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Pakistan's banking system runs on PRISM (Pakistan Real-time Interbank Settlement Mechanism) and Raast (instant). The country's currency is the PKR. The major banks below handle the vast majority of inbound and outbound SWIFT payments to Pakistan.
Pakistan runs its domestic interbank settlement on PRISM (Pakistan Real-time Interbank Settlement Mechanism) and Raast (instant). International SWIFT payments arrive at one of the major correspondents listed below before being credited via the domestic system.
Top banks in Pakistan: Habib Bank (HBL) (HABBPKKA, Karachi), United Bank Limited (UBL) (UNILPKKA, Karachi), MCB Bank (MUCBPKKA, Lahore), Allied Bank (ABL) (ABPAPKKA, Karachi).
Habib Bank (HBL) — SWIFT/BIC HABBPKKA, headquartered in Karachi. Largest Pakistani bank; major remittance receiver.
United Bank Limited (UBL) — SWIFT/BIC UNILPKKA, headquartered in Karachi. Top-three Pakistani bank.
MCB Bank — SWIFT/BIC MUCBPKKA, headquartered in Lahore. Major Pakistani bank with strong corporate base.
Allied Bank (ABL) — SWIFT/BIC ABPAPKKA, headquartered in Karachi. Top-five Pakistani bank.
If you have sent or received a SWIFT payment routed through any of these banks, you can verify it for free on Ohmyfin. Paste the 36-character UETR (from your MT103 or pacs.008 confirmation) into the homepage tracker to see the latest available SWIFT status — settled, in flight, pending compliance, or rejected.
The largest banks in Pakistan include Habib Bank (HBL), United Bank Limited (UBL), MCB Bank, Allied Bank (ABL).
Habib Bank (HBL)'s primary SWIFT/BIC is HABBPKKA (head office in Karachi). Branches use 11-character extensions of this code.
PRISM (Pakistan Real-time Interbank Settlement Mechanism) and Raast (instant)
Paste the UETR into the Ohmyfin tracker. You will see the latest available SWIFT status in seconds — including which correspondent bank in Pakistan (or the international intermediary) is currently holding the payment.
No card needed. Free for ordinary users — 5 IP-based lookups per day, plus 100 credits instantly when you sign up with email. Use them on any international wire across 11,000+ banks.
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