In Pakistan, online banking has become more popular in recent years, with many banks providing digital services for tasks like managing accounts, transferring funds, and paying bills. Several banks have also introduced mobile apps, letting customers handle transactions from their smartphones. Despite these conveniences, it is compulsory to be cautious about protecting your personal and financial details when using online banking in Pakistan.

In Pakistan, there are various types of banks, including commercial banks, exchange banks, and industrial banks. Tashheer’s Research team has compiled an excellent list of the top 10 mobile banking apps in Pakistan for your convenience. Forget queues and paperwork! Pakistan’s top mobile banking apps put your finances at your fingertips.

A Comprehensive Guide to Pakistan’s Top 8 Online Banking Apps

Several banks in Pakistan provide online banking services and the best choice depends on individual needs and preferences. Some popular banks with online services are:

SC Mobile Pakistan

Standard Chartered Bank Ltd. is the oldest and biggest multinational bank in Pakistan. It was the first foreign bank to get a license for Islamic banking and set up a branch for it. The bank has about 2,800 employees and operates in ten cities with 40 branches. SC Mobile Pakistan is a well-designed and user-friendly mobile banking app that offers a wide range of features to meet the needs of SCB customers. The app is secure and convenient, and it is a great way to manage your finances, make payments, and transfer funds. The home screen of the SC Mobile app shows you a quick overview of your finances, including your account balances and recent transactions.

Award

Standard Chartered proudly earned the prestigious “Adam Smith Award 2022,” receiving special recognition for its outstanding achievements.

Ratings

Android rating (4.2)

iOS rating (4.8)

Notable Features of SC Mobile Pakistan

Credit Cards

Exclusive Cards on Standard Chartered App are:

UBL Digital

United Bank Limited (UBL) is the biggest bank in Pakistan, serving over 4 million customers. They have the largest network with more than 44,000 places where customers can do banking, including 1,400 branches, 37,000 Omni Agents, and 1,400 ATMs. UBL operates on four continents and is an expert in branchless banking with its UBL Omni platform. UBL Digital app is really great! You can shop online, pay bills, and use prepaid services from anywhere. The coolest thing is that you can keep track of your transactions, take screenshots, and share them with others. UBL Bank also offers UBL Omni for branchless banking and UBL Ameen for Islamic banking to its customers.

Awards

In 2017, UBL was honored with the title of Pakistan’s “Best Bank for Corporate Finance & Capital Market Development” at the prestigious Pakistan Banking Awards.

Android rating (4.3)

Android rating (4.7)

App Features

Notable Features of UBL Digital

HBL Mobile

HBL, also known as Habib Bank Limited, is the biggest and oldest bank in Pakistan. It started in 1939 with the Habib family and has been important for the country’s growing economy. HBL Mobile is the bank’s digital app. You can get the app by downloading it or going to the HBL website to open a digital account. Once you meet the conditions and give the necessary documents, the bank will send you a confirmation email. With the HBL mobile app, you can easily pay bills, make payments, and send money to anyone in Pakistan. The app uses industry-standard security measures to protect your financial information.

Awards

HBL has been consistently recognized for its outstanding performance. In 2021, it received the “Best Mobile Banking & Payment Initiative of the Year” award, highlighting its commitment to excellence.

Android rating (4.1)

Android rating (4.5)

App Features

Notable Features of HBL Mobile App

Meezan Mobile Banking

Meezan Bank is Pakistan’s first and largest Islamic bank. Based in Karachi, Pakistan, the bank’s headquarters, known as Meezan House, oversees a vast network of over 950 branches. It is a publicly traded enterprise with PKR 17.89 billion in paid-up capital. Starting in 2002, it quickly became one of the country’s fastest-growing banks, receiving the first-ever Islamic commercial banking license from the State Bank of Pakistan. The Meezan Mobile App comes with smart features, offering secure access to your accounts anytime, anywhere. It is designed to be simple, quick, and convenient because that’s what banking should be.

Awards

In 2022, Meezan Bank was honored as the ‘Best Consumer Bank’ ranking as the fifth strongest Islamic bank globally.

Android rating (4.5)

iOS rating (2.5)

App Features

Notable Features of Meezan Mobile Banking

NBP Digital

National Bank of Pakistan (NBP) is a government-owned multinational commercial bank with over 1,500 branches across the country. It is a subsidiary of the State Bank of Pakistan and is based in Karachi. NBP has introduced the NBP Digital Mobile Banking App for the convenience of both conventional and Aitemaad Islamic banking customers. With this app, their customers can access banking services anytime, anywhere. To use NBP Digital services, simply register by downloading the app from the Google Play Store. Tashheer’s tech team observed that the NBP Internet Banking App is a free, secure, and user-friendly web portal for all your banking needs.

Android rating (3.3)

iOS rating (2.9)

Key Features

Money Transfer & Payments

Notable Features of NBP Digital

Alfa by Bank Alfalah

Bank Alfalah started in 1997 and is owned by the Abu Dhabi United Group. Their app, called “Alfa,” is one of the top banking apps in Pakistan, but some users say it can be a bit slow at times. You can easily open a bank account using the Alfa app. Just click on Register Now and choose Open an Alfalah Digital Account. The app also lets you explore the Alfa Mall, a cool marketplace for all kinds of things you might want to buy. Send money quickly to any Bank Alfalah account or other IBFT-enabled accounts. “It has reliable features that let you easily check your loans and bancassurance details, and apply for Alfalah products with just one click.

Android rating (4.5)

iOS rating (4.4)

App Features

Notable Features of Alfa by Bank Alfalah

AL Habib Mobile

Bank Al Habib Limited is a major Pakistani commercial bank headquartered in Karachi, owned by the Dawood Habib Family. It has a vast network of 1,000+ branches in 400+ cities in Pakistan and six branches internationally. AL Habib Net banking and AL Habib MOBILE are improved versions of the current AL Habib iBanking system, offering upgraded features. You can easily sign up for the application online without calling customer service. Once you have registered, you will get a one-time password (OTP) on your phone and email for verification. After a quick check, you can enjoy the user-friendly Net banking/Mobile Banking, Al Habib Mobile, to manage your finances conveniently and securely.

Android rating (3.0)

iOS rating (4.8)

App Features

Notable Features of HBL Mobile App

MCB Live

MCB Bank Limited is a Pakistani multinational commercial bank headquartered in Lahore, Punjab, Pakistan. The Nishat Group and Maybank from Malaysia own the majority of shares. With around 1,600 branches and 1,450 ATMs across the country, it has a wide presence to serve customers. The new MCB Live digital banking system is their latest offering, designed to bring better services to all customers. It has cool features that make it easy and secure for customers to do both financial and non-financial activities. According to Tashheer’s team, This app lets account holders access online banking services through the website https://mcblive.com/ and mobile apps. MCB Live is compatible with iOS, Android, and Huawei devices.

Award

In 2020, MCB earned recognition for the ‘Best Equity Deal of the Year’ at the ABF Corporate & Investment Banking Awards.

Android rating (2.4)

iOS rating (1.8)

MCB Live Features

Tashheer research team complied all the notable features of MCB Live, Listed As

Notable Features of MCB Live

Final Words

In the world of money stuff, having a cool mobile banking app is super important. Digital banking in Pakistan has come a long way. So, as technology keeps making banking cooler, remember to pick the app that suits you best. Many mobile banks and apps now make it easy for users to create online accounts, contributing to the move towards a cashless economy. Big banks are joining in, offering digital account creation from home. Despite many still sticking to traditional banking, there’s a huge chance for new players to step in and guide the country toward a cashless future. It should be easy to use and make handling your money feel like a piece of cake. Try out these top 8 mobile banking apps in Pakistan and make your money journey as easy as tapping your screen.