Introduction

SYED HUSNAIN RAZA ZAIDI

(Area Sales Manager)
Area:
Gulberg Area

TOPIC:ALTERNATE DISTRIBUTION
CHANNEL
SECTION
SMS ALERTS
INTERNET BANKING
VISA DEBIT CARD
CALL CENTRE 24/7

ALTERNATE DISTRIBUTION
CHANNEL

ADC PRODUCTS

248 ATM Machines

VISA Debit card

CALL CENTER (111-331-331),(111-331-332)

24/7

Internet Banking

SMS Alert Service

Utility Bills Payment System Via ATM & IB

SMS Alert Service

Instant

messages for financial and non

financial transactions (will get all alerts
against account)
Credit
Debit
Cheque Bounce
Proactive approach, preventing
customer calling the branch or call
center

SMS ALERT FEATURES

Features

Debit Alert: To inform you when any amount is deducted from

your Current or Savings account(s).

Credit Alert: To inform you when any amount is added into your
Current or Savings account(s).

Cheque Bounce: An instant SMS Alert to inform you that your

cheque has been dishonored.

Product Promotion SMS : Customers gets the alert for all the
promotional & marketing campaign.

SMS ALERTS CHARGES

Charges
Rs-400 Bank charges.
Rs-64 Govt Tax (16% of bank charges)

Complains
SMS Request from not processed from Br
Did not received sms
SMS Received late
Multiple sms received for same transaction

REQUIREMENTS:

Your cell phone number must be updated with us.

Your Bank Account must be active (not dormant, deceased, closed etc)
SIM must be of Mobilink, UFONE, Warid, Telenor & Zong
Only T24 account numbers must be used. Old Islamic Banker (IB)
account number will not be valid.

WHICH MOBILE NUMBER WILL BE USED TO VERIFY CUSTOMER:

PRIORITY 1: If the customer is an SMS Alerts Service user, the

requesting cell phone number will be matched against the SMS Alerts
Forms Mobile Number field.

PRIORITY 2: If the customer does not use the SMS Alerts service, the
cell phone number will be picked up from the CRM screen.

SMS BANKING PROCESS

HOW TO START SMS BANKING SERVICE?

Activation

of SMS BANKING Service

Send the below mentioned SMS for activation
of SMS BANKING Service at 9060 and it will
be activated.
Example : MBL ACTPULL <BRANCH
CODE>space<LAST 4 DIGITS OF T-24
ACCOUNT NUMBER>
MBL ACTPULL 0101 1234
Send to 9060

SMS BANKING PROCESS

If all is OK, customer will receive the following

message: Dear Customer, As per your request, your
SMS Banking Service has been activated.
If customer's cell number is not updated in our system,
customer will receive the following message: Dear
customer, your Mobile Phone number does not match
with our system;
to avail this service please get your Mobile number
updated from your branch.
If customer enters the text message incorrectly
(spelling or space errors etc): No response will be
received.

SMS BANKING PROCESS

SMS BANKING SERVICE OFFERS:

1. Account Balance

Via SMS BANKING account balance request, customer can get their latest balance.
Example: MBL BAL <BR CODE>space<LAST 4 DIGITS OF T-24 ACCOUNT NUMBER>
MBL BAL 0101 1234
Send to 9060

2. Past Transaction History (last 2 transactions)

Last two transactions with amount exceeding PKR 50 can be fetched.

Example : MBL PAST <BR CODE>space<LAST 4 DIGITS OF T-24 ACCOUNT NUMBER>
MBL PAST 0101 1234
Send to 9060

3. Deactivation of Visa Card

Via this facility, customer can deactivate the VISA Debit Card in case of lost or stolen.
Example: MBL DCTCARD <BR CODE>space<LAST 4 DIGITS OF VISA CARD NUMBER>
MBL DCTCARD 0101 4321 Send to 9060

SMS BANKING PROCESS

4. Activation of Visa Card

Via this facility, customer can activate the previously deactivated Card.
Example: MBL ACTCARD <BR CODE>space<LAST 4 DIGITS OF
VISA CARD NUMBER>
MBL ACTCARD 0101 4321 Send to 9060
Note: For 1st time Visa Card Activation, customer must contact the
call center as per existing SOP.

HOW

TO BLOCK SMS BANKING

SERVICE?

Blocking of SMS BANKING Service

If you do not like to avail the SMS BANKING Service, just sent the below mentioned
characters at 9060 and it will get blocked.
Example: MBL BLKPULL <BR CODE>space<LAST 4 DIGITS OF T-24 ACCOUNT
NUMBER>
MBL BLKPULL 0101 1234 Send to 9060

SMS ALERTS SERVICE

CHARGES

SERVICE CHARGES :

Meezan Bank offers this service free of charge whereas mobile

companies are currently charging Rs 1.20/- inclusive of all taxes for
every SMS sent on 9060 which is their fees.
This amount could change as it is under mobile company's domain.

INTERNET BANKING SERVICE

Log on to a Smarter Way to Bank In Account
Services:-

Internet Banking
Feature

Meezan Internet Banking is the smarter way to bank, providing

you global access to your account 24 hours a day, 7 days a
week.
View account statement
Fund Transfer
Utility Bill Payments
Top Up payments.
Balance inquiry of multiple accounts
Real time cheque status and stop payment request
Cheque book and pay-order request
Lodging and tracking status of complaints
Account activity alerts

Utility Bill
Payment
SSGC
KESC
PTCL
IESCO
SNGPL
HESCO

Mobile TopUp
service
Prepaid:
Ufone
Moblink
Telenor
Zong
Postpaid:
Mobilink
Ufone
Telenor
Zong

Non-Financial
Service
Funds Transfer
Account Statements
Cheque book Request
AMIM Transaction

 Internet

Banking Registration:

Quick Registration
Normal Registration

Quick Registration
Eligibility

You must have an active Meezan Bank ATM/Debit Card

(Visa or non-Visa) and a valid ATM PIN.
It is essential that your current Mobile number must be
registered in our records.

Normal Registration Form

Registration
Normal Registration
Quick Registration
Normal
Registration

24-09-2011

Charges
Free

Complains
IB Indemnity not updated / approved
IB Pin generation URL not received
IB complain

3rd Party Fund Transfer

feature &

Process Flow
Alternate

Distribution Channel has launched

of 3rd Party Fund Transfer facility on Meezan
Bank's Internet Banking Channel .
This service will allow all our Internet Banking
customers to transfer funds from their Meezan
Bank account to any other (3rd party)
Meezan Bank account within the limit of
100,000 per day.
Its a free of charge service which will really
value-added services. The click of a mouse will
replace the need of Cheque Books, Pay
Orders and Cash.

INTERNET BANKING FEATURE &

PROCESS
Your participation in the promotion of 3rd Party Funds
Transfer is really essential. The more customers can
use this service instead of checks & on-line, the more
it will reduce rush in your branches & teller lines.

INTERNET BANKING FEATURE &

PROCESS

3rd Party Fund

Transfer:

3rd Party Fund Transfer facility service is: free (no charges applicable)
fast (transfers are done in real-time),
secure (funds can only be transferred to
registered beneficiaries) , and
convenient (can be availed anytime anywhere in
the world).

3rd Party Fund Transfer

Process

Meezan VISA Debit Card

Shariah compliant and

completely HALAL Debit Card by
Meezan Bank Limited, powered
by the global acceptability of
VISA for cash withdrawal and
purchases, all over the world.

Key Features

Accepted at over 30 million outlets displaying the

VISA logo both in Pakistan and internationally
Accepted as a Debit Card at all POS terminal of
VISA (be it for credit or debit cards of any bank
displaying VISA logo)
Accepted at all ATMs of 1Link/MNET in Pakistan
and 1.4 million ATMs internationally displaying
PLUS logo
PIN based transaction for ATMs and signature
based transaction for shopping
VISA Silver Card, VISA Gold Card & Platinum
Debit with different limits

Utility Bill
Payment
SSGC
KESC
PTCL
IESCO
SNGPL
HESCO

Mobile TopUp
service
Prepaid:
Ufone
Moblink
Telenor
Zong
Postpaid:
Mobilink
Ufone
Telenor
Zong

Non-Financial
Service
Funds Transfer
Account Statements
Cheque book Request
AMIM Transaction

Daily Limits

Daily ATM Cash Withdrawal Limit

Meezan VISA Silver Card

Meezan VISA Gold Card

PKR 40,000 per day or equivalent in foreign currency

Meezan VISA Platinum Debit Card

PKR 20,000 per day or equivalent in foreign currency

PKR 100,000 per day or equivalent in foreign currency

Daily POS (Shopping) Limit

Meezan VISA Silver Card

PKR 50,000 per day or equivalent in foreign currency
Meezan VISA Gold Card
PKR 100,000 per day or equivalent in foreign currency
Meezan VISA Platinum Debit Card
PKR 300,000 per day or equivalent in foreign currency

Bank Charges on Transactions

Meezan VISA Debit Card used for shopping at a
local POS terminal: FREE
Meezan VISA Debit Card used for shopping at a
international POS terminal: Charges will be applied in this

SOC

Meezan VISA Debit Card used for cash at Meezan

Bank ATM: FREE
Meezan VISA Debit Card used for cash at
1Link/MNET member bank in Pakistan: PKR 15
per transaction.
Meezan VISA Debit Card used for cash at VISA
PLUS ATM internationally: PKR 300 per
transaction or 3% of amount whichever is higher

Inter Bank Funds Transfer

Facility (IBFT).
Inter

Bank Funds Transfer

Facility (IBFT).

Using MBL country-wide ATM network, our ATM card holders can transfer funds into
accounts of the following banks: 1. Allied Bank Limited
3. Bank Alfalah Limited
5. Bank al Habib
7. Burj Bank Limited
9. Dubai Islamic Bank
11. Habib Bank Limited
13. KASB Bank Limited
15 Samba Bank
17. Sindh Bank
19. Standard Chartered Bank
21. Tameer Bank

2.
4.
6.
8.
10.
12.
14.
16.
18.
20.
22.

Askari Bank Limited

Bank of Punjab
Bank Islami Bank
Citi Bank
Faysal Bank Limited
JS Bank
NIB Bank Limited
Silk Bank
Soneri Bank Limited
Summit Bank
United Bank Limited

Inter Bank Funds Transfer Facility

(IBFT). Flow

Inter Bank Funds Transfer Facility

Criteria & Charges

Maximum daily sending limit is PKR 100,000 per day per

customer.
Rs. 30 per IBFT transaction will be charged from
customer account as IBFT fee. Rs. 4.80 will be charged
as FED.

Annual Renewal Charges

Meezan VISA Debit Silver Card

Meezan VISA Debit Gold Card

Absolutely free if customer meet the criteria of Premium

Banking Segment.

Replacement Charges for both Gold and Silver card

PKR 600 per year

Meezan VISA Platinum Debit Card

PKR 350 per year

PKR 150 (Changed there and then)

Meezan Kids & Teens VISA Debit Card Annual

Charges

FREE for first year

Rs. 350/- per annum for subsequent years

Debit Card Issuing Criteria:

Platinum Debit Card Issuing Criteria:

Visa Platinum Debit Card issue facility customer can
avail if he maintain PKR Three Million Maintain in
Current Account.
Or 3 million in TDR & 2 Million in CASA.
Gold Card Issuing Criteria:
At the time of Visa Gold Card Application PKR 100,000
or more should be available in customers account.

24/7 Call Center 111-331-331,111331-332

24/7 Call Center 111-331-331,111331-332

Feature:

Balance Inquiry
Stop Payment
Pay Order
Cheque Book Request
ATM Re-issuance in sense of expiry, lost case, Blockage,
Transfer from Silver to Gold card
Apply for Platinum Visa Debit Card

For faster processing

Complains Absolutely free service

Channel

Advantages
Support

function for branches

Absolutely free service
Information source for both internal and
external customers
24/7 convenience channel for both
potential and existing customers
Support unit for ATM/Debit card production
and email support (for internet banking
users)
Channel for faster processing

Basic Functions
For

Potential Customers

Islamic Banking knowledge and queries

Product Knowledge for both branch banking,
consumer and liability products
Lead generation and business development for Car
and Housing Finance

For

Existing Customers

Card activation and blocking/new card request and

PIN generation.
Branch banking assistance and requests for routine
activities (i.e. cheque book, payment order etc)
Online assistance and complaint lodging for all
products

Thank you
&
Allah
HAFIZ