Bank codes › MCB SWIFT code › Account opening
MCB account opening through MCB Live requires eligibility, identity documents and biometric verification.
Short answer MCB’s digital onboarding FAQ lists CNIC images, a live photo and proof of income or a self-declaration. Opening through MCB Live is free. A branch visit is required if in-app biometric verification is unsuccessful or remains pending.
| Requirement or condition | MCB’s published rule |
|---|---|
| Identity | Valid CNIC or Smart CNIC |
| Contact details | Valid mobile number and email |
| Documents | Front and back of CNIC, live photo, proof of income/self-declaration |
| Location | Applicant must be in Pakistan |
| Opening fee through MCB Live | Free |
| Biometric verification | In-app; branch completion if unsuccessful or pending |
Source: MCB digital onboarding FAQ ↗ · checked 2026-10-07
MCB’s FAQ lists Asaan Digital Current and Savings accounts, Asaan Digital Remittance Current and Savings accounts, Freelancer PKR Rupee Current and Savings accounts, and a Freelancer Exporter Special Foreign Currency Account.
These are different products. The list does not mean that every applicant is eligible for each one. Check the account’s terms and applicable limits before selecting it.
Existing MCB customers cannot open an Asaan Digital Account through this route because those accounts are restricted to new-to-bank customers. Existing customers can apply for a Freelancer Account, subject to eligibility and the bank’s validations.
MCB also says a new-to-bank customer can open only one digital account per CNIC through MCB Live.
Source: MCB onboarding ↗ · MCB FAQ ↗ · checked 2026-10-07
These are the bank’s stated processing conditions, not a guarantee that every application opens instantly. Additional validations must be completed before a non-STP application receives its account number.
MCB says customers cannot choose the parent branch during digital opening. Its Roshan & Universal Digital Centre is the reference branch for digitally opened accounts.
MCB’s FAQ says digital account opening through MCB Live is permitted only while in Pakistan. A mobile number on international roaming does not make an application from abroad eligible.
For receiving money after the relevant account is active, see MCB’s SWIFT details, MCB IBAN information and the money from abroad reference. These pages address receiving details, not approval of a new account.
Warning Enter identity and account information only through the bank’s official application route. Do not send an OTP, banking password or CNIC images to someone offering to open the account through a chat message.
Yes. MCB’s FAQ says opening through the MCB Live app is free of charge. This does not describe every later product or transaction fee.
No. MCB’s FAQ requires the applicant to be in Pakistan, including when the mobile number has international roaming.
A successful in-app biometric verification avoids a branch visit. An unsuccessful or pending verification requires branch completion.
Prepared by ptvold Desk.