Provincial Government Bank

Bank of Khyber App (BOK Digital) – Feature Guide

Part of PakFinHub's BOK coverage — see the full bank overview.

• Launched Jan 2021
• iOS & Android

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

The Bank of Khyber app, officially branded BOK Digital, is BOK's mobile and internet banking platform, first launched in January 2021 to give customers self-service access to their accounts without visiting a branch. This guide walks through what the BOK app actually does, feature by feature.

Like most Pakistani bank apps, BOK Digital covers the essentials — balance inquiry, fund transfers, bill payments — plus a growing set of features aimed at reducing branch visits for routine tasks, including card controls and account opening for new customers who haven't yet visited a branch at all.

Bank of Khyber App: Core Features

Feature set and launch date confirmed from BOK's official Digital Banking pages (bok.com.pk). Last verified: August 2026.

Getting Started With the BOK App

To register for BOK Digital, you'll typically need an existing BOK account, your registered mobile number, and your CNIC for identity verification during first-time login. New-to-bank customers using the app's digital account opening path go through a similar CNIC-based verification flow before an account is created, without needing to visit a branch first.

Security on the BOK App

As with any Pakistani bank's mobile app, transactions above certain thresholds typically require a one-time password (OTP) sent to your registered mobile number, and the app itself is protected by a PIN or biometric lock separate from your phone's own lock screen. BOK, like every SBP-regulated bank, will never ask you to share your OTP, PIN, or full card number over a phone call or unsolicited message — treat any such request as fraud regardless of how convincing the caller sounds, and see the BOK security & fraud page for how to report it.

When to Use the App vs. a Branch

Routine tasks — checking your balance, moving money between accounts, paying a utility bill, or generating your IBAN — are all faster through BOK Digital than a branch visit. Where a branch is still typically required: opening certain specialized accounts (particularly business or corporate accounts), disputing a transaction beyond what the app's self-service tools handle, or any request involving physical documents like a cheque book reorder or a certified bank statement for a visa application.

BOK App Transfer & Payment Charges

BOK's published digital transaction charges from its Schedule of Bank Charges, Conventional Branches, effective July–December 2026.

Source: Bank of Khyber Schedule of Bank Charges, Conventional Branches, July–December 2026. Charges may change with BOK's next schedule update — confirm current rates before relying on them. Last verified: August 2026.

Frequently Asked Questions

As BOK continues rolling out features to its digital platform, expect the gap between what a branch visit handles and what the app handles to keep narrowing — checking the app first before planning a branch trip is a habit worth building even for tasks you're used to doing in person.

Good For

• Understanding every core feature of the BOK Digital app before downloading it
• Knowing what to expect during first-time registration
• Recognizing legitimate vs. fraudulent app-related requests
• Deciding when a task actually needs a branch visit instead

Similar Banks

More on Bank of Khyber