myABL WhatsApp Banking

• The bank is accessible 24/7

• Secure and convenient banking

• Free of charge – no fees apply

• Offers financial inquiries and other services

• Customer support available via chat

Using myABL WhatsApp Banking is as simple as chatting with a friend. Customers should:

1. Add 0300 1225225 to their contact list

2. Open WhatsApp and send a message (e.g., “Hi”, “Hello”, “Menu”)

3. Follow the on-screen menu to access services

• Account Balance Inquiry
  Check balances of all your accounts by tapping Account Balance in the main menu.

• Mini Statement
  Get your recent transaction history by selecting Mini Statement.

• Mobile Top-Up
  Recharge your mobile number after activating WhatsApp Financial Services via myABL. Tap Mobile Top-Up from the main menu.

• Account Services
  Access services by tapping Account Services in the menu. Options include:

  • Account Statement (1 or 6 months)

  • IBAN Generator

  • WHT Certificate

  • Account Maintenance Certificate

  • Cheque Status Inquiry

Available to both ABL and non-ABL customers under Other Services:

• ATM & Branch Locator

• Open Digital Account (Pakistan Digital Account or Roshan Digital Account)

• Offers & Discounts

• Schedule of Charges

• Apply for New Credit Card

• Chat with ABL – Speak with a representative 24/7 and get product information

General Information

Q: Are there any charges applicable for using myABL WhatsApp Banking?

This service is free. Allied Bank does not charge any fee to customers.

Q: How do I initiate a conversation in the myABL WhatsApp Banking service?

Add 0300-1225225 to your contacts and send any message such as “Hi” or “Menu” to start using the service.

Q: Is WhatsApp Banking available with any number other than 0300-1225225?

No. This service is only available via 0300-1225225, which carries a green verified badge.

Registration & Eligibility

Q: Do I need to register for myABL WhatsApp Banking?

Registration is not initially required. However, for services like Account Balance Inquiry, Mini Statement, and Mobile Top-Up, a one-time registration will be triggered.

You will be asked to enter the last 4 digits of your CNIC and accept the Terms & Conditions.

Note: If you change your mobile number in ABL’s records, re-registration will be required.

Q: What types of accounts can register on WhatsApp Banking?

All individual and joint accounts (with “either or survivor” instructions) are eligible.

Q: Do I need to share any sensitive information?

No. Allied Bank will never ask for card numbers, account details, passwords, or PINs. Only the last 4 digits of CNIC are required during registration.

Mobile Top-Up & Bill Payment

Q: Can I enable Mobile Top-Up via WhatsApp?

No. This feature must be enabled from the myABL mobile app by navigating to:
Settings > Manage Other Apps

Q: Is there a transaction limit for Mobile Top-Up?

Yes. The daily limit for Mobile Top-Up is PKR 5,000.

Q: Can I pay my postpaid mobile bill through WhatsApp Banking?

No. Only prepaid Top-Up is available.

Q: Can I add a mobile recharge biller through WhatsApp Banking?

No. You must add billers through the myABL app. Only billers added through the app will appear in WhatsApp Top-Up options.

Account Services

Q: What is the duration for which I can generate an Account Statement?

You can download account statements for the last 1 month and last 6 months.

Q: Can I view account statements for foreign currency accounts?

Yes. Statements for all linked accounts, including foreign currency accounts, can be accessed.

WHT Certificate

Q: For what period can I generate a WHT certificate?

You can generate WHT certificates for the last two years.

Q: What if I receive a message: “Dear Customer, no data found against selected option”?

This message means no data is available for the selected account, category, or time period.

Cheque Status Inquiry

Q: What is the Cheque Status Inquiry service?

This allows you to check the current status of any issued cheque using the last 8 digits of the cheque number.

Q: Can I check the status of multiple cheques in one message?

No. Each cheque inquiry must be sent in a separate message.

Q: What statuses might I see?

Possible statuses include: Used, Not Used, or Stopped.

Q: Can I check cheques from any of my accounts?

Yes. You can check the status of cheques from any account linked to WhatsApp Banking.

Account Maintenance Certificate (AMC)

Q: What is the Account Maintenance Certificate and why is it needed?

The AMC verifies your account status and details. It may be required for visa applications, loan processing, or official documentation.

Q: How can I generate an AMC via WhatsApp?

Tap Account Maintenance Certificate under “Account Services” in WhatsApp and follow the instructions.

Q: What details are included in the AMC?

The certificate will include your account number, account holder name, account type, current balance, and other relevant information.

Security of Downloads

Q: Are the downloadable files (Account Statement, WHT Certificate, AMC) secure?

Yes. All PDF files are safe and password-protected for customer security.

1. “Bank” refers to Allied Bank Limited and/or its successors/assignees.

2. “Customer” or “Account Holder” refers to the person interacting with the Bank via WhatsApp.

3. “WhatsApp” is a communication application provided by WhatsApp Inc.

4. “myABL WhatsApp Banking Service” refers to banking services provided via WhatsApp using 0300 1225225.

5. “Controller” means an entity (person/legal/government) with authority to make decisions about a customer’s personal data.

6. “Processor” is any person/entity who processes personal data on behalf of the Controller.

7. “Processing” includes all operations on personal data such as collection, storage, sharing, or deletion.

8. “Third Party” refers to anyone other than the customer, processor, or data controller.

Registered Customer Number: The mobile number registered by the customer with the Bank.

Device: Any mobile, tablet, or computer used to access WhatsApp and banking services.

• These terms form an agreement between the Bank and the customer for using myABL WhatsApp Banking Services, to be read along with ABL’s general account terms. The Bank may suspend services or impose limits without prior notice if the customer violates these terms.

• The Bank may update these terms. Continued use after changes will imply acceptance. If the customer disagrees, they must unregister from the service.

• The customer agrees that the Bank will process and share personal data (if required) to fulfill service requests, and this may involve third-party processors. The customer consents to data processing through WhatsApp, a cloud-based service outside Pakistan, with encrypted communication.

• Customers can unsubscribe from services and request to halt data processing, but this will take effect after the Bank processes the request. The Bank will not be liable for actions taken before service cancellation is confirmed.

• All services are subject to State Bank of Pakistan regulations, Pakistani laws, ABL policies, and WhatsApp’s policies. Pakistani courts will have jurisdiction.

• Customers must not reverse engineer the service. While the Bank strives to offer reliable services, it offers no guarantees regarding performance, speed, or availability. The Bank and its affiliates shall not be liable for damages from service use, delays, or interruptions caused by events beyond its control (e.g., natural disasters, outages, or pandemics).

• Customers must ensure their devices and operating systems are compatible with WhatsApp services and upgrade software as needed. The Bank is not responsible for compatibility issues.

• The customer authorizes the Bank to access accounts and share information with third parties for service execution. Post-registration via OTP, the Bank will treat all requests from the registered mobile number as genuine.

• Although messages are encrypted, the customer understands the risk of interception or misuse and agrees that the Bank is not responsible for such consequences.

• If changing devices, customers are advised to delete WhatsApp to avoid misuse. The Bank is not liable for any loss due to failure to do so.

• The customer accepts that WhatsApp or related providers may monitor communications, and the Bank is not responsible for data shared on the platform.

• The Bank’s interpretation of these Terms & Conditions shall be final.

I/We confirm that I/we have read, understood, and agreed to the above Terms & Conditions.