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The Islamic Asaan Digital Account (IADA) will provide banking opportunity to the underserved local diaspora. The key target audience is Pakistani resident individuals who do not have a bank account. Only CNIC and basic information is required to start banking with and enjoy a host of value-added services.
Key
Product Features
Free PayPak Debit Card (Default)
Free AL Habib Netbanking & Mobile Banking
Free Life Takaful (Term and Conditions applied/ to be checked)
Free E-Statements
Free Regular SMS Alerts
PKR Account only(as per regulator)
Maximum Monthly Credit Balance Limit of PKR 1,000,000 (as per regulator)
Maximum Monthly Debit Limit of PKR 1,000,000 (as per regulator)
No Service Charges at Opening or Closure of Account
No Initial Deposit or Minimum Balance Requirement
Statement of Account Hardcopy on Customer Request
Cheque Book Facility
Financing against 90% Deposits. (Subject to management approval / Bank`s Terms & Conditions)
* Terms & Conditions Apply
Account Opening
Documents Required
- Live Photo Required
- Computerized National Identity Card (CNIC)/ Smart National Identity Card (SNIC)
- CRS & FATCA
- Any other necessary documentation deemed necessary
Frequently Asked Questions
- Are there any limits on my account transactions for Asaan Digital Account?
You may deposit and withdraw PKR 1 Million respectively in the account per month.
- Who can open an Asaan Digital Account?
Resident Pakistani Nationals are eligible to open the Digital Account.
- What are the basic documentary requirements to open a Asaan Digital Account?
Customer must provide valid Computerized / Smart National Identity Card and self-declaration for citing source of funds.
- Do I need to complete biometric verification immediately?
You must complete the biometric verification process as soon as your account has been opened. You can do this via the AL Habib Biometric Verification app or by visiting the nearest Bank AL Habib branch.
- Are there any additional documents required?
For Asaan Digital Account, CNIC/SNIC and a self-declaration form are sufficient documentary evidence for proof on income and profession.
- Which documents are required from a Minor for Account Opening purposes?
For a Minor, the following are required
- Scanned copy of:
- Juvenile Card
- Form-B
- Child Registration Certificate
- Live Photograph of Minor
- Scanned copy of:
- Who can apply for a Debit Card?
Customers with a Rupee account may apply for a Debit Card.
- Do I have to visit the branch?
You can complete the account opening process from the comfort of your home. Even biometric verification can be completed via the AL Habib Biometric Verification app. However, if you wish to visit the branch, you may do so.
- In how many days is the biometric verification required?
Biometric verification must be done immediately after the account has been opened. You may complete the biometric verification process from anywhere via the AL Habib Biometric Verification app or visit the nearest Bank AL Habib branch.
- Can I resume my application during account opening in case the application process abruptly halted?
Yes, you may resume the application process through “Resume Application”. After this, you will be required to input your reference number, Email Address and Mobile OTAC Verification code.
- How can I request assistance during application process?
You may call us at our dedicated helpline – (92 21) 111- 014 – 014 or email us at info-CDOB@bankalhabib.com
- Is there any minimum balance or initial deposit requirement on these accounts?
There is no minimum balance or initial deposit requirement on the aforementioned accounts.
- Which Debit Card products are available on these accounts?
Customers may avail the below mentioned Debit Card products (Subject to Terms and Conditions)
- PayPak Debit Card
- UPI Debit Card
- Visa Silver Debit Card
- Visa Gold Debit Card
- Visa Platinum Debit Card
For pricing of Debit Cards, customer may review the Bank`s prevailing Schedule of Charges.
- Can I obtain financing against my deposits?
Yes, you may obtain financing against 90% deposits subject to Terms and Conditions
- Can I maintain any other account with the Bank if I have an Asaan Digital Account or Asaan Digital Remittance Account?
A customer cannot maintain any other account with the Bank if they have an Asaan Digital Account or Asaan Digital Remittance Account.
- Can I modify my account details without visiting the branch?
Yes you may modify your account details through the “Account Maintenance” option.
- Will I be entitled to a Statement of Account?
You may request a Statement of Account hardcopy specifically from Call Center.
- What is the turn-around time for Account Opening request acceptance or decline?
Our team will let you know within two days if the Account Opening application is accepted or declined. In case of potential decline, your case shall be referred back by the CPU Digital Desk.
- Is video-KYC mandatory?
You may receive a video call link via email from Bank AL Habib for further details/verification in accordance with the regulations of the State Bank of Pakistan. Bank AL Habib will never call from (+92 21) 111-014-014 or any other number asking for your personal information, internet/mobile banking User ID, Password, Debit/Credit Card number, PIN, OTP or CVV.
- Do I have to accept Bank AL Habib`s terms and conditions of Account Opening at stage?
Yes, a customer must accept Terms & Conditions before proceeding further with the application.
- Is there a Key Fact Sheet for Conventional and Islamic banking products being offered under AL Habib Digital Account Opening Facility?
Yes, you may review the key fact sheet for Conventional & Islamic banking products by clicking here.
The Islamic Digital Account provides a plethora of options to accountholders for a seamless, end-to-end banking experience.
Key
Product Features
Free Regular SMS Alert Facility
Free PayPak Debit Card (Default).
Free E-Statement Facility by default, however physical SOA on request
Free Banker`s Cheque Facility
Free Life Takaful (Term and condition applied/ to be checked)
Offered in PKR, GBP, Euro and USD (as per regulator)
Available in Current and Savings Category
No Service Charges at Opening or Closure of Digital Account
No Minimum Balance Requirement
Personalized Cheque Book Facility
Financing against 90% Deposits and Opening of Term Deposit Facility (Subject to management approval / Bank`s Terms & Conditions)
*Terms and Conditions Apply
Account Opening
Documents Required
- Source of Income/ Funds and/or Self-Declaration Required
- Live Photo of Customer Required
- Computerized National Identity Card (CNIC)/ Smart National Identity Card (SNIC)
- For Minors (Juvenile Card, Form B, CRC and Live Photo are required)
- CRS & FATCA
- Any other necessary documentation deemed necessary
Frequently Asked Questions
- Are there any limits on account transactions?
There are no limits on the transactions.
- Who can open a Digital Account?
Resident Pakistani Nationals are eligible to open the Digital Account.
- What are the basic documentary requirements to open a Digital Account?
Customer must provide valid Computerized / Smart National Identity Card, source of income or furnish other document citing source of funds.
- Do I need to complete biometric verification immediately?
You must complete the biometric verification process as soon as your account has been opened. You can do this via the AL Habib Biometric Verification app or by visiting the nearest Bank AL Habib branch.
- Who can open an account through the AL Habib Digital Account Opening Facility?
Individual Resident Pakistanis may open their account through this portal.
- What are the documents required for Account Opening?
- Which documents are required from a Minor for Account Opening purposes?
- Who can apply for a Debit Card?
- Do I have to visit the branch?
- Can I resume my application during account opening in case the application process abruptly halted?
- How can I request assistance during application process?
- Is there any minimum balance or initial deposit requirement on these accounts?
- Which Debit Card products are available on these accounts?
Customers may avail the below mentioned Debit Card products (Subject to Terms and Conditions)
- PayPak Debit Card
- UPI Debit Card
- Visa Silver Debit Card
- Visa Gold Debit Card
- Visa Platinum Debit Card
For pricing of Debit Cards, customer may review the Bank`s prevailing Schedule of Charges.
- Can I obtain financing against my deposits?
- Can I maintain any other account with the Bank if I have an Asaan Digital Account?
- Can I modify my account details without visiting the branch?
- Will I be entitled to a Statement of Account?
- What is the turn-around time for Account Opening request acceptance or decline?
- Is video-KYC mandatory?
- Do I have to accept Bank AL Habib`s terms and conditions of Account Opening at stage?
- Is there a Key Fact Sheet for Conventional and Islamic banking products being offered under AL Habib Digital Account Opening Facility?
Yes, you may review the key fact sheet for Conventional & Islamic banking products by clicking here.
AL Habib Remit Account facilitates in receiving remittances directly into your account from your loved ones abroad through safety and convenience. The account offers various value added features.
Key
Product Features
FREE PayPak Debit Card on Current Account*
FREE Cheque Book on Current Account*
FREE Life Takaful*
FREE E-Statement
FREE AL Habib Mobile & Netbanking Facility
No Initial Deposit Requirement
Local Credits are Allowed
SMS Alert Facility
Monthly Profit Payout on Savings Account
* Term & Conditions apply
Note: Minimum monthly balance requirement of PKR 5,000 to avail Free PayPak Debit Card, Cheque Book & Life Takaful
*Takaful Details:
- The minimum eligibility age will be 18 years and the maximum 60 years
- New accounts eligible after 30 days of account opening
- In case of a joint account, any one of the account holders will be covered
- Insurance coverage for death and disability is also PKR 250,000/-
Account Opening
Documents Required
Any one of the following documents may be used as a proof of identity:
- Computerized / Smart National Identity Card (CNIC/SNIC)
- National Identity Card for Overseas Pakistanis (NICOP)
- Child Registration Certificate / B-Form / Student ID Card (For Minor)
- Original CNIC along with a verified copy
- Job Card / Job Letter and Salary Slip for Salaried Individual
- Any other proof of income
Frequently Asked Questions
- What is AL Habib Remit Account?
An individual account for the beneficiaries of home remittances.
- What types of accounts are being offered?
Individual Current and Savings account are offered in single and joint category.
- Who is eligible to open AL Habib Remit Account?
The product is specially designed for beneficiaries of home remittances.
- Is AL Habib Remit Account available in Islamic Banking variant?
Yes, the account is also available in Islamic Banking variant.
- Is there any minimum balance requirement in AL Habib Remit Account?
Yes, Minimum Balance requirement of PKR 5,000 is applicable to avail exciting features and waivers on account.
- Can more than one AL Habib Remit be opened by a customer?
No, customer may open only one AL Habib Remit Account.
- Are minors allowed open AL Habib Remit Account?
Yes, minor may open AL Habib Remit Account with a resident guardian.
- How do I apply for AL Habib Remit Account?
To open AL Habib Remit Account, visit your nearest branch or visit BAHL website (www.bankalhabib.com) to apply digitally.
- What documents are required for opening AL Habib Remit Account?
For individual accounts
- Copy of valid CNIC / SNIC / NICOP or Passport
- Proof of income document
- What is the account opening turnaround time (TAT)?
The turnaround time (TAT) for account opening is three working days subject to the completion of required documents.
- Can I get profit on my deposits in AL Habib Remit Account?
Yes, monthly profit will be paid on AL Habib Remit Savings Account and calculated on monthly average balance
- What is the profit rate on AL Habib Remit Account?
Rate of Return on PLS Savings Account rate.
- Can I avail financing under AL Habib Remit Account?
Upto 90% financing against deposit is available.
- In which currencies AL Habib Remit Account is offered?
The account is offered in PKR currency only.
- Are taxes and zakat applicable on the AL Habib Remit Account?
Zakat & taxes are applicable as per government regulations and directives of SBP.
- Is Internet banking available?
Yes. Internet Banking is available.
- How can I register and use Internet and Mobile Banking?
The customer will have to visit BAHL official website (www.bankalhabib.com) and will self-register on the internet banking portal to avail iBanking services.
- What are the conditions of Free Life Insurance on AL Habib Remit Account?
Minimum Eligibility Age:
The minimum eligibility age under this policy shall be 18 years.
Maximum Eligibility Age:
The maximum eligibility age under this shall be 60 years.
Insurance Coverage:
- Group Life Insurance Rider:
The Insurance Coverage for each Member shall be equal to Rs. 250,000/-. - Group Accidental Death Insurance Rider:
The Insurance Coverage for each Member shall be equal to Rs. 250,000/-. - Group Accidental Disability Insurance Rider:
The Insurance Coverage for each Member shall be equal to Rs. 250,000/-. In case of joint account, any one of the account holders will be covered
New accounts eligible after 30 days of account opening. - Group Life Insurance Rider:
- Is there a Key Fact Sheet for AL Habib Remit Digital Account?
Yes, you may review the Key Fact Sheet for AL Habib Remit Digital Account by clicking here.
AL Habib Woman Account is a product especially designed to empower women with financial independence and facilitate them in simplified banking.
Key
Product Features
Free First Cheque Book (10 Leaves)
Free bankers Cheques (Upto Three Per Month)*
24/7 AL Habib Mobile & Netbanking Facility
Free E-Statement
SMS Alerts Facility
Free Life Takaful**
50% Discount on Locker**
Free Intercity Online Transactions
No Initial Minimum Balance Requirement
Upto 90% Financing Available Against Deposit
Auto Loan on Discounted Markup Rate
*Free Banker's Cheques & Debit Card Issuance on Current Account Only
**Terms and Conditions Apply
***For First Year Only, Subject to Availability
Account Opening
Documents Required
Any one of the following documents may be used as a proof of identity:
- Copy of valid SNIC, CNIC, NICOP
- Proof of income
Frequently Asked Questions
- Is there any age limit to open AL Habib Woman Account?
AL Habib Woman Account is for women above 18 years.
- Is AL Habib Woman Account available in Islamic Banking variant?
Yes, the account is also available in Islamic Banking variant.
- Can more than one AL Habib Woman be opened by a customer?
Yes, customer may open more than one AL Habib Woman Account.
- What customer types are to be offered with this product?
Individual Current and Savings account are offered in single category.
- How do I apply for AL Habib Woman Islamic Account?
To open AL Habib Woman Islamic Account, , you may visit your nearest branch or apply via AL Habib Digital Account Opening
- What documents are required for opening AL Habib Woman Account?
For individual accounts
- Copy of valid CNIC / SNIC / NICOP
- Proof of income
- What is the account opening turn around time (TAT)?
The turn around time (TAT) for account opening is three working days subject to the completion of required documents.
- Can I get profit on my deposits in AL Habib Woman Saving Account?
Yes, monthly profit will be paid on AL Habib Woman Savings Account and profit will be calculate on monthly average balance
- Is Internet Banking available?
Yes, AL Habib Netbanking is available.
- How can I register and use Internet and Mobile Banking?
- Can I avail financing under AL Habib Woman Account.
Upto 90% of the financing is be available on deposit.
- In which Currency AL Habib Woman Account is offered?
The account is offered in PKR only.
- Are taxes and zakat applicable on the AL Habib Woman Account?
Zakat & taxes are applicable as per government regulations and directives of SBP.
- What are the conditions of Free Life Insurance on AL Habib Woman Account?
- Claim is eligible after 30 Days of Account Opening
- Claims payable on 90 Days of Average Balance in Account
- Maximum Claim on Accidental Death - PKR 4 Million
- Maximum Claim on Natural Death / Permanent Disability - PKR. 2 Million
- In a Joint Account, any one of the account holders is covered
- Age Limit - 18 to 60 Years
- Can customer open single or joint account types in AL Habib Woman Account?
Accounts can be opened in individual single & joint account categories. In case of joint account, primary account holder must be woman, whereas, secondary may be men.
- Are new to bank or existing customers able to open AL Habib Woman Account, if customer is having any existing Regular Account or Asaan Account?
All new to bank or existing customers can open AL Habib Woman Account however, if customer is having any existing Regular Account or Asaan Account, she is not allowed to open AL Habib Asaan Woman Account.
- Is AL Habib Woman and AL Habib Woman Asaan account available in Current and Savings Account types?
Yes, they both are available in Current and Saving Account types
- Who can open a AL Habib Woman Digital Account?
18 years and more Resident Pakistani Nationals are eligible to open the AL Habib Woman Digital Account and AL Habib Asaan Woman Digital Account.
- Do I need to complete biometric verification immediately after Digital Account Opening?
You must complete the biometric verification process as soon as your account has been opened. You can do this via the AL Habib Biometric Verification app or by visiting the nearest Bank AL Habib branch.
- Do I have to visit the branch for Digital Account Opening?
You can complete the account opening process from the comfort of your home. Even biometric verification can be completed via the AL Habib Biometric Verification app. However, if you wish to visit the branch, you may do so.
- Can I resume my application during AL Habib Woman and Asaan Digital account opening in case the application process abruptly halted?
Yes, you may resume the application process through “Resume Application”. After this, you will be required to input your reference number, Email Address and Mobile OTAC Verification code.
- How can I request assistance during application process?
You may call us at our dedicated helpline – (92 21) 111- 014 – 014 or email us at info-CDOB@bankalhabib.com
- Can I modify my Digital account details without visiting the branch?
Yes you may modify your account details through the “Account Maintenance” option.
- Which Debit Card products are available on these accounts?
Customers may avail the below mentioned Debit Card products (Subject to Terms and Conditions)
- PayPak Debit Card
- UPI Debit Card
- Visa Silver Debit Card
- Visa Gold Debit Card
- Visa Platinum Debit Card
For pricing of Debit Cards, customer may review the Bank`s prevailing Schedule of Charges.
- Is customer allowed to open AL Habib Woman Digital Account, who already have any Regular account in Bank AL Habib Limited branches?
Yes, opening AL Habib Woman Digital Account with existing branch account is allowed.
- What are the documents required for AL Habib Woman Digital account opening?
Account Opening - Documents Required
- Source of Income/ Funds and/or Self-Declaration Required
- Live Photo of Customer Required
- Computerized National Identity Card (CNIC)/ Smart National Identity Card (SNIC)
- CRS & FATCA
- Any other necessary documentation deemed necessary
- Is there a Key Fact Sheet for AL Habib Woman Account?
Yes, you may review the Key Fact Sheet for AL Habib Woman Account by clicking here.
AL Habib Woman Asaan Account is a product especially designed for women to empower them with financial independence and facilitate them with simplified banking.
Key
Product Features
First Free Cheque Book (10 Leaves)
Free PayPak Debit Card*
Credit Balance Limit of Rs. 1,000,000/-
Total Debits per month of Rs. 1,000,000/-
No Initial Minimum Balance Requirement
24/7 AL Habib Mobile & Netbanking Facility
Free E-Statement
SMS Alerts Facility
Free Life Takaful
Auto Loan on Discounted Markup Rate
Upto 90% Financing Available Against Deposit
*On Current Account Only
**Terms and Conditions Apply
Account Opening
Documents Required
Any one of the following documents may be used as a proof of identity:
- Copy of valid SNIC, CNIC, NICOP
- Proof of income
Frequently Asked Questions
- What is AL Habib Woman Asaan account?
An individual Current and Savings account for Women only, with a complete banking solution catering to their financial needs. AL Habib Woman Asaan can be opened by providing only copy of valid CNIC
- What customer types are to be offered with this product?
Individual Current and Savings account are offered in single category.
- How do I apply for AL Habib Woman Islamic Account?
To open AL Habib Woman Islamic Account, , you may visit your nearest branch or apply via AL Habib Digital Account Opening
- Who is eligible to open AL Habib Woman Asaan Account?
The product is specially designed for women seeking banking facilities in Pakistan.
- Is there any age limit to open “AL Habib Woman Asaan Account”?
AL Habib Woman Asaan Account is for women above 18 years.
- Is AL Habib Woman Asaan Account available in Islamic Banking variant?
Yes, this product is available for both Islamic & Conventional Banking variants.
- Is customer allowed to open AL Habib Woman Asaan Account, who already has any regular/asaan account with Bank AL Habib?
No, opening AL Habib Woman Asaan Accounts of regular/asaan account holders is not allowed.
- What is the account opening turnaround time (TAT)?
The turn around time (TAT) for account opening is three working days subject to the completion of required documents.
- Is Internet Banking available?
Yes, AL Habib Netbanking is available.
- How can I register and use Internet and Mobile Banking?
The customer will have to visit Bank AL Habib official website (www.bankalhabib.com) and will self-register on the internet banking portal to avail AL Habib Mobile and Netbanking services.
- Is there any transactional limits on AL Habib Woman Asaan Account?
Yes, following limits apply on the Asaan Account.
- Credit Balance Limit of Rs. 1,000,000/-
- Total Debits per month of Rs. 1,000,000/-
- In which Currency, AL Habib Woman Asaan Account is offered?
The account is offered in PKR only.
- Are taxes and zakat applicable on the AL Habib Woman Asaan Account?
Zakat & taxes are applicable as per government regulations and directives of SBP.
- What documents are required for opening AL Habib Woman Asaan Account?
Copy of valid CNIC / SNIC / NICOP
- What are the conditions of Free Life Insurance on AL Habib Woman Asaan Account?
- Claim is eligible after 30 Days of Account Opening
- Claims payable on 90 Days of Average Balance in Account
- Maximum Claim on Accidental Death - PKR 4 Million
- Maximum Claim on Natural Death / Permanent Disability - PKR. 2 Million
- In a Joint Account, any one of the account holders is covered
- Age Limit - 18 to 60 Years
- Can customer open single or joint account types in AL Habib Woman Account?
Accounts can be opened in individual single & joint account categories. In case of joint account, primary account holder must be woman, whereas, secondary may be men.
- Are new to bank or existing customers able to open AL Habib Woman Account, if customer is having any existing Regular Account or Asaan Account?
All new to bank or existing customers can open AL Habib Woman Account however, if customer is having any existing Regular Account or Asaan Account, she is not allowed to open AL Habib Asaan Woman Account.
- Is AL Habib Woman and AL Habib Woman Asaan account available in Current and Savings Account types?
Yes, they both are available in Current and Saving Account types
- Who can open a AL Habib Woman Digital Account?
18 years and more Resident Pakistani Nationals are eligible to open the AL Habib Woman Digital Account and AL Habib Asaan Woman Digital Account.
- Do I need to complete biometric verification immediately after Digital Account Opening?
You must complete the biometric verification process as soon as your account has been opened. You can do this via the AL Habib Biometric Verification app or by visiting the nearest Bank AL Habib branch.
- Do I have to visit the branch for Digital Account Opening?
You can complete the account opening process from the comfort of your home. Even biometric verification can be completed via the AL Habib Biometric Verification app. However, if you wish to visit the branch, you may do so.
- Can I resume my application during AL Habib Woman and Asaan Digital account opening in case the application process abruptly halted?
Yes, you may resume the application process through “Resume Application”. After this, you will be required to input your reference number, Email Address and Mobile OTAC Verification code.
- How can I request assistance during application process?
You may call us at our dedicated helpline – (92 21) 111- 014 – 014 or email us at info-CDOB@bankalhabib.com
- Can I modify my Digital account details without visiting the branch?
Yes you may modify your account details through the “Account Maintenance” option.
- Which Debit Card products are available on these accounts?
Customers may avail the below mentioned Debit Card products (Subject to Terms and Conditions)
- PayPak Debit Card
- UPI Debit Card
- Visa Silver Debit Card
- Visa Gold Debit Card
- Visa Platinum Debit Card
For pricing of Debit Cards, customer may review the Bank`s prevailing Schedule of Charges.
- Is customer allowed to open AL Habib Woman Digital Account, who already have any Regular account in Bank AL Habib Limited branches?
Yes, opening AL Habib Woman Digital Account with existing branch account is allowed.
- What are the documents required for AL Habib Woman Digital account opening?
Account Opening - Documents Required
- Source of Income/ Funds and/or Self-Declaration Required
- Live Photo of Customer Required
- Computerized National Identity Card (CNIC)/ Smart National Identity Card (SNIC)
- CRS & FATCA
- Any other necessary documentation deemed necessary
- Is there a Key Fact Sheet for AL Habib Woman Asaan Account?
Yes, you may review the Key Fact Sheet for AL Habib Woman Asaan Account by clicking here.