Islamic Banking 
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The Asaan Digital Account (ADA) will provide banking opportunity to the underserved local diaspora. The key target audience are Pakistani resident individuals who do not have a bank account. Only CNIC and basic information is required to start banking with and to enjoy a host of value-added services.
Key
Product Features
Free PayPak Debit Card (Default)
Free AL Habib Netbanking & Mobile Banking
Free Life Insurance (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)
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 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 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 within 60 days of successful account opening.
- Are there any additional documents required?
You must upload a Self-Declaration for source of income / funds.
- Who can open an account through the AL Habib Digital Account Opening Facility?
Individual / Natural persons Resident Pakistanis may open their account through this portal.
- What are the documents required for Account Opening?
CNIC / SNIC and Self-Declaration regarding income and profession is a mandatory document to be furnished for Account Opening.
- Which documents are required from a Minor for Account Opening purposes?
For a Minor, the following are required
- Scanned copy of:
- UPI Debit Card
- Visa Silver Debit Card
- Visa Gold Debit Card
- 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 may only visit the branch for collection of Debit Card, Cheque Book and Biometric Verification at a later point, based on your convenience.
- In how many days is the biometric verification required?
Customer must visit the branch within 60 days of account opening for biometric verification; otherwise the account may be blocked.
- 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
- 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
PayPak Debit Card is free and will be offered by default on all accounts. 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?
Video based KYC is mandatory for all Politically Exposed Persons` Account applications.
- 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 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 Insurance (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)
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
- 1. 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 within 60 days of successful account opening.
- Who can open an account through the AL Habib Digital Account Opening Facility?
Individual / Natural persons Resident Pakistanis may open their account through this portal.
- What are the documents required for Account Opening?
CNIC / SNIC and Self-Declaration regarding income and profession is a mandatory document to be furnished for Account Opening.
- Which documents are required from a Minor for Account Opening purposes?
For a Minor, the following are required
- Scanned copy of:
- UPI Debit Card
- Visa Silver Debit Card
- Visa Gold Debit Card
- 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 may only visit the branch for collection of Debit Card, Cheque Book and Biometric Verification at a later point, based on your convenience.
- In how many days is the biometric verification required?
Customer must visit the branch within 60 days of account opening for biometric verification; otherwise the account may be blocked.
- 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
- 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
PayPak Debit Card is free and will be offered by default on all accounts. 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?
Video based KYC is mandatory for all Politically Exposed Persons` Account applications.
- 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.