Customer Complaint

We strive to make your experience with Bank AL Habib pleasant and memorable. If you have any complaints, please register by clicking below Complaint Procedure Email Us feedback@bankalhabib.com BAHL Helpline (+92-21) 111-014-014 Nearest Branch Branch Locator If you want to reach us Click Here SBP Launches Sunwai - A Customer Complaint Management Portal Customers may register their complaint related to banking services, through ‘ Sunwai – A Customer Complaint Management Service by SBP ' accessible through web browser (https://sunwai.sbp.org.pk) as well as mobile application, both for Android and IOS users. Lodge Complaint × You may also submit your suggestion/complaint at the website now.Are you sure want to proceed further? Proceed #main-slider .carousel-inner .sliderImg{ background-position:center 25% !important; }

Customer Services

We at Bank AL Habib continuously strive for excellence and make your experience a remarkable one with us through serving you at all touch points. Customer Satisfaction Survey Your participation in this survey is highly appreciated, as it will enable us to gain a deeper understanding of your experiences, needs and expectations. Your input is invaluable to us as we strive for excellence in customer satisfaction. We encourage you to take part in the survey and share your thoughts. Online Customer Survey Customer Awareness Service StandardsDownload PDF Know Your Rights and Responsibilities as a Bank’s Consumer.Download PDF Guidelines of Business Conduct for Banks.Download PDF Customer Awareness Brochure Click here to view details You received a suspicious email. If you inadvertently give out your personal information, call us at 111-014-014. Your debit card was lost or stolen. If your debit card was lost or stolen, call us at 111-014-014, where you can also temporarily block your debit card. Downloads Guidelines for Clearing Operations C

Key Features of Financing Products

Islamic SME Banking

Short Term Financing (Working Capital Needs) Bank AL Habib Islamic Banking Division offers diverse Shari’ah compliant solutions with flexibility of choice to cater the financing need of SMEs in a safe, simple and pleasant way. AL Habib Islamic Murabaha A short term financing facility for purchasing of raw materials, and other assets by Bank and its onward sale to the customer on cost plus profit basis usually with deferred payment. This product is suitable for manufacturers, traders, importers to procure / import any kind of Shariah permissible goods (raw / semi-finished / finished / processing / packing material etc). AL Habib Islamic Istisna (Suitable For Manufacturers) A short term financing facility in which the Bank orders the manufacturer to manufacture goods as per the specification of order. Once Istisna goods are manufactured, goods are delivered to the Bank. After taking delivery, these goods are locally sold / exported by the customer acting as Bank’s Agent and finance is realized through their sales / export proceeds. AL Habib Islamic Musawama (Suitable For Finished Goods Financing) A Short term financing facility for meeting liquidity requirements of the customers in which the Bank purchases the finished / manufactured goods of the customer which are ready to sale. These goods are then delivered to the Bank. After taking delivery, these goods are locally sold / exported by the customer acting as Bank’s Agent. The finance is then realized through their sales / export proceeds.

Guiding Principles

Guiding Principles Directors and employees of the Bank shall always be guided by the following values: Treat depositors' money as a trust which must be protected. Achieve high level of productivity in business processes with maximum use of Information Technology. Strive for on-going innovation in products and services. Emphasize speed and simplicity in deployment of new products and services. Focus on customer service and customer satisfaction as the key measures of performance. Recruit, develop, and retain high-potential people who have the same values and beliefs as ours, and find it natural to communicate and cooperate with their colleagues and customers. Always stay directly "connected" with colleagues and customers, and protect the organization from proliferation of paperwork and bureaucracy

Reasons for Choosing Bank AL Habib

The workplace culture at Bank AL Habib is to keep the customer service satisfaction at its best, we are focused on assisting customer needs and businesses to succeed financially. Bank AL Habib Limited (BAHL) is a place to learn, to share ideas, to develop one’s talent, find meaning and realise one’s passion. In a short span of 34 years, BAHL has secured its position as one of the top banks in Pakistan, just the right place that offers opportunities of growth, progress and developing a successful career! Our people come from diverse backgrounds, they bring unique perspectives to our collaborative environment, every employee is a valuable resource who needs to be nurtured, and respected. Employees’ happiness quotient is very important to us, that is why constant communication is maintained to gauge their happiness. We believe that when talent is merged with the right opportunity in an organization, amazing things can happen. This is what makes Bank AL Habib, a place of opportunities, where your skills can help you make your banking career & successful one.

Electronic Funds Transfer

Electronic Funds Transfer Facility Electronic Funds Transfer facility enables funds transfer between bank accounts, either within the same Bank or to another Bank or financial institution, using alternative delivery channels including ATMs, POS terminals, mobile and internet banking platforms, call center or any other channel approved by the State Bank of Pakistan. Bank AL Habib provides customers the following alternate delivery channels to initiate electronic funds transfer: AL Habib ATM through Debit Card AL Habib Mobile App AL Habib Netbanking Getting Started with Bank AL Habib`s Electronic Funds Transfer Services You need to have a Savings or Current Account in Bank AL Habib along with either a Debit Card or AL Habib Mobile App / Netbanking. EFT Limits Through AL Habib Debit Cards: AL Habib Signature Debit Card Rs 2,000,000/- AL Habib Platinum Debit Card Rs 500,000/- AL Habib Gold Debit Card Rs 400,000/- AL Habib Silver Debit Card Rs 300,000/- AL Habib UnionPay Debit Card Rs 250,000/- AL Habib PayPak Debit Card Rs 200,000/- Through AL Habib Mobile App/Netbanking: Raast P2P / 1-link per day Transaction Limits in PKR Transaction Mode Transaction Limits Any Bank AL Habib Account PKR 6,000,000 Own Account PKR 10,000,000 Any other Bank Account via RAAST PKR 2,000,000 Any other Bank Account via 1-Link (IBFT) PKR 2,000,000 EFT Charges There are no charges for customers who wish to transfer funds from one Bank AL Habib Account to another account within Bank AL Habib. If you wish to transfer funds from your Bank AL Habib account to a Bank Account in another Bank, the charges are as follows: Inter Bank Funds Transfer Free IBFT - Upto Rs. 25,000/- per month / per account. For the additional amount above Rs. 25,000/- per month per account, 0.1% of the transaction amount or Rs. 200, whichever is lower will be charged Error/Dispute/Complaint Reporting Procedures For support, you may contact: Your relationship branch where your Bank Account is maintained Our 24/7 Call Center (+92 21) 111-014-014 (+92 21 32446978 69 for international customers) Through Email via info@bankalhabib.com You may also drop your complaint / suggestion in the Complaint Box available at all Bank AL Habib branches and ATMs Alternatively, you may visit the provided link to submit a complaint, where the entire procedure is outlined for your convenience. Click here Availability of Online Funds Transfer Facility Service Availability: 24/7 Expected Duration for Fund Transfer Instantly, funds transfer on a real time basis. On successful funds transfer a SMS alert will be sent to customer registered mobile number, where available. An email alert along with the SMS alert will be sent to customers registered email address if transfer funds through AL Habib Mobile and Netbanking. Funds Transfer to Member Bank account ADVANCE MICROFINANCE BANK ALBARAKA ALLIED BANK LIMITED APNA MICROFINANCE BANK ASKARI BANK LIMITED BANK ALFALAH LIMITED BANK OF KHYBER BANK OF PUNJAB BANK ISLAMI CITI BANK DUBAI ISLAMIC BANK FINCA FINJA EMI WALLET FAYSAL BANK LIMITED FIRST WOMEN BANK HABIB BANK LIMITED HABIB METROPOLITAN BANK ICBC JS BANK LIMITED KMBL KHUSHALI MICRO FINANCE BANK MCB ARIF HABIB SAVINGS MCB BANK LTD MCB ISLAMIC BANK LTD MEEZAN BANK LIMITED MOBILINK MICROFINANCE BANK NAYAPAY NBP FUNDS MANAGEMENT NRSP NATIONAL BANK OF PAKISTAN SAMBA SILK BANK SINDH BANK SONERI BANK STANDARD CHARTERED BANK BANK MAKRAMAH LIMITED TELENOR MICROFINANCE BANK LTD HBL MICROFINANCE BANK U MICROFINANCE BANK UNITED BANK LIMITED ZARAI TARAQYATI BANK LTD AL MEEZAN INVESTMENTS CENTRAL DIRECTORATE OF NATIONAL SAVINGS (CDNS) CENTRAL DEPOSITORY COMPANY (CDC) DIGITT++ KEENU ONEZAPP PAYMAX SADAPAY TAG .contentSection.bank-list ul li { width: 24%; display: inline-block; vertical-align: top; margin-top: 25px; margin-bottom: 0; padding-right:20px; } .contentSection ul li{ line-height:1.5; } @media only screen and (max-width: 991px) { .contentSection.bank-list ul li { width: 33%; margin-top: 15px; } } @media only screen and (max-width: 767px) { .contentSection.bank-list ul li { width: 100%; } }

Customer Security Awareness

Introduction For the Netbanking Customers of Bank AL Habib, an extensive Customer Awareness Programme has been established to make our customers aware of initiatives undertaken by the Bank to facilitate its customers in enjoying secure internet banking. Security Tips Latest Internet Threats Identity Theft SIM Replacement Social Media Keystroke Capturing Social Engineering From time to time, Bank AL Habib will also issue updated guidelines and alerts for the continued security of our customers while using the Netbanking services. These guidelines/alerts are formulated both in English and Urdu for your convenience, and c

Financing Facilities