Funds Transfer (IBFT)

Funds Transfer via Mobile

For Funds Transferto any Other IBFT Member Bank

  1. Click to menu and open new sms message on your mobile and type:

    IBFT<space><Your Sindh Bank ATM Card No><space><To Bank Code><space><To Account No><space><Amount><space><Reason Code>

    For example: For transferring Rs 54,000/- to Faysal Bank

    IBFT 5054390020001895 FBL 10760078005898019 54000 1 and send this sms to 8987

  2. The Bank then verify the sms sent by customer and reply back with  beneficiary Bank Account details with a uniqe code

    From Sindh Bank Ltd.
    Amt: 54000
    Ac/no: 10760078005898019
    Ac-title: Salman Ahmed
    To confirm transaction reply with
    CNFT 173755

  3. After receiving sms from Bank the customer then reply with the given uniqe code to confirm transaction
    CNFT 173755
  4. The Bank then verify the uniqe code sent by the customer and process the transaction.

For Funds Transferwithin Sindh Bank

  1. Click to menu and open new sms message on your mobile and type:

    payc<space>amount<space> beneficiary account number

    Example:
    payc 5000 12345678901234
    and send this sms to 8987

  2. The Bank then verify the sms sent by customer and reply back to customer for confirmation as shown:.

    From Sindh Bank Ltd.
    Pay to Muhammad Imran
    PKR: 5000
    To Confirm reply with
    BFPY 238954
    BFPY 238954

  3. After receiving sms from bank the customer then reply with the given code and send back to  0335-6211118 to 21 as shown

    BFPY 238954

  4. The Bank then verify the code sent by the customer and process the transaction.

Reason Codes

1 Family support
2 Educational Payments
3 Dividends
4 Trade Services
5 Loan Payment
6 Rental payments
7 Personal investments
8 Tax Payments
9 Online Purchases
10 Fuel Adjustment
11 Vendor Payments – Spare parts
12 Vendor Payments – Services
13 Vendor Payments – Advance Payment
14 Vendor Payments – Refunds
15 Distributor Payments – Goods
16 Distributor Payment – Expired Items
17 Distributor PMT – DISC on Early Payment
18 Exchange Items/Returns
19 Distributor Refunds
20 Merchant Payments – Goods
21 Merchant Payments – Expired Items
22 Merchant Payments – Exchange / Returns
23 Merchant Payments – Commission
24 Supplier Payments – Goods
25 Supplier Payments – Spare parts
26 Supplier Payments – Returns and refunds
27 Advertising Payments
28 Professional Services
29 Commercial investments
30 Vendor Payment
31 Supplier/Distributor Payment
32 International Remittance Disbursement
33 Loan Disbursements – Personal Loan
34 Loan Disbursements – Car Loan
35 Loan Disbursements – Home Loan
36 Loan Disbursements – Running Finance
37 Loan DISB – Working Capital – OD
38 Loan DISB – Working Capital – FE Loans
39 Loan Disbursements – Import Financing
40 Loan DISB – Pre & Post Shipment Export
41 Loan Disbursements LMM Funding
42 Term Deposit Encashment
43 Profit Payments – Monthly
44 Profit Payments – Quarterly
45 Profit Payments – Half Yearly
46 Profit Payments – Yearly
47 Profit Payments – Daily
48 Shares Encashment
49 Car Claim – Bodily Injury Claims
50 Third Party Car Insurance Claims
51 Auto Theft and Vandalism Claims
52 Car Loss of value to vehicle
53 Insurance Claims – Car Personal injury
54 Car Injury by uninsured defendant
55 Car Coverage for rental car repair
56 INS Claim Medical – Hospital stays
57 NS Claim Medical – Doctor visits
58 INS Medical claim-Emergency medical care
59 INS Claim Medical – Surgeries
60 INS Claim Medical – Medical Prescription
61 INS Property Claim- Theft & damage
62 INS Claim – Land contamination
63 INS Claim – Damage – appliance failure
64 INS Claim – Damage due to mold
65 INS Claim – Replacement cost issues
66 INS Claim Catastrophe – Flood damage
67 INS Claim Catastrophe – Hail damage
68 INS Claim Wildfire related losses
69 INS Claim – Tornado damage
70 INS Claim – Hurricane damage
71 INS Claim – Earthquake damage
72 INS Claim – Lightning strike
73 INS Claim – Excessively strong winds
74 INS Claim – Blizzard damage
75 Customer Refunds – Gift Card
76 Customer Refunds – Store Credit
77 Customer Refunds – Cash Back
78 Customer Refunds – Exchanges / Refunds
79 Tax Refund
80 Medical payment
81 Transport payment
82 Utility Bill Payments – Electricity
83 Utility Bill Payments – Gas
84 Utility Bill Payments – Internet
85 Utility Bill Payment – Telecommunication
86 Utility Bill Payments – Miscellaneous
87 Credit Card Bill Payment – Min Payment
88 Credit Card Bill Payments – Full Payment
89 Credit Card Bill PMT – Partial Payment
90 Loan Re-payments – Personal Loan
91 Loan Re-payments – Car Loan
92 Loan Re-payments – Home Loan
93 Loan Re-payments – Running Finance
94 Loan Re-payments – Instalments
95 Loan Re-payments – Full Payment
96 Insurance Premium / Underwriting
97 Subscriptions
98 Donations – Financial Contributions
99 Donations – Sponsorships
100 Donations – Charity
101 Donation – TCF
102 Donation – Shaukat Khanum
103 Donation – Aman Foundation
104 Donation – Edhi Foundation
105 PIB Payments
106 CDC payments – IPO
107 CDC payments – Additional payment
108 Shares & Stocks
109 Prize Bonds
110 Mutual Funds – Monthly Payment
111 Mutual Funds – Quarterly Payment
112 Mutual Funds – Yearly Payment
113 Voluntary Pension – Monthly Payment
114 Voluntary Pension – Quarterly Payment
115 Voluntary Pension – Yearly Payment
116 Educational – Registration Payment
117 Educational – Admission Fee
118 Educational – Annual Fee
119 Educational – Semester Fee
120 Educational – Monthly Fee
121 Educational – Exam Fee
122 Educational – Fines / Challans
123 Educational – Module Payments
124 Educational – Late Payment
125 Educational – Tuition Fee
126 Educational – Board Exam Fee
127 Educational – Annual Development Fee
128 Educational – Security Deposit
129 Miscellaneous Payments
130 Hotel – Room Rent
131 Mess
132 Library – Subscription
133 Library – Monthly Fee
134 Sports
135 Club – Membership Fee
136 Club – Monthly Fee
137 Transport
138 Seminars – Subscription
139 Canteen items
140 Uniform
141 Books
142 Rental Services – Rent a Car
143 Tickets – Airline/ Rail / Bus / Van etc
144 Tickets – Entertainment
145 Motor Freight Carriers and Delivery
146 Courier Services
147 Club/Services Fee
148 Insurance payment (General)
149 Insurance payment ( Medical)
150 Mutual Funds
151 Personal Loan Payment
152 Mortgage Payment
153 Credit Card Payment
154 Credit Line Payment
155 Utility Bill Payment – Water
156 QR Code Consumer to Business Payment
157 Home Remittance
158 Donations to Individuals
159 International Remittance
160 Domestic Employment Salary
161 Zakat Payment to Individuals
162 Wallet Payment
163 QR Code Person to Person Payment
164 Salary disbursements
165 Pension Transfer
166 Reimbursements
167 Provident Fund
168 Gratuity Payments
169 Pension Contribution
170 Medical Allowance
171 TADA
172 Car & Fuel Allowance
173 Mobile Allowance
174 Bonus Disbursement
175 Grants
176 Tax Reversals
177 Relief Funds
178 Subsidy
179 Government Welfare
180 Social Benefits
181 IDP Relief Fund
182 Education Endowment
183 Health Program
184 Food Subsidy
185 Income Support
186 Senior Citizen Support
187 Pension Disbursement
188 Salary Disbursement
189 Zakat Disbursement
190 Fine and other fees
191 Income Tax
192 Sales Tax
193 Custom Duties
194 Tax on Services
195 Federal Excise Duty
196 Land Revenue Taxes
197 Property Tax
198 Tax on Profit
199 Capital Gain Tax
200 Petroleum Levy
201 Withholding tax
202 Tolls/ Bridge Fees
203 Zakat / Bait-ul-Maal Payments