FWBL iBanking allows you to access your FWBL current, savings and other accounts securely over the Internet along with a host of value added and convenient services in a reliable and secure manner.

FWBL Internet Banking is a real-time online banking service, offering a simple, convenient and secure method of accessing your FWBL accounts via the Internet. Through this banking facility you can conduct your financial transactions at your own time, location and convenience, 24 hours a day, 7 days a week. Following are the set of transactions available at FWBL internet Banking

• Account balance inquiry
• Mini-statements
• Account statement for one week, one month and three month
• Transferring funds between your FWBL accounts
• Transferring funds from your FWBL account to other FWBL account holders
• Transferring funds to selected 1-LINK & MNET member banks
• Utility bill payments
• Purchasing mobile phone airtime
• Internet Service Provider Bill Payments
• Lodging of Complaints
• Card Activation / Deactivation
• and much more

FWBL Internet Banking has the following prerequisites: You should be a FWBL account holder Your local cell number must be registered with FWBL Your email address must be updated at FWBL

Visit FWBL.com.pk Go to Internet Banking section and click on the registration button Read the terms and conditions and check the box if you agree to the terms Fill in the following Information: CNIC Date of birth Registered mobile number Mother Maiden Name Username Enter Captcha Select a security image Click on the Submit button On the next screen, customer registered email ID will appear Clicking on the Confirm button An OTAC, One time activation code will be generated.

Visit your FWBL branch and submit a request in writing to add / update your email address and cell number in our Registration Database. Your email address and cell number will be added / updated within 3 business days

OTP is One Time Password. OTP is generated at the time of registration, change/forget password, create beneficiary(s) and Financial Transactions. OTP is received on customer registered cell number and email address

This CAPTCHA is purposely scrambled / twisted; just type the code written on it in the CAPTCHA field given below to it. You can always refresh the CAPTCHA in-case you are unable to read it

You can block your Internet Banking account by calling our Call Center at 021-111-11-3925 or 033-3925-111 from your registered number. After verifying the customer, Call Center agent will un-subscribe/block the Internet Banking account.

You can unblock your account by calling our Call Center at 021-111-11-3925 or 033-3925-111 from your registered number. After verifying the customer, Call Center agent will un-block the Internet Banking account.

Immediately call our Call Center at 021-111-11-3925 or 033-3925 -111 to temporary block your Internet Banking account

Your User ID is confidential and should never be shared with anyone. In case you forget your User ID, please call our Call Centre at 021-111-11-3925 or 033-3925 -111 for assistance.

Your password is confidential and should never be shared with anyone. In case you have forgotten your password, please click the Forgot password link available on the login page. You will receive a new, one-time password on your registered email address and mobile number.

You cannot change your User ID; however you may change your password through the 'Change Password' option available, below your User ID on the Internet Banking page.

Immediately change your password using the 'Change Password' option from the Internet Banking website.

In order to perform different financial transactions, beneficiary creation is required. This is done to better safe guard your Internet Banking account from misuse. For every beneficiary created, a one- time password will be generated and delivered to your registered email address and cell number. Until the one-time password is not entered in the password box, the beneficiary will not be created.

To delete a beneficiary, go to the Beneficiary Management link/ tab and click delete beneficiary. All your added beneficiaries will be available in this menu. Click on the delete button available in front of the added beneficiary.

You cannot have multiple Internet Banking IDs.

NO, FWBL Internet Banking is absolutely Free of Cost and has no charges.

Yes, you can transfer funds between all your accounts linked to your FWBL Internet Banking.

Yes, you need to create a beneficiary in order to transfer funds from your account to any other FWBL account through the following procedure:

• Go to the Beneficiary Management menu
• Click Create Beneficiary
• Select Other FWBL Account
• Enter complete account number with branch code
• Click the GET Button
• Account Title will be auto populated
• Provide the Alias/Nick
• Click Submit button
• A Confirm Beneficiary screen will appear
• Click YES to proceed
• OTP generated to be delivered at your registered email address and cell number
• Enter OTP in the password box
• Click YES button
• Transaction completed
• The added beneficiary will appear under the Other FWBL Accounts facility with internet Banking.

You need to create a beneficiary to perform Inter Bank Fund Transfer transactions through the following procedure:

• Go to the Beneficiary Management menu
• Click Create Beneficiary
• Select Inter Bank Fund Transfer
• Select Beneficiary Bank from drop down
• Enter complete account number
• Click GET Button
• Account Title will be auto populated
• Provide the Alias/Nick
• Click Submit button
• A Confirm Beneficiary screen will appear
• Click YES to proceed
• OTP generated to be delivered at your registered email address and cell number
• Enter OTP in the password box
• Click YES button
• Transaction completed
• The added beneficiary will appear under in the Inter Bank Fund Transfer facility with Internet Banking.

Normally, funds are transferred instantly. In case the credit is delayed by more than a day, please call our Call Center at 021-111-11-3925 or 0331-3925-111 or write to us at customercomplaint@FWBL.com.PK for assistance.

You can transfer funds to any FWBL account as well as 1-Link member banks and MNET. Following is the list of banks:

• Allied Bank
• Meezan Bank
• Askari Bank
• JS Bank
• Sindh Bank
• KASB Bank
• Al Baraka Bank
• Bank Al Habib
• Bank Al Falah
• NIB Bank
• Samba Bank Limited
• Bank Islami Pakistan
• Standard Chartered Bank
• Habib Metro
• Bank of Punjab
• Silk Bank
• Apna Microfinance Bank
• Meezan Bank Limited
• Citi N.A.
• Soneri Bank
• MCB
• Summit Bank
• U Microfinance Bank
• Faysal Bank
• Tameer Bank
• Finca Micro Finance Bank
• Burj Bank Limited
• United Bank Limited
• Waseela Micro Finance Bank LT

Bill payment is our online bill payment service, which allows you to pay bills to any of our listed billing companies, mobile companies, internet service providers.

You can pay bills for the following utilities:

• Electricity
• K-Electric
• LESCO
• GEPCO
• HESCO
• Gas
• SNGPL
• SSGC
• Telecom
• Telenor
• Ufone
• Mobilink
• Warid
• Zong
• Internet Service Provider
• Wateen
• Qubee
• Witribe
• PTCL EVO Prepaid
• PTCL EVO Postpaid

In order to pay your electricity bills, you need to enter the account number printed on the physical bill. Once you have entered the account number, press the GET button. Your bill details will be auto populated. For gas bills, you need to enter the consumer number printed on the physical bill. Once you have entered the consumer number on the internet banking portal, press the GET button. Your bill details will be populated. In order to pay your Internet Service Providers Bill, please enter the Customer ID provided by the Internet Service Provider for Wateen and Witribe. Please enter Customer Number for Qubee. For PTCL EVO Post and Prepaid, please enter MDN number.

Normally, it takes less than 15 minutes to credit your bill at the billing company. In case it has been more than a day, please call our Call Center on 111-11-3925 or 0331-3925-111 for assistance.

You need to create a beneficiary for Mobile Top up transactions through the following procedure:

• Go to the Beneficiary Management menu
• Click Create Beneficiary
• Select Telco Payment
• Select Telco Company from the drop down menu
• Select Prepaid/Postpaid from the drop down menu
• Enter Mobile Number
• Provide Alias/Nick
• Click Submit button
• A Confirm Beneficiary screen will appear
• Click YES to proceed
• OTP generated to be delivered at your registered email address and cell number
• Enter OTP in the password box
• Click YES button
• Transaction completed
• The added beneficiary will become available for payment in Bill Payment under the Mobile Top Up menu.

Following are the per transaction limits for Mobile Top Ups Postpaid:

• Telecom Company Amount Limit Multiples
• Telenor PKR 20 to PKR 5,000 -
• Warid PKR 500 to PKR 20,000 Multiple of 50
• Ufone PKR 500 to PKR 5,000 -
• Zong PKR 20 to PKR 20,000 -
• Mobilink PKR 500 to PKR 100,000 -
• Following are the per transaction limits for Mobile Top Ups Prepaid:
• Telecom Company Minimum Amount Maximum Amount
• Telenor PKR 50 PKR 2,000
• Warid PKR 100 PKR 2,000
• Ufone PKR 200 PKR 2,000
• Zong PKR 50 PKR 2,000
• Mobilink PKR 50 PKR 2,000

You can now pay PTCL Landline/PTCL PSTN and Vfone bills. All you need to do is enter the Account ID printed on the physical bill for PTCL Landline/PTCL PSTN and MDN number for Vfone; enter the same on FWBL Internet Banking. You bill details will appear, simply press the pay button and pay your bill.

A protocol developed for transmitting private documents via the Internet. SSL works by using a private key to encrypt data that is transferred over the SSL connection. Both Netscape Navigator and Internet Explorer support SSL and many websites use this protocol to obtain confidential user information, such as credit card numbers and other financial details

VeriSign is the dominant certificate authority on the internet at present, though many of its certificates are signed as RSA Data Security - a private corporation that acts as a certifying authority and provides certificates.

A term for any device that would prevent undesirables on the global internet from accessing your network. It also often prevents or controls users from getting out to the internet from your local network. A firewall allows only specific kinds of messages from the internet to flow in and out of the internal network. This protects the internal network from intruders or hackers who might try to use the Internet to break into those systems.

Security Tips

The following are simple precautions that customers must take to safeguard security when using FWBL Internet Banking:

Do not disclose your "Login Information" to anyone.

Never reveal your Login Name/ Password to anyone.

If you think someone has discovered your password, call us immediately on 111-11-3925 or 0331-3925-111.

FWBL will in no case ask you to send your login / password through an email.

Do not share your email account with anyone. Your email shall be used to send you a temporary password. Therefore, make sure that you do not share your email account with anyone.

Beware of Phishing Scams & Identity thieves

Phishing is an attempt to criminally and fraudulently acquire sensitive information, such as usernames, passwords and payment card details, by masquerading as a trustworthy entity in an electronic communication. It is a serious offence and is also known as identity theft. Phishing refers to creating an imitation of an existing legitimate web page or the use of email to trick users into providing sensitive personal information.

Control access to your PC & do not use publicly-shared PCs for Internet Banking

Do not allow anyone to install programs on your computer without checking that it is safe to do so.

Do not use publicly-shared PCs for Internet Banking.

Ensure that you are at the FWBL Internet Banking website. Look for the SSL secure connection symbol

Check the website address before signing in.

FWBL uses the latest and strongest cryptographic standards such as SSL (Secure Socket Layer), to protect the information being transferred over the Internet. This symbol will be shown every time you connect with the bank at 128-bit SSL Encryption. No symbol would be displayed if your data is not properly encrypted.

Never store your Login Name/Password on your browser.

Most browsers offer a facility to store your Login Name/Password for your convenience, but it is highly recommended that you should not use this. If you are using Internet explorer you can avoid this feature by simply going to:

• Tools >> Internet Options >> Content
• Uncheck "User names and passwords on forms" and click on "Clear Passwords"
• Click on "OK" to save your settings
• Change your â??Passwordâ? on regular basis

Remember to change your password on a regular basis.

Select a password that cannot be easily guessed or associated with anything personal (for example: names and birth dates). Mix numbers and letters (uppercase & lowercase) to provide additional security.

Keep your computer updated with latest antivirus and firewall updates

In order to protect your computer from virus attacks, you should keep the computer updated with the latest versions of antivirus and firewall updates

Consider buying personal firewall and anti-virus software to provide another level of security between the internet and your computer.

When viewing your personal information, be aware of the environment

While viewing your personal information or performing transactions online, beware of your surroundings. Make sure that no one can see your information while logging in or performing transactions.

Though we have programmed the system to log-out automatically after 12 minutes of inactivity, you should never leave your computer unattended while logged in.

Ensure you have log-out properly by selecting the 'log-out' button at the completion of your Internet Banking Session. Also close your browser after logging out.

Check your account statements on a regular basis

Look out for transactions you don't remember making - or cash that has been transferred unexpectedly from your bank accounts.

Always check your transaction history details and statements regularly to make sure that all details are updated and there are no unauthorized transactions on your accounts.

Take note of your 'last login date and time' whenever you login to FWBL Internet Banking to make sure that there has not been any unauthorized access.

If you do find any suspicious transfers or have any doubts, you should immediately call our Contact Center on 111-11-3925 or 0331-3925-111.