FAQ’s – AlfaFAQ’s – Alfa

FAQ’s – Alfa

IBFT services are completely free of charge for Bank Alfalah customers if their monthly transaction amount doesn’t exceed PKR 25,000 per account/wallet. Once the transaction volume exceeds PKR 25,000 a charge of 0.1% or Rs.200 (whichever is lower) will be charged on every transaction.

However, Roshan Digital Account customers and premier customers may continue to enjoy IBFT services free of charge.

All Alfalah Active Account / Debit or Credit Card customers can register. Alfalah Internet Banking customers can also use their existing User ID & Password to login Alfa. In-case you do not have an Alfalah Account or a Credit Card, please request via ALFA or call us at +92 21 111-225-224.

You can use your existing Alfalah Internet Banking username and password to log in. If you do not have an Internet Banking account, you can register instantly by downloading ALFA.

No. This service will work on any type of Internet connection. It could be through a Wi-Fi connection or your pre-paid or post-paid mobile network connection.

You need the following to use Alfa Mobile App:

  • Any Android or Apple (iOS) smartphone
  • Active Alfalah Account / Debit or Credit Card, registered mobile number & email address
  • Username
  • Password

There are no other charges.

ALFA can be downloaded from Apple Store or Google Play Store on your smartphone.

  • Click on register Now
  • Click on Already bank Alfalah accountholder
  • Select from Account/ Debit Card/Credit Card
  • Enter CNIC
  • MNP
  • Mobile Number
  • DOB
  • Click on Next
  • Enter Email Address and security questions
  • Enter User Name
  • By Clicking on confirm, a prompt will appear to call helpline for activation
  • After successful activation
  • An OTAC – One time activation code will be generated. The first 5 digits/characters will be sent on your registered email and the last 5 digits/characters will be sent via SMS on your registered cell number.
  • You can log in by combining the OTAC sent to your email and cell number
  • Account balance inquiry
  • Account statement for 90 days
  • Transferring funds between your Bank Alfalah accounts
  • Transferring funds from your Bank Alfalah account to other Bank Alfalah account holders
  • Transferring funds to selected 1-LINK & MNET member banks
  • Utility bill payments
  • Credit card bill payments
  • View last 10 days Credit Card Transaction history
  • Purchasing mobile phone airtime
  • Internet Service Provider Bill Payments
  • Donations to selected charitable organizations
  • Payments for online shopping
  • Locate Nearest ATM, Branches, CDMs, and digital corner
  • Schedule Bill Payments
  • Download WHT statement and WHT Certificate
  • Alfa TDR
  • Alfa Instant Loan
  • CNIC Expiry Updation
  • Tax payment
  • Alfa Remittance
  • Goal base saving
  • Raast Account
  • School fee payment
  • Account opening through Alfa

Yes, click on Account > View statement.

You can view statement of last 90 Days.

Yes, you can download statement for up to 3 years.

Yes. Kindly go to Services> Cheque Book

Yes. Kindly click on Side Menu > Locator

Kindly go to services > Banker’s Cheque > Fill in the details and click on submit.

Account Holder or Authorized Representative nominated by Account Holder.

Yes, but requests after 4pm will be processed on the next business day.

After 48 working hours of request submission

No, an NTN is mandatory for corporate entities

Yes, but after complete processing of current requested Cheque book

Kindly go to Send Menu > My Alfa > My Alfa App > Add Account

Kindly go to Send Menu > My Alfa > My Alfa App > Blocking > Select from Temporary Blocking/ Permanent Blocking > Submit

Yes, you can use Alfa from anywhere. All you need is a stable Internet connection.

You can reset your password through Alfa or call Alfa helpline at +92 21 111-225-224 to reset your password.

You do not need to sign any physical form or visit Alfalah branch to register for ALFA.

  • Download Alfa on your smartphone
  • Register using Account, Debit or Credit Card & CNIC information

If you require guidance please contact us at +92 21 111-225-224.

Yes, your per day transaction limit is shared. It gets reduced if you perform any transaction on Internet Banking except for paying bill of your own Bank Alfalah Credit Card

Payee can be added in the following manner:

  1.  Click on My Payee section, tap on the ‘Plus’ icon and provide the required information. A One Time Authorization Code (OTAC) will be sent on the registered Mobile Number and Email Address to validate the activity.
  2. You can also add new beneficiary by conducting transaction.

Payee can be deleted in the following manner;

  • Click on My Payees.
  • Click on delete option in front of the payee.

Yes, you can transfer funds between all your accounts linked to your Alfa, using the ‘My Account’ facility.

Normally, funds are transferred instantly. In case the credit is delayed by more than a day, please call our Call Center at 111-225-111 or write to us at for assistance.

Bill payment is our online bill payment service, which allows you to pay bills to any of our listed billing companies, mobile companies, internet service providers.

You can pay bills for the following utilities:



  • K-Electric


  • Telenor
  • Ufone
  • Mobilink
  • Warid
  • Zong
  • Internet Service Provider
  • Qubee
  • Witribe
  • PTCL EVO Prepaid
  • PTCL EVO Postpaid
  • Wateen



  • SSGC


  • KWSB

Joint accountholders with operating instruction ‘either or Survivor’ register on Alfa.

Yes, secondary accountholder can register through his debit card.

There are 3 packages:

  • IB399- 250,000 per day
  • IB449- 500,000 per day
  • IB599- 1,000,000 per day

Yes, you can change it through Alfa.

  • Click on side menu
  • Click on My alfa
  • Click on My Alfa App
  • Click on ‘Package’

Yes. Kindly click on Cards > Credit Card.

Yes. Kindly go to Bill Payment> Credit Card > Bank Alfalah

You can pay Utility Bills, Mobile Prepaid Topup & Postpaid Bills, View Card Deals & Discounts.

Yes. Kindly go to Bill Payment> Credit Card > Other Banks.

Bank Alfalah offers a secure method of payment to an increasing list of merchants. Customers can make their payments for purchases from the below listed merchants

  • Shophive
  • Sehat.
  • Deals Daily
  • Shop Daily
  • Tohfay
  • Daraz

Kindly click on Lifestyle > Select Merchant > Enter order ID and amount > Click on Proceed > select account details > click on submit> enter OTAC and submit.

Yes. It is available 24 hours a day, 7 days a week.

AlfaPay-QR is a payment tool that lets you make payments by scanning QR code at different merchants.

It is a new digital way of making purchases and merchant payments using any of your Bank Alfalah Accounts, Credit Card, Wallets & Orbits.

Each transaction limit of AlfaPay is PKR 500,000 however the daily limit is as per your Alfa package.

There is no additional fees on AlfaPay-QR.

You can use AlfaPay wherever you see the Masterpass QR button/sticker. You can also click here to see a list of outlets

AlfaPay lets you tag your phone for instant payments with out the need to login. Your default payment option will be automatically selected

If your authorization mode is AlfaPay PIN then you would need a 4 digit pin to perform AlfaPay transactions prior to login.

Your password or AlfaPay PIN is required to authorize any transaction using your smartphone. You can also deactivate your phone tagging by signing in from another device.

You can view transaction details on AlfaPay for up to 30 days.

Dear Customer, please note that if you have registered on Alfa or Bank Alfalah Internet Banking during the time period of March-October 2020 then you will have to get your Biometric verification done from the nearest Bank Alfalah branch to transact as per your opted package limit.

Digital biometric authentication is a security measure wherein the user’s fingerprints are scanned against NADRA’s database. This verification adds an extra layer of security by verifying the identity and ensuring authenticity of the user.

As per the new developments, digital biometric verification will now also be required during sign-up/activation, new device binding, and when changing the email address associated with the account

The Forgot Credentials feature is found on the sign-in page, however, it can only be utilized on a registered device which enhances the security of the account recovery process. Additionally, there is a 2-hour cool-off period after performing this activity.

Customer will tap on ‘Forgot Credentials’ feature. After navigating to ‘Forgot Username’, you will be required to enter your mobile number and CNIC number. After this, you will be required to input OTP (auto-sense/auto fetch). 

If you cannot remember your password, tap on the ‘Forgot Credentials’ feature. After navigating to ‘Forgot  password’, you will be required to enter your username and CNIC number. Following this, you will receive an OTP (auto-sense/auto-fetch). Once your device fetches your OTP, your password will be changed.

If you do not receive your OTP and have exhausted all of your OTP attempts, you will be redirected to perform in-app biometric verification as a back-up authentication tool.

After exhausting your OTP attempts, if you are unable to perform digital biometric as well, the journey will end and you will be required to try again after 24 hours.

You can perform device binding and register the new device against your Alfa profile. After the new device is successfully registered, you may perform the ‘Forgot Credentials’ journey. Tapping on the ‘Forgot Credentials’ journey without device binding will take you on the device binding journey.

The device-binding journey starts when you log-in via an unregistered device. For a successful device bind you will receive an OTP (auto-fetch/auto-sense), after which you have to perform in-app biometric verification. After  that, you will be required to create a pin. This is followed by a 2-hour cool off period. 

You will not be allowed to proceed if you are not able to receive an OTP. OTP attempts are unlimited.

If you are unable to perform biometric verification during the device binding process, you will be prompted to ‘Try Another Way’ option. By opting for ‘Try Another Way’ you will be able to upload your live picture and scan your valid original CNIC to proceed with the device binding.  

You may also opt to visit branch and perform biometric verification in branch if you are unable to perform in-app biometric verification. After performing biometric verification in your branch, you will be redirected to ‘Set Pin’ screen. 

You can change your email address by navigating to the hamburger/side menu and tapping on the ‘My Alfa app’ option, however, digital biometric verification is required for this process, to ensure security. Additionally, there is a 2-hour cool-off period after performing this activity.

If you are unable to perform biometric verification and have exhausted all your attempts during email address update, you will not be allowed to proceed. You will be allowed to perform in-app digital biometric verification after 24 hours.

Yes, there is a cool-off period of 2 hours after the following activities: successful sign-up/activation, change of email address, change in transaction limit/package, and password reset.

During the cool-off period, you will not be able to perform any transactions. This is an important measure and helps in enhancing security and preventing fraudulent activities.

To register a new device, you just need to login to your Alfa app and it will redirect you to the device binding journey. You will need to input the OTP you receive and then undergo digital biometric authentication to ensure the security of the device binding process.

There is no alternative method if you are unable to scan your CNIC or upload live picture. However, you can always visit your branch and perform biometric verification instead of CNIC authentication or perform the in-app biometric verification after 24 hours.

Yes, this can be done using the verification management feature located in ‘Settings’. This is generally used when a customer is about to travel outside of the country and wants to be exempted from biometric verification. However, to activate this feature, biometric verification is required and the exemption lasts up to 10 days. 

The biometric verification exemption will only apply on new device binding, forgot credentials and change of email address.

If you have activated biometric exemption and want to disable it, just navigate to the verification management screen and tap on ‘Remove Exemption’. 

  • You can wait for 24 hours for your digital biometric attempts to refresh.  
  • You may visit the nearest Bank Alfalah branch to perform biometric verification.  
  • Additionally, you can opt for ‘Try Another Way’ option which will pop up after your biometric attempts have been exhausted and then you can sign up using your valid original CNIC and live picture.

These security measures are as per the directives of the State Bank of Pakistan to ensure your financial well being and privacy.

  • A user who has signed up using CNIC and live picture will not be able to conduct any sort of financial transaction and will be prompted to conduct biometric verification.  
  • In-app biometric verification will let you use the app and conduct transactions but only with a limit of PKR 15,000 per day.  
  • Branch biometric verification will allow the user to have the full Alfa experience with no restrictions on per day limit (excluding package)

The user will navigate to Services > Account Activation > Select Account > Enter OTP.

Yes, when linking the dormant account, the user will be provided with the option to activate the account. If the user does not opt for activation during this process, they will need to activate it through the Account Activation option in Services.

No, to remove other posting restrictions, the customer will need to visit the BAFL branch.

No, currently only individuals can remove dormancy through Alfa.

Currently, there are no charges for the removal of dormancy.

No documentation is required to remove dormancy through Alfa.

No, dormancy can only be removed for linked accounts.

Yes, dormancy removal can be done one account at a time.

For Android, the OTP will be auto-fetched, while for iOS, it will be auto-suggested. The customer’s SIM should be in the same phone.

FAQ’s – Raast

Raast is an instant payment system that will allow you to Send Money quickly, securely and easily via Raast ID and IBAN.

Your Raast ID is your mobile number which can be linked to your desired BAFL account

You can receive funds by sharing your IBAN or Raast ID. To receive funds on Raast ID, you must first register/link your Raast ID with your BAFL account.

You can send money by input of IBAN. To send money to Raast ID, receiver must register their Raast ID.

You can register your Raast ID by clicking on Raast ID from the side menu. In Register/Re-link tab, select an account to link with your Raast ID. Once, registration/re-linking is completed, you can start receiving funds via your mobile number.

You can re-link your Raast ID by clicking on side menu > Raast ID.
In Register/Re-link tab, simply select any of your listed account to re-link.

You can temporarily stop receiving of funds on Raast ID by de-linking your Raast ID by clicking on Side menu > Raast ID

In De-link tab, simply switch toggle off to de-link the linked account

To delete your Raast ID, please contact our call centre at 111-225-111

Select Send Money> Raast Payment. Select From Account, Raast Beneficiary Type> IBAN, select already added payee or input 24 digit alphanumeric code

Select Send Money> Raast Payment. Select From Account, Raast Beneficiary Type> Raast ID, select already added payee or input 11 digit mobile number as 03xx.

Currently, transactions via Raast Payment are free of cost

Each transaction for Raast Payment is PKR 10,000, however the daily limit is per your Alfa package.

Select My Payees, scroll down to Create New Payee, select Raast from slider and input IBAN or Raast ID to create payee.