPak rules and regulations as applicable from time to time.
  • Cardholder may avail other Digital Banking services in accordance with the Bank mandate including but not limited to Internet and Mobile Banking, SMS Banking and IVR facilities and any other Payment services/ facilities which the bank may make available for UPI/ PayPak co-badged Debit Cardholders from time to time for which the cardholder signup/ opt as per the prevailing procedures of the bank. The Bank may activate Electronic Funds Transfer (EFT) services only for those payment instruments and channels against which customer’s consent will be obtained.
  • If the Cardholder uses the Card for payments in foreign currency, such as Transactions outside Pakistan (including ATMs, POS purchases and e-Commerce transactions), the Cardholder will also be liable for currency conversion and service fee which is charged upfront at the time of the Transaction. However, the Bank makes no warranty nor assumes any liability or responsibility for any limitation on conversion or availability of foreign exchange whether due to State Bank of Pakistan or otherwise.
  • Allied Basic Debit card cannot be used outside Pakistan and for online/e-commerce shopping.
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