Major Banks in Pakistan

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.

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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.

Key facts

Country: Pakistan (PK)
Currency: PKR
Domestic settlement: PRISM (Pakistan Real-time Interbank Settlement Mechanism) and Raast (instant)
Number of major banks listed: 4
Trackable on Ohmyfin: yes — free via UETR

Frequently asked questions

What are the major banks in Pakistan?

The largest banks in Pakistan include Habib Bank (HBL), United Bank Limited (UBL), MCB Bank, Allied Bank (ABL).

What is the SWIFT code for Habib Bank (HBL)?

Habib Bank (HBL)'s primary SWIFT/BIC is HABBPKKA (head office in Karachi). Branches use 11-character extensions of this code.

How are domestic payments settled in Pakistan?

PRISM (Pakistan Real-time Interbank Settlement Mechanism) and Raast (instant)

How do I track a SWIFT payment to or from Pakistan?

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.

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Major Banks in Pakistan

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