Shared ATM

1LINK is the leading shared ATM Network in Pakistan connecting 37 commercial and microfinance banks with branch banking in collaboration with the key international payment schemes such as VISA, Mastercard, UnionPay International (UPI), Japan Credit Bureau (JCB) and domestic payment scheme PayPak.

1LINK enables inter-connectivity among the member banks allowing customers to conveniently access their funds anywhere from any of the participating banks’ ATMs.

This shared ATM facility allows Banks to provide cash withdrawal and balance inquiry services to customers at all ATMs across the country (for Off-us transactions). To make it even more convenient, for On-us transactions, all member banks offer inter-bank money transfer, balance inquiry and bill payment services to their customers.

This connectivity and transaction routing is backed by “Authentic” (NCR), an agile transaction processing platform employing ORACLE database which allows 1LINK to operate multi-faceted payments from a single platform while complying to the EMV standards.