Digital Banking

Bank of Punjab App (digiBOP) — Complete Feature Guide

Everything digiBOP, BOP's official mobile banking app, can do — transfers, bill payments, card controls, and security.

iOS & Android
SIM-Bound Security
Verified Sep 1, 2026

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

Bank of Punjab app searches usually mean one thing: digiBOP, the bank's official mobile banking application — what it actually does, feature by feature, based on BOP's own app store listings and product pages.

digiBOP — marketed under the tagline "Simple, Speedy, Secure" — is available for both iOS and Android and is registered to BOP's own developer account. It replaced older BOP mobile banking apps and now serves as the bank's single digital banking entry point for retail customers.

digiBOP Feature Guide

Fund Transfers

Transfer within your own BOP accounts, to other BOP accounts, or to any other bank via RAAST/1LINK — up to Rs 500,000 per day.

Bill Payments

Pay utility bills, credit card and loan instalments, online shopping platforms, and government challans (FBR payments).

Mobile Top-Up

Recharge or buy prepaid bundles for Jazz, Zong, Ufone, and Telenor directly from the app.

Card Management

Activate, lock, or unlock your debit card, and manage debit/credit card permissions in real time.

Account Information

Check balances, view IBAN and branch details, and download transaction history or e-statements.

Discounts & Offers

Browse nearby deals and discounts tied to BOP debit and credit cards.

Feature list confirmed from digiBOP's official Apple App Store and Google Play listings.

Security Features

digiBOP is device-bound through SIM binding, meaning the app is only fully accessible on the specific registered mobile device tied to your verified SIM card. It also supports Face ID / Touch ID login and auto-fetch OTPs, reducing manual entry during two-factor authentication while keeping the login process tied to your registered device.

Two features worth knowing before they catch you off guard: first, digiBOP applies a 2-hour cooling-off period after you sign up, switch devices, change your password, or change your transaction limits — during this window, certain transactions are held back as a fraud-prevention measure, so don't expect to transfer large amounts immediately after any of these changes. Second, in-app NADRA biometric verification is required at several trigger points — signing up, logging in from a new device, resetting your password from an unregistered device, or changing your transaction limits — so keep your fingerprint or facial biometrics ready with NADRA when doing any of these. Both are regulatory security requirements applied across digiBOP, not bugs or app malfunctions.

digiBOP also offers a Secure PIN feature — a 6-digit code you set once to authorize transactions instantly without waiting for an OTP each time. As of this writing, Secure PIN is available on Android only; iOS users still authorize via OTP.

Security feature details confirmed from BOP's official digiBOP page (bop.com.pk/digiBOP) and the app's official App Store and Google Play release notes.

Barq Fintech Partnership (Banking-as-a-Service)

BOP has entered a strategic partnership with Barq Fintech Pvt. Ltd. (Barq PK), part of the wider Barq ecosystem — one of Saudi Arabia's leading digital financial platforms — to advance digital financial services in Pakistan. Barq PK is preparing to launch its Electronic Money Institution (EMI) services locally, and under the partnership BOP will serve as its strategic banking partner, providing the underlying banking infrastructure for multiple EMI use cases.

The tie-up sits under BOP's broader Banking-as-a-Service (BaaS) strategy, adding to its existing portfolio of EMI partnerships and reinforcing its position as a banking partner for fintechs and digital financial service providers in Pakistan. At the signing, Imran Ashraf, Head of Digital Banking at BOP, said the Bank would "enable Barq PK's EMI services and support the rollout of multiple innovative use cases in the coming months." Zain Farooq, Managing Director of Barq Fintech Pvt. Ltd., described BOP as an "ideal banking partner" given its government-backed position and comprehensive product portfolio.

Sourced from BOP's official press materials announcing the Barq PK partnership. As with any EMI/BaaS integration, specific consumer-facing features roll out in phases — check digiBOP or BOP's official channels for what's currently live rather than assuming immediate availability.

How to Get Started

Download digiBOP from the Apple App Store or Google Play, then register using your BOP account number and registered mobile number. First-time registration typically requires an OTP sent to your BOP-registered SIM, after which you can set up biometric login for future sessions. Registration works identically whether your account was opened at a branch in Lahore, Karachi, Islamabad, or anywhere else in BOP's network — digiBOP isn't tied to your home branch's city.

digiBOP vs Branch Banking

Most routine BOP tasks — checking a balance, paying a bill, transferring funds within the 1LINK network, or managing a card — no longer require a branch visit once digiBOP is set up. Branch visits remain necessary mainly for account opening, cheque book requests, large cash transactions, and certain loan applications. If you're a frequent BOP customer who still visits a branch for routine balance checks or bill payments, switching to digiBOP is likely to save the most time out of any single change you can make to how you bank with BOP.

digiBOP Transfer Fees (SOBC, Effective 01 Jul – 31 Dec 2026)

Interbank Fund Transfers (IBFT) made through digiBOP or RAAST are free up to a combined Rs 25,000 per month. Beyond that monthly threshold, BOP charges 0.1% of the transaction amount, or Rs 200, whichever is lower, per BOP's official Schedule of Bank Charges. This fee schedule is separate from BOP's daily transaction limits, which are set independently of the SOBC.

Figures sourced from BOP's official Schedule of Bank Charges (SOBC), effective 01 July 2026 to 31 December 2026, published on bop.com.pk.

Frequently Asked Questions

What is Bank of Punjab's mobile app called?

Bank of Punjab's mobile banking app is called digiBOP, available on the Apple App Store and Google Play, offering fund transfers, bill payments, card management, and account information.

Can I transfer money using the BOP app?

Yes. digiBOP supports transfers within BOP accounts and to other banks via RAAST and 1LINK, up to Rs 500,000 per day, subject to BOP's standard transaction limits.

Is digiBOP free to use?

Yes. Downloading and registering for digiBOP is free, and BOP does not charge subscription fees for standard mobile banking features. Standard transaction charges (e.g. IBFT above free thresholds) still apply per BOP's Schedule of Bank Charges.

Why isn't digiBOP working on my new phone?

digiBOP is typically SIM-bound for security, so switching to a new device or SIM often requires re-registration with a fresh OTP. If it still fails, call BOP's helpline at 111-267-200 for assistance.

Can I open a new BOP account entirely through the app?

Digital account opening features vary by product; some BOP accounts can be initiated in digiBOP, but most still require a one-time biometric or video KYC verification step before the account is fully active.

Why is digiBOP blocking my transfer after I changed my password or device?

digiBOP applies a mandatory 2-hour cooling-off period after sign-up, a device change, a password change, or a limit change, during which certain transactions are held back as a fraud-prevention measure — this is a regulatory security feature, not an app malfunction.

Does digiBOP work the same in Karachi as in Lahore?

Yes. digiBOP's features and limits are identical nationwide, regardless of which city your account was opened in or where you're currently using the app.

Good For

Understanding exactly what digiBOP can and can't do before downloading
Checking BOP's daily transfer limits via RAAST and 1LINK
Learning how digiBOP's SIM-binding security works
Managing your debit and credit cards without visiting a branch

Ready to bank digitally with BOP?

Download digiBOP and register with your BOP account details to get started.

Learn More at BOP See Card Discounts