The Allied Bank app, branded myABL, is Allied Bank's internet and mobile banking platform, available 24/7 for both retail and business customers. It handles fund transfers, bill payments, card management, cheque services, salary advances, and mutual fund investments — all without a branch visit.
The Allied Bank app has grown from a basic transaction tool into the primary channel most ABL customers use day to day. Here's how registration works, what the app can actually do, and how it fits different needs — from a salaried employee in Karachi checking a balance to an overseas Pakistani managing a Roshan Digital Account from abroad.
Which Digital Channel Fits You?
Three separate products get lumped together as "the Allied Bank app." Answer one question to find the right one.
Based on Allied Bank's official product pages for myABL, myABL Wallet, and myABL WhatsApp Banking.
Registering for the Allied Bank App
Any existing Allied Bank account holder with an active debit card can register for myABL. Registration requires your CNIC, mobile operator, and mobile number (verified against the bank's records), followed by an OTP and a biometric verification step. After registration, a robocall from Allied Bank activates financial transactions — you can only transact roughly two hours after confirming the call. If you don't yet have an account, the myPakistan Digital Account lets you open one entirely within the app.
Core Features
Fund Transfers
Send money to any Allied Bank account or to any bank via IBFT/RAAST — including to recipients who don't hold an account, using their CNIC.
Bill Payments
Pay utility bills, mobile top-ups, and donations, and add new billers directly within the app.
Card Management
Instantly activate/deactivate debit, credit, or virtual cards; generate credit card PINs; adjust credit limits without calling the Allied Contact Center.
Cheque Management
Request a new chequebook, use Positive Pay, or stop a cheque payment from within the app.
RAAST Management
Create, link, delink, or delete your RAAST ID for instant, free interbank payments.
PayDay Finance
Salaried customers can access an advance-salary facility for a processing fee of 3% per month on the loan amount (or Rs 370, whichever is higher), with a late payment fee of 3.5% per month on any outstanding principal.
Investments
Manage ABL Asset Management Company mutual fund investments directly through the app.
myABL Coins
Earn digital rewards on card transactions, redeemable for bill payments, top-ups, and ticket bookings.
Statements & Profile
Download full or mini statements, subscribe to e-statements, and update mailing address or CNIC expiry.
Security
All data between your device and the myABL servers is protected with 128-bit SSL encryption. The app uses device binding, so logging in from a new device triggers additional verification, and biometric login (Touch ID, or Face ID on supported iPhones) replaces manual password entry for everyday use.
myABL Wallet: Branchless Banking Fees
Allied Bank offers myABL Wallet, a separate branchless-banking product for opening a mobile-linked account without a formal branch visit, aimed at customers who want basic banking without a full current or savings account. Most core services are free, but cash transactions through agents follow a tiered slab structure once you exceed the free monthly allowance:
| myABL Wallet Service | Charge |
|---|---|
| Account Opening | Free |
| Utility Bill Payments | Free |
| Wallet-to-Wallet Transfer | Free |
| Cash Deposit (ABL Branches) | Free (1–50,000 per transaction) |
| Cash Deposit (Agent Network, after 5 free/month) | Rs 25/- to Rs 205/- per transaction, by slab |
| Cash Withdrawal (ABL Branches, Rs 1–50,000) | Free |
| Cash Withdrawal (Agent Network) | Rs 10/- to Rs 500/- per transaction, by slab |
| IBFT from Wallet App/ATMs | 0.1% or Rs 200, whichever lower — free up to Rs 25,000/month |
| myABL Wallet Co-Badged Debit Card (Annual) | Rs 350 plus FED |
| Wallet Debit Card ATM Withdrawal (On-Net) | Free |
| Wallet Debit Card ATM Withdrawal (Off-Net) | Rs 35 including FED |
Fees confirmed from Allied Bank's official Schedule of Charges, Section A "Digital Channels — Branchless Banking," effective 01-07-2026 to 30-09-2026.
Other Ways to Bank Digitally
Beyond the core app and myABL Wallet, Allied Bank offers myABL WhatsApp Banking, reachable at 0300-1225225 for free balance inquiries and mini statements without opening the app at all.
Feature list confirmed from Allied Bank's official myABL Digital Banking pages and app store listings on the Apple App Store and Google Play.
myABL vs. Branch Banking: What Still Needs a Visit
Most day-to-day banking no longer requires a branch at Allied Bank — fund transfers, bill payments, card controls, cheque requests, and even full account opening (via myPakistan Digital Account) can happen entirely inside the app. What typically still requires a branch visit are things tied to physical documents or higher-risk changes: notarized account closures, certain large cash deposits, safe deposit locker access, and in-person verification for foreign nationals opening an account. If you're unsure whether a specific task needs a branch, the fastest way to check is the in-app Allied Live Chat or a call to 042-111-225-225 before making the trip.
Business Banking Through the App
Business customers have a parallel channel, myABL Business, offering bulk payment processing, cash management, and business-account-specific reporting distinct from the retail myABL experience. This separation matters because business and retail accounts carry different transaction limits, approval workflows (often requiring multiple authorized signatories), and fee structures — logging into the wrong portal simply won't show the accounts you're looking for.
Good For
- Understanding every feature inside the myABL app before you register
- Salaried customers considering a PayDay Finance salary advance
- Managing debit and credit cards without calling the helpline
- Overseas Pakistanis managing accounts from abroad