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Raast is Pakistan's first instant payment system that will enable end-to-end digital payments among individuals, businesses and government entities within seconds. Not only that it will help bring down the high cost of the transactions making small-value retail payments cheap.
Raast Tutorial
Frequently Asked Questions
- What is RAAST?
RAAST is Pakistan’s first instant payment system that will enable end-to-end digital payments among individuals, businesses, and government entities seamlessly.
This service is now available for individuals with bank accounts to seamlessly transfer funds to other individuals with bank accounts.
- Why should I use RAAST?
RAAST will connect you with every bank. RAAST offers a simple, fast, secure and convenient way to transfer money from one bank account to another.
- How do I start using RAAST?
You can start using RAAST through banks that have connected on the RAAST network. Please reach out to your bank to see if they are offering RAAST.
- What is RAAST ID?
RAAST ID is a simple identifier (currently mobile number) that you link with your bank account. Instead of sharing bank account numbers, you can now share your RAAST ID with others and start receiving funds in your linked account.
- Do I need a bank account to use RAAST?
Yes, you need to have an account with a bank or any other payment service provider to connect it with RAAST.
- Do I need to register a RAAST ID to use RAAST?
Yes, you will need to register your RAAST ID if you wish to receive payments on your RAAST ID (e.g. phone number).
However, you do not need to register to start sending payments to other RAAST IDs and IBANs.
- Can I register multiple RAAST IDs and / or multiple accounts against a RAAST ID?
Currently, an individual can only register one RAAST ID with one linked account (regardless of the number of bank accounts or mobile numbers they may have).
- Can I change my linked bank account against my RAAST ID?
Yes, you can un-link your RAAST ID from your current bank account and can re-link this RAAST ID with another bank account. For further details please contact your respective bank.
- How can I modify / delete my RAAST ID or my consumer details?
Please reach out to the bank used for your RAAST ID registration for RAAST ID modification / deletion.
- What are the charges for sending and receiving funds using RAAST?
In spirit to promote financial inclusion in Pakistan, currently there are no charges on RAAST transactions.
- Can RAAST be used to make international transactions?
No, RAAST is currently activated for only local transfers within Pakistan.
- Are payments made via RAAST safe?
Yes, RAAST offers reliable, state of the art security features to ensure payments are protected and secure.
- Should I receive an SMS / Email once a transaction is complete?
Yes, successful transactions should be notified via SMS / email by your bank.
- How can I register complaints with reference to RAAST transactions?
There is a well-defined procedure to register complaints related to RAAST. Please raise any concerns / issues / queries with your bank’s existing customer support / helpline directly.
- What is the limit for Raast Transfers?
Raast P2P per day Transaction Limits in PKR Channel Transaction Limits Over the Counter (OTC) Any BAHL Account 250,000 Any other Bank Account 250,000 Net Banking/Mobile Banking Any BAHL Account Aggregate limit for both channels within BAHL & Other Banks 500,000 Any other Bank Account - What are the channels to transfer funds via Raast?
RAAST is available for payments via AL Habib Netbanking, AL Habib Mobile App & Over the Counter at all Bank AL Habib branches Free of Cost as compared to IBFT on which charges are applicable.
- How do I transfer funds via Raast?
Customer can visit any BAHL branch and fill out debit authority form to transfer funds via Raast or make payment via AL Habib Netbanking / AL Habib Mobile App.