Electronic Funds Transfer
Sending money made simple
Electronic Funds Transfer (EFT) allows customer to transfer money from one bank account to another either within same or to any other financial institution using Alternate Delivery Channels (ADCs) such as POS terminals, ATMs, mobile banking, internet banking, branchless banking platforms, PRISM/RTGS and any other channel as and when permitted by SBP.
Type of Transactions
- Soneri Account to Account Funds Transfer (within relationship)
- Soneri Account to Account Funds Transfer (across relationship)
- Inter Bank Funds Transfer (1Link member banks)
- Raast Person to Person Funds Transfer
- QR Based Transfers
EFT Channels
Soneri Bank is offering Electronic Funds Transfer facility to its valued customers through the following channels:
- Soneri ATMs
- Soneri Internet Banking
- Soneri Digital Banking
- RTGS through PRISM (real time transfers)
EFT Daily Transaction Limit
Your Soneri Debit Card is an instrument which can be used for Electronic Funds Transfer.
Following are the channel wise EFT Daily Limits (PKR):
| Transaction Type | Product Type | ||
| Master Card | PayPak | ||
| Silver | Gold | ||
| ATM Cash withdrawal | 50,000 | 100,000 | 50,000 |
| ATM Cash withdrawal International | 150,000 | 300,000 | – |
| ATM FT | 250,000 | 500,000 | 250,000 |
| ATM IBFT | 250,000 | 500,000 | 250,000 |
| Digital Banking FT | 250,000 | 500,000 | 250,000 |
| Digital Banking IBFT | 250,000 | 500,000 | 250,000 |
| POS Local | 50,000 | 100,000 | 50,000 |
| POS International | 150,000 | 300,000 | – |
FT Transaction Service Charges
For details related to service charges applied on Electronic Funds Transfer, please visit
Lost or Theft Reporting
In case of loss/theft of a payment instrument (e.g. Soneri Debit Card) and credentials (e.g. Digital Banking Username & Password, ATM PIN), please report to Soneri 24/7 helpline immediately on following number:
- 021-111-766-374
EFT Dispute Resolution
For reporting any dispute related to your Electronic Fund Transfer generated from any ADC channel or to provide us with your valuable feedback on Electronic Funds Transfer you can contact us through any of the following channels:
- Call our 24/7 helpline: 021-111-766-374
- Write to us at: Soneri Bank Limited, Customer Experience (CE),
- 1st Floor, Al-Rahim Tower, I.I Chundrigar Road, Karachi, Pakistan.
- Email us at: [email protected]
- Fax us at: 021-32441706
- Visit any Soneri Bank branch for lodgment of Complaint.
Please provide the following information in your communication:
- Date of complaint
- Name of complainant
- Telephone / Mobile Number
- CNIC / Account Number / Card Number
- Mailing Address
- Branch Name
- Supporting Documents
You should expect to receive
- Same day acknowledgment of the complaint
- Complaint closure intimation provided after the complaint resolution.
- An interim response after 07 working days, in case your complaint requires further investigation.
In case of unsatisfactory resolution of your complaint, you may write to Banking Mohtasib Pakistan, Shaheen Complex, M.R. Kiyani Road, Karachi.
Tel: +9221-99217334-38 Or visit www.bankingmohtasib.gov.pk
Disclosure of Account Information to Third Parties
We will disclose information to third parties about your account or the transfers you make:
- When it is necessary to complete the transaction;
- In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
- In order to comply with government agency or court orders or other legal process;
- If you give us your prior written permission.