Over the last decade, Pakistan has seen an increase in the number of banks offering online banking products and services. The rise in online banking activities has been facilitated by modern digital infrastructure and improved internet connectivity.
More and more people have easy access to online services now. Having a functional smartphone is no longer considered a luxury; in fact, it has become a necessity in this digital era. Digital literacy, however, remains a challenge as online banking services are not yet fully utilised by the population.
Digital banking services in Pakistan have seen a lot of improvement recently. This is due to the high demand for digital banking services as well as increased product diversity. Banks are competing to give the best customer services through both traditional as well as digital channels.
As a result, the amount of money that is allocated to marketing digital services and products has also increased. Some banks are still lagging behind but they also realise the need to invest in digital infrastructure.
Since most now offer a range of digital banking services, it is sometimes difficult for the customers to identify the best digital platforms for banking.
Graana.com has created a list of the best digital banking services in Pakistan below to help you make the right choice.
HBL Digital Banking
HBL offers some of the best digital banking services in Pakistan. The largest bank in Pakistan with an extensive network, HBL has added many useful features to its mobile app.
It had started rolling out digital features early on, which helped the bank develop good customer service. Here are some of the key services that are offered.
HBL Digital Account
With an HBL digital account, you get the convenience of opening a bank account online without having to visit any branch.
Both conventional, as well as Islamic bank accounts, can be opened online. HBL offers a range of accounts, including a current account or a savings account, to help you manage your finances effectively.
HBL Pay Billing Portal
The HBL Pay Billing Portal is a one-stop shop for paying bills from anywhere in the world. Even if you are not a customer of HBL, you can still conveniently and easily pay your bills.
You can sign in from anywhere in the world and easily pay your bill online thanks to our more than 100 payment partners.
HBL Internet Banking
With HBL InternetBanking, you can bank from anywhere, anytime and perform various financial and non-financial transactions conveniently without visiting a branch.
You can access both HBL InternetBanking and HBL Mobile with a login ID and password.
With just a few taps, HBL Mobile gives you access to banking whenever you want and wherever you are.
It provides its devoted customers with a quick digital banking experience that enables them to conduct financial and non-financial transactions with ease in a secure setting.
HBL is currently linked to the most recent instant payment platform. Simply link your cell number to your HBL/Konnect by HBL account.
Any HBL or other bank sender could then use Raast Services to send money to your account with just their mobile number.
E-Banc Roshan Digital Account
With Roshan Digital Account, overseas Pakistanis can send remittances to their family in a quick and convenient manner.
HBL Whatsapp Banking
With the introduction of the HBL WhatsApp Banking service, HBL customers can now contact customer services directly through WhatsApp.
The communication between the bank and the customer is encrypted end-to-end to ensure the privacy and safety of customers.
Visit the internet banking website of HBL from your PC or download their mobile app on your Android or Apple device by clicking on the links given below:
UBL has quickly established itself as one of the best online banking service providers. It has invested heavily in marketing and product development.
It works seamlessly both on mobile phones as well as computers. Here are the key digital banking services provided by UBL:
UBL Digital Account
With UBL, you can now open a digital PKR account with no limits on balance and transactions. The account can be opened online, given you have fulfilled the requirements.
UBL Digital App
With the UBL Digital app, you can view all your deposit, credit card and loan accounts. You can pay your utility bills and mobile phone bills, buy prepaid vouchers and much more.
You can also track your spending and check the given forecasts for better money management.
With UBL Netbanking, you can manage your bank accounts 24/7 from any location in the world.
Because of its robust security measures and extensive services, UBL Netbanking is a respected internet banking platform.
UBL WhatsApp Banking
To facilitate you in the best possible way, UBL WhatsApp Banking provides you with all information on the bank’s products & services.
All you have to do is to save the UBL number +92 3 111 825 888 on your mobile phone, open WhatsApp and initiate a conversation.
UBL Pay provides a quick and convenient way of paying through your mobile. It launched the first-of-its-kind contactless payment system in Pakistan. It is a simple, smart, and secure way to pay at shops, restaurants, & stores.
Visit the internet banking website of UBL from your PC or download their mobile app on your Android or Apple device by clicking on the links given below:
JS Bank is another bank that offers excellent digital services. It has expanded its digital footprint quickly by providing multiple features that make online banking quick and convenient. Here are the top features provided by JS Bank.
With JS internet banking, you can conduct your transactions anywhere and anytime. It is a convenient way of sending money and getting a quick snapshot of your transaction history.
JS Mobile offers a faster, smoother and easier way to do online banking. You can view your account details, manage your cards, pay your bills and send money securely to anyone from your device in just a few simple steps.
Roshan Digital Account
Roshan Digital Account is now available to Non-Resident Pakistanis (NRPs). They have the option to open a Foreign Currency (FCY) or PKR-based NRP account, which offers them unmatched convenience through a quick, safe, and fully digitised process.
JS Blink Digital Account offers a range of multi-currency digital products in both current and savings accounts. With JS Bank, customers get multiple features such as debit cards, mobile banking, internet banking, free transaction alerts and many more.
JS Zindigi BVS
JS Zindigi BVS is an application through which all Pakistanis can now perform hassle-free biometric verification from their phone without actually going to any JS Bank branch or Zindigi agent.
All JS Bank customers can perform biometric verification for multiple types of accounts, such as Asaan Digital Account.
The first instant payment system in Pakistan, RAAST allows users to send money instantly by utilising their mobile phone number as their Raast ID.
Easily connect your mobile phone number to your JS Bank account to use your Raast ID to send and receive money.
JS Bot is a WhatsApp banking assistant for JS customers, through which you can get information on new products and features, locate ATMs in a particular area, and lodge complaints.
Save the JS Bank number on your phone, which is +92 348 700 3000, and you can initiate a conversation with the customer service centre.
Visit the internet banking website of JS Bank from your PC or download their mobile app on your Android or Apple device by clicking on the links given below:
If you want to know more about banks providing home loans in Pakistan, visit the Graana blog.