Secure Digital Financial Core
Manage identity details, MPIN, and view account transaction tier:
Verify your biometric face and original CNIC to unlock monthly limits up to ₨ 10 Lakh.
1. Acceptance: By accessing and using NayaBank (Smartvest.tech), users agree to adhere to these Terms & Conditions and local financial guidelines.
2. Account Security: Customers are solely responsible for keeping their 4-digit MPIN and login credentials confidential.
3. Permitted Transactions: Our services, including interbank fund transfers, utility bill collections, mobile top-ups, and Shariah-compliant vaults, must strictly be used for lawful purposes.
4. Regulatory Compliance: NayaBank adheres to AML and KYC guidelines. We reserve the right to review or decline suspicious or unauthorized transactions.
1. Information Collected: We collect user details such as full name, CNIC, mobile number, and transaction logs solely to process financial requests.
2. Data Protection: User financial and personal data is secured using SSL/TLS encryption and protected server protocols.
3. Third-Party Sharing: No personal or transaction data is traded or rented to external third parties, except as required for regulatory compliance or payment processing switches.
1. Utility Bills & Bundles: Payments for bill settlements and prepaid telecom bundles are instant and non-refundable once approved by the utility switch or telecom operator.
2. Failed Transactions: If an account is debited but the payment fails at the recipient gateway, funds will automatically be refunded to the user's primary wallet within 24 to 72 business hours.
3. Dispute Resolution: Users can file a support ticket or contact customer.smartvest@gmail.com along with the TID and transfer receipt for manual dispute investigation.
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Define, manage and log real-time expenses against your budgets:
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Set personal vision targets, deposit savings, and track progress:
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Instant Shariah-compliant micro-credit & repayment portal:
Settle outstanding financing debt from your wallet balance:
Live direct chat & ticket tracking with bank agents:
Select payment account, copy details, and submit receipt:
Instant 0% fee transfer to registered account.
Interbank zero-latency fund settlement:
Live Global Benchmark ($ USD) • Settlement in PKR:
Enter your character identifier for direct voucher credit:
Enter beneficiary mobile number:
Select provider, enter verified reference number & amount:
Lock capital in Shariah-compliant high-yield pots:
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Shariah mutual aid & financial coverage shields:
Upload identity documents to lift monthly account limit to ₨ 1,000,000:
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