AL Habib at Work

Salary Account
Digital Advance Salary

AL Habib At Work is a comprehensive banking solution designed to cater to both employers (businesses) and their employees. It is suitable for large and mid size companies as well as small businesses operating with a sizable payroll. Be it, convenient on-site account opening, quick debit card delivery, an exclusive array of account privileges or seamless digital salary payment solutions, all features are designed to elevate the banking experience for both employers and their dedicated workforce.

Key Features

No Initial Deposit or Minimum Balance Requirement

On Site Account Opening & Debit Card Delivery

Free AL Habib Mobile & Netbanking Facility

Free Debit Card Issuance And Annual Fees* (VISA, Union Pay & PayPak as per salary bracket)

Free First Cheque Book (10 Leaves)

Free Bankers Cheques (up to 5 per month)

Free ATM Cash Withdrawals From Any Bank’s ATM Across Pakistan

Free Inter Bank Funds Transfers

Exclusive Insurance/Takaful Coverage*

Consumer Banking Offering on Special Terms (Auto Financing, Motorcycle Financing & Solar Financing)

*Terms and Conditions apply

Complimentary Insurance/Takaful

Bank AL Habib offers the following Financial Protection and complimentary Insurance/Takaful benefits to all eligible AL Habib At Work account holders.

ATM Cash Withdrawal Protection
Coverage against loss of cash by way of theft and / or armed holdup, forced deprivation of cash from the possession of the plastic Card holder whilst withdrawal from an ATM in Pakistan. Coverage is upto per day cash withdrawal limit of the respective debit card and is applicable within a radius of one kilometer or within the prescribed time limit of one hour from the time of ATM cash withdrawal (whichever comes first)
Death and Permanent Total Disability Coverage

Insurance/Takaful coverage incase of Death, Permanent Total Disability upto PKR 1,000,000. Incase of Accidental Death, coverage shall be upto PKR 2,000,000

Insurance/Takaful coverage is offered in collaboration with Insurance Service Providers and is subject to applicable Terms & Conditions.

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

AL Habib Digital Advance Salary is a fully end-to-end digital financing solution, designed for employees of approved organizations enrolled under the AL Habib At Work program with Bank AL Habib Limited. Through the Bank AL Habib Mobile App, eligible employees can instantly access funds to meet urgent financial needs anytime, without any manual intervention or branch visit.

Key Features & Eligibility Criteria

Eligible employees may access up to 40% of their net take-home salary, subject to an aggregate Debt Burden Ratio (DBR) not exceeding 40% inclusive of all existing financings
Financing amounts ranging from PKR 5,000 to PKR 300,000.
Instant disbursement of loan amount directly into Bank AL Habib At Work salary account.
Minimum 6 months of salary relationship with Bank AL Habib under the AL Habib At Work arrangement.
Minimum service charges per transaction
Automatic repayment on the salary credit or the financing due date, whichever occurs earlier.
Option for early repayment at any time before the due date.
Approved financing limit may be utilized through multiple withdrawals before salary/due date, not exceeding the approved limit

*Terms and Conditions apply