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Stock Market At Your Doorstep

Bank AL Habib introduces Gateway to Equity Market “GEM” to facilitate customers who are interested in investing their surplus funds in shares/securities through designated and registered TREC Holders / Brokerage Houses.

“GEM” is being offered to all Bank AL Habib customers having conventional, saving and current accounts. “GEM Linked Account” will be opened alongside customer’s existing bank account, for facilitating investment in shares, settlement of trades and custodial services.

Registration Through Branches

Key Features
  • Facility available to all Bank AL Habib saving and current account customers.
  • One window operation (Facilitating Investment in Shares, Settlement of Trades and Custodial Services).
  • User friendly, fully automated and integrated system.
  • Profit on Idle funds in GEM Linked Account (opened alongside saving accounts).
  • Convenient Top up / Withdrawal of Funds and Balance Inquiry (Shares and Funds) through Web Portal and Contact Centre (IVR).
  • Safe and secure custodial services.
  • No minimum balance requirement for opening of GEM Linked Account.
  • GEM Linked Account transactional alert through SMS and email.

Accounts/Products Eligible for GEM Facility

Saving Accounts

Monthly Saver Account
Senior Citizen Account
Pensioners Saving Account
PLS Saver

Current Accounts

Current Plus Account
Current Account
Apna Individual Current


Frequently Asked Questions

  • What is Gateway to Equity Market (GEM)?

    GEM facilitates customers for investment in Equity Market (shares / securities) through designated and registered TREC holders / Brokerage houses of Pakistan Stock Exchange, settlement of trades and custodial services.

  • Any customer / potential prospects across the Globe who maintains singly operated base account at any of the Bank AL Habib Limited Branches, can open GEM Account.

    List of Account / Product is as follows:
    Saving Accounts

    • Monthly Saver Account

    • Senior Citizen Account

    • PLS Saver

    • Pensioners Saving Account

    • Enhanced Saving Account

    • Asaan Account

    • Current Account

    • Apna Current Account

    • Current Deposit

  • There are three types of AOFs required to be filled by customer.
    a) GEM Linked AOF:
    • This is non-checking linked account opened under customer’s base account.

    • Customer can Top up / Withdraw funds to and from GEM Linked Account to Base Account through GEM Portal.

    • Through Automated System, Login ID and Password are sent to the customer at the registered email address and can also operate through IVR through Call center (TPIN provided through email).

    BAHL CDC Sub Account:

    After completing this form, BAHL will open customer’s CDC Sub Account with Bank AL Habib Limited, thus providing safe and secure custodial services.
    All traded shares / securities will be kept with Bank AL Habib Limited.

    c) Brokerage House Trading Account Opening Forms:
    • after completing this form, customer’s trading account will be opened by Brokerage House.

    • Broker will send Login ID and Password to customer through registered email address through which customer can execute online Purchase and sell transactions.

    • Customer will get Research Reports from Brokerage House after registration

    • Customer can also call Brokerage House on given numbers 021-32270804-08 and place order (buy / sell transaction) after necessary verification, and may seek guidance from the sales team at the Brokerage House.

  • There is no minimum balance requirement. However there is only one time account opening charge.

  • Those funds which are unutilized and are available in customer’s GEM linked account will be facilitated with saving basic rate, if it is opened alongside saving account.

  • Customer can directly call our call center 111-014-014 and after moving through the language interface dial 7 for GEM Module and GEM Call Center Agent.