Trade Services

International and domestic trade is highly complex and involves a web of intricate risks. Trade Finance delivers fast, efficient, reliable and comprehensive solutions for every stage of a client's trade value chain to support their foreign trade activities Trade Services Bank AL Habib Ltd has been offering its expertise and experience in Trade Finance to its customers since its inception. It is one of the leading Trade Finance bank of Pakistan. The bank maintains a global network of correspondent banks in addition to its network of local and overseas offices; which are strategically placed to support the domestic, regional and global trade finance requirements of its customers. It provides an entire range of trade finance services which includes import and export activities such as issuing of Letters of Credit, purchasing export documents, providing guarantees and other support services to facilitate your trading business needs. Assistance We assist businesses to trade overseas securely and cost effectively. We offer import and export businesses access to guarantees, global payments, trade finance and foreign exchange services, as well as providing expert technical assistance to help you gain from international opportunities. Imports Establishment of Import Letter of Credit. (Inland & Foreign) Import Collections Import Contract Registration Open Account Transactions

Guarantees

Foreign Bank Guarantees Upon the request of our customers and against collaterals and limits accorded to them subject to approval of our Central Bank (if required), we issue Counter Guarantees ( SBLCs, Performance Bonds, Bid Bonds and Advance Payment Guarantees etc) to our Foreign Correspondent Banks. Against Counter Guarantees of Foreign banks we issue our Guarantees to beneficiaries in Pakistan. It is based on the concept that the issuer undertakes to pay the beneficiary upon presentation of complying demand.

AL Habib FX Gateway

Introduction AL Habib FX Gateway is specifically designed to cater to customers growing need of digitization with respect to Foreign Exchange (FX) cases. This portal provides a single screen to meet all our customers’ needs for submitting FX cases enabling enhanced customer experience and providing ease to initiate FX related cases without having to visit any branch. This user guide contains instructions regarding the procedure to sign up and initiate the cases. Click here to download the user guide. FX Gateway Login FX Portal Awareness and User Feedback Survey Downloads FX Telegraphic Transfer Forms FX Telegraphic Transfer Form For Individuals FX Telegraphic Transfer Form For Entities

AL Habib Roshan Digital Account

Introduction AL Habib Roshan Digital Accounts provide a seamless and secure banking experience for individuals and businesses residing abroad. Designed to connect you with Pakistan’s banking ecosystem, these accounts enable you to manage your finances, invest, and recieve remittances conveniently from anywhere in the world. Whether you are a Non-Resident Pakistani or a foreign national, we offer account options from personal banking solutions to business accounts, Roshan Digital Accounts empower you with flexibility, accessibility, security and complete digital control. AL Habib Roshan Digital Account for Non Resident Pakistani AL Habib Roshan Digital Account for Foreign Nationals AL Habib Roshan Digital Business Account a.btn.btn-primary.btn-lg{ box-shadow:3px 3px 5px 0px #bbb; }

RDA Service Request Form

Roshan Digital Service Form allows Roshan Digital Account holders to request the following services: Fund Transfer Payment of Utility Bills Issuance of Banker’s Cheque, Foreign Demand Draft and Foreign Telegraphic Transfer Cash Withdrawal Cheque Book Request You can nominate a person to collect the requested cash withdrawal or bankers Cheque. Filled and signed forms are required to be emailed to us at rda@bankalhabib.com Our representative will contact you to process your request further. For customers requesting services for the first time would be required to submit the following indemnity form along with the services form. Apply Now Service Request Form Email Indemnity for RDA Transactions For all future requests indemnity form will not be required

Rewards Program

Introduction Earn Reward Points with every PKR. 50 (or equivalent foreign currency) purchases on Basic or Supplementary Cards. Redeeming your Reward Points for desired items or services is quick and easy. Choose from a wide variety and options available at our Reward Points Redemption Partners. Only 2500 Reward Points are required to embark on the redemption journey. Just call our Helpline for redemption. Program Details Monetary value of Reward Points is Rs 0.10 per Rs 50 of retail spend, on all outstanding points. FOREX Premium Charges on all foreign retail transactions is 4.5%. How To Redeem Reward Points Download Reward Redemption Form Download Scan and Email it to info@bankalhabib.com Call us at our Helpline (021) 111-014-014 Reward Points Calculator Submit Captcha is required Points Earned Value of Points (in PKR)

Roshan Equity Investment

AL Habib Roshan Digital Business Account

Introduction AL Habib Roshan Digital Business Account is designed to empower Non-Resident Pakistanis and Foreign Nationals seeking to invest in Pakistan with ease. This fully digital account provides a seamless gateway to Pakistan’s financial ecosystem, enabling businesses to conduct transactions, manage funds, and access growth opportunities remotely. With a streamlined onboarding process, secure banking channels, the account offers convenience, flexibility, and efficiency for global entrepreneurs. Manage and invest your business finances in Pakistan anytime, anywhere without the need for physical presence. View Details View Details Other Investment Opportunities View Details RoshanSurvey Form View Details RoshanService Request Form View Details Product Features Free E-Statements Cheque Book Facility Digital Banking for Non-Residents 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 account 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, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment, Government registered debt securities etc. Account can be fed by Foreign Inward Remittances originating from the account holder themselves & other formal SWIFT Account is fully repatriable 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 Business Account fees & charges, click below to download the detailed KFS Download Current Account KFS Download Saving Account KFS How to Open Roshan Digital Business Account The following steps are required to open the Roshan Digital Business Account in Pakistan: Provide Business Information. Enter the OTP received on your email address & provide the account opening information. Provide details of all natural persons associated with the business. Choose the type of Digital Account: A Foreign Currency Account or a Pak Rupee Account. Upload the documents mentioned in "required documents" and a Live Photo. Receive confirmation in the provided email with a reference number. The account opening confirmation will be emailed within 5 working days. Documents Required for Roshan Digital Business Account Registration The following scanned documents are required for the registration of AL Habib Roshan Digital Account in Pakistan: Documents for Directors/Person Authorized to Operate the Account: Identity documents (Foreign ID card/CNIC, SNIC, NICOP, POC) must be valid or Scanned original Passport 1st & 2nd page. Specimen Signature (on white plain paper) Documents for Company: Registration Certificate Verification link or details of registration certificate (if any) By-Laws / Memorandum of Association / Article of Assosciation / Partnership Deed / Trust Deed / Relevant Incorporation etc Company Profile along with concern Directors & Stakeholders Tax Certificate / Declaration / Exemption Existing Bank Account Verification Certificate Board Resolution / Authority Letter Signatories Sign with T&C Consent ID documents of all Natural persons. Before Getting Started Filling out the account opening form will approximately take 10-15 minutes. After gathering the Required Documents, you will need to scan and upload them. You will also need access to a webcam so that your live photo can be captured. All fields are mandatory. You will have to acknowledge the declaration to proceed to the 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 Business Account User Guide Please Download The User Guide For Roshan Digital Business 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;} × Disclaimer × Dear Valued Customer, The request for Qurbani is subject to the availability of sacrificial animals with the service provider. The Bank reserves the right to cancel the request based on non-availability of sacrificial animals. Roshan Digital Unit Bank AL Habib Limited Proceed .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; } .roshan-linked-tabs { background: #fff; display: block; border-radius: 15px; height: 100%; padding: 10px; box-shadow: 0 0 10px 0 #eee; border: 1px solid #eee; transition: all .5s; } .logoCarouselImg { height: 125px; width: 100%; position: relative; } .iconCarouselImg { position: relative; } .iconCarouselImg { height: 90px !important; width: 100% !important; } .iconCarouselImg { width: 100px; height: 110px; position: relative; } .logoCarouselImg img { position: absolute; top: 0; bottom: 0; left: 0; right: 0; margin: auto; max-width: 100%; } .roshan-linked-tabs:hover { text-decoration: none; box-shadow: inset 0 0 45px 0 #ddd; } h4.mt-0.mt-md-4.display-3 { font-size: 0.8rem !important; margin-top: 0 !important; } h1.caption-heading.mt-md-5 { margin-top: 0 !important; } .iconCarouselImg img{width: 65px;}

Other Information

“Membership of industry associations and trade bodies of the Bank are KCCI, PBA and 1Link.” “Award of Recognition, 2010” from International Finance Corporation (IFC) as the Most Active GTFP (Global Trade Finance Program) Issuing Bank in Middle East & North Africa for “South-South” Trade. This is the second consecutive year that the Bank received an award from IFC in recognition of participation in GTFP. “The Strongest Bank Balance Sheet in Pakistan, 2013” by The Asian Banker. This certification is based on the strength, liquidity and sustainability of the balance sheet in a challenging market place. “TFP Award 2017” from Asian Development Bank (ADB). The Bank has received Trade Finance Program Award for leading Partner Bank in Pakistan 2017. “Bank of the Year (Mid-Size Banks) 2017” by CFA Society Pakistan. This is the sixth time that the Bank has received this award, having received it earlier for the years 2009, 2010, 2011, 2012 and 2016. “Top 25 Companies Award” for the year 2017 and “Top 25 Companies Award” for the year 2019 by the Pakistan Stock Exchange Limited. Criteria for the award include dividend payout, capital efficiency, profitability, free-float of shares, transparency, corporate governance & investor relation and compliance with listing of companies & securities regulations. Alhamdolillah, this is the eighth time that the Bank has been selected for this award. 

AL Habib Roshan Digital Account for Foreign Nationals

Introduction The Roshan Digital Account for Foreign National Individuals offers a convenient and fully digital banking solution for individuals looking to access Pakistan’s financial system. Whether you wish to invest, remit funds, or manage your finances in Pakistan, this account enables you to do so seamlessly from anywhere in the world. With a simplified digital onboarding process, secure transactions, and access to a range of banking and investment opportunities, this account is designed to provide ease, transparency, and flexibility. Experience hassle-free banking and explore financial opportunities in Pakistan with confidence. View Details View Details View Details Other Investment Opportunities View Details RoshanSurvey Form View Details RoshanService Request Form View Details Product Features Free E-Statements Cheque Book Facility Digital Banking for Non-Residents 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, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment, Government registered debt securities 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 Monthly Profit Payout on Savings Accounts 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 Saving Account KFS How to Open Roshan Digital Account for Foreign Nationals The following steps are required to open the Roshan Digital Account (RDA) in Pakistan: 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 the documents mentioned in "required documents" and a Live Photo. Receive confirmation in the provided email with a reference number. The account opening confirmation will be emailed within 2 working days. Documents Required for Roshan Digital Account Registration The following scanned documents are required for the registration of AL Habib Roshan Digital Account in Pakistan: Customer's Foreign ID Card Customer Passport (first 2 pages) Specimen Signature (scanned on a white page) 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 letterhead or bank account statement, etc.) Live Photograph Before Getting Started Filling out the account opening form will approximately take 10-15 minutes. After gathering the Required Documents, you will need to scan and upload them. You will also need access to a webcam so that your live photo can be captured. All fields are mandatory. You will have to acknowledge the declaration to proceed to the 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 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;} × Disclaimer × Dear Valued Customer, The request for Qurbani is subject to the availability of sacrificial animals with the service provider. The Bank reserves the right to cancel the request based on non-availability of sacrificial animals. Roshan Digital Unit Bank AL Habib Limited Proceed .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; } .roshan-linked-tabs { background: #fff; display: block; border-radius: 15px; height: 100%; padding: 10px; box-shadow: 0 0 10px 0 #eee; border: 1px solid #eee; transition: all .5s; } .logoCarouselImg { height: 125px; width: 100%; position: relative; } .iconCarouselImg { position: relative; } .iconCarouselImg { height: 90px !important; width: 100% !important; } .logoCarouselImg img { position: absolute; top: 0; bottom: 0; left: 0; right: 0; margin: auto; max-width: 100%; } .roshan-linked-tabs:hover { text-decoration: none; box-shadow: inset 0 0 45px 0 #ddd; } h4.mt-0.mt-md-4.display-3 { font-size: 0.8rem !important; margin-top: 0 !important; } h1.caption-heading.mt-md-5 { margin-top: 0 !important; } .iconCarouselImg img{width: 65px;}