AL Habib Roshan Digital Account

Introduction Bank AL Habib offers AL Habib Roshan Digital Account for Non-Resident Pakistanis (NRPs) and Foreign Nationals having a Pakistan Origin Card (POC) to open and manage their accounts in Bank AL Habib through an online digital platform. The product will facilitate overseas Pakistanis with a simple, secure & convenient online digital account opening process which, will ultimately help them make payments, investments and avail various other banking facilities while being abroad. View Details View Details View Details View Details Other Investment Opportunities View Details RoshanQurbani View Details Roshan ServiceRequest Form View Details Product Features Free E-Statements Free Cheque Books Debit Card Facility (PKR Account Only) Offered in Pak Rupee & Foreign Currency Free registration for Netbanking and AL Habib Mobile No Initial deposit or minimum balance is required No charges on opening, closure and maintenance of account Availability of 24/7 Dedicated Roshan Digital Unit (RDU) Available in Current & Saving account types with both Conventional & Islamic variants Local credits are allowed to the extent of proceeds received from permissible investments Access to host of investment avenues e.g. TDR Booking, Mutual Funds, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment etc. Account can be fed by Foreign Inward Remittances originating from the account holder themselves & other formal SWIFT & Home Remittance channels Account is fully repatriable Also available in Joint Account Free Life Takaful Terms and conditions applied Bi-annual Profit Payout on Savings Account Free welcome pack delivery globally No deduction of Zakat FCY to PKR Transfer & Bill Payments through internet banking Key Fact Sheet To learn more about Roshan Digital Accout fees & charges, click below to download the detailed KFS Download Current Account KFS Download Savings Account KFS Free Life Takaful Coverage for customers with following eligibility criteria: New accounts eligible after 30 continuous days of opening of account Claims payable on the basis of 90 days of average balance in customer account Maximum claim payable on Natural Death / Permanent Disability - PKR 2 Million Maximum claim payable on Accidental Death - PKR 4 Million In case of joint account, any one of the account holders will be covered Admissible age limit of claim - 18 to 60 years Steps to Open AL Habib Roshan Digital Account Provide Basic Information. Enter the OTP received on your email address & provide the account opening information. Choose the type of Digital Account: a Foreign Currency Account or a Pak Rupee Account. Upload required documents mentioned in "required documents" and a Live Photo. Receive confirmation on provided email with a reference number. The account opening confirmation will be intimated within 2 working days through email. Required Documents The following scanned documents are required for opening of AL Habib Roshan Digital Account: Customer CNIC / SNIC / NICOP / POC Customer Passport (first 2 pages, Pakistani and / or foreign / passport of other country) Specimen Signature (scanned on a white page) Proof of NRP status (e.g. copy of POC, visa entry / exit stamps etc.) Proof of profession and Source of income / Funds (For example: For salaried individuals; employment letter, salary slip or bank account statement & for business persons; business registration document, business letter head or bank account statement etc.) Live Photograph  Before Getting Started Filling of account opening form will approximately take 10-15 minutes. After gathering the Required Documents you will need to scan and upload them. We advise you to read the FAQs to get familiar with the product. You will also need access to a webcam so that your live photo can be captured. You may use the live chat feature in case you need any kind of assistance at any point. All fields are mandatory. You will have to acknowledge declaration to proceed to next steps. Disclaimer: Please make sure that you have the latest version of Microsoft Edge, Chrome or Firefox to avoid any difficulties during the process. Before you start we advise you to also clear your browser cache / cookies to ensure the application runs smoothly. AL Habib Roshan Digital Account Tutorials Singly Account Tutorial Joint Account Tutorial AL Habib Roshan Digital Account User Guide Please Download The User Guide For Roshan Digital Account Opening Process. Download Now .mt25{ margin-top: 25px !important;} .decimal ul{margin-left:15px;} .decimal ul li{list-style:decimal; color:#ffaf3c; padding-left:10px;} .decimal ul li span.gray{color:#333;} × .bannerOverlay:after{ background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.2) 52.00%) !important; } .bgPosBtmLeft { background-position: top right!important; }

Corporate Social Responsibility

The Bank is fully committed to the concept of Corporate Social Responsibility and fulfills this responsibility by engaging in a wide range of activities which include: Corporate philanthropy amounting to Rs. 159.8 million by way of donations during the year for health, social and educational development and welfare of under-privileged people; Energy conservation, environmental protection, and occupational safety and health by restricting unnecessary lighting, implementing tobacco control law and “No Smoking Zone”, and providing a safe and healthy work environment; Business ethics and anti-corruption measures, requiring all staff members to comply with the Bank’s “Code of Conduct”;

Utility Bills Payment

Bank AL Habib now offers 24/7 convenience of paying your taxes online, whenever & wherever you are. Pay your taxes against your pre-generated Payment Slip ID (PSID) through: No More Paperwork and Long Queues! Bank AL Habib ATMs AL Habib Netbanking and AL Habib Mobile Counters at the Bank AL Habib nationwide branch network Track your tax payments Get receipts of your tax payments No submission of physical challan For further assistance, please visit any of our nearest branch or contact our 24/7 Call Center at 111-014-014. Bank AL Habib (BAHL) offers various Utility Bills to be paid through Alternate Delivery Channels (ADC), currently ATM / Debit Card, Netbanking and AL Habib Mobile. BAHL value added Bill Payment Service is an electronic bill payment system that enables paying of utility bills, mobile phone bills and mobile phone top-ups, School, Clubs, Insurance payments 24 hours a day and 7 days a week from any BAHL ATM across Pakistan and BAHL Netbanking and AL Habib Mobile. It is simple, easy to use and above all this service is free of cost. At present customer can pay bills for the following companies. Through ATM 1. Utility Companies K-Electric, LESCO, HESCO, GEPCO, MEPCO, SEPCO,PESCO, SSGC, SNGPL, KWSB,FWASA,KE NEW CONNECTION 2. PTCL Companies PTCL Land Line, PTCL EVO Pre Paid, PTCL EVO Post Paid, PTCL Vfone, PTCL Defaulter 3. Telco Companies Warid, UFone, Telenor, Mobilink, Zong, (Prepaid and Postpaid Bill Payment),Oneload 4. Schools & Colleges Fee Karachi Public School, Habib Public School, Habib Girls School, Aitchison College, LUMS,BSS, Links Education Foundation, Green Shield Public School, Haque Academy, IBA Karachi 5. Internet Companies Wateen, Wi-Tribe, QUBEE, World Call, NAYATEL 6. Clubs Creek Club, Karachi Club, Karachi Boat Club 7. Insurance Companies ALICO , Jubilee, EFU Life Insurance,Pak Qatar FamilyTakaful Top Up,Pak Qatar GeneralTakaful,Pak Qatar FamilyTakaful Renewal 8. Engro Engro Fertilizer 9. Online Store/Digital Payments Daraz.pk, Jazz Cash Voucher 10. Asset Management Companies UBL FUND Management, Askary Investment, MCB Arif Habib AKD Investment, Al Meezan Investment, 11.  Welfare & Tax FBR, GoPb, SRB & Sindh Worker Welfare Fund 12. Donation TCF 13. Aggregator Kuickpay, ConnectPay 14. 1Bill Member Bank Credit Card Payment,Invoice/Voucher Payment,Top Up 15. Bus/Air Line Daewoo Express 16. DHA Payments DHA IR (Islamabad & Rawalpindi) Through Bank AL Habib Netbanking 1. Utility Companies Utility Companies K-Electric, LESCO, HESCO, GEPCO, MEPCO, SEPCO,PESCO, SSGC, SNGPL, KWSB, FWASA, KE NEW CONNECTION 2. PTCL Companies PTCL Land Line, PTCL EVO Pre Paid, PTCL EVO Post Paid, PTCL Vfone, PTCL Defaulter 3. Telco Companies Warid, UFone, Telenor, Mobilink, Zong, (Prepaid and Postpaid Bill Payment) 4. Schools & Colleges Fee Karachi Public School, Habib Public School, Habib Girls School, Aitchison College, LUMS, BSS, Links Education Foundation, Green Shield Public School, Haque Academy, IBA Karachi 5. Internet Companies Wateen, Wi-Tribe, QUBEE, World Call, NAYATEL, 1Load, 6. Clubs Creek Club, Karachi Club, Karachi Boat Club, Dreamworld 7. Insurance Companies ALICO , Jubilee, EFU Life Insurance,Pak Qatar FamilyTakaful Top Up,Pak Qatar GeneralTakaful,Pak Qatar FamilyTakaful Renewal 9. Fertilizers Engro Fertilizer 10. Franchise Ufone 11. Welfare & Tax SECP,FBR, GoPb, SRB & Sindh Worker Welfare Fund 12. Asset Management Companies UBL FUND Management, Askary Investment, MCB Arif Habib AKD Investment, Al Meezan Investment, 13. Online Store/Digital Payments Jazz Cash Voucher 14. Aggregator Kuickpay, ConnectPay,PAYPRO 15. 1Bill Member Bank Credit Card Payment,Invoice/Voucher Payment,Top Up 16. Travelling Daewoo Express 17. Water & Sewerage DHA IR,FAWASA,KWSB 18. Shipping Companies DP World   For any issue or complaint, please contact: Your relationship branch where your account is maintained BAHL 24X7 Call Center 111-014-014 info@bankalhabib.com

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

SBP Refinance Scheme

About Scheme In order to develop the agricultural produce marketing and enhance storage capacity, SBP has introduced “Finance Facility for Storage of Agricultural Produce (FFSAP)” to finance establishment of silos, warehouse and cold storages. Main Features The scheme is available on long term basis for establishment, expansion and balancing, modernization & replacement (BMR) of steel/metal/concrete silos, warehouse & cold storage facilities for storage of agricultural produce. The financing facilities are available for: Purchase of new imported & locally manufactured plant & machinery, equipment & accessories thereof, to be used in steel/metal/concrete silos, warehouse & cold storage. Purchase of new generators. Up to 65% cost of entire civil works. SME Banking Talk to our Agri Experts Head, Agriculture Division, Lahore - Pakistan Mr. Fiaz Ahmed Malik 042-36603228-29

Livestock Financing For Dairy Farmers

About Scheme Finance facility is available for eligible farmers, under our approved product “AL Habib Kissan Livestock & Dairy Development Finance Scheme" against acceptable collateral and cash flows. Bank AL Habib and Nestle’ Pakistan have an agreement to provide short, medium and long-term financing facilities to dairy farmers affiliated with and duly recommended by M/S. Nestle’ Pakistan Ltd. Main Features Dairy farmers working with Nestlé since last more than 2 years with a valid CNIC/identity doc, living / working in the area for more than five 5 years. One year running finance facility, renewable every year upon satisfactory conduct to meet day to day requirement of running dairy/livestock farms. Term Finance Facility, for a tenor from 2 to 5 years to purchase animals, livestock & dairy equipment/machinery and distribution / transportation requirement. These financing facilities are available at discounted mark-up rates. SBP Refinance Scheme Talk to our Agri Experts

AL Habib at Work

Salary Accounts AL Habib At Work is a comprehensive banking solution designed to address the banking needs of employees of an organization. It is suitable for small businesses as well as large corporates. Convenient bulk account opening, on site debit card delivery, free account benefits, digitization of salary payment along with much more to provide an unmatched experience for employers and their employees. Key Features No Minimum Balance Requirement On Site Account Opening & Debit Card Delivery Free Debit Card Issuance And Annual Fees* Free Cheque Book And Banker’s Cheques* Free ATM Cash Withdrawals From Any Bank’s ATM Across Pakistan Free Inter Bank Funds Transfers Exclusive Insurance/Takaful Coverage* *Terms and Conditions apply Benefits For Employers/Companies Streamlined salary transfer solution through AL Habib Payments System Simplified on-site bulk account opening process Convenient MIS reports ensuring up-to-date insights Swift salary disbursal turn around time Dedicated Relationship Manager to address all your payroll related needs and concerns Benefits For Employees On premises account opening, eliminating the need to visit a branch No minimum balance and no initial deposit requirement A suite of  special account privileges Debit Cards delivered at premises Availability of Consumer Banking products Complimentary Insurance/Takaful Coverage Email Us info@bankalhabib.com BAHL Helpline (+92-21) 111-014-014 Nearest Branch Branch Locator .bgPosBtmLeft.page-alhabib-at-work { background-position: center center !important; } .dark-mode .card{background-color:#333 !important} .carousel-caption h1.caption-heading { display:none !important; } img { max-width:300px; } @media screen and (max-width: 767px) { img { max-width:180px; } }

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; }

Islamic SME Financing