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These Terms and Conditions comprise the Agreement between the Bank and the Cardholder in connection with the Cardholder’s Allied Visa Debit Cardand 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 Visa Debit Card, including any replacement of the Card.
  • “Cardholder” means the person to whom Card is issued andhaving power alone to operate the Account in accordance with the Bank mandate in respect thereof.
  • “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.
  • “OTP” means 6 digits one-time password which is sent to customer’s mobile number or email registered with allied bank at the time of online transactions.
  • “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.
  • “e-Commerce” is the transaction of making payments for online purchases. e-Commerce means electronic commerce and include both internet and mobile commerce.
  • “VISA” means Visa International Service Association.
  • “Biometric” means access to the ATM using thumb impression.

  • 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 for goods and/or services, whether online/e-commerce or at retailers or suppliers worldwide who display the VISA Plus sign and who accept the Card, subject to compliance with VISA 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 Allied Visa Debit Card holders 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 is 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, service fee and applicable taxes which will be 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.

The Bank will issue a Card only if the Cardholder has duly completed an application form, agreed to these Terms and Conditions and the Terms and Conditions for bank accounts and it has been accepted by the Bank. Opening and maintaining a bank account with the Bank is a condition precedent for the issuance of the Card or use of Biometric.

The Card belongs to the Bank and the Bank or any authorised officer, servant, employee, associate or agent of the Bank may retain the Card, require the Cardholder to return the Card or suspend the use of the Card at any time in its absolute discretion and the Bank shall not be liable for any loss suffered by the Cardholder as a result thereof. The Card may not be used by any person other than the Cardholder. In case the Card is required to be surrendered or retained by the Bank, the Biometric 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 for Card usage. The Card will then require to be activated by such mode as the Bank may specify. The Card is only valid for the period shown on it and must not be used outside that period or if the Bank has required by notice in writing to the Cardholder that it be returned to the Bank. When the period of validity of a Card expires, it must be destroyed by cutting it in half through the magnetic strip. In order to use Biometric, activation of the Card is a mandatory requirement.

E-commerce facility is pre-activated on all Visa Debit Cards. Customer must call ABL Helpline 111-225-225 if he/ she wishes to de-activate the facility.

The Cardholder must take all precautions to prevent unauthorized use of the Card and its PIN. If the Card is lost or stolen, the Cardholder shall immediately notify the Bank by telephone on the contact number(s) from time to time notified to the Cardholder and the Cardholder must, in addition, immediately notify the Bank in writing of such loss or theft. The Cardholder will be liable for all Transactions until the Bank is duly notified in the foregoing manner.

The Cardholder must co-operate with any officers, employees, representatives or agents of the Bank and/or law enforcement agencies in any efforts to recover the Card if it is lost or stolen. The Bank may disclose information about the Cardholder and the Account if the Bank thinks it will help avoid or recover any loss to the Cardholder or the Bank resulting from the loss, theft, misuse or unauthorised use of the Card. If the Card is found after the Bank has been given notice of its loss or theft the Cardholder must not use it again. The Card must be cut in half through the magnetic strip and returned to the Bank immediately.

At the request of the Cardholder, the Bank will issue a PIN to the Cardholder. If the Bank issues a PIN, the Cardholder must take all reasonable precautions to avoid unauthorised use of the PIN and destroy the PIN mailer issued by the Bank promptly after receipt. The Cardholder agrees not to disclose the PIN to someone else, never write the PIN on the Card or any other item normally kept with the Card, never write the PIN in a way that can be understood by someone else and notify the Bank as soon as possible if someone else knows or is suspected of knowing the PIN.

If the PIN is held with the Card and subsequently the Card is lost or stolen, the Cardholder will be liable for all PIN related Transactions. If the Cardholder discloses the PIN then the Cardholder will be liable for all subsequent PIN related Transactions.

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