CATEGORY REFERENCE

Bank Transfers Built Around Pakistani Bank Rails

Send money straight from your Pakistani bank account and we credit your ar888 balance as soon as Raast or the interbank window confirms the payment, with no wallet...

Raast ReadyIBAN MatchingSame-Day WindowsBank App TransferReference Codes

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What Our Bank Transfer Route Covers

When you pick bank transfer at ar888, you move money from your own account — Meezan, HBL, UBL, Bank Alfalah, MCB or any Raast-linked bank — and we match the payment to your profile using the reference shown on the cashier screen. Raast clears in seconds between supported banks, while standard interbank transfers usually land within the same working day. Your balance

updates the moment our payments desk sees the credit, and the whole transfer trail stays visible on your account afterwards.

Reference code matching
Raast instant rail
IBAN name check

TRANSFER CORNERS

Three Bank Transfer Habits Worth Learning

Bank transfer rewards a little patience, so our cashier is built around three patterns: instant Raast credits, working-day interbank clearing, and references that keep every incoming amount tied to the right account.

INSTANT RAIL

Raast Instant Transfers

Raast moves money between supported Pakistani banks in seconds, and our cashier fills the reference for...

SAME-DAY WINDOW

Interbank Clearing Slots

Standard interbank transfers leave your bank in batches, so we quote clearing in working-day windows and...

MATCHED REFERENCE

Reference Codes That Stick

Every bank transfer you start carries a short reference tied to your profile, which our payments...

BANKING ON MOBILE

Bank Transfer From Your Phone

Your bank app and ar888 sit on the same handset, so you can start a Raast transfer on one screen and watch your balance update on the other without opening...

In-app reference copy

Raast in seconds

Pending badge

Balance refresh

WHEN TRANSFERS STICK

Help While Your Transfer Clears

Transfers occasionally sit unmatched, so our desk handles the cases bank transfer creates: a credit that never appeared, a reference typed slightly wrong, or a bank that holds the payment overnight before releasing it.

Team online

Missing Credit Desk

If your bank shows the payment as sent but nothing has reached your ar888 balance, send us the bank reference and we will trace it with the receiving bank the same working day.

Reference Mismatch

Typed the wrong digits, or left the reference blank? Send a screenshot of your transfer and we will match it manually against your profile so the amount still reaches your balance.

Bank Hold Queries

Some banks release interbank payments the next working morning, so we explain the hold window, keep the transfer marked pending and confirm on chat once our side receives the funds.

HOW WE AUDIT

How We Keep Bank Transfers Accountable

We run bank transfer on visible records rather than promises: every incoming payment is reconciled against a reference, logged on your account, and checked by a payments desk...

Reconciliation Log

Every incoming bank transfer is matched to a reference code and written to a reconciliation log attached to your account...

Statement Checks

When a transfer cannot be matched automatically we ask for a bank statement or transfer screenshot, and only our payments...

Encrypted Records

Bank details and transfer histories on your profile are stored with encryption, and the last digits of a linked account...

Named Bank Rails

We publish the routes we accept: Raast for instant bank-to-bank movement, and standard interbank clearing for banks that batch payments...

Working-Day Windows

Rather than promise instant credit everywhere, we state a clearing window for each rail and update your transfer status as...

Desk Hours in PKT

Our payments desk answers bank transfer questions through live chat and email during Pakistan Standard Time hours, with heavier reconciliation...

Our Bank Transfer Against The Usual Route

Put our bank transfer beside the typical route and the differences show up in the details: who fills the reference, what we say about timing, and how quickly...

Who Fills the Reference

The reference is generated on our cashier page and copied alongside your transfer details, while the usual route leaves you writing a code from memory into your bank app.

Timing Promises

We quote Raast in seconds and interbank transfers in working-day windows, instead of promising instant credit that your own bank may not deliver on a busy afternoon.

Raast Reach

Any Pakistani bank account connected to Raast can fund your ar888 profile, so you are not tied to a single bank's wallet app or to a branch visit.

Pending Visibility

A transfer in progress carries a pending badge on your account, so you always know that the money has left your bank but has not reached us yet.

Rupee Handling

Your transfer arrives in rupees and is credited in rupees, with no conversion step sitting between your bank statement and the ar888 balance you see on screen.

Support Route

You reach our own payments desk on live chat and by email, rather than opening a ticket with a third-party processor and waiting for a forwarded reply.

Your Transfer Trail

Every bank transfer you send stays listed with its reference, date and the amount we credited, which keeps your own month-end bookkeeping straightforward.

WHY TRANSFER WORKS

Six Things That Define Our Bank Transfer

Six details set our bank transfer apart from a plain bank-to-bank payment, and each one exists for a reason you will notice the first time you fund your...

Raast-First Cashier The cashier leads with Raast because instant bank-to-bank movement suits...

On-Screen Reference Your reference appears on the payment screen while you are...

Rupee Balances Everything is quoted and credited in Pakistani rupees, so a...

Pending Tracker Once your bank sends the payment, your account shows the...

Manual Rescue If a reference is missing, our payments desk matches the...

Transfer History Past bank transfers sit in one list on your profile...

Bank Transfer Questions We Hear Weekly

Any bank account linked to Raast works, including Meezan, HBL, UBL, Bank Alfalah, MCB and Allied, and the cashier accepts standard interbank transfers from the rest of the Pakistani banking network.

Raast transfers usually clear in seconds, while a standard interbank transfer sent after the cut-off lands on the next working day, and your account shows pending until it arrives.

The reference ties the money in your bank transfer to your ar888 profile, so our payments desk can credit the correct account without asking you to explain the payment later.

Yes, as long as the account is in your name or your bank confirms you as a holder, and you keep the reference code attached to the payment when you send it.

We do not add a fee on our side, though your own bank may apply its standard interbank or Raast charges, which appear on your statement rather than here.

Message our payments desk with the reference and a screenshot, and we will trace the payment with the receiving bank and update your account as soon as it lands.