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.