Ways to Transact

Transfer funds quickly, securely, and anytime.

Send money to your own account, another MCB Islamic account, or any bank in Pakistan using our secure digital channels. No paperwork, no queues.

About this Service

This service is known as Electronic Funds Transfer (EFT) under the Payment Systems and Electronic Fund Transfers Act, 2007, administered by the State Bank of Pakistan. It enables secure transfers between bank accounts. You can transfer money digitally without visiting a branch.

You can transfer funds within MCB Islamic or to other banks using:

  • MCB Islamic SUBUK App (Mobile)
  • MCB Islamic SUBUK Internet Banking
  • MCB Islamic ATMs
  • MCB Islamic Phone Banking (042-111-222-642)
Where can you send money?
  • Your own accounts
  • Other MCB Islamic accounts
  • Any bank in Pakistan (via Raast / 1Link IBFT)
  • Billers, merchants and service providers
Transfer Limits (Digital Channels)

Applicable on SUBUK App, Internet Banking & Phone Banking.

Transaction Type Per Transaction Limit Daily Limit Daily Transactions
Own Account Transfer PKR 5,000,000 PKR 5,000,000 Up to 50
Within MCB Islamic PKR 5,000,000 PKR 5,000,000 Up to 50
Other Bank (IBFT / Raast) PKR 3,000,000 PKR 3,000,000 Up to 50
Payments (Bills, Donations, etc.) PKR 5,000,000 PKR 5,000,000 Up to 50
Merchant Payments PKR 5,000 PKR 5,000 Up to 50
Banker’s Cheque Issuance PKR 5,000,000 PKR 5,000,000 Up to 50
ATM Transfer Limits (by Debit Card) Visa
Transaction Type Classic Debit Card Gold Debit Card PayPak Debit Card
Within MCB Islamic PKR 150,000 PKR 500,000 PKR 50,000
Interbank Transfer PKR 250,000 PKR 500,000 PKR 100,000
ATM Transfer Limits (by Debit Card) UnionPay
Transaction Type Classic Debit Card Gold Debit Card PayPak Debit Card
Within MCB Islamic PKR 1,000,000 PKR 500,000 PKR 500,000
Interbank Transfer PKR 1,000,000 PKR 500,000 PKR 500,000
ATM Transfer Limits (by Debit Card) PayPak
Transaction Type Classic Debit Card
Within MCB Islamic PKR 500,000
Interbank Transfer PKR 250,000
Fees & Charges
  • Free IBFT transfers up to PKR 25,000 per month (per account).
  • After that: 0.1% of the transaction amount or PKR 200 (whichever is lower).
  • Applicable charges are always shown before you confirm a transaction.

For complete details, please refer to the Schedule of Charges.

Security & Safety

Your transactions are protected with multiple security layers:

  • T-PIN authentication
  • Secure login credentials
  • Encrypted transactions

Important: Always verify account details on the review screen before confirming a transaction. Transactions cannot be reversed once processed.

Lost Card or Compromised Credentials?

If your debit card or banking credentials are lost or compromised, contact us immediately:

  • 24/7 Phone Banking: 042-111-222-642
  • International: (+92 42) 111-222-642
Complaints & Dispute Resolution

We are here to help if something goes wrong.

How to contact us:
  • Call: 042-111-222-642
  • Email: [email protected]
  • Visit: Any MCB Islamic branch
  • Online: Lodge a complaint via the SUBUK App (Mobile or Internet Banking)
  • Submit a complaint via the website
What to include:
  • Name & contact details
  • CNIC / Account number
  • Transaction details
  • Supporting documents (if any)
Complaint Resolution Timeline

Minor Complaints: 3-7 working days if a detailed investigations is not required.

Interim Reply: After 10 working days in case where the matter requires further scrutiny.

  • Major Complaints: 15 working days.
  • Fraud related Complaints: 30 working days.

For claims/disputes where dependencies are on Acquiring Bank, 1 Link or Bank Card Systems, the timelines will wary according to the payment scheme.

If not resolved within 45 days, you may contact the Banking Mohtasib Pakistan at “Shaheen Complex, M.R Kiyani Road, Karachi” or visit www.bankingmohtasib.gov.pk or register their complaints on the SBP complaints portal “Sunwai” https://sunwai.sbp.org.pk/index.html

Privacy & Information Disclosure

MCB Islamic Bank values your privacy and keeps your information confidential.

Your information may only be shared:

  • When required by law or regulatory authorities
  • For fraud prevention or security investigations
  • To process transactions or provide services
Start Transferring Today

Log in to your MCB Islamic SUBUK App or Internet Banking and transfer funds in just a few taps.