Mehr (Smart Computerized Management) is an achievement resulted from many years of research and intensive planning as well as micro investment aimed at offering the most desired banking services to the esteemed customers.
Making use of systems in coordination with international banking ones as well as international global banking standards, Mehr offers new and various banking services to the customers.

BK Iran Card is now considered and used as a new and safe tool in order to conduct banking operations. The most valuable feature of Iran Card is its bi-purpose function. In other words, it is equipped with a magnetic as well as a smart part.

Features of Iran Card

A. Mehr Card as a Debit Card (Magnetic Card)
Connectivity of Iran Cards to Qard-al-Hassanah checking accounts, Qard-al-Hassanah saving accounts, and short-term investment deposit accounts is the main reason which gives the customers the chance of using Iran Cards to make withdrawal from and deposit to these types of accounts.
B. Mehr Card as an Electronic Wallet (Smart Card)
Activating the smart part of the card and depositing the fund to the account connected to the card, the customers can use it as an electronic wallet. They can easily do their shopping in malls and service centers through POS (Point- of -Sale) even in case of offline connection. The advantages of each type of Mehr Card are included and clarified in separate brochures.

How to Use Mehr Accounts
Deposit Money to Mehr Accounts: Referring to any of BK branches, which are equipped with Mehr system, the customers may deposit money to their accounts without payment of any service charge so that the account balance will be increased simultaneously.
Withdrawing Money from Mehr Accounts: One of the following ways can be used to withdraw money from Mehr Accounts:

A. Using a Mehr Checkbook:Attending one of BK Mehr branches and writing a Mehr check, you can withdraw money from your accounts.
B. Using Mehr Cards: You can withdraw money from your accounts through one of the following ways:

1. Through PIN pad machines: Attending one of BK Mehr branches and presenting your Iran Card, you can use the magnetic part of your card to withdraw money from your accounts and you can also use the smart part of your card to withdraw money from your electronic wallet.
2. Though ATM Machines: Accessing any of BK ATM machines and other banks' machines (national and international members of SHETAB) around the clock, you can withdraw money from your accounts. State Banks (Bank Keshavarzi, Saderat, Export Development, Mellat, Tejarat , Sepah, Industry and Mine, Maskan, Refah Kargaran, and Post Bank), private banks (Saman, Karafarin, Eghtesad Novin, Parsian, and Pasargard) as well as international banks (in Qatar and Bahrain) are SHETAB members.

• Insert the card into the card slot from the side on which there is a flash sign so that the machine pulls the card in.
• Language selection options appear on the monitor. Select the language.
• The following request appears on the monitor:

"Please enter your PIN Code"
• Enter your PIN Code. Be careful not to enter a wrong one. (The machine will block the card after three wrong PIN Code entering).


• After entering the PIN, the following list appears on the monitor.
• Pressing the button next to each option, you can activate it.

PIN Code Operation:
Pressing this option, you can define your first and second PIN Code or change the ones defined already. Selecting this option, you will be showed the following menu:
The first PIN Code is a four-digit number which is used for ATM, P.O.S. and PIN pad machines. The second PIN Code is a six to twelve-digit number which is used for Telephone Bank services.

You may change the PIN Code following these steps:
Press the "PIN Code Change button". The following message appears:
After entering your new number, which must be a four-digit one, and receiving the waiting message, the following message appears:

After changing the PIN Code, select "Operation Finished" option and retrieve your card back.

Second PIN Code Changing
After selection of the option, the following message appears on the monitor:
"Please enter a 6 to 12-digit number and then press "Register Button".
Pressing "Register button", you will receive the message:
"Please reenter your 6 to12-digit number".
Pressing the "Register button", the card PIN Code changing operation for using the services of "Telephone Bank" is finished.
Note: If customers are willing to change their second PIN Codes, they must repeat the above-mentioned steps and enter their new PIN Codes twice.

Money Withdrawal
Inserting the card into the machine, selecting the language and entering the PIN Code, the following menu appears on the monitor:
If your requested amount of money is listed, select the related option. In other case, select "Other Amounts". Then you may enter your requested amount using the key board and then press "Register". After processing your request, the machine returns your card and delivers the requested amount of money, and the account balance statement respectively.
Receiving the money, the following message appears on the monitor:

Possibility of Depositing Money 24 hours a Day, without Presence in BK Branches

• Select "Money Deposit".
• After selecting "Money Deposit", the following message appears on the monitor:

Please enter your requested amount in Rials and then press "Register".

• Pressing the "Register", you will be showed the following message:

"Please select type of deposit"
The customer must select either of the options.

• Demonstrating the message, the machine delivers a special envelope in which the customer puts the money and the initial receipt of money deposit.
• Receiving the envelope and the receipt, you must put the money, cash or check, in the envelope and insert it again into the envelope slot from the marked side.
• After inserting the envelope into the machine, the customer receives the final receipt. Please keep the receipt with you for some time.

• The customer must take the cash paid by the machine in 5 seconds; otherwise, in order to observe the security consideration of customers, the cash is pulled back inside the machine. Informing the branch, you can have the debited money deposited to your account again.
• You are strictly recommended not to disclose your PIN Code to others.
• In case of blocking the card by the machine, please refer to BK branch as soon as possible.
• Memorize your PIN Code.
• In case of forgetting the PIN Code, another card will be issued and a new PIN Code will be defined for the magnetic part of the card.
• In case of losing or blocking the card, inform the nearest BK Mehr branch as soon as possible.
• ATM machines pay as much as Rials 2,000,000 per 24 hours in maximum 5 transactions.
• Accessing any of BK ATM machines, you may be informed of the last 5 transactions in your account.

• Hand your Iran card to the P.O.S. operator.
• Before settlement, you can ask the operator for the balance statement of your smart or magnetic card.
• After confirming the purchase operation (by the sale operator), enter your PIN Code through the PIN pad machine and press the "Enter button".
• The invoice fee (the bill) will be entered and confirmed by the POS operator.
• It is necessary to receive the receipt of the purchased goods after the termination of operation.