Frequently Asked Questions

In this section you will find answers to most of the questions you are looking for. For more details, you can also
refer to our step-by-step User Guide for Mobile and User Guide for Web. Please take some time out to read this
document before calling the helpline (042-111-225-225).

myABL Registration:
What is myABL Digital Banking?

myABL Digital Banking is Allied Bank’s Internet and Mobile banking platform. It is the latest internet and mobile
banking platform which offers a more secure, reliable and efficient digital banking service that caters to both Retail
and Business customers alike

What are the applicable charges for myABL Digital Banking?

There is no subscription or annual charges for using myABL. For any specific transaction/service charges kindly
refer to applicable SOC from the below link for details.

https://www.abl.com/services/downloads/schedule-of-charges/

I don't have an Account in Allied Bank. Can I use myABL?

To use myABL you must have an Allied Bank Account with an active ATM/Debit card. Kindly visit you nearest
Allied Bank branch where our friendly staff will assist you with account opening.

I have an ABL account, but no ATM/Debit Card. Can I still avail myABL?

In order to register for myABL, you must have a valid ATM/Debit Card. Please visit your branch to apply for the
ATM/Debit Card if you don't have one.

How can I join myABL?

Please follow these easy steps to instantly register for myABL:

1. Visit https://www.myabl.com or download myABL Digital Banking App for Android, iOS or Huawei from
Google Play, Apple App Store and Huawei App Gallery respectively.
2. Click on Register Now
3. Provide following information on registration form.
1. CNIC# (13 digits without any dashes”-“)
2. Select your current Mobile Network
3. Enter your Mobile Number (in the format 03XXXXXXXXX as per your record available with Bank)
4. Select any value from “Referred By” drop down
4. On the next screen, provide following details and press “Continue”
1. Date of Birth
2. Debit Card number (16 digits)
3. Debit Card Expiry (written on front of your Debit card as VALID THRU)
4. Debit Card PIN (4 Digits)
* Debit card must be active at the time of registration on myABL. Registration will not succeed if debit card will be
expired or blocked.

5. Upon confirmation of user provided details, One Time PIN (6 digits) will be sent via SMS to provided
Mobile number for verification purpose. Enter One Time PIN and press “Submit”.

* In case of ported mobile number please follow the instructions mentioned on screen.

6. Upon successful OTP verification, system will ask to setup your preferred “Username” and “Password”.

*System will confirm if “Username” is available else you need to specify any other “Username”.
* While setting up your password, kindly click the link available on screen to view password policy.

Note:

• In case of mismatch of information due to change of personal information e.g., Mobile number, please click
here to know how to update your contact details.

What are the terms and conditions for using myABL?

Click here to view the Terms & Conditions

I have multiple accounts with Allied Bank. How do I link them with myABL?

All your individual accounts and joint accounts having either/survivor operating instructions will be automatically
available on myABL. You can however choose to de-link or re-link any of your accounts at per your preference and
convenience.

Security features and ID management:

What is One-Time Pin or OTP?

It is a unique Personal Identification Number which myABL users require to perform transactions.

How can I activate my myABL Internet/Mobile banking service??

If you successfully register for myABL internet/Mobile banking, your service will automatically be activated.

Is myABL secure?

Strong security measures have been devised to curb the chance of any fraud or malicious act. The security
features that are incorporated with the Internet Banking are:

1. Extended Validation-Secure Socket Layer (EV-SSL)

2. Time bound One-Time Pin (OTP) is used for all financial transactions.
3. Free of charge SMS notification, which is sent to customer at Login and upon OTP generation.

Moreover, all transactions are further secured using a ONE-TIME PIN (OTP) interface.

Which things should I consider while using myABL?

• To minimize the risk of fraud, you are obliged to take reasonable security precautions as set out in the
Terms and Conditions. These may include and are not limited to:
 • Making sure you choose a Username or Password that mixes lower case, uppercase, special characters
and/or numbers.
• Changing your password regularly.
• Refraining from accessing the account from a computer in a public place.
• Monitoring your account activity on a regular basis and logging off when you have finished with your
transactions.
• Browser security updates should be applied at regular intervals by the Browser/Operating system provider.
• Installing appropriate firewall software.
• If you notice any suspicious activity on your account, change your Password instantly or notify immediately
to ABL Helpline at 111-225-225.
• Never store myABL ID/passwords, card numbers on your browser.
• Login to myABL Internet Banking through https://www.abl.com into your browser.
• Always logout myABL after use.
• Check your last login details and transaction history.

What are the recommended browsers for accessing myABL?

myABL is best viewed with:

• Google Chrome version 70.0.3578 and above

• Mozilla Firefox version 63 and above
• Internet Explorer version 11 and above
• Microsoft Edge 44 and above
• Safari version 10 and above

On which O.S versions of mobile and tablet devices myABL is supported?

myABL is compatible on below O.S versions of mobile and tablet devices.

• Android version 5.0 and above

• iOS version 11.0 and above
• Huawei HMS version 5.0 and above

How to clear browser cache if myABL is inaccessible or not working properly?

Click Here for step-by-step Guide to clear browser cache.

I’ve forgotten my Username. What should I do?

In case you have forgotten your “Username”, please call ABL helpline at 111-225-225 for assistance. After
verification, Phone Banking Officer will provide your myABL “Username” through SMS or email or call back

I’ve forgotten my password. What should I do?

Your password is a confidential information. If you have forgotten your password, please follow the below
mentioned steps:
Click on 'Forgot Password?' at www.myabl.com or on ‘Having trouble logging in?’ in myABL mobile. You will be
asked to provide required details to verify your identity and then you will be required to enter One-Time Pin (OTP)
sent to your registered email/mobile number allowing you to reset your password.

How my myABL Internet Banking account/profile can be blocked?

• Customer should call Allied Phone Banking Help line number at 111-225-225 and request bank to block
his/her myABL user ID/profile for any security reason.
• Customer account can be also be blocked by six (6) consecutive wrong password attempts.
 • Bank has right to block customer account/profile to prevent any fraudulent activity found on your Internet
Banking account for security reasons.

How can I unblock my “myABL’’ Internet Banking account?

You can unblock your myABL Internet Banking account by calling Allied Phone Banking Helpline 111-225-225 from
your registered number. After verification Phone Banker will un-block your Internet Banking account/profile.

How to activate biometric login functionality on myABL?

Biometric login allows you to use Touch ID/Face ID to login myABL application instead of entering your login
credentials.

Note: Biometric login using Face ID is currently available for iPhone mobiles only.

This functionality depends upon the availability of Touch ID/Face ID sensor on your smartphone. You must scan
your fingerprint or face and enable this functionality on your smartphone by following below steps:

1. Enter myABL Username and password on login screen.

2. Click Enable Biometric Login option and press Sign In.
3. It will ask to allow to let myABL app store Device ID, choose allow.
4. Please scan your finger or face to confirm.
5. It will login.

After registering your Touch ID/Face ID, the next time you login, you will notice an Icon with Touch ID/Face ID
available under Join Now button. Simply press it and when asked, place your finger on the sensor or scan your
face if you are using iPhone with Face ID feature and login into your myABL account without having to enter your
username and password.

How to deactivate Biometric login functionality on myABL?

Customer is required to open “Security setting” from Hamburger menu of myABL and select the tab “Alternate
login” and then deselect the biometric login option.

Product Features:
What are key features of myABL Digital Banking?

myABL hosts an array of features, which are available to Allied Bank customers 24x7 over internet and mobile and
it offers real-time access to all your account information. Key features include:

• Biometric login with Touch ID (Login with Face ID is also available for users having iPhone X or above)
• Voice Assisted Banking for Funds Transfer, Accounts & ABL Credit Card Balance Inquiry using Siri (for
iPhone users)
• 360 degree insight of complete account relationship with Allied Bank
• Personal Finance Management
• Manage Personal Information (Add/update address and preferred address marking)
• Debit Card Management (activation, PIN generation, change, temporary block &unblock Card/ POS/ ATM /
fallback for international usage, allow international usage and allow E-commerce usage)
• Booking of Bus, Movie & Event Tickets
• Funds Transfer
• Utility Bill Payments
• Credit Card Payments
• Pay Anyone
 • Mobile Top-ups
• Payments
• ABL and Other Banks Credit Cards Payment
• Govt. Payments
• Student Fee Payments
• Internet/Broadband Bill Payments
• Internet Shopping
• Insurance Payments
• Investment Payments
• Mastercard QR Scan & Pay
• Golootlo QR Scan for discounts
• Franchise Payments
• Donations
• Pay Day Loan
• Manage ABL AMC Mutual Fund Investments
• WHT Certificate
• Daily transaction limit view and adjustment
• Marking of Transfer/Payment as Favorite
• Payee/ Biller management
• Mini & Full Account Statement
• Subscription of E-Statement on different frequencies
• Cheque Book request & Cheque Status Inquiry
• Account Link/Delink and default account setup
• View transaction history
• Alerts & Notifications
• Allied Live Chat
• Discount Offers
• Locate Us
• Apply for a Credit Card

Who can I pay using myABL Digital Banking Service?

You can pay Allied Bank account holders or any other bank (Listed on myABL) anywhere in Pakistan. With just a
few clicks, funds can be transferred to any registered or unregistered beneficiary.

You can also pay your Utility Bills, School/University Fees, Manage your Investments, Pay your Internet Bills,
Mobile Top-up and much more. Bill payment can be made to any registered or unregistered Biller.

How do I add a new Payee?

You can add Payee from following different ways.

• From “Manage Payees & Billers” option available in Preferences (Mobile App) and in Quick Access card on
Dashboard of Web view.
• You can add new Payee after performing any fund transfer transaction from “New Payee” tab.

How do I add a new Biller?

You can add Billers from following different ways.

• From “Manage Payees & Billers” option available in Preferences (Mobile App) and in Quick Access card on
Dashboard of Web view.
• You can add new Biller after performing any transaction by selecting “New Biller” tab.

Adding Payee/Biller is necessary for transferring funds or paying bills?

No, it is not necessarily required. Customer can transfer money and pay bills without having to add any
payee/biller. Follow the below mentioned steps for making such payments:

• For Funds Transfer:

For Mobile, go to “Transfers” card on dashboard and select New Payee. Enter the required credentials to complete
funds transfer transaction straight through.

For Web, go to “Payments card on dashboard and select Funds Transfer. There, select “New Payee” in Transfer
type and enter the required credentials to complete funds transfer transaction straight through

• For Bill Payments:

For Mobile, go to Payments card on dashboard and select New Payments. There, select Biller Category and Biller
type and enter the required credentials to complete the bill payment transaction.

For Web, go to Payments card on dashboard and select Pay Bills. There, select New Biller in Payment type and
enter the required credentials to complete the bill payment transaction

When is funds transfer effective?

Funds transfer is effective immediately unless you are intimated of a failure or an error. When you enter the OTP,
the process is invoked immediately and funds are transferred to the destination account. This will also be notified
through a confirmation email/SMS.

When is bill payment effective?

Bill payment is effective immediately, unless you are intimated of a failure or an error. When you pay bills online,
funds will be immediately transferred from your account to pay your bills. This will also be notified through a
confirmation email/SMS.

What is the difference between “Mini Statement” and “Full Account Statement”?

“Mini Statement” is a quick view of your few recent Dr /Cr transactions with closing balance whereas “Full Account
statement” provides you convenience to view and download detailed transactions anytime, with the option to view
last 30, 90 days or any date range transaction history. You can also specify dates/range of your choice for viewing
full account statement.

How to view my daily transaction limit and how can I tune my allowed limits?

Login onto myABL Mobile App, Go to Hamburger menu, Go to Preferences and then click on Limit Management
option where you can view and adjust your daily transaction limits of myABL.

For Web App, go to Hamburger menu, go to Settings and then click on Limits option where you can view and
adjust your daily transaction limits of myABL.

How to mark any transaction as favorite?

For the ease of repayments, myABL now offers the option to mark any payment as favorite. At the end of each
transaction, either FT/IBFT or Bill Payment, it offers the option to mark your transaction as favorite. By this, you can
save your frequently performed transactions in the list of Favorite transactions from where you can access and
perform the same transaction in future quickly without having to enter beneficiary detail, amount and other details
again.
What is the purpose of Notification option?

This feature provides all the alerts (e-mail and SMS) generated from myABL for following activities.

1. Transaction Alerts
2. OTP Alerts
3. Payee addition and deletion Alerts
4. Any other communication from Bank to consumer for information purpose.

myABL Ticket Service

What is myABL Tickets service?

myABL Tickets is an online ticketing service which provides myABL users with the facility to book movie, bus and
events tickets using myABL web or mobile apps.

What type of tickets can be booked using Tickets service of myABL?

You can book bus, movie or event tickets by making payment from your ABL account.

Are there any service charges applied on booking online tickets using Tickets service of myABL?

5% convenience fee is charged on purchase of every ticket (except Daewoo) by the service provider i.e. Easy
Tickets. These charges are also shown on payment confirmation screen before completion of transaction.

How will I get the ticket booking confirmation?

When a booking is confirmed, you will receive a system generated booking confirmation email from no-
[email protected] with your booking detail. You will also receive your booking confirmation details on your
mobile phone via SMS.

How can I collect my tickets?

You can collect your tickets at the service provider’s counter by showing them the booking confirmation code you
received via email and SMS.

Can I cancel or change the ticket booked using Tickets service of myABL?

As per policy of service providers, once booked, tickets cannot be cancelled, refunded or exchanged. Cinema or
event ticket once booked is non-refundable / non-Cancellable / non-schedulable for all partners. For bus, user will
visit ticket history section and cancel his ticket at least Two hour before. In this case 30% amount will be deducted
and 70% of ticket amount will be refundable.

How do I claim a refund for a booking that I want to cancel?

Cinema and event tickets once booked are deemed as sold. It is not possible to cancel, refund or exchange these
tickets.
Cancellation request only for Bus Tickets will be processed immediately however customer refund will be
processed within 5 working days. In case funds not received within 5 working days then customer may contact
Allied Bank Helpline number 111-225-225.

If Bus or Movie Ticket booked but dropped/cancelled by the partner then how refund will be processed?
In case user missed a bus or a cinema show, there will be no refund. However, if Bus/Movie is dropped/cancelled
by the service provider then user will be adjusted in next bus/next show. In case user not entertained at
terminal/cinema, user can contact at Service provider support numbers: 0332-1422241, 0336-4593028 and
[email protected]. Such issues will be forwarded to bus services/cinema team and resolution will arrange
ASAP and TAT will vary case to case basis.

How can I view history of my Tickets purchases via myABL?

Tickets book or purchase history can be access from option “My Tickets” which is available on main screen of
Tickets services.

What if I do not receive confirmation email of my booking?

Please take up your complaint with Easy Tickets, the main service provider of online ticket booking service at the
following numbers: 0332-1422241, 0336-4593028 and [email protected]. However, if your complaint
remained unresolved for 7 days after your online booking, you may lodge a complaint at Allied Phone Banking on
111-225-225

I am facing issues in booking online Tickets via myABL. What do I do?

You may lodge a complaint at Allied Phone Banking on 111-225-225 to register your issue.

What do I do if there is some error in pricing?

If the amount you pay for a ticket is incorrect regardless of whether because of an error in a price posted/shown on
myABL or otherwise communicated to you, or you are able to order a ticket before its scheduled on-sale or presale
date or you are able to order a ticket that was not supposed to have been released for sale, then the service
provider i.e. Easy Tickets, will have the right to cancel that ticket (or the order for that ticket) and refund to you the
amount that you paid. This will apply regardless of whether because of human error or a transactional malfunction.

Master Card QR Transactions

What is Mastercard QR?

QR is short for Quick Response (they can be read quickly by a cell phone camera). They are used to take a piece
of information from a transitory media and put it in to your cell phone. Mastercard QR are QR Codes used by
Mastercard to acquire online payments at retailers.

What is myABL MasterCard QR Payment?

myABL Mastercard QR Payment is a contact less payment method powered by MasterCard payment scheme
where a payment is performed by scanning a Mastercard QR code of merchant using myABL mobile app (Android
or iOS) to process the payment following the standard specified by Mastercard.

How can I make a Mastercard QR payment using my myABL Digital Banking app?

• Login to myABL mobile application.

• Scan QR Code.
• Validate the Merchant details & amount.
• Select your account from you wish to pay.
• Enter OTP.
• Submit the Payment Request.

Where are myABL Mastercard QR payments acceptable?

myABL Mastercard QR payments will be acceptable on all local Merchants with Mastercard QR stickers.

Can Customer be paying physical cash payment for MasterCard QR or not?

No! customer can only pay via myABL Digital Banking app by using myABL Mastercard QR payment option.

Does myABL app could scan every QR code available in world or it should read specific code?

Customer can only scan Mastercard QR in Pakistan via myABL mobile banking application.

Does online QR payments available on Internet is acceptable or not for International merchants?

Online myABL Mastercard QR Payments are valid for local merchant only in Pakistan via Mastercard QR.

Tip could be paid via myABL Mastercard QR payment or not?

Yes, you can pay Tip on myABL Mastercard QR payment wherever Tip is applicable.

What will be the process for filing any dispute for MasterCard QR based transaction payments?

In case of any issue related to myABL Mastercard QR payments, please call 24/7 Allied Phone Banking: 111-225-
225.

Are there any additional charges on payment via myABL MasterCard QR Codes?

No, there are no additional charges on payment via myABL Mastercard QR Codes.

What is the benefit of making payment via myABL MasterCard QR?

Firstly, its cashless mode of payment hence you don’t need to carry cash to shop from any merchant accepting
MasterCard QR payments. Further, you can also avail exciting discounts while making payment using MasterCard
QR via myABL apps.

How can I find MasterCard QR discount offers available on different merchants?

Visit Offers section given on the login page of myABL app and web application to view complete list of discount
offers available on myABL MasterCard QR Payment.

Golootlo QR Discounts and Redemption

What is Golootlo?

With Golootlo, you can access thousands of discounts at nearby restaurants, salons, retailers, doctor’s clinic and
much more.

How does Golootlo works?

Visit your nearest favorite brand’s store and scan Golootlo QR code placed at the merchant to enjoy special
discounts.

How to browse and avail Golootlo discounts using myABL?

There are two sections in myABL app to access Golootlo.

 a. To Browse Offers

On login screen, there is an Offers option in the footer. Tap Offers and then tap Golootlo to see latest
Golootlo QR discounts on all the available merchants

b. To Avail Discounts

Login myABL app and tap Scan QR option in the footer to open the QR scanner. Scan Golootlo QR code
placed at the merchant and enter transaction amount to avail the offered discounts.

How can I raise any dispute against transaction done with Golootlo?

ABL only provides Golootlo QR scan facility on myABL app to redeem Golootlo discounts. For any dispute related
to Golootlo discounts and payments, customer needs to contact directly Golootlo Team on Phone No: 021-111-
566856

Debit Card Services

What features are available under Debit Cards option in myABL?

This option is a great help and convenience to the customers in managing their debit cards. Following features are
extended to myABL Internet banking users in this regard:

• Debit Card Activation

• Debit Card Temporary Block and Unblock.
• Allow eCommerce Use
• Allow International Use
• Debit Card PIN change
• Block/unblock card for POS
• Block/unblock card for ATM
• Block/unblock fallback for international usage
Now, you can activate your new Debit card without need of calling on ABL helpline or visiting ATM and can also
generate PIN code of your Debit card.

What is “Debit Card Temporary Block and Unblock” option?

You can now temporary block your Debit Card for any security reason and can further reactivate it with ease of
using myABL on the go.

What is the purpose of “Allow eCommerce Use” under Debit Cards section?
You can use this feature to allow/disallow eCommerce transactions on your ABL Debit Card as per your need. This
gives you more control on the use of your ABL Debit Card for eCommerce transactions.
What is the purpose of “Allow International Use” under Debit Cards section?
This feature provides you freedom to activate and block international transaction usage on your selected debit
card. Please note that this facility is not available for None Resident Pakistani (NRP) customers.
What is the purpose of “Block/Unblock Card for ATM use” under Debit Cards section?
You can use this feature to allow/disallow ATM transactions on your ABL Debit Card.
What is the purpose of “Block/Unblock Card for POS use” under Debit Cards section?
You can use this feature to allow/disallow POS transactions on your ABL Debit Card as per your need. This gives
you more control on the use of your ABL Debit Card for POS transactions.
What is the purpose of “Block/Unblock Fallback for International use” under Debit Cards section?
You can use this feature to allow/disallow Fallback transactions (transactions through magstripe) on your ABL
Debit Card.
Can I change my existing Debit Card PIN code using myABL?
Yes you can change your Debit card PIN Code if you already remember your existing ATM/Debit card PIN code.

I forgot my existing Debit card PIN code, could I generate new one with myABL?
No, currently this facility is available only at Allied Phone Banking. You can change your ATM PIN Code from
myABL by providing existing PIN code.
Manage Personal Information
Can I add/update my new addresses for branch correspondence by using myABL Digital Banking?
Yes, simply go to “Preferences > Manage Personal Information” section where all your address information will be
displayed. Press “Add New Address” button to add another address or you may choose to update any existing
address. System will validate OTP and will add/update your address information.
You will receive a confirmation SMS for the changes made.

What are the types of address that can be added/updated through myABL?
Following type of addresses can be defined.
1) Present Residential Address (Only one address allowed)
2) Permanent Residential Address (Only one address allowed)
3) Business Address (Only one address allowed)
4) Office Address (Only one address allowed)
5) Other Address (up to 5 addresses allowed)
Can I define my Foreign Address by using myABL Digital Banking?
Yes, you can define your Foreign Address by selecting “Foreign” from “Address location” on Add Address/Edit
Address page.
How do I mark my preferred correspondence address on my Account?
Go to “Manage Personal Information” and click “Mark as Preferred Mailing Address” button where all your defined
address information will be displayed. You can choose any of your account and mark any of your defined address
as your preferred address.

What is the use of email address required in my correspondence address details?

Email address will be used to dispatch you the electronic statement of your account.

Voice-assisted myABL Digital Banking Service

What is voice-assisted myABL Digital Banking service?
Voice-assisted myABL Digital Banking allows iPhone users to perform banking services very conveniently by
speaking to Siri voice assistant.

Which digital banking services are currently available via Siri?

Currently, the following banking services are available in myABL Digital Banking through Siri.
1. Transfer funds to any payee registered in your myABL payee list.
2. View Current and Savings Accounts’ balance.
3. View Credit Card balance.

How do I set up voice-assisted myABL Digital Banking service – Siri on my iPhone?

You can turn on Siri by selecting the Preferences > Siri & Search > select the Press Home for Siri switch. You can
also select the Allow Siri When Locked switch to enable or disable Siri on the lock screen. For more information on
Siri settings, it is suggested to refer your phone’s latest user guide.
What are the pre-requisites to use voice-assisted myABL Digital Banking service on my iPhone?
You need to ensure the following prerequisites:
• iPhone with a minimum version of iOS 11.
• Valid myABL Digital Banking ID
• myABL app installed on your iPhone.
• Siri with the permission to access myABL app.
• Biometric login (Face ID or Touch ID) enabled on myABL app.
• myABL app should be closed if it is running in the background.

How can I check my current account, savings account, or credit card balance using Siri?
Launch Siri by holding the home button on your iPhone or by calling out ‘Hey Siri’ depending on the settings
enabled on your device.
Once Siri is open on your phone, ask Siri for account balance by specifying the account type.
Example: Hey Siri, what is my current account balance.
Hey Siri, what is my saving account balance.
Hey Siri, what is my credit card balance.
Siri will authenticate you using Touch ID or Face ID and show your requested account or credit card balance
through my myABL Digital Banking on your phone screen.

How can I transfer funds using Siri?

Launch Siri by holding the home button on your iPhone or by calling out ‘Hey Siri’ depending on the settings
enabled on your device.
Once Siri is open on your phone, ask Siri to make payment by specifying details i.e., payee name, amount and
comments/note for payment.
For example: Hey Siri, pay Ali Imran fifty thousand for office rent.
Siri will request you to open myABL app and authenticate yourself using Touch ID or Face ID and take you directly
to payment confirmation screen in myABL Digital Banking app.

Can I transfer funds to a new payee which does not exist in my payee list?
No, Siri can only transfer funds to registered payees. In case of new payee, you must add it in myABL Digital
Banking before making payments to it through Siri.

Is it secure to perform balance inquiry and funds transfer via Siri?

Yes, funds transfer via Siri follows two-factor authentication i.e., biometric login and One Time Password (OTP)
validation to ensure security of transaction. Similarly, for balance inquiry biometric login is required to ensure no
one but only you can perform the balance inquiry.

Can I fetch account balance of multiple accounts with Siri?

Yes, Siri can get account balance of multiple accounts of the same category i.e. Savings or Current.

Does Siri allow the user to select an account during transaction?

No, to provide seamless experience Siri will always use the default account for payments. If you want to change
your default account, please login to myABL Digital Banking app to change default account under “Settings” option.

What are the limits for funds transfer through Siri?

You can enjoy your full limits available in myABL Digital Banking for various funds transfer categories using Siri.

PFM (Personal Finance Management)

What is myABL PFM (Personal Finance Management)?
myABL PFM (Personal Finance Management) is a powerful Spend Analysis tool that helps you to better plan and
manage you expenses by having insight on the pattern of expenditures. You can make smarter financial decisions
by tracking your expenses over time against your specified budget. myABL PFM is divided into following three
segments for customers
1. My Spendings
2. My Budgets
3. My Spending Trends

What is My Spendings?
My Spendings tool helps the user by providing an insight on the pattern or areas of expenditures. It can then help
users to make better and informed spending decisions. Using this option, users can view and analyse their
spending.
There are two sections of My Spending
1. Manage Categories
2. View Transactions

What is Manage Categories?

The system defines 12 categories and sub categories, by default, to which customer will assign their transactions
as per their choice. In addition to the existing default categories and sub categories (provided by myABL), users
can also create new categories and subcategories using Manage Categories option.

What is View Transactions section?

In view transactions, myABL shows you last 3 months transactions which you can tagged against default or your
custom created spending categories. You can also split amount of a transaction into two or more categories.

Does system allow to re-assign a category to an assigned expense?

Yes, customer can change a spending category of any particular transaction.

Can you split an expense into multiple categories?

Yes, you can split an expense into two or more categories.

What are My Budgets?

Using this option, the user can set monthly budget for each spending category to have a better control over
expenses. myABL empowers you to watch where you are exceeding the budgeted amount and keep them in a
check.
My Budgets is divided into two sections:
1. Set My Budget
2. Modify/Delete My Budget

What is Set My Budgets?

User can set up and keep track of monthly budgets for different spending categories. It also shows you how much
budget you have consumed or how much you have exceeded your budget, in terms of percentage.

What is Modify/Delete My Budgets?

This option lets you edit already defined budget that includes expense category or the amount allotted to that
budget. Along with this, customers have a choice to delete the budget as well.

What is My Spending Trends section?

The Spending Trends dashboard is divided into different sections, and displays the summary of category wise all
the spendings as well as budgets vs spendings position. In My Spendings section, you can view all the spends
based on all categories or choosing a specific category.

PayDay Loan
What is PayDay Loan?
PayDay Loan is a short-term loan which is offered to those myABL users who have maintained their salary account
in Allied Bank Limited. The facility is currently being offered to the employees of the following companies:
1. PARCO
2. SUPARCO
3. NesPak Foundation
4. Cabinet Division
5. AA Spinning Mill
6. Capital Development Authority
7. SNGPL
8. DRAP
9. SZABIST – Islamabad
10. WASA – Lahore
11. COMSATS – University Islamabad
12. AIOU – Islamabad
13. Gun & Country Club – Islamabad

What is the eligibility criteria to avail PayDay Loan?

You are eligible to apply for PayDay Loan, if you meet the below criteria.
• Must be an employee of any of the above-mentioned companies
• Minimum 4 salary credits in the last 6 months and 2 salary credits in the last 2 months
• Minimum Salary Rs. 30,000
• Age up to 59.5 years and valid CNIC at the time of applying loan
How to apply PayDay Loan?
After login to myABL, App users can access PayDay Loan by selecting more option from bottom menu.
Web user can access PayDay Loan from Quick Access section on Dashboard.

How much loan amount can be availed for PayDay Loan?

You can avail the loan between the range of Rs. 10,000 and 250,000.

What is the processing fee for Pay Day Loan?

Processing fee for PayDay Loan is 2.5% of the loan amount or Rs. 300 whichever is higher.

Is there any markup on PayDay Loan?

No, there is no markup on PayDay Loan if the payment is recovered within due date however in case of late
payment 3% will be charged on the outstanding amount as late payment charges.

What is the tenure of PayDay Loan?

PayDay Loan will automatically be recovered on your next salary.

How to make payment against PayDay Loan?

System will automatically recover Loan amount on your next salary credit.

Can I check my PayDay Loan details from myABL?

Yes, you can check your Loan details under PayDay Loan History.

ABL AMC
What are the features & advantages that ABL customers can avail using myABL for “My Mutual Funds”
feature?

myABL customers can perform following actions without the hassle of visiting branch or any other office.

• Invest
• Funds to Funds Transfer
• Redeem
• View Investment Dashboard
• View Transaction History

Can I open an investment account with AMC through myABL?

No. Currently only those customers can transact whose profile is available at AMC

What is the Invest option and how can I invest?

Customers can invest in new funds or re-invest in existing funds through myABL.

Can I invest in more than one fund?

Yes, customers can invest in as many funds as they wish.

What is Fund to Fund Transfer and how can I transfer or convert from one fund to another?

By using myABL, customers can partially or completely move their funds from one fund or plan to another fund or
plan.

What is Redeem and how can I redeem my funds?

Customers can partially or completely redeem their funds from one fund or plan to another fund or plan as per their
choice using “Pay by ABL account”

What if Invest, Redeem or Funds to Funds transfer request is taking longer time than usual, whom to
contact for the issue??

For any issues in Invest, Redeem or Funds to Funds transfer request, you can contact ABL AMC team at its UAN
number 042-111-225-262. You can also email them at [email protected]

What can I do if it is not reflecting my Invest amount or the amount is not updated?

You can contact ABL AMC team at its UAN number 042-111-225-262. You can also email them
at [email protected].

In case of any dispute or reversal, what can I do?

Again, for such issues, you can contact ABL AMC team at its UAN number 042-111-225-262. You can also email
them at [email protected]