How to Pay Your Bills Online? [Guide]

End of the month brings with it the hassle to pay bills. The good news is that now you don’t have to stand in queues to pay your utility, mobile and internet service bills anymore. Numerous banks are now offering online bill payment with which you can pay bills online with convenience and without any extra costs. Following are the details of top banks which offer this service, including the procedure and the services covered by each bank.

United Bank Limited (UBL)

UBL NetBanking offers you a simple, secure and convenient way to manage your bill payment. The prerequisite is to have a UBL account and an email address which has been updated at your UBL branch. Then sign up for an online account at their website and after you get an activation email, you can login to your account and avail a TPIN (Transaction personal identification number) which will be emailed to you.

Standard Chartered (SCB)

The bank’s online banking system allows you to pay bills online. You have to register for online banking using your debit or credit card number. After you log in, you just need to go to “Bill payments” and select “Pay Bill” option. There are no extra charges for using this service.

Muslim Commercial bank (MCB)

If you are a MCB Bank account holder and also have MCB Visa Debit Card, you can get registered for MCB Internet Banking by visiting their website. After logging into your account, go to Bills Payment, Register Biller, add New Biller. Select your Biller from the drop down list. For paying the bill, go to Bills payment and then Pay Bill. Select the utility from the ones you registered. You will receive a confirmation email when you are done.

Habib Bank Limited (HBL)

HBL offers the facility of online bill payment for utility bills and mobile post-paid bills after your make an online banking account, a process that is similar to other banks.

Askari Bank (AKBL)

The bank’s INet banking requires the users to register and log in, and includes a convenient user guide with a slideshow including the screenshots of the payment process of each bill, whether it’s utility (electricity or gas) mobile or internet services.

Bank Al Falah

The bank’s online bill payment service is easy to use, and it allows you to pay bills to any of their listed billing companies, mobile companies and internet service providers. You can pay the electricity and gas bills by entering the account number or consumer bills mentioned on the physical bills. For internet service providers, you will need the Customer ID and to pay EVO online by entering the MDN number.

Allied Bank (ABL)

Although the bank doesn’t cover the whole range of utility companies when offering the online bill payment services, it includes the major ones like KESC and SSGC and most of the Telco companies. The prerequisite is making an account on ‘Allied Direct.’

Faysal Bank (FBL)

Faysal Bank also offers the service to pay bills online through Mobit (mobile internet banking). From mobile payments to some selected utility companies and internet service providers, you can utilize the services but they are not free of charge. Also, on every transaction you perform on Mobit, you get a free alert on your registered mobile number or email address.

Details of Services Offered by Each Bank in Pakistan:

Bill Type UBL SCB MCB HBL AKBL Al-Falah ABL FBL
Utility KESC

KWSB

SSGC

SNGPL

HESCO

IESCO

FESCO

QESCO

PESCO

MEPCO

AJKED

WASA

LESC

KESC
KWSB
SSGC
SNGPL
LESCO
GEPCO
HESCO
IESCO
PESCO
QESCO
FESCO
MEPCO
MWASA
WASA
CDGK / KMC
PTCL
IESCO
LESCO
MEPCO
GEPCO
SEPCO
PESCO
FESCO
QESCO
HESCO
K-Electric
NGPL
SSGC
GWASA
LWASA
RWASA
FWASA
CDGK
KWSB
KESC

GEPCO

LESCO

FESCO

HESCO

IESCO

MEPCO

PESCO QESCO LWASA PTCL SNGPL SSGC

PTCL
KESC
LESCO
SSGC
SNGPL
GEPCO
IESCO
K-Electric

LESCO

GEPCO

HESCO

SNGPL

SSGC

KESC

LESCO
PTCL
SNGPL
SSGC

LESCO KESC SNGPL
SSGC
Mobile Zong

Warid

Ufone
Telenor
WaridZong
Mobilink
Ufone
Mobilink
Zong
Telenor
Warid 
Warid

Ufone

Telenor Mobilink

Ufone

Warid

Telenor

Telenor

Ufone

Warid

Zong

Mobilink

 

Telenor

Ufone

Warid

Zong

Mobilink

Ufone

Warid

Telenor

Zong

 

ISP Wi-tribe

·

Wi-tribe

Wateen

PTCL Evo

 

Wi-tribe

PTCL Evo

PTCL Evo PTCL Evo Wateen

Qubee

Witribe

PTCL Evo

Wateen

Witribe

PTCL Evo

Wateen

Witribe

PTCL Evo


  • i am paying bills (LESCO, PTCL , SNGPL some time mobile top ups as well) online from past two years and very happy with it except two time i faced issue with online transaction which were sorted afterwords.

    • What was the issue..? Did the bill go unpaid even after your were charged? That’s my worst fear with online billing!

      • yes that happened with me one time but usually it happens that i paid bill today but due to some issue payment was not successful at merchant level and after two days bank will reverse the payment and i have to pay again so not a big deal but it is suggested always pay at least 1 week before due date to avoid any issue.

  • I have been paying my SNGPL & IESCO bills via UBL Netbanking for more than a year now. I am also paying Beaconhouse fees from UBL netbanking as well. no more going to the banks and waiting in the line :)

  • Also do mention UBL is the expensive one & the stupid one in terms n Internet bank. you have to subscribe for separate packages fro transactions.

    Alfalah & Mezaan are good & free internet banking.

    Faysal also good but you must have 50K to open account..

    • MCB is good, just have to pay annual ATM fee, internet banking always remained free (till now, never know about future).

  • This online system is very old in pakistan, I am paying from 2 year. I don’t know from how much time this system is working in pakistan.

  • This is quite old now. I pay all kinds of bill online automatically as soon as bill arrives I get the confirmation that your so and so bill have been paid.

  • مفید معلومات کے لیئے شکریہ۔ بہت سے لوگوں کو اس سہولت بارے معلوم نہ ہوگا۔ اب ایک قدم اور اٹھائیں اور بتائیں کہ کون سے بینک کریڈٹ کارڈ سے انٹرنیٹ پر ڈالر وغیرہ میں ادائگی کرتے ہیں اورکون سے بینک سب سے کم فیس چارج کرتے ہیں۔

  • Using Allied Direct, without any problems for the past few months. However, be cautious when using netbanking. There are a lot of phishing campaigns around where hackers ask for sensitive financial data in emails. SCB got hit with a serious scam few months back, where hackers, portrayed themselves as SCB officials, emailed customers and asked them for Debit Card no., TPIN, CNIC and stuff. So, be careful!

  • Please correct your information as MCB is not Muslim Commercial Bank anymore. it is MCB Bank Limited now.

    Soneri Mobile banking is also doing well.

  • Which bank is best in Pakistan in term of E-Banking like online payments, mobile top up, online pay order or fund transfer and most important mobile app.


  • >