Country packs
Eight country packs in v1.0
Pakistan, Bangladesh and the six GCC states, each with its regulator's rules, references, calendar, identity documents and languages. Each bank's compliance team confirms its pack before go-live.
| Country | Status | Regulator | Identity documents | Languages | Weekend |
|---|---|---|---|---|---|
| South Asia | |||||
| Pakistan | Available now | State Bank of Pakistan (SBP) | CNIC, SNIC, NICOP, POC, passport | English, Urdu | Saturday and Sunday |
| Bangladesh | Available now | Bangladesh Bank (BB) | NID, birth registration, passport | English, Bangla | Friday and Saturday |
| GCC | |||||
| Saudi Arabia | Available now | Saudi Central Bank (SAMA) | National ID, Iqama, passport | Arabic, English | Friday and Saturday |
| United Arab Emirates | Available now | Central Bank of the UAE (CBUAE) | Emirates ID, passport | Arabic, English | Saturday and Sunday |
| Bahrain | Available now | Central Bank of Bahrain (CBB) | CPR, passport | Arabic, English | Friday and Saturday |
| Kuwait | Available now | Central Bank of Kuwait (CBK) | Civil ID, passport | Arabic, English | Friday and Saturday |
| Oman | Available now | Central Bank of Oman (CBO) | Resident card, civil ID, passport | Arabic, English | Friday and Saturday |
| Qatar | Available now | Qatar Central Bank (QCB) | QID, passport | Arabic, English | Friday and Saturday |
Key rules in each pack
PK
Pakistan
- On-us card kept at the branch at least 5 working days (BC&FRF 2025, clause 3.2.2.1(4))
- Off-us card sent to the issuer the same day (PSD circular letter 4 of 2010)
- Issuer returns within 2 working days
- Card records kept 10 years (PSD circular 5 of 2016)
- Destruction under maker-checker with 2 witnesses
BD
Bangladesh
- Customer application settled within 7 working days (PSD circular 4 of 2017, clause 1.6)
- Off-us cards destroyed by the acquirer and the issuer informed
- Destruction under maker-checker with 2 witnesses
SA
Saudi Arabia
- Cards delivered only to the named customer or an authorised person
- Records kept at least 5 years
- Destruction under dual control
- Hosting in the Kingdom
AE
United Arab Emirates
- Records kept at least 5 years (Consumer Protection Standards)
- Destruction under dual control
- Customer data kept in the UAE
BH
Bahrain
- Destruction under dual control
- Outsourcing rules for courier and cloud providers
KW
Kuwait
- Destruction under dual control
- Complaints answered within 5 working days
OM
Oman
- Destruction under dual control
- Financial consumer protection framework
QA
Qatar
- Destruction under dual control
- Data handling and cloud computing rules
- Customer data kept in Qatar
Summaries of the v1.0 packs. Rules marked "to confirm" in the product are not yet verified against a published circular. Other markets can be added as packs on request.
See Cardvoy with your own process.
Book a walkthrough: we set up your branches, card centre, couriers and country pack in a private proof of concept and follow a captured card from the ATM to the customer.