In these Terms and Conditions:
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“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.
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“Bank” means Allied Bank Limited.
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“Branch” means the branch of Allied Bank Limited which holds the Cardholder’s Account.
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“Card” means the Allied Visa Debit Card, including any replacement of the Card.
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“Cardholder” means the person to whom the Card is issued and who has the sole authority to operate the Account in accordance with the Bank mandate.
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“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 (TPIN), where the context so permits.
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“OTP” means a six-digit one-time password sent to the customer’s mobile number or email registered with Allied Bank at the time of online transactions.
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“Transaction” means any cash withdrawal or payment made using the Card or Biometric, or any refund arising in connection with the use of the Card or Biometric in any authorised manner for debit or credit to the Account.
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“e-Commerce” means the transaction of making payments for online purchases via internet or mobile platforms.
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“VISA” means Visa International Service Association.
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“Biometric” means access to the ATM using thumb impression authentication.
The Card/Biometric may be used to withdraw cash at any Automated Teller Machine (ATM), or to access additional banking services available at ATMs (e.g., funds transfer within Allied Bank or to other banks in Pakistan, payment of utility bills, and other services).
The Card may also be used for payments at merchants — both online (e-Commerce) and physical retail locations — where the VISA Plus sign is displayed, subject to compliance with applicable VISA rules and regulations.
The Cardholder may avail other Digital Banking Services in accordance with the Bank’s mandate, including but not limited to Internet and Mobile Banking, SMS Banking, Interactive Voice Response (IVR), and any other services the Bank may make available to Allied Visa Debit Card holders. These services may be activated by the Cardholder through sign-up or opt-in procedures as defined by the Bank.
The Bank may activate Electronic Funds Transfer (EFT) services only for those payment instruments and channels for which the customer’s explicit consent has been obtained.
Any transaction conducted via the Allied Bank Debit Card — whether in Pakistani Rupees (PKR) or a foreign currency — at international or online merchants will be subject to open market currency conversion rates and a Currency Conversion Fee. The Bank provides no warranty and assumes no liability for limitations in currency conversion or availability of foreign exchange, whether imposed by the State Bank of Pakistan or otherwise.
The Bank will issue a Card only after the Cardholder has duly completed an application form, agreed to these Terms and Conditions and the Terms and Conditions for Bank Accounts, and the Bank has accepted the application.
Opening and maintaining a bank account with the Bank is a prerequisite for the issuance of the Card or use of Biometric services.
The Card remains the property of the Bank. The Bank, or any authorised officer, employee, associate, or agent of the Bank, may retain the Card, require the Cardholder to return it, or suspend its use at any time at its sole discretion. The Bank shall not be liable for any loss incurred by the Cardholder as a result thereof.
The Card may not be used by anyone other than the Cardholder. In cases where the Card is surrendered or retained by the Bank, biometric access may also be suspended.
The Card will not become valid or operational until the Cardholder acknowledges receipt of the Card and accepts the Terms and Conditions of Card usage. The Card must then be activated through the mode specified by the Bank.
The Card is only valid for the period shown on it and must not be used beyond that period or after the Bank has issued a written notice requiring its return. Upon expiry, the Card must be destroyed by cutting it in half through the magnetic strip.
Activation of the Card is a mandatory requirement for using biometric access.
Note: E-commerce functionality is pre-activated on all Visa Debit Cards. To deactivate this facility, customers must contact the ABL Helpline at 042-111-225-225.
For customers in Pakistan, Allied Phone Banking calls from 1222.
The Cardholder must take all necessary precautions to prevent unauthorised use of the Card and its associated PIN. If the Card is lost or stolen, the Cardholder must immediately notify the Bank by telephone using the contact number(s) provided and must also notify the Bank in writing without delay.
The Cardholder will remain liable for all transactions made prior to the Bank being notified in the manner described above.
The Cardholder is required to cooperate with the Bank’s officers, employees, representatives, agents, and/or law enforcement authorities in any efforts to recover the Card. The Bank may disclose information about the Cardholder or the Account if it believes this may help avoid or recover any loss arising from the misuse, theft, or unauthorised use of the Card.
If the Card is found after the Bank has been notified of its loss or theft, the Cardholder must not attempt to use it. The Card must be destroyed by cutting it through the magnetic strip and returned to the Bank immediately.
At the request of the Cardholder, the Bank will issue a Personal Identification Number (PIN). The Cardholder must take all reasonable precautions to protect the PIN and must destroy the PIN mailer promptly upon receipt.
The Cardholder agrees:
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Not to disclose the PIN to anyone.
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Not to write the PIN on the Card or any item normally kept with it.
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Not to record the PIN in a manner that could be understood by others.
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To notify the Bank immediately if the PIN is known or suspected to be known by another person.
If the PIN is stored with the Card and the Card is subsequently lost or stolen, the Cardholder will be liable for all PIN-related transactions. Disclosure of the PIN to another party will make the Cardholder liable for all resulting transactions.
The Cardholder agrees that charges, fees, levies, duties, and other expenses (collectively referred to as “Charges”) will be imposed by the Bank for the issuance and use of the Card and/or Biometric facility. The Cardholder further agrees to pay and reimburse the Bank for all such Charges immediately upon demand.
These Charges are subject to change at the sole discretion of the Bank. Cardholders will be informed of such changes through general or specific notice, including but not limited to newspaper publication or digital communication. Continued use of the Card and/or Biometric facility after the effective date of revised Charges will be deemed as acceptance by the Cardholder.
The latest Schedule of Charges is available at the nearest Allied Bank branch or can be downloaded from the Bank’s official website at www.abl.com.
All Charges are non-refundable unless otherwise specified by the Bank. Any Charges or fees payable to VISA in connection with the use of the Card, including any adjustments made by VISA, will be the sole responsibility of the Cardholder. The Bank shall bear no liability in this regard.
For transactions involving foreign currency — whether through POS, e-Commerce, or other channels — the Cardholder will also be liable for currency conversion fees, service charges, and applicable taxes.
The total amount of any transactions carried out on any given day shall be subject to the limits and conditions notified in writing to the Cardholder by the Bank from time to time, effective from the date of such notice. The Cardholder is not authorised to initiate transactions using the Card or through Biometric access in excess of the available credit balance in the Account and must retain sufficient margin for applicable charges (if any) levied by the Bank.
If the Bank is asked to authorise a transaction, it may consider other transactions that have already been authorised but not yet debited to the Account, as well as any other transactional activities, applicable limits (for details, please visit www.abl.com), and other relevant conditions. If the Bank determines that there are or will be insufficient funds in the Account to settle the requested transaction, it may, at its sole discretion, refuse to authorise the transaction, in which case it will not be debited to the Account. The Bank shall not be liable for any loss resulting from such refusal to authorise a transaction.
The Cardholder shall not initiate electronic fund transfer (EFT) transactions beyond the intraday limits as prescribed by the Bank from time to time for the Cardholder’s account.
If there are insufficient funds in the Account to pay for any transaction or amount payable—including mark-up, fees, charges, currency conversion fees, service fees, or any other payments due to the Bank—the Bank may, at its sole discretion (without obligation), transfer or arrange the transfer of sufficient funds from any other account held by the Cardholder with the Bank to cover the shortfall.
In this regard, the Cardholder authorises and consents to the Bank consolidating, combining, or setting off such credit balances from other account(s) held by the Cardholder against the transactions charged or to be charged to the Account.
The Bank shall not be liable for any loss resulting from the refusal of a retailer, supplier, online merchant, other bank, or card-operated machine to accept the Card for any transaction. Any claims the Cardholder may have against such parties shall not be used as a set-off or counterclaim against the Bank.
The Bank shall not be responsible for the quality, quantity, suitability, merchantability, or delivery of any goods or services purchased using the Card. The retailer, supplier, or merchant shall in no way be deemed an agent of the Bank, and the Bank assumes no liability for any representation, omission, or non-performance on their part.
The Cardholder must regularly review transaction records via the Account Statement sent by the Bank, accessible as per the agreed frequency or through Internet Banking or mini-statements at ATMs using the Card or Biometric access.
The Cardholder must notify the Bank in writing within seven (7) days of the transaction or issuance of the Statement (whichever is later) of any discrepancies or irregularities. If no such notice is received within this time, the Bank shall consider all transactions to be correct and conclusive.
In cases where the Card or Biometric is used at an ATM or through authorised digital channels and results in short or no payment, the Cardholder must notify the Bank in writing within seven (7) working days. Failure to do so will result in the Bank’s records being deemed conclusive. In the case of transactions made through ATMs not operated by the Bank, the Bank shall rely on data received from 1LINK. Any transaction not debited in real time may be processed at a later date without prior notice to the Cardholder.
A transaction cannot be cancelled by the Cardholder once completed. However, the Bank reserves the right to reject or suspend any transaction—especially electronic fund transfers (EFTs)—that are missing mandatory information or have improperly filled fields.
Subject to these Terms and Conditions, the Bank will normally debit the transaction amount to the Account once it receives proper instructions. However, it shall not be liable for any delays in debiting transactions.
If a refund is issued by a retailer or supplier, the Bank will credit the Account once it receives the correct instructions and funds. The Bank shall not be liable for any delay in receiving such instructions or funds.
Without prejudice to the aforementioned provisions, the Bank may, at its sole discretion, from time to time promote the goods or services of specified companies (“affiliates”) to its Cardholders. If the Cardholder avails of any such promotion, the Cardholder agrees to abide by the promotional Terms and Conditions set by the affiliate, in coordination with the Bank.
Such promotions may be withdrawn without prior notice to the Cardholder.
The Bank may terminate the agreement at any time by notifying the Cardholder in writing at the Cardholder’s last recorded address, as per the Bank’s records. The Cardholder may terminate the agreement by notifying the Bank in writing, cutting the Card into two halves through the magnetic strip, and returning it to the Bank. Termination shall become effective upon receipt of such notice by the Bank and after recovery of any outstanding dues, subject to the terms specified herein.
The agreement shall remain in full force and effect in respect of any transaction completed but not yet debited to the Account at the time of termination.
Termination of this agreement shall not affect any liabilities arising from actions taken or omissions made prior to the termination date.
The Bank shall not be liable to the Cardholder for any loss resulting from its inability to provide banking or other services due to strikes, industrial action, power failures, system or equipment malfunctions, or other causes beyond its control.
The Bank shall not be liable for accidental death, injury, or property damage sustained by the Cardholder while using the Card or Biometric features at ATM rooms or locations. The Cardholder uses such facilities entirely at his/her own risk, cost, and consequences.
In cases where the Card or Biometric is used for bill payments, the Cardholder remains solely responsible for any penalties or surcharges imposed by the service provider due to late payment, even if proper notice and details were given to the Bank.
The Cardholder is obligated to keep the PIN and OTP secure at all times. In the event of card loss, theft, or failure to protect the PIN or OTP, the Bank shall not be held liable for any unauthorized or fraudulent transactions (“Transactions”). The Cardholder must notify the Bank immediately in such cases.
These Terms and Conditions, along with any associated charges, may be amended by the Bank at its sole discretion, by providing the Cardholder with at least twenty-one (21) days’ prior notice through written communication, general notice, or newspaper publication. The effective date of such changes will be as specified in the notice. Continued use of the Card after the effective date shall constitute the Cardholder’s acceptance of the revised Terms and Conditions.
The Cardholder authorizes the Bank to disclose information related to the Cardholder, the Card, the Account, and any transactions to any member of the Bank’s corporate group, third-party processors, service providers, or card personalisation firms, as deemed necessary.
The Bank may also disclose such information as required by applicable laws, regulations, or accepted industry practices.
The Cardholder agrees to indemnify and hold the Bank harmless from any loss, damage, cost, or expense arising from the Cardholder’s breach of these Terms and Conditions or any related Account Terms, or due to unauthorized or illegal transactions made using the Card.
In the event of the Cardholder’s death, the Cardholder’s next of kin or legal successors must notify the Bank immediately. The Card must be returned for cancellation, and the Account will be frozen until legal documentation—such as a succession certificate—is provided. Any transactions carried out prior to such notice using the Cardholder’s PIN or OTP shall remain the sole responsibility of the Cardholder.
These Terms and Conditions are to be read alongside the Account opening Terms and Conditions, which shall apply to the Account as amended from time to time.
These Terms and Conditions are governed by the applicable rules and regulations of the State Bank of Pakistan and the laws of the Islamic Republic of Pakistan. All disputes shall fall under the exclusive jurisdiction of courts in Pakistan.
These Terms and Conditions are also issued in Urdu and/or other regional languages. In case of any discrepancy in interpretation, the English version shall prevail and be deemed authoritative.
Upon the Cardholder’s request, the Bank is authorized to update contact information and will send OTPs only to the updated mobile number or email address registered by the Cardholder.
If services—especially Electronic Fund Transfer (EFT)—are to be temporarily unavailable due to system maintenance or upgrades, the Bank will notify Cardholders in advance via SMS, email, or newspaper advertisements, etc.
For dispute or error resolution, including EFT-related issues, the Cardholder must promptly contact the Bank’s Customer Service Support Centre and provide the required details. Delayed or incomplete submission of information may result in the Bank disclaiming responsibility for any resulting loss or damage.
Details regarding VISA services, discounts, promotions, and privileges, along with applicable Terms and Conditions, are available on the ABL corporate website (www.abl.com). These are subject to change at VISA’s sole discretion. The VISA Terms and Conditions must be read in conjunction with the Account opening and Allied Visa Debit Card Terms and Conditions.