What Is Bank Alfalah ATM Withdrawal Limit?


The ATM withdrawal limit at Bank Alfalah varies depending on the type of debit card you hold. Here's a breakdown:


 

Bank Alfalah ATM Withdrawal Limit?
Bank Alfalah ATM Withdrawal Limit?


 

Table of Contents: Bank Alfalah ATM Card Activation

ATM Activation:

Insert a card and enter a PIN

Select "Card Activation"

Follow on-screen instructions

A confirmation message and card ready

 

 

Phone Banking:

Call 16515 using the registered mobile number

Verify details and transfer to IVR

Set the desired PIN through IVR instructions

Confirmation SMS for successful PIN generation

 

 

Online Banking:

Log in to your online banking account

Access the "Cards" section and select "Activate Card"

Enter card details and follow on-screen instructions

The card activated within minutes

 

 

Branch Visit:

Visit with CNIC and card

Customer service representative assists with activation 

 

 

Classic Debit Cards:

ATM Withdrawal Limit: PKR 100,000 per day.

Purchase or POS Transactions: PKR 50,000 per day.

Interbank Fund Transfer (IBFT): PKR 250,000 per day.

Examples: Bank Alfalah VISA Classic Debit Card, Alfalah Visa Islamic Classic Debit Card. 

 

 

Premium Debit Cards:

ATM Withdrawal Limit: Varies depending on the specific card. Some examples:

VISA Signature Debit Card: PKR 250,000 per day.

VISA Platinum Debit Card: PKR 200,000 per day.

VISA Gold Debit Card: PKR 150,000 per day.

 

 

Purchase or POS Transactions: Limits vary according to the card, generally higher than Classic cards.



IBFT: Limits vary according to the card, generally higher than Classic cards. 

 

 

Examples: Bank Alfalah VISA Signature Debit Card, Bank Alfalah VISA Platinum Debit Card, Bank Alfalah VISA Gold Debit Card. 

 

 

Bank Alfalah ATM Withdrawal Charges:

The ATM withdrawal charges at Bank Alfalah depend on several factors, including the type of card you hold, the location of the ATM, and the amount you withdraw. Here's a breakdown: 

 

 

Charges for Bank Alfalah ATMs:

Free withdrawals: You get a certain number of free withdrawals per month from Bank Alfalah ATMs, depending on your card type. Refer to the "Schedule of Bank Charges" document on the Bank Alfalah website for specific details. 

 

 

Charges after free withdrawals: After exhausting your free withdrawals, a charge of PKR 20 applies per transaction at Bank Alfalah ATMs. 

 

 

Charges for Non-Bank Alfalah ATMs:

Inter-branch withdrawal charge: A charge of PKR 25 applies per transaction at non-Bank Alfalah ATMs within Pakistan.

 

 

Inter-city withdrawal charge: An additional charge of PKR 250 applies to withdrawals from non-Bank Alfalah ATMs located in a different city.

 

 

International withdrawal charge: If you use your Bank Alfalah card abroad, you'll be charged PKR 300 per transaction or 3% of the withdrawal amount, whichever is higher. 

 

 

Additional Charges:

Balance inquiry fee: A charge of PKR 10 applies per balance inquiry at non-Bank Alfalah ATMs.


Card replacement fee: If you lose your card, you may be charged a replacement fee, typically around PKR 200.

 

 

Bank Alfalah ATM Card Charges:

The charges associated with Bank Alfalah ATM cards can be categorized into two main groups: annual fees and transaction fees.


 

Annual Fees:

Classic Debit Cards: PKR 2000 to PKR 2300 depending on the specific card (e.g., Alfalah Classic Debit Card, Alfalah Paypak Card). 

 

 

Premium Debit Cards: PKR 2800 to PKR 14000 depending on the card tier (e.g., Alfalah Gold Debit Card, Alfalah Platinum Debit Card, Alfalah Visa Signature Debit Card). 

 

 

Cash Withdrawals:

Bank Alfalah ATMs: Free for a certain number of withdrawals per month depending on your card type. PKR 20 per transaction afterward. 

 

 

Non-Bank Alfalah ATMs:

Within Pakistan: PKR 25 Inter-branch withdrawal charge + PKR 250 Inter-city withdrawal charge (if applicable).

 

 

International: PKR 300 per transaction or 3% of the withdrawal amount, whichever is higher.



Balance Inquiry: PKR 10 at non-Bank Alfalah ATMs. Card Replacement: Around PKR 200 in case of lost or damaged card. 

 

 

Bank Alfalah ATM Card Activation:

Activating your Bank Alfalah ATM card is a straightforward process that can be done through various methods depending on your preference. Here are the available options: 

 

 

ATM Activation:

Visit any Bank Alfalah ATM.

Insert your card and enter your PIN (received via SMS or mail).

Select "Card Activation" from the menu.

Follow the on-screen instructions, which may involve entering your CNIC number and account details.

Once complete, you'll receive a confirmation message, and your card will be ready for use. 

 

 

Phone Banking:

Call Bank Alfalah's 24/7 Phone Banking service at 16515 using your registered mobile number.


One of their phone banking officers will verify your details and transfer your call to IVR for PIN generation.


Simply follow the IVR instructions to set your desired PIN.


You will receive a confirmation SMS that your PIN has been generated successfully. 

 

 

Online Banking:

Log in to your Bank Alfalah online banking account.

Go to the "Cards" section and select "Activate Card."

Enter your card details and follow the on-screen instructions.

Your card will be activated within a few minutes.

 

 

Branch Visit:

Visit any Bank Alfalah branch with your CNIC and card.

A customer service representative will assist you with activating your card. 

 

 

Some Additional Things to Keep in Mind:

Make sure you have your CNIC and card readily available when activating your card.

Choose a strong PIN that is difficult to guess.

Do not share your PIN with anyone.

Be aware of your surroundings when using an ATM. 

 

 

Frequently Asked Questions:

How can I activate my Bank Alfalah ATM card?

If you haven't received your PIN via SMS or mail, you can call Bank Alfalah's 24/7 Phone Banking service at 16515. They will guide you through generating a new PIN over the phone. 


 

Can I activate my Bank Alfalah ATM card online?

Yes, you can activate your card through Bank Alfalah's online banking portal. Simply log in, navigate to the "Cards" section, select "Activate Card," and follow the on-screen instructions. You'll need your card details and CNIC information ready. 

 

 

Is it safe to activate my card at an ATM? 

Activating your card at an ATM is generally safe, especially if you choose a well-lit location and are aware of your surroundings. However, avoid sharing your PIN with anyone and memorize it instead of writing it down. If you lose your card or suspect any fraudulent activity, immediately block it through phone banking or online banking. 

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