Soneri Mobile Banking App


In an era of digitization the usage of Mobile phones especially Smart Phones is increasingly at rapid space .Mobile first approach has made people to use APPs on Smart Phones against usage of website through their Desktops. Keeping in mind customers need Soneri Bank always derives innovative solutions to strengthen their customer relationship via our brand proposition of ‘Roshan Har Qadam’. In this continuation a full bundle packaged Mobile APP is launched. Soneri APP can be used on all Android & IOS smart phones / Tablets.

A complete suite of transactions is available on the APP. Soneri APP provide the transactional suite which includes Account & Balance Inquiry, Card management and s statement, Account Statement, Funds transfer both local i.e ( within bank ) and between switch member banks i.e ( Interbank ) , Bill Payments like utilities , Telco’s Top-ups, Airline and online shopping . Soneri APP can be used on all Android & IOS smart phones / Tablets.


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  • View your balance of account
  • View your Statement of Account online or download them in printable format
  • View Card Details
  • View your Card Statement
  • Link your FCY Account with your MDC and view Balance & Account Statement
  • Cheque Book Request
  • Account E-Statement Request
  • Temporary Block your existing active MDC and get it re-activated by phone banking
  • You can pay the utility bills for yourself and your dear ones
  • Transfer Funds 24/7 from Soneri APP
  • You can schedule your Bill Payments & Funds Transfer
  • Receive SMS ALERT on your financial transactions done from Soneri APP. (For SMS ALERT Registration, Please call at 111-SONERI (766374) or contact your Bank Branch)

Fund Transfer:

    • Transfer funds to any Soneri bank account
    • Transfer funds to any 1-LINK participating member bank’s account

Bill Payment:

    • Telecom/Mobile : MOBILINK (Prepaid and Postpaid), Warid (Prepaid and Postpaid), Ufone (Prepaid and Postpaid), Telenor (Prepaid and Postpaid), Zong (Prepaid and Postpaid), PTCL Normal Land Line, PTCL Defaulter Corporate, EVO Postpaid, EVO Prepaid, PTCL VFONE
    • Water: KWSB
    • Others:, Shaheen Airline, Beacon House School System, Tax payment
    • KuickPay : It is a convenient billing platform for many educational institutions, welfare payments, online website payments, and the like. For kuickPay available merchants please Click herenew
    • e-IPOs : To facilitate the process of applying for subscription of securities offered for sale through Initial Public Offerings (IPOs), the Central Depository Company of Pakistan Limited (CDC) has developed an e-IPO system. To check who can apply through e-IPO Click herenew


View history of your Soneri APP & Internet Banking activities using History Menu (for the requests sent using Soneri APP & Internet Banking Only) It includes:

  • Funds Transfer History
  • Bill Payment History
  • Login History

Kuickpay available merchants

  1. Hamdard University
  2. Civilizations Public School
  3. Progressive Secondary School
  4. Knowledge Junction School
  5. Beacon Light Academy
  7. Hamdard Public School
  8. Saylani Welfare Trust

Who can apply through e-IPO?

For making subscription application through the e-IPO portal, an investor must:

  • register themselves on the e-IPO portal.
  • be a citizen of Pakistan (whether resident or non-resident)
  • possess a CDS account (investor or sub account)
  • have a valid CNIC
  • have an active email address
  • have a bank account
  • apply as an individual


Means the Application(s) for the Service on form(s), as may be prescribed by the Bank from time to time read together with these Terms and Conditions of Service. The Application, as may be prescribed, modified or substituted by the Bank from time to time, shall be deemed to be an integral part hereof by incorporation, as if specifically annexed hereto.


Means any Application(s) on form(s) prescribed by the Bank for any of the Services, as may be prescribed, modified or substituted by the Bank from time to time, which shall be deemed to be an integral part hereof by incorporation, as if specifically annexed hereto.


Means Soneri Bank LTD and its pertinent branch in Pakistan.

Banking Services

Means the services, products, and facilities which may be offered by the Bank through the Mobile APP (Soneri APP) from time to time (as may be withdrawn, added to or modified by the Bank in its discretion), but shall not include any drawing or borrowing limits for availment of financial facilities.

Applicability of Terms

These Terms form the contract between the Customer and Soneri Bank LTD for Soneri APP. The Customer shall apply to Soneri Bank LTD in the prescribed form for use of Soneri APP. Soneri Bank LTD shall be entitled at its sole discretion to accept or reject such applications. By applying for Soneri APP for the first time, the Customer acknowledges and accepts these Terms.

Soneri Mobile APP Admission

The Customer would be assigned an Activation Code by Soneri Bank LTD. On activation, the customer will be required to select a password for subsequent access. The Customer will be advised to change the password on a frequent basis.

Password Security

The Customer irrevocably unconditionally undertakes to ensure that the password is kept confidential; and to not let any unauthorized person have access to the Mobile while the Customer is accessing the Soneri APP.

If The Customer

Customer forgets the Soneri APP password; he/she may reset his/her password via ATM & IVR. Failing to specify the correct information the customer shall have to register afresh.
The Customer agrees and acknowledges that Soneri Bank LTD shall in no way be held responsible or liable if the Customer incurs any loss as a result of information being disclosed by Soneri Bank LTD regarding his Account(s) or in carrying out the transaction of the Customer pursuant to the access of the Soneri APP and the Customer shall fully indemnify and hold Soneri Bank LTD harmless in respect of the same.
The Customer shall maintain the secrecy of all information of confidential nature and shall ensure that the same is not disclosed to any person voluntarily, accidentally or by mistake.

Illegal Access

The Customer shall take all necessary precautions to prevent unauthorized and illegal use of Soneri APP and unauthorized access to the Accounts provided by Soneri APP.

Funds Transfer through Soneri Mobile APP

Soneri Bank LTD shall specify from time to time the limit for carrying out various kinds of funds transfer or bill payments through Soneri APP. The said facility will be provided in accordance with the arrangement between Soneri Bank LTD and the customer and as per conditions specified by Soneri Bank LTD from time to time. Soneri Bank LTD shall not be liable for any omission to make all or any of the payments or for late payments for whatsoever cause howsoever arising.

Accuracy of Information

The Customer is responsible for the correctness of information supplied to Soneri Bank LTD for use of the Soneri APP. Soneri Bank LTD accepts no liability for any consequences whether arising out of erroneous information supplied by the Customer or otherwise.
If The Customer notices an error in the information supplied to Soneri Bank LTD either in the registration form or any other communication, he/she shall immediately advise Soneri Bank LTD in writing so as to allow Soneri Bank LTD the ability to correct the error wherever possible on a “reasonable efforts” basis.

Execution of Instructions/Transactions

All transactions under Soneri APP shall be carried out through the Mobile by the Customer in the manner indicated by Soneri Bank LTD. is also responsible for the accuracy and authenticity of the Transactions carried out by him through the Soneri APP.

The Customer is also responsible for the accuracy and authenticity of the Transactions carried out by him through the Soneri APP.

Soneri Bank LTD shall not be required to independently verify the any Transaction; as it is effective as soon as the transaction is carried out over the Mobile. Soneri Bank LTD shall have no liability if it does not or is unable to stop or prevent the implementation of any transaction.

Soneri Bank LTD states that they have no liability or obligation to keep a record of the transactions to provide information to the Customer or for verifying Customer’s transactions. Soneri Bank LTD may refuse to comply with the transaction/instructions without assigning any reason and shall not be under any duty to assess the prudence or otherwise of any transaction and have the right to suspend the operations through the Soneri APP if it has reason to believe that the Customer’s transactions will lead or expose to direct or indirect loss or may require an indemnity from the Customer before continuing to operate the Soneri APP.
The Customer shall be free to transfer funds for such purpose as he shall deem fit. The Customer however agrees not to use or permit the transactions or any related services for any illegal or improper purposes.


The Customer acknowledges that in case any third person obtains access to the account access information, he/she would be able to transfer fund and any other transactions. The Customer ensures that the terms and conditions applicable to the use of the password are complied with at all times.

The Internet is susceptible to a number of frauds, misuse, hacking and other actions that could affect transaction. Whilst the Bank shall aim to provide security to prevent the same, there cannot be any guarantee from such Internet frauds, hacking and other actions that could affect the fund transfer or any other payments. The Customer separately indemnifies the bank against all risks arising out of the same.

The transfer of funds to third party accounts would require proper, accurate and complete details. The Customer would be required to fill in the account number of the person to whom the funds are to be transferred. In the event of any inaccuracy in this regard, the funds may be transferred to incorrect accounts.

The transaction(s) for transfer of funds may not be completed for some reasons. In such cases, the Customer shall not hold the Bank responsible in any manner in the said transaction(s) and contracts and the Customer’s sole recourse in this regard shall be with the beneficiary of the transaction.
The technology for enabling the transfer of funds and other services offered by Soneri Bank LTD could be affected by virus or other malicious, destructive or corrupting code, program or macro. It may also be possible that the website of the Bank may require maintenance and during such time it may not be able to process the request of the Customers. This could result in delays in the processing of transactions or failure in the processing of transactions and other such failures and inability.

The Customer understands that the Bank disclaims all and any liability, whether direct or indirect, whether arising out of loss of profit or otherwise arising out of any failure or inability by the Bank to honor any Customer transaction for whatsoever reason. The Customer understands and accepts that the Bank shall not be responsible for any of the aforesaid risks and the Bank shall disclaim all liability in respect of the said risks.

Liability of the Customer

Soneri Bank LTD shall not be liable for any unauthorized transactions occurring through the Soneri APP and the Customer hereby fully indemnifies and holds Soneri Bank LTD harmless against any action, suit, proceeding initiated against it or any loss, cost or damage incurred by it as a result thereof.

Soneri Bank LTD shall under no circumstance be held liable to the Customer if the Soneri APP is not available in the desired manner for reasons including but not limited to natural calamities, legal restraints, faults in the telecommunication network or network failure, or any other reason beyond the control of Soneri Bank LTD. Under no circumstances shall Soneri Bank LTD be liable for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the Customer or by any other person.

The Customer undertakes to comply with all applicable laws and regulations governing the account of the Customer. For the avoidance of doubt, the governing law is the substantive and procedural laws of the Islamic Republic of Pakistan.


The Customers hereby authorizes Soneri Bank LTD to recover the service charge (if any) by debiting one of the Accounts of the Customer. If funds are not available in the account Soneri Bank LTD shall recover the service charge in a manner as Soneri Bank LTD may deem fit along with such surcharge, if any, and/or withdrawal of the Soneri APP without any liability to Soneri Bank LTD.

Applicability To Future Accounts

Soneri Bank LTD and the Customer agree that if the Customer opens further Accounts with Soneri Bank LTD and/or subscribes to any of the products/services of Soneri Bank LTD, and Soneri Bank LTD extends the Mobile APP to such Accounts or products or services and the Customer opts for use thereof, then the Terms shall automatically apply to such further use of the Soneri APP by the Customer.


In consideration of Soneri Bank LTD providing Soneri APP to the Customer, the Customer shall indemnify and hold Soneri Bank LTD, as the case may be, including both their officers, employees and agents, indemnified against all losses and expenses on full indemnity basis which Soneri Bank LTD may incur, sustain, suffer or is likely to suffer in connection with Soneri Bank LTD’s execution of the Customer’s transactions and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses as a consequence or by reason of providing a service through Mobile APP for any action taken or omitted to be taken by Soneri Bank LTD, its officers, employees or agents, on the transactions/instructions of the Customer.
The Customer shall take all necessary precautions to ensure that there are no mistakes and errors and that the information given to Soneri Bank LTD is error free, accurate, proper and complete at all points of time. On the other hand in the event of the Customer’s Account receiving an incorrect credit by reason of a mistake committed by some other Person, Soneri Bank LTD shall be entitled to reverse the incorrect credit at any time whatsoever without the consent of the Customer. The Customer shall be liable and responsible to Bank and accede to accept the Bank’s instructions without questions for any unfair or unjust gain obtained by the Customer as a result of the same.

Disclosure of Information

The Customer agrees that Soneri Bank LTD or their contractors may hold and process his Personal Information and all other information concerning his Account(s) on computer or otherwise in connection with the Mobile APP as well as for analysis, credit scoring and marketing.

Change of Terms

Soneri Bank LTD shall have absolute discretion to amend or supplement or delete any of the Terms at any time and will endeavor to give prior notice of seven days for such changes wherever feasible. Such change to the Terms shall be communicated to the Customer through its website. By continuing to use any existing or new services as may be introduced by Soneri Bank LTD, the Customer shall be deemed to have accepted the changed Terms.


The grant of Soneri APP to a Customer is purely personal in nature and not transferable under any circumstance and shall be used only by the Customer and not by a third party.

Termination of Soneri Mobile APP

The Customer may request for termination of the Soneri APP any time by selecting option from Soneri APP interface and providing the reason for the termination of the APP account. Soneri Bank LTD may withdraw or terminate the Soneri APP anytime either entirely or with reference to a specific service or Customer; or in case of breach of Terms by the Customer without any prior notice; or if it learns of the death, bankruptcy or lack of legal capacity of the Customer.


Soneri Bank LTD may publish notices of general nature, which are applicable to all Customers in newspapers or on its web site. Such notices will have the same effect as a notice served individually to each Customer.


The clause headings herein are only for convenience and do not affect the meaning of the relative clause. Soneri Bank LTD may sub-contract and employ agents to carry out any of its obligations under this contract. Transactions would be carried out on the same day or on the next working day depending upon the time of logging of the transaction. All costs incurred by the Customer including telecommunication costs to use the Soneri APP would be borne by the Customer.

Proprietary Rights

The Customer acknowledges that the software underlying the Soneri APP as well as other Internet related software which are required for accessing Soneri APP are the legal property of the respective vendors. The permission given by Soneri Bank LTD to access Soneri APP will not convey any proprietary or ownership rights in such software. The Customer shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying Soneri APP or create any derivative product based on the software.

Governing Law

These Terms and Conditions, access and use of Soneri Bank LTD Online shall be governed by applicable laws of Pakistan, and both parties to this Contract agree to submit to the jurisdiction of courts in Pakistan. However, Soneri Bank LTD will have the right to pursue its remedies in and outside Pakistan and in the courts of any other jurisdictions which are considered appropriate.


This section provides useful information and answers to your most common questions, if you find any difficulty in using Soneri Mobile APP, please refer to the below before you can get in to the Soneri Mobile APP
Q: I want to use Soneri Mobile APP but have no account with Soneri Bank?

To use Soneri Bank Mobile APP, you require having an account with Soneri Bank which must be linked with the Debit Card Services & registered on SMS alert service, please Visit any of our Branches spread across the country.

Q: I have an account but I don’t have any Soneri Debit Card, Can I avail the Soneri Mobile APP Facility?
You Have to have a Valid Soneri Debit Card to avail the Mobile APP Facility, for which you can simply visit to your Soneri branch and request for the your Soneri Debit Card and it will be mailed to your corresponding address in a very short time.

Q: I had a Debit Card but it is blocked or misplaced, can I use the existing Debit Card for Soneri Mobile APP?
Soneri Mobile APP requires a Valid Soneri Debit Card, you can simply visit your branch and request for your replaced Debit card and it will be mailed to your corresponding address in a very short time.

Q: How Can I get my Mobile APP Activated?
Activate your Mobile APP by visiting any of the Soneri Bank ATMs or by using Soneri phone banking Services +92-21-111-766-374 (use your respective ATM PIN or T-PIN for initial validation)

Q: What should I do, if I forgot my Password or my password is compromised?
You can regenerate your password by using any of the following options

  1. Using Soneri ATM
  2. Using Soneri phone banking Services

Q: Can I View Account Statement?
You can view your Account Statement for last 6 Months or view last 5, 10 ,20 transactions by using Account Statement from Account Menu

Q: Can I View Debit Card Statement?
You can view your last 3 months Via Debit Card statement by using Card statement from Card Menu

Q: Can I Temporary block my Debit Card?
You can temporary Block your Debit Card by using Change card Status option from Card Menu

Q: How can I change my Financial PIN?
You can generate your Financial PIN for your transaction execution through Mobile APP

Q: Can I expire my Financial PIN after I do any transaction?
You can expire your Financial PIN can be used after you have completed the transaction

Q: I want to change my registered e-mail address, how can I do this?
Change Email is used if you want to have a new email account linked with the Mobile APP

Q: Can I change my Secret Answer?
Change Secret Answer can be done using Mobile APP

Q: How can I add Beneficiary for Transfers?
Procedure of Beneficiary addition for Funds Transfer:

  1. Go to Funds transfer Menu & click on “Add Beneficiary” Tab
  2. After Click on “Add Beneficiary” Button a page opens and input the details

Select Beneficiary Type ((a.) Soneri Bank (b.) Other than Soneri)

  1. If Select Soneri Bank:
    • Select Account Type ((a.) Conventional (b.) IBAN)
    • Enter Account Number
    • Enter Beneficiary Nick Name
    • Enter Beneficiary Email (Optional Field)
  2. If Select Other than Soneri Bank:
    • Select Beneficiary Bank Name (e.g. UBL, HBL, MCB etc.)
    • Select Account Type ((a.) Conventional (b.) IBAN)
    • Enter Account Number
    • Enter Beneficiary Nick Name
    • Enter Beneficiary Email (Optional Field)
  1. Click on Next Buttoner
  2. New Page appeared having benefiary details. Mark ( ) at the Box of “Terms and Condition” Line and click on Confirm Button. When you click on Confirm button One Time Password (4 digits on SMS & 4 digits on Email) will receive
  3. A new Page opens:
  4. Enter 4 digits. Mobile Pin (Received on SMS)
  5. Enter 4 digits Email Pin (received on Registered Email)
  6. Click on Submit Button.
  7. Successful beneficiary addition confirmation displayed on screen.

Q: How can I add Bill Payee?

Procedure of addition for Bill Payee:

  1. Go to Bill Payment Menu & click on “Add Bill Payee” Tab
  2. After Click on “Add Bill Payee” Button a page opens and input the details:
  3. Select Bill Payee Type ((a.) Telephone (b.) Electricity (c.) Gas (d.) Internet (e.) Tax Payments )
  4. After selecting any Bill Payee Type a drop down menu of said bill type companies appeared (e.g. For Telephone: PTCL, Warid, etc. For Electricity: KE, LESCO etc. For Gas: SSGS, SNGPL. For Internet: Wateen, Qubee etc.) after selecting the Bill Payee name a drop down menu will open to input consumer number then click on “continue” button.
  5. A page opens having Billing Company name, input the consumer number and click on “Confirm” button.
  6. A page opens have the details (Billing Type, Billing Company, Consumer number) And Mark ( ) at the Box of “Terms and Condition” Line and click on Submit Button. When you click on Submit button One Time Password (4 digits on SMS & 4 digits on Email) will receive.
  7. A new Page opens:
    1. Enter 4 digits Mobile Pin (Received on SMS)
    2. Enter 4 digits Email Pin (received on Registered Email)
  8. Click on Submit Button.
  9. Successful beneficiary addition confirmation displayed on screen.

Q: Are my Bill Payments instantly done?
Unless any error is notified while doing the transaction, your billing amount is debited instantly from your selected account for the Bill Payments

Q: Are funds transfers instantly done?
Unless any error is notified while doing the transaction, the amount is debited from your selected account the payee’s account

Q: What safety measures are taken for the Mobile APP?
In order to secure your accounts and transactions while using Mobile APP, Soneri Bank has ensured the high level protection in terms of hardware, software, SSL certificate, Firewalls and other Security software.