Samba PayPak Debit Card

Samba PayPak Debit Card is locally accepted PIN based card that ensures utmost security not only at ATM machine for cash withdrawal but also at POS terminal while shopping at merchant outlets across Pakistan.

The Card is welcomed at all locations displaying the PayPak/1Link/MNet logos on POS terminals. This includes up to approximately 30,000 major merchants in Pakistan. You can use Samba PayPak Debit Card to pay for shopping, meals, travel, entertainment, vacation, fuel, etc. They are also up to 8,000 ATMs to withdraw cash from your available Bank Account balance. By getting Samba PayPak Debit Card, you can access your account at Samba Bank from anywhere in Pakistan.

Target Market

Customers who do not require international transactions on their debit cards, and only need “Debit Card” to conduct ATM and POS transactions to meet their day-to-day financial needs.

Features & Benefits

The Samba PayPak Classic Debit Card offers following key benefits:

  • Avail unlimited access to your account nationwide with a simple swipe
  • Enjoy complete freedom of cash withdrawal and payments wherever you are
  • NFC Enabled card for contactless transactions (Tap & Go)
  • Local Acceptability
  • No minimum income required

Samba PayPak Debit Card Transaction Limits (Daily PKR)

Transaction Name

Single Transaction Limit

Per Day Limit

Funds Transfer









Cash Withdrawal



Fees & Charges

For applicable fees and charges, please review Bank’s prevailing Schedule of Charges (SOC)


What is PayPak?
PayPak is a domestic payment scheme owned and operated by 1Link Guarantee Ltd duly approved by State Bank of Pakistan.

What is Samba PayPak Debit Card?
The debit cards issued by Samba Bank under PayPak are named as Samba PayPak Debit Card. Samba PayPak Debit Card enables you to carry out ATM transactions as well as retail purchases.

What is EMV or chip card technology?
EMV is an acronym that stands for Europay, Mastercard and Visa. They are the founding companies for chip card technology. EMV is a payment application that resides in a computer chip embedded in a debit card. The application specifications were developed to help fight fraud. The term ‘EMV’ and ‘chip card’ are interchangeable.

What is NFC?
NFC or Near Field Communication capability allows contactless payments on a secured payment terminal instead of inserting or swiping your card.

Where can I use my Samba PayPak Debit Card?
Your Samba PayPak debit card can be used to carry out transactions on all ATMs displaying 1Link and MNET signs and with PayPak merchants anywhere within Pakistan.

Is Samba PayPak Debit Card secure?
All transactions made through Samba PayPak Debit card are secured via a 4-digit PIN code.

How do I activate my Samba PayPak Debit card?
You can easily activate your Debit Card using Samba Bank's ATM card activation facility. Please follow the following simple steps:

- Visit any Samba Bank ATM

- Insert the card in ATM machine

- A 6-digit OTP send on customer’s registered mobile number

- Enter that OTP on ATM

- Then enter the 4-digit PIN code to set the ATM PIN

- Re-renter the PIN

- The card comes out and is activated

Alternatively, you may call our 24/7 Call Centre at (+92 21) 11 11 72622(SAMBA). The Samba Phone Officer will activate your card upon successful verification.

How do I get my PIN (Personal Identification Number) issued?
To generate your and in case you forget your PIN, you can get assistance from SambaPhone at (+92 21) 11 11 (SAMBA)72622.

What kind of transactions can I do with my Samba PayPak Debit Card?
•Shop at Point-of-Sale (POS) displaying PayPak sign
•Contactless Purchase at supported terminal
•Cash withdrawal through ATM displaying 1Link & MNET signs
•PIN Change
•Utility Bill Payment
•Funds Transfer
•Balance Inquiry
•Mini Statement
•Cheque Book request

What should I do if my Samba PayPak Debit Card is lost or stolen?
As soon as you realize that your card is lost or stolen, please report it immediately by calling our 24/7 Call Centre at (+92 21) 11 11 (SAMBA)72622 or you can use our Samba Smart mobile app to ‘temporary block’ your card and immediately afterwards call SambaPhone for permanent block / de-activation.  A new card will be replaced upon your request. You are protected from any fraudulent transactions made on your card from the time you notify Samba.