Cards & ATM

Albaraka Bank ATM & Cards

Debit card activation, ATM withdrawal charges, and what to do about a lost or blocked card.

• 1Link Network
• Debit-Only — No Credit Card

Quick Answer

Albaraka Bank ATM and card guide: debit and Gold Card activation, 1Link withdrawal charges, and what to do if your card stops working.

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

ATM access comes bundled with the debit card you get at account opening, and it runs on the 1Link switch that ties most Pakistani bank ATMs together. Al Baraka isn't running the country's largest proprietary ATM network — its own machines sit at and near its branches — but 1Link membership means the debit card still works at other banks' ATMs, for a fee.

Al Baraka Cards at a Glance

Debit Card Network

1Link / PayPak

ATM Access

Own ATMs + 1Link shared network

QR Payments

Via mobile app

Card Activation

Mobile app, branch, or helpline

Albaraka Bank ATM: Activation & Limits

New debit cards can be activated in the Mobile Banking App — before or after logging in — or by calling the 24/7 helpline (111-113-442), which also handles lost or blocked cards; a branch visit isn't required just for activation. Daily withdrawal and POS limits are set per account tier and spelled out in the Schedule of Charges at account opening — confirm your specific limit with the branch rather than trusting a generic figure, since these do get revised.

Other-Bank ATM Withdrawal Charges

Like most Pakistani banks, Al Baraka charges for withdrawals at another bank's ATM via 1Link, on top of whatever the other bank charges. The exact figure sits in the official Schedule of Charges — check there rather than trust a cached number from a forum or comparison site.

Debit Card Lineup: No Credit Card in Pakistan

Some Al Baraka Banking Group subsidiaries abroad issue credit cards; the Pakistan operation doesn't. Its card business is debit-only, confirmed directly from the official Schedule of Bank Charges:

Card names, variants, and annual fees confirmed from Al Baraka Bank Pakistan's official Schedule of Bank Charges (July–December 2026) and its Debit Mastercard / Platinum Debit Mastercard product pages. Fees are revised periodically — always check the current Schedule of Charges before assuming a fee is still accurate.

The Aura card is Al Baraka's PayPak-powered debit card, positioned as its lifestyle/rewards option — usable at ATMs, POS, and for e-commerce, and bundled with Takaful coverage and periodic partner discounts alongside the standard PayPak fee of Rs 2,500. It's a card variant, not a separate account — order it against any eligible existing account the same way you would any other debit card.

Using an Al Baraka Debit Card Abroad

The Mastercard and UnionPay International debit cards both work internationally, e-commerce included. The Schedule of Charges lists a 4% point-of-sale fee on international and internet transactions for both — worth factoring in before you buy something while travelling or shopping on a foreign site. Separately from that bank fee, the government withholding tax on eligible international POS and ATM transactions has been reduced to 0.5% (from the standard 5%) for Al Baraka Mastercard and UnionPay debit cardholders — confirm current eligibility with the bank, since withholding tax treatment is a regulatory matter that can change.

If Your ATM Card Stops Working

If a machine retains your card, it stops working, or you suspect fraud, call the 24/7 helpline on 111-113-442 right away to block it, then head to your branch for a replacement. If you suspect unauthorized use, don't wait for the next business day.

ATM & Digital Transfer Charges Beyond Withdrawals

Cash withdrawal isn't the only ATM-linked charge worth knowing. A balance inquiry at another bank's ATM through 1Link costs Rs 5.50. Fund transfers within Al Baraka and RAAST person-to-person transfers are both free. InterBank Funds Transfer through ATMs or digital banking is free up to Rs 25,000 a month; above that threshold it's 0.1% of the transaction amount or Rs 200, whichever is lower. Utility bill payments through ATM or Internet Banking are also free.

ATM and digital transfer charges confirmed from Al Baraka Bank Pakistan's official Schedule of Bank Charges (July–December 2026).

Do Al Baraka ATMs Accept Cash Deposits?

No — based on the bank's own official ATM Network page, Al Baraka's ATMs are set up for cash withdrawal, fund transfer, bill payment, PIN change, and mini statements, but cash deposit isn't among the listed functions. That's a real gap next to competitors who run dedicated Cash Deposit Machines (CDMs). To deposit cash, use the branch counter instead — see our Branch Locator page to find one nearby.

Frequently Asked Questions

1Link: Why Your Card Works at Other Banks' ATMs

1Link is the shared switch tying together the ATM and payment infrastructure of nearly every scheduled bank in Pakistan, Al Baraka included. That's the mechanism behind withdrawing cash at a UBL, HBL, or MCB ATM with an Al Baraka card — the transaction routes through 1Link instead of Al Baraka needing its own nationwide fleet. The tradeoff is a small inter-bank fee, standard industry-wide and nothing specific to Al Baraka.

PayPak, Pakistan's domestic scheme, runs on similar shared infrastructure and is increasingly issued alongside or in place of international schemes for cheaper domestic transactions. If most of your spending stays within Pakistan, it's worth asking the branch whether a PayPak card suits you better than a Mastercard-branded one.

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Last verified: 7 Sept 2026.

For independent verification, see State Bank of Pakistan, Al Baraka Bank Pakistan (Official), Al Baraka Banking Group.