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apna hi to hay!
customer guide
T h e
B a n k
o f
P u n j a b
ATM/DEBIT CARD
customer guide
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apna hi to hai!
T h e
B a n k
o f
P u n j a b
ATM/DEBIT CARD
customer guide
contents
atm usage
pos usage
cash withdrawal
balance enquiry
easy steps that guide you through getting balance
information at atms
at Point of Sale terminals
functionalities
at atms
frequently asked questions
terms & conditions
apna hi to hay!
T h e
B a n k
o f
P u n j a b
T h e
B a n k
o f
P u n j a b
Carrying your BOP ATM/Debit card means carrying the currency you have in
your account with The Bank of Punjab in your pocket.
1. You can get cash from any ATM in Pakistan.
2. You can check your balance from any ATM or from any big store in Pakistan.
3. you can check the last 8 transactions.
4. You can purchase gifts and goods of your choice.
5. You can party with your friends or dine out with your family.
customer guide
where can I
purchase
goods from?
BOP is a member of Master group. You can use your BOP APNA CASH ATM/DEBIT CARD where ever you see the sign of MNET.
T h e
B a n k
o f
P u n j a b
customer guide
how to make
purchases?
1.
2.
3.
4.
5.
T h e
B a n k
o f
P u n j a b
customer guide
pin security
PIN (personal identification number) is used worldwide as a safe and secure method of approval across multiple payment devices.
1. On receipt of your BOP ATM/DEBIT card, immediately sign on the signature panel at the back of the card.
2. You will receive your PIN in a sealed pin-mailer.
3. You approve/authorize your transaction with your PIN code.
4. Make sure that you protect it because it is equivalent to your signature of approval.
5. Keep your BOP ATM/DEBIT CARD and PIN in separate places for protection in case of loss or theft.
6. It is advisable that you reduce the PIN given to you by the bank to a number that you can memorize and recall easily.
T h e
B a n k
o f
P u n j a b
reporting a
dispute
e
n
i
l
p
l
H e 0-26700
080
customer guide
T h e
B a n k
o f
P u n j a b
4. Check the amount and simply authorize your transaction by entering your PIN yourself.
5. The purchase amount is debited to your account.
6. Collect your receipt and retain for reconciliation of your statement.
7. At restaurants and fuel stations, you will be proceeding to a portable terminal in which you can
enter your PIN code. While at other merchant outlets, separate pin-pads are provided so that you
can enter your pin securely and avoid the risk of disclosing it to anyone else.
On receipt of your BOP ATM/DEBIT CARD, immediately sign on the signature panel at the back of card.
Do not bend your card. Protect it from magnetic fields.
Do not leave your card exposed to sunlight or heat.
Do not scratch the magnetic strip at the back, as it will affect data encoded on the card.
Do not place or keep two cards with magnetic strips face to face.
Write down your card number and the related details separately which can be easily accessed. In case of
loss or theft of your card, you need to secure yourself with prompt reporting using this information.
customer guide
doing a transaction
1.Please check your transaction slip from the ATM or POS to ensure that the details are correct.
2.After using your card at the merchant location, please ensure that the card returned to you is yours.
3.Retain your copy of the transaction slip to reconcile it later with your statement.
Read and follow all instructions carefully. If you think that you have incorrectly entered your
transaction, start all over again.
T h e
B a n k
o f
P u n j a b
pin security
1.You approve/authorize your transaction with your PIN code. Make
sure that you protect it because it is equivalent to your signature of approval.
2.Keep your BOP DEBIT CARD and PIN in separate places for protection
in case of loss or theft.
3.Change your PIN frequently.
4.For your security, do not write your PIN anywhere or disclose it to
anyone. In case you suspect your PIN may have been revealed,
immediately change your PIN code.
customer guide
atm usage
1.Insert your BOP ATM/DEBIT CARD into the slot provided for the purpose. Make sure it enters the slot
with the arrow on the card pointing in the direction of the slot.
2.In case of an incorrect PIN, the ATM will display Incorrect number, please enter again the correct PIN
should then be entered.
3.When using an ATM, shield your transactions from other peoples view by standing in front of the
screen.
4.If your withdrawal at ATM is denied, wait a while and try again after a few minutes.
5.Please remember to remove your card immediately otherwise the ATM will retain it.
T h e
B a n k
o f
P u n j a b
pos usage
1.The merchants will follow prescribed steps for doing different types of transactions at the POS terminals,
Ensure you enter you PIN after verifying the transaction amount.
2.In case of refund transaction always obtain a copy of the transaction receipt.
3.In case your transaction has been cancelled by the merchant, always obtain your copy of void
transaction slip.
4.In case you have been asked to authorize a transaction more than once, Please ensure you take a
transaction slip for each time you entered the PIN.
customer guide
cash withdrawal
The Purchases bill payment and funds transfer facilities of BOP DEBIT CARD free you
from the inconvenience of carrying cash. However, your BOP ATM/DEBIT CARD gives
you round the clock freedom to withdraw cash from the largest network of BOP, MNET,
and 1LINK ATMs in more than 35 cities in Pakistan and growing. In addition to ATMs,
you can also get cash from selected merchant outlets by using POS terminals.
T h e
B a n k
o f
P u n j a b
balance enquiry
From any where in Pakistan, far from you branch, DEBIT CARD gives
you the flexibility to instantly verify your account balance, 24 hours
a day, without the inconvenience of calling or visiting a branch.
This service can be availed via any of the following:
1.From BOP/MCB POS terminals at merchant locations
2.At the nationwide network of BOP ATMs, MNET and 1LINK.
customer guide
T h e
B a n k
o f
P u n j a b
at pos terminals
1.Present your BOP ATM/DEBIT CARD to your merchant.
2.The merchant will swipe your card to follow a prescribed procedure.
3.Enter your PIN in a portable POS or a PIN-PAD and press enter.
4.Collect slip with your balance information.
customer guide
functionalities
The mini statement facility gives you 24 hours access to your updated account balance
and the status of recent transactions for your record keeping and reconciliation.
This service can be availed via any of the following:
1. At the largest nationwide network of ATMs.
T h e
B a n k
o f
P u n j a b
at atms
1.Insert your BOP ATM/DEBIT CARD into the ATM and enter your PIN.
2.Select mini statement.
3.Collect slip with your statement.
customer guide
T h e
B a n k
o f
P u n j a b
customer guide
T h e
B a n k
o f
P u n j a b
what is a
transaction
slip?
After completing a transaction at ATM or POS terminal, the transaction
details are provided to you on a printed slip by the respective device.
Retain this to reconcile your account statement.
customer guide
T h e
B a n k
o f
P u n j a b
what is the
maximum
transaction amount?
You can carry out transaction subject to the daily limit on your card and
the cleared balance in your account.
customer guide
T h e
B a n k
o f
P u n j a b
customer guide
ATM means any automated teller machine installed and operated by the bank or any other participating bank or
financial institution at various locations whether in Pakistan or overseas. Whether of BOP or a shared network,
at which amongst other things, I/we can use my/our ATM/DEBIT card to access my/our funds in the bank account.
PIN means the personal identification number allocated to me/us by you or, chosen by me/us from time to time,
in relation to my/our ATM/DEBIT card.
ATM/DEBIT CARD means the card issued by BOP to allow me/us to access my/our bank account availing the services.
EDC means any electronic data capture terminal whether in Pakistan or overseas, whether of BOP or shared network,
at which amongst other things, I/we can use my/our ATM/DEBIT card to access my/our funds in the bank account.
T h e
B a n k
o f
P u n j a b
customer guide
ISSUANCE OF DEBIT/ATM CARD on my/our request you shall issue/have already issued ATM/DEBIT card.