- The bank is accessible 24/7
- Secure and convenient banking
- Monthly subscription fee plus applicable taxes, in accordance with the Bank’s applicable Schedule of Charges
- 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:
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Add 0300 1225225 to their contact list
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Open WhatsApp and send a message (e.g., “Hi”, “Hello”, “Menu”)
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Complete registration where required. Review the subscription fee, fair usage limits and Terms and Conditions, and provide your consent to continue.
Account Balance Inquiry
- Tap Account Services, then Balance Inquiry. Your balance will be sent in a separate reply. You can make one successful Balance Inquiry per calendar day, up to 10 per calendar month. For frequent free of charge balance inquiries, please register to myABL Digital Banking [Link: https://www.abl.com/personal/digital-banking-services/myabl-digital-banking/myabl-personal-internet-and-mobile-banking/]
Mini Statement
- Tap Account Services and select Mini Statement to view recent transactions. You can make one successful Mini Statement request per calendar day, up to 10 per calendar month. For frequent free of charge inquiries of mini statement, please register to myABL Digital Banking [link: https://www.abl.com/personal/digital-banking-services/myabl-digital-banking/myabl-personal-internet-and-mobile-banking/]
Account Services
- Access services by tapping Account Services in the menu. Options include:
- Balance Inquiry
- Mini Statement
- Account Statement (1 or 6 months)
- Convert to Islamic Banking Account
- Activate Dormant Account
- IBAN Generator
- WHT Certificate
- Account Maintenance Certificate
- Cheque Status Inquiry
- Unsubscribe myABL WhatsApp Banking
The Other Services menu includes:
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Open Digital Account (Pakistan Digital Account or Roshan Digital Account)
- Verify Pay Order
- Verify Bank Guarantee
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Apply for New Credit Card
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Chat with ABL – Speak with a representative 24/7 and get product information
- Change Language
General Information
Are there any charges applicable for using myABL WhatsApp Banking?
From October 19, 2026, a monthly subscription fee plus applicable taxes applies in accordance with the Bank’s applicable Schedule of Charges. You must provide fresh consent to the paid service effective October 19, 2026. A 15-day free-look period starts from the date of that consent, during which you may unsubscribe without charge. Any fee recovered during that period will be reversed within the applicable regulatory timeframe.
How do I initiate a conversation in the myABL WhatsApp Banking service?
Add 0300-1225225 to your contacts and send “Hi” or “Menu”. Tap Account Services to select your service.
Is WhatsApp Banking available with any number other than 0300-1225225?
No. This service is only available via the official Allied Bank WhatsApp number 0300-1225225. You must verify the business identity before sharing information.
Registration and Eligibility
Do I need to register for myABL WhatsApp Banking?
Registration is required for availing myABL WhatsApp Banking services. Follow the official registration flow and review the subscription fee, fair usage limits and Terms and Conditions before providing consent.
You will be asked to enter the last 4 digits of your CNIC and complete the verification steps shown in the official registration flow. You must accept the Terms and Conditions, subscription terms and fair usage limits.
Registration disclosure: “myABL WhatsApp Banking is subject to a monthly subscription fee plus applicable taxes from 19 October 2026, as per the Bank’s applicable Schedule of Charges. Balance Inquiry and Mini Statement are each limited to one successful request per day and 10 per calendar month. By selecting ‘Agree’, you accept the subscription terms, fair usage limits and Terms and Conditions, including the 15-day free-look provision.”
Note: If you change your mobile number in ABL’s records, re-registration will be required.
What types of accounts can register on WhatsApp Banking?
All individual and joint accounts (with “either or survivor” instructions) are eligible.
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.
Transfers, Payments and Mobile Top Ups
Can I transfer funds, pay bills or top up my mobile through WhatsApp Banking?
Funds transfers, including FT, IBFT and RAAST, bill payments and mobile top-ups are no longer available through WhatsApp Banking. Please use myABL Digital Banking for these services. myABL Digital Banking services are free of charge and are not subject to any fair usage limits.
Visit the official myABL page to access the app download options:
Fair Usage Limits
What limits apply to Balance Inquiry and Mini Statement?
Each service allows one successful request per calendar day, up to 10 successful requests per calendar month. These limits apply separately to each service and per registered customer across linked accounts.
When do my allowances reset?
Daily allowances reset at 12:00 a.m. Pakistan Standard Time. Monthly allowances reset at 12:00 a.m. on the first day of each calendar month. Unused allowances do not carry forward. The fair usage daily reset is separate from the rolling 24-hour splash interval.
What happens if I reach a limit?
Your request beyond allowed limit will be declined. The affected service becomes available again when the relevant allowance resets. Other available WhatsApp Banking services remain accessible, subject to your subscription status. You can use myABL Digital Banking for further inquiries.
Account Services
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.
Can I view account statements for foreign currency accounts?
Yes. Statements for all linked accounts, including foreign currency accounts, can be accessed.
WHT Certificate
For what period can I generate a WHT certificate?
You can generate WHT certificates for the last two years.
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
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.
Can I check the status of multiple cheques in one message?
No. Each cheque inquiry must be sent in a separate message.
What statuses might I see?
Possible statuses include: Used, Not Used, or Stopped.
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
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.
How can I generate an AMC via WhatsApp?
Tap Account Maintenance Certificate under “Account Services” in WhatsApp and follow the instructions.
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
Are the downloadable files Account Statement WHT Certificate and AMC secure?
Yes. All PDF files are safe and password-protected for customer security
myABL WhatsApp Banking Subscription Fee
Following a revision to WhatsApp Business messaging pricing by Meta, the parent company of WhatsApp, Allied Bank is introducing a monthly subscription fee for myABL WhatsApp Banking.
With effect from 19 October 2026, a monthly subscription fee plus applicable taxes, shall apply to myABL WhatsApp Banking in accordance with the Bank’s applicable Schedule of Charges.
The customer shall be provided with a free-look period of 15 days commencing from the date of providing fresh and verifiable consent to the paid service. During the free-look period, the customer may unsubscribe without any charge by selecting the “Unsubscribe” option in myABL WhatsApp Banking. Any subscription fee recovered during this period shall be reversed within the applicable regulatory timeframe.
Upon expiry of the free-look period, the monthly subscription fee plus applicable taxes will be recovered from an eligible active account maintained by the customer with Allied Bank, in accordance with the customer’s consent and the Bank’s applicable Schedule of Charges.
The customer may unsubscribe from myABL WhatsApp Banking at any time by selecting the “Unsubscribe” option. Unsubscribing will discontinue access to myABL WhatsApp Banking and prevent the recovery of future subscription fees.
If the subscription fee cannot be recovered when due, the customer will be immediately unsubscribed from myABL WhatsApp Banking and further banking services will not be served through WhatsApp. Re-registration is subject to the applicable consent and subscription requirements.
Fair Usage Policy
A customer may make one successful Balance Inquiry and one successful Mini Statement request per calendar day, subject to a maximum of 10 successful requests for each service per calendar month. The limits apply separately to each service and are calculated per registered customer across all linked accounts.
Daily transaction limit will reset 24 hours after customer start using WhatsApp Banking.. Monthly allowances reset at 12:00 a.m. on the first day of each calendar month. Unused allowances do not carry forward.
Once a limit is reached, the affected service will be unavailable through WhatsApp Banking until the relevant allowance resets. Other available WhatsApp Banking services remain accessible, subject to an active subscription.
General Terms
- “Bank” refers to Allied Bank Limited and/or its successors/assignees.
- “Customer” or “Account Holder” refers to the person interacting with the Bank via WhatsApp.
- “WhatsApp” is a communication application provided by WhatsApp Inc.
- “myABL WhatsApp Banking Service” refers to banking services provided via WhatsApp using 0300 1225225.
- “Controller” means an entity (person/legal/government) with authority to make decisions about a customer’s personal data.
- “Processor” is any person/entity who processes personal data on behalf of the Controller.
- “Processing” includes all operations on personal data such as collection, storage, sharing, or deletion.
- “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 in accordance with applicable requirements. Changes will be communicated through the applicable customer-notification process. Continued use does not replace any fresh consent required for the paid service or a material change. If the customer disagrees, they may unsubscribe 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 binding on the customer/Account Holder(s).
I/We confirm that I/we have read, understood and accepted these Terms and Conditions, including the subscription fee and applicable taxes, the 15-day free-look provision, and the separate daily and monthly fair usage limits for Balance Inquiry and Mini Statement.
