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MCB Bank Limited offers a diverse range of branded financial products in Pakistan. These services cater to Personal, Business, Islamic, Corporate, and Treasury segments. The bank provides sector-specific solutions across various customer needs.

Conventional Banking Services

MCB Bank provides various deposit accounts. The Current Account allows instant withdrawals via the 1Link/ATM network. MCB Asaan Current Account has a zero minimum balance. MCB Asaan Account opens instantly with biometric CNIC verification. It offers free remittance credits up to PKR 100,000 per transaction. MCB One Account combines current and savings functionality. It sweeps surplus funds into a term deposit at 6-month .5%. MCB Pensioners Current Account has zero maintenance fees for age 65. It includes free unlimited ATM withdrawals. MCB Freelancer PKR Current Account offers automated invoice-to-account settlement via SWIFT gpi. MCB Foreign Currency Current Account is multi-currency and IBAN-enabled. It has no conversion fee on intra-account transfers.

Savings products include the Savings Account based on a monthly Mudarabah yield. Balances over PKR 500,000 auto-sweep into term deposits. Term Deposit Accounts range from 1 month to 5 years. Pre-mature withdrawals incur a 2% penalty. MCB Asaan Digital Term Deposit allows instant online booking via the MCB Mobile App. The bank issues MCB Visa Credit Cards for Roshan Digital Accounts. These have a 52-day interest-free period and EMV Chip & PIN security. Debit card options include MCB Signature, Platinum, and Qadar Gold Debit Cards. The Platinum Debit Card has a daily POS spend limit up to PKR 1,000,000.

Consumer loan products are also available. MCB Personal Loan has a tenor of 1-4 years for salaried individuals. MCB Car Finance uses a diminishing-musharakah structure. Its tenure extends up to 5 years. MCB Home Finance uses a fixed-rate Ijarah mode. Financing is available for up to 80% of property value. MCB Scooty EMI Plan offers zero markup over 12 months.

Business and Islamic Banking

For businesses, MCB Bank offers several deposit accounts. The Business Current Account supports multi-user Internet banking with role-based limits. MCB Smart Business Account provides automated reconciliation with ERP systems via API. MCB Working Capital Finance is a KIBOR-linked revolving limit. MCB Trade Finance enables online L/C issuance via MCBDirect. It integrates with SWIFT MT700+. MCB Project Finance offers SPV-based lending. MCB Islamic Murabaha Finance provides commodity Murabaha up to PKR 500,000. MCB Bank Limited operates an Islamic Banking division, MCB Islamic Bank Limited. It offers Shariah-compliant products for individuals and businesses. MCB Al-Mubarak Current Account is Qard-based and non-remunerative. MCB Mudarabah Savings Account profits are announced quarterly by the Shariah Board. MCB Rihayesh Housing Finance uses a Diminishing-Musharakah structure. Its tenure can extend up to 20 years. MCB MICAR (Vehicle Finance) also uses Diminishing-Musharakah. It finances up to PKR 5 million. MCB Islamic Debit Card is UnionPay/PayPak-backed. For businesses, MCB Islamic Current Account is Qard-based. MCB Islamic Murabaha Finance supports working capital needs. MCB Islamic Istisna covers export/import finance under Salam/Istisna rules.

Specialized Services and Technology

MCB Bank also provides Treasury & Capital Markets services. These include MCB Treasury Yield Accounts with dynamic pricing. Foreign Exchange (FX) Hedging offers forward FX contracts. MCB Money Market Funds have daily NAV. These funds maintain SBP-regulated minimum liquidity of 20%. MCB Corporate Sukuk involves issuance and placement. It features a Shariah-compliant trust structure. The bank utilizes unique technologies and platforms. The MCB Live Mobile App offers single-sign-on for retail and corporate users. It includes real-time biometric login. Raast Merchant Integration facilitates instant QR-based merchant collection. This uses the State Bank of Pakistan's Raast rails. An API Developer Portal provides ISO 20022 compliant endpoints. These support corporate cash management and bulk payments.