Digital Banking

Albaraka Bank App: Online & Mobile Banking

Feature-by-feature guide to the Albaraka Bank Pakistan app, Internet Banking, and SMS Banking.

iOS & Android
RAAST + 1Link IBFT

Quick Answer

Albaraka Bank app guide with a feature-by-feature App vs. Internet Banking comparison table, fund transfers, bill payments, QR payments, and registration steps.

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

Quick Answer

The Albaraka Bank app — listed as "Albaraka Bank Pakistan" on iOS and Android — is the bank's official mobile banking application, handling fund transfers, RAAST and 1Link IBFT, utility bill payments across 600+ billers, QR payments, mini statements, and Face ID/Touch ID login. Registration is typically done at your home branch and linked to your existing account.

The app, listed as "Albaraka Bank Pakistan" on the Apple App Store and Google Play (package name pk.com.albaraka.mobileapp), gives existing account holders round-the-clock access from a smartphone — no branch visit needed for routine transactions.

What the Albaraka Bank App Can Do

Fund Transfers

Move money within Al Baraka accounts, via RAAST person-to-person payments, or via 1Link Inter Bank Funds Transfer (IBFT) to any other Pakistani bank. RAAST transfers carry no bank charge — register your mobile number against your account in the app to start sending and receiving on it.

Bill & Utility Payments

Pay utility bills, mobile top-ups, school fees, and taxes across more than 600 billers nationwide.

QR Payments

Cashless payments at partner merchant outlets using an in-app QR scanner.

Account & Card Management

View account and mini statements, manage beneficiaries, locate the nearest branch or ATM, activate a new debit card, and change your card PIN — all directly in the app.

Biometric Login & F-PIN

Sign in via Face ID or Touch ID on supported devices. The app also supports F-PIN ("Fixed PIN"), a digital PIN that authorizes payments and transfers in one step on supported transactions, without waiting on an OTP.

Multilingual Notifications

In-app and push notifications are available in multiple languages, not just English — check the app's settings menu to change yours.

App features confirmed from Albaraka Bank Pakistan's official Mobile Banking page and its App Store / Google Play listings. SMS Banking and IBFT charges confirmed from the bank's official Schedule of Bank Charges (July–December 2026).

Registering for Al Baraka Internet & Mobile Banking

Registration for Internet Banking and the app works the way it does at most Pakistani banks: at the home branch, where staff link the account to a username after verifying CNIC and mobile number, or in some cases through in-app self-registration using debit card and account details. These self-registration flows shift periodically for security reasons, so it's worth confirming the current process with the branch or helpline rather than assuming a particular path still works.

Forgot Password or Login Issues

Locked out of online banking or the app? Use the in-app "Forgot Password" option where it's available, or call the 24/7 helpline on 111-113-442 — repeatedly guessing credentials risks a temporary security lock on the account.

SMS Banking: The Low-Data Alternative

For customers without a smartphone or reliable data, Al Baraka also runs SMS Banking — instant transaction alerts and account information by text, after a one-time registration at the branch. It's a narrower feature set than the app, but it works on any handset. In-app and email alerts are free, but standalone SMS alerts on a local-currency account carry a charge — Rs 300 a month for an individual account, Rs 900 a month for a company account, or USD 12 a year on a foreign-currency account — unless waived under an account's free-service perks (Shafqaat, Mahana Barkah, and several of the business accounts include it).

Frequently Asked Questions

Does the Al Baraka app support account opening?

No — the app is built for servicing an existing account (transfers, bill pay, statements), not opening a new one from scratch.

Is the Al Baraka app free to use?

Yes — downloading and using the app costs nothing, and RAAST transfers and IBFT up to Rs 25,000 a month are free too. Above that, IBFT costs 0.1% of the transfer or Rs 200, whichever is lower, per the bank's Schedule of Charges.

What is F-PIN and how is it different from an OTP?

F-PIN is a digital PIN set up in the app that authorizes supported payments and transfers in a single step, instead of waiting for an SMS OTP each time. It needs to be set up in the app first — check that your specific transaction type supports it before assuming OTP is no longer required.

Does Al Baraka ever run cash-prize or reward campaigns through the app?

Yes, periodically — the bank has run time-limited engagement campaigns rewarding app logins, bill payments, or top-ups with cash prizes or reward points. These are promotional and come with their own terms and end dates, so check the app or albaraka.com.pk for whatever campaign is currently live rather than relying on a past one's details.

What if I keep getting logged in on two devices?

Session conflicts are a known, occasionally reported issue — log out fully on your old device first, or contact the 24/7 helpline if the error persists.

The app crashes when I try to scan my fingerprint — what now?

Users on newer Android versions have reported the app closing or restarting during fingerprint scanning, particularly during new-device sign-in. If this happens, try Face ID (if supported) or a password login instead, and report the issue to the 24/7 helpline so it can be logged against your device.

App vs. Internet Banking: Which to Use

The app and Internet Banking overlap heavily on functionality, but the app tends to be faster for day-to-day tasks — checking a balance, sending an IBFT transfer, scanning a QR code at a merchant — since it's built mobile-first with biometric login. Internet Banking, browser-based, suits anyone who wants a bigger screen for reviewing statements or managing multiple accounts side by side. Both sit on the same underlying account, so a transfer made on one shows up instantly on the other — there's no need to commit to just one.

Feature-by-Feature: App vs. Internet Banking

Feature	Mobile App	Internet Banking
Fund transfers (RAAST, IBFT, within-bank)	Yes	Yes
Bill & utility payments	Yes	Yes
QR code payments at merchants	Yes — needs a phone camera	Not applicable (no camera)
Biometric login (Face ID / Touch ID)	Yes, on supported devices	No — browser login uses username/password
F-PIN one-step transaction authorization	Yes	Confirm with the bank — this is an app-specific feature
Statement viewing & download	Yes, mini-statements	Better suited to this — larger screen for reviewing and printing full statements
Managing multiple accounts side by side	Workable, but a small screen	Easier — bigger screen for comparing accounts at once
Card PIN change / debit card activation	Yes	Confirm with the bank — typically an app feature
Branch/ATM locator	Yes, with GPS	No GPS — static list only
New account opening	No — servicing only	No — servicing only

Table compiled from Al Baraka's published app feature list; a few Internet Banking specifics are general patterns for browser-based banking rather than confirmed Al Baraka features — where marked "confirm with the bank," verify with the helpline or a branch before assuming.

For anyone without a smartphone, SMS Banking fills the gap for transaction alerts, though it doesn't come close to matching the app's transfer and bill-payment features — think of it as a monitoring tool rather than a transacting one.

Ready to bank with Al Baraka?

Verify current rates, offers, and terms directly with Al Baraka Bank Pakistan before you apply.

Visit Al Baraka Official Website See Al Baraka Bank Profile