Branchless Banking


Alif is an innovatively designed branchless banking mobile wallet featuring a debit card that is powered by UnionPay International. It has been created to meet the objective of augmenting financial inclusion in Pakistan, consequently reducing the gap between the banked and unbanked population.

In order to do so, this mobile wallet product has been designed to replicate a regular banking account, but with minimum account opening requirements and a wide range of functionalities.

Alif will allow customers to perform the following activities:

  • Balance inquiry
  • Mini statement
  • View individual transaction details
  • Fund transfers
  • Utility bill payments
  • Mobile top up and bill payments
  • Interbank transfers

Alif customers will be able to deposit funds into their wallet using the following options:

  • Incoming funds transferred from another wallet
  • Incoming IBFT from another bank account
  • Pull funds from linked BAFL account
  • Cash deposit at agent

Alif customers can use the funds in their wallet through the following options:

  • Funds transfer to another wallet
  • Domestic remittance to any CNIC
  • IBFT to another bank account
  • Push funds to linked BAFL account
  • Cash withdrawal from agent
  • ATM cash withdrawal
  • Purchase at POS
  • Mobile wallet transactions

Alif customers can use their cards at all ATM’s and POS machines within Pakistan. Simultaneously, Bank Alfalah is also working on a number of initiatives that will widen the access channels for Alif users, not only making access easier, but also making it possible to operate the account on-the- go!


For details about our Branchless Banking Products & Services call our Phone Banking Service at 021-111-225-229.


24/7 Customer Support

For details about our Products & Services call our Phone Banking Service at 111-225-111