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The Bank of Punjab

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

You have to stand guard over the development and maintenance of


Islamic democracy, Islamic social justice and the equality of manhood in
your own native soil. With faith, discipline and selfless devotion to duty,
there is nothing worthwhile that you cannot achieve.

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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

how to get BOP ATM/Debit Card


what can be done with BOP ATM/Debit Card
where can I purchase goods from
how to get cash from ATM
how to make purchases
how to dine out
pin security
reporting a dispute
lost or stolen card

contents

security tips/card protection


doing a transaction

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

Congratulations on getting BOP


ATM/debit card. You now have
access to your account twenty-four
hours a day seven days a week.
customer guide

how to get BOP ATM/Debit Card?


Fill out the application form at any branch of The Bank of Punjab. In a few days you will receive your BOP ATM/debit card.

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.

what can be done with


BOP ATM/Debit Card?

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

how to get cash from ATM?


1.
2.
3.
4.
5.
6.
7.
8.
9.

Locate any ATM of BOP, M-NET or 1-LINK.


Insert your card in the machine.
Enter your PIN code.
Select your account by pressing the key or touching the screen.
Enter or select amount
Press YES to proceed.
Collect your card.
Collect your cash.
Collect your receipt.

customer guide

Enter Pin Code

how to make
purchases?
1.
2.
3.
4.
5.

Locate a shop or store where MNET SMART CARD sign is displayed.


Choose your goods.
Hand over your card to the teller. He/she will swipe your card in the terminal and give you the letter pad.
Enter your PIN in the PAD, do not let anyone see your PIN code while entering.
Get your receipt, no signatures are required.

T h e

B a n k

o f

P u n j a b

how to dine out?


1.Choose a hotel that accepts APNA CASH ATM/DEBIT CARDS
2.Enjoy your dinner.
3.Pay with BOP ATM/DEBIT CARD.

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

In case you notice any discrepancy either


after completing a transaction or on reconciling the transaction slips on receipt of
your statement, notify the bank within 7
days by filling out a dispute resolution
form. This form is available at your branch
and at www.bop.com.pk

customer guide

lost or stolen card


If your card is lost or stolen or you suspect your PIN is compromised, it is important that you report it
immediately so that we can block/cancel the card and issue a new card. Call 24 hours BOP call centre
(0800-26700) and get acknowledgment reference number or report to the manager or your BOP online
branch and receive a written acknowledgment. (please always quote the acknowledgment reference
number in all your subsequent correspondence).

BOP debit card for cash free


convenience
Use it for your shopping and payment at a rapidly growing nationwide network of merchant locations including petrol pumps, grocery stores, restaurants, chemists, hospitals etc.
Its simple, safe and convenient to use
1. Shop at locations displaying the cash free sign/BOP ATM/Debit Card logo.
2. No need to pay cash. Simply present your card.
3. Merchant will swipe your card for the amount of the transaction.

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.

security tips/card protection


1.
2.
3.
4.
5.
6.

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

easy steps that guide you


through getting balance
information at atms
1.Insert your BOP ATM/DEBIT CARD into the ATM and enter your PIN.
2.Slect account balance.
3.Collect slip with your balance information.

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

frequently asked questions


What is a DEBIT CARD?
BOP ATM/DEBIT CARD is your multi-function debit card that provides you with round the clock access to your
bank account for purchasing, cash withdrawals and other transactions.

how do I use my debit card?


You can use your BOP ATM/DEBIT CARD at ATMS and POS terminals, At POS terminals, the merchant will swipe
your card, enter the transaction details and you will approve the transaction yourself by entering your PIN.
Payment will be made electronically by debiting your account.

T h e

B a n k

o f

P u n j a b

where can I use


my debit card?
In Pakistan you can use your card at merchant locations wherever
you see the BOP ATM/Debit Card and cash free sign. You can also
use your card at BOP ATMs or MNET member banks where you see
the MNET or 1LINK logo.

customer guide

what is a point of sale


terminal?
Point of Sale terminal is an electronic device at merchant
locations on which you use your card to make payments.
Q) Are my limits different for cash withdrawal at ATMs and for
purchasing at merchant locations?
A) Yes you have separate daily limits for cash withdrawal and
purchasing (see daily transaction cycle limit schedule)

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

what if my PIN is disclosed?


Immediately change your PIN and notify the bank.

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

what transactions can


I carry out on ATMs
using my BOP APNA
CASH ATM/Debit Card?
You can use your BOP ATM/Debit Card to withdraw cash and get your
account balance from any ATM of BOP, MNET or 1LINK member banks.

T h e

B a n k

o f

P u n j a b

can I get a refund of an


earlier transaction from a
merchant?
Refunds are only allowed at selected merchants. If your sale transaction slip
reflects no refunds the merchant will not be in a position to make a refund
transaction on your card.

customer guide

terms & conditions


These terms and conditions apply to all transactions involving use of my/our ATM/DEBIT card that will enable me/us to obtain
my/our funds and to carry out other transaction as provided in and subject to these terms and conditions.

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

definitions: in these terms & conditions


POS means point of sale terminals 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.
DEPOSITORY means any machine/device 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 the bank account and deposit funds in the bank account.
You or your or the bank or BOP means the Bank of Punjab having its registered office at 7 Egerton Road, Lahore having its registered office which is
the issuer of the ATM/DEBIT card.
I/WE or us, our cardholder means each ATM/DEBIT cardholder to down ATM/DEBIT card has been issued and whose name appears on it and in case of
joint account, each of the joint account holders to whom an ATM/DEBIT card is issued by BOP.
BANK ACCOUNT means any of my account(s) maintained with any of the branches of the bank or in case of joint account any of the joint account maintained
with the bank by us on which I/we am/are entitled to operate and give transaction instructions contemplated under the terms and conditions.
MERCHANT means any merchant authorized by an agreement in writing with the bank to accept an ATM/DEBIT card on presenting by me/us/cardholders
as a means of payment for goods or services or for carrying out transactions as provided in the term and conditions.
FACILITIES or SERVICES means services/ facilities as specified under the terms and conditions, that may be availed by using ATM/DEBIT card at the discretion
of the Bank and any other services that the Bank may in its sole discretion provide from time to time.
TERMS AND CONDITIONS means terms and conditions for the use of the ATM/DEBIT card provided herein including any and all amendments and modifications
to these terms and conditions from time to time.

customer guide
ISSUANCE OF DEBIT/ATM CARD on my/our request you shall issue/have already issued ATM/DEBIT card.