AL Habib Mobile

National Financial Literacy Program (NFLP)

Introduction Financial literacy is crucial for individuals to make informed decisions about their money and achieve financial wellness. In Pakistan, the need for financial literacy and wellness is more important than ever. Financial literacy leads to financial inclusion, which is defined as access to formal financial services by individuals & firms to use a range of quality payments, savings, credit and insurance services which meet their needs with dignity and fairness. State Bank of Pakistan launched National Financial Literacy Program (NFLP) to promote financial inclusion through spreading financial education for inclusive economic growth and stability across the country. Bank AL Habib is engaged in empowering citizens to make informed financial decisions through its products, services, and financial literacy initiatives. Enabling Financial Wellness Budgeting Saving Retirement Planning Budgeting Creating and sticking to a budget is essential to achieving financial wellness. In Pakistan, where the average household income is around PKR 45,000 per month, budgeting can help individuals manage their finances effectively. How can you budget? Start by calculating your monthly income and expense Categorize your expenses into fixed and variable Set financial goals and prioritize your spending Use budgeting apps or spreadsheets to track your expenses Saving Saving is a critical component of financial wellness. However, in Pakistan, where the savings rate is only 10.2% of the GDP, it is essential to understand the benefits of saving and develop a saving habit. How can you save on a limited budget? Start by setting realistic saving goals Automate your savings by setting up a standing order Cut down on unnecessary expenses Explore investment options such as savings accounts, fixed deposits, and mutual funds Retirement planning Retirement planning is essential for long-term financial wellness. In Pakistan, where only 10% of the population has a pension plan, it is important to start planning for retirement early. Here are some tips and tricks for retirement planning: Calculate your retirement needs and set retirement goals Start saving for retirement as early as possible Explore retirement plans such as pension plans and individual retirement accounts Review your retirement plan regularly Bank AL Habib`s Initiatives for Your Financial Wellness Current Accounts We offer an array of products and services that help you meet your financial needs. Our current check-in accounts are an ideal option for your day-to-day banking needs. Learn more about our current accounts by clicking here. Saving Accounts Saving accounts provide a convenient option for customers to attain return on savings and an additional monthly income. You can view saving accounts by clicking here. AL Habib Mobile App & Netbanking Facility AL Habib Mobile App allows you to bank on the go. To track your spending, check your transactions through the quick-view of the E statement facility. Use Bookme.pk to reserve participation in lifestyle activities, and save through exclusive deals. Transfer your funds to others and pay bills conveniently without using cash or visiting the Bank branch. Digital Accounts & Account Opening Facility We offer a convenient way to open your bank account digitally in a few simple steps. To open your account digitally, click here National Financial Literacy Program - NFLP Activities With the aim to understand monetary principles, financial products/services, and cultivating positive attitudes toward economic well-being, Bank AL Habib is dedicated to promote financial literacy within the middle and low-income households of Pakistan. Through a series of Classroom Sessions and Street Theaters, in-house trainers are disseminating financial knowledge among the masses and imparting essential financial concepts. This effort has engaged over 8,000 participants encompassing both males and females, opening more than 4,000 accounts during Phase II of the program. Notably, this initiative has led to the active involvement of over 3,500 females, with more than 1,000 females successfully opening their own accounts. View Gallery National Financial Literacy Program (NFLP) Phase II Year 3 The third year of Phase II of the National Financial Literacy Program (NFLP) has commenced, and Bank AL Habib Ltd. has been assigned its targets for this year. Along with classroom sessions and street theaters at the district level, a key focus of this phase is reaching the unbanked population with our simple and seamless digital banking services such as digital account opening process. For more details, please refer to the table below for our targets for FY 2024-2025. NFLP-II Targets for FY2024-25 Districts Classroom Sessions Street Theaters No. of Sessions Beneficiaries No. of Sessions Beneficiaries 36 271 6775 51 3825 Pakistan Financial Literacy Week 2025 Pakistan Financial Literacy Week (PFLW) is dedicated to advancing financial inclusion and literacy. Through a collaborative effort between Bank AL Habib and the State Bank of Pakistan (SBP), PFLW will take place from 14th-18th April, 2025, under the theme "Financial Literacy through Collaboration and Innovation." The objectives of Pakistan Financial Literacy Week (PFLW) are as follows: Promote the adoption of Digital Financial Services to enhance accessibility and convenience. Empower individuals by providing them with the necessary knowledge and skills to make informed financial decisions. Highlight the importance of Financial Education in ensuring financial well-being and security. Foster collaboration among stakeholders to create a more inclusive and resilient financial ecosystem. The following section provides a day-wise breakdown of activities to be conducted during NFLP Week 2025: Day 1: Financial Literacy Camps Day 2: On- Campus Workshops and awareness activities Day 3: Visits at bank branches Day 4: Employee Engagement Activities Day 5: Financial Literacy Walk Click here to download the PFLW Camp Locations. .btn-primary:not(:disabled):not(.disabled):active, .btn-primary:not(:disabled):not(.disabled).active, .show > .btn-primary.dropdown-toggle { border-color: #008b4d; } .nav-pills .nav-link.active, .nav-pills .show > .nav-link { color: #fff; background-color: #00a25a !important; }

Signature

Term Deposit

Fixed Term Deposit Salient Features Minimum Investment of PKR 25,000/- Available in Tenure of 1 Month, 2 Month, 3 Month, 6 Month & 1 to 5 Years Up to 90% Financing against Deposit Available Pre mature Encashment option available Profit payment frequency at maturity for 1, 2, 3 & 6 months. For 1 to 5 Year, profit payment frequency is annual Indicative Rates of Profit on Fixed Deposit Schemes 1 Month Deposit 9.00% p.a 3 Months Deposit 8.50% p.a 6 Months Deposit 8.00% p.a 1 Year Deposit 10.50% p.a 2 Year Deposit 8.60% p.a 3 Year Deposit 8.60% p.a 4 Year Deposit 8.60% p.a 5 Year Deposit 8.60% p.a On premature encashment, profit will be calculated as per rate of last nearest completed tenure while profit on the remaining number of days deposit held, will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit *Expected Rate of Return on deposit effective May 20, 2025. (The Indicative rate of profit on deposit schemes are subject to change) Book A Fixed Term Deposit Visit nearest Bank AL Habib Branch or download form online and submit the duly completed form with all supporting documents. Download Form Download KFS All taxes will be imposed as per government regulation and directives by State Bank of Pakistan. Apply Now

Financial Institutions

Documentary Letter of Credits Export LCs - Advising, Adding Confirmation, Negotiation, Discounting. Import LCs – Issuance of Import LCs. Correspondent Banks NOSTRO Accounts and Routing Detail for Remittances Bank AL Habib Ltd - Pakistan Account List Routing Detail Of Different Currencies

Credit Cards

Overview AL Habib Credit Card, Your Trustworthy Companion Bank AL Habib offers a choice of Classic and Gold Credit Cards to its existing account holders. Enjoy financial freedom as you can buy now and pay later at your convenience. There are up to 51 credit-free days. Choose the Card that suits your lifestyle. Apply Now 3D Secure View Details Get up to 3 Free Supplementary Cards View Details RevolvingFacility View Details Convenient Payment Modes View Details .hide_on_credit{display:none;} .min-height-issue{min-height:75px; white-space: inherit !important; overflow: inherit !important;}

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

Roshan Samaaji Khidmat

Investment Opportunities

Fixed Term Deposit (TDR) Foreign Currency (FCY) Term Deposits AL Habib Special Saver (TDR) AL Habib Mahana Munafa (TDR) AL Habib Salana Munafa (TDR) Real Estate Investment Fixed Term Deposit No penalty on Premature Encashment. Indicative Rates of Profit on Fixed Deposit Schemes 1 Month Deposit 9.00% p.a 3 Months Deposit 8.50% p.a 6 Months Deposit 8.00 p.a 1 Year Deposit 10.50 p.a 2 Year Deposit 8.60% p.a 3 Year Deposit 8.60% p.a 4 Year Deposit 8.60% p.a 5 Year Deposit 8.60% p.a On premature encashment, profit will be calculated as per rate of last nearest completed tenure while profit on the remaining number of days deposit held, will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit Download Form Download KFS RDA FCY Fixed Term Deposit Indicative rates of Profit on Fixed Deposit USD GBP EURO 1 Month 4.00% p.a 3 Months 4.15% p.a 6 Months 4.25% p.a 12 Months 4.50% p.a 1 Month 3.00% p.a 3 Months 3.15% p.a 6 Months 3.25% p.a 12 Months 3.50% p.a 1 Month 3.00% p.a 3 Months 3.15% p.a 6 Months 3.25% p.a 12 Months 3.50% p.a Key Features Available in tenures of 1,3,6 & 12 Months Invest from as low as $/£ /€ 100 Early encashment is allowed Tax & Zakat Exempted Download Form Download KFS AL Habib Special Saver Certificate Let your savings earn for you Bank AL Habib Special Saver Certificate has a term of 3 years; the profit is paid out every six months. Term Deposit certificates are popular with: Individuals (single or joint) Registered Partnership Public & Private Company Registered Trust Government Body etc. Applicable Indicative Rate of Profit First Year 8.50% p.a (1st & 2nd Profit Payment) Second Year 8.50% p.a (3rd & 4th Profit Payment) Third Year 8.50% p.a (5th & 6th Profit Payment) If the Term deposit is encashed before completing the tenure, the profit on the broken period/remaining number of days deposit held will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit. Rate without affecting profit paid previously. Expected Rate of Return on deposits is effective from May 06, 2025 payable after completion of every six months. (The Indicative rate of profit on deposit schemes are current and subject to change) Download Form Download KFS AL Habib Mahana Munafa Account Boost your monthly income AL Habib Mahana Munafa Account lets your earn high profits when you keep your savings for a fixed term. No more temptation to use the principal, just enjoy the monthly profits. High Returns Reliable and Convenient 1 Year Deposit 10.25% p.a 2 Year Deposit 8.50% p.a 3 Year Deposit 8.50% p.a 4 Year Deposit 8.50% p.a 5 Year Deposit 8.50% p.a * Expected Rate of Return on deposits effective May 06, 2025. (The Indicative rate of profit on deposit schemes are subject to change) Key Features Mahaha Munafa Account can be opened with PKR. 25,000/-. Profit paid on the 1st working day of each month. Deposit rolled over on maturity for same period at prevailing rates unless otherwise requested. Profit may be drawn through Cheque at any branch of Bank AL Habib or ATMs nationwide. Option available for premature encashment. On premature encashment, profit will be calculated as per rate of last nearest completed tenure while profit on the remaining number of days deposit held, will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit. Download Form Download KFS AL Habib Salana Munafa Account Augment your yearly income Bank AL Habib Salana Munafa Account lets your earn high profits when you keep your savings for a fixed term. So no more temptation to use the principal, just enjoy the annual profits.Indicative Rate of Profit 10.50% p.a * Expected Rate of Return on deposits effective 01 January, 2025. (The Indicative rate of profit on deposit schemes are subject to change) Key Features Minimum investment of PKR, 25,000/-. Deposit rolled over on maturity for same period at prevailing rates unless otherwise requested. If the Term deposit is encashed before completing the tenure, the profit on the broken period/remaining number of days deposit held will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit Download Form Download KFS Investment in Real Estate Bank AL Habib Roshan Digital Account holders are now empowered to invest their funds digitally in commercial and residential real estate in Pakistan with ease and convenience. Direct Investment Registered Scheme Salient Features Direct Investment Investment in Registered Schemes Easy & Convenient Payment Options Relaxation in taxes Easy Repatriation of Funds Anytime (Terms & Conditions apply) .termdepositIcon.termdeposit-1 { background-image: url('https://www.bankalhabib.com/app/bahl/assets/addons/bahl/bahl/bahl_theme-theme/resources/images/gem-01.svg?v=1584024243'); } .termdepositIcon.termdeposit-11 { background-image: url('/files/images/gem-icon.svg'); } .termdepositIcon.termdeposit-2 { background-image: url('/files/images/COVID19-icons-05.svg'); } .termdepositIcon.termdeposit-3 { background-image: url('/files/images/COVID19-icons-04.svg'); } .termdepositIcon.termdeposit-4 { background-image: url('/files/images/mahana_munafa.svg'); } .termdepositIcon.termdeposit-5 { background-image: url('/files/images/al_habib_salana_munafa.svg'); } .termdepositIcon.termdeposit-7 { background-image: url('/files/images/fixed_term_deposit.svg'); } .termdepositIcon.termdeposit-8 { background-image: url('/files/images/special_saver.svg'); } .termdepositIcon.termdeposit-9 { background-image: url('/files/images/fcy-termdeposit.svg'); } .social-section span { font-size: 33px; color: #15804f; vertical-align: middle; } .social-section strong { margin-right: 5px; vertical-align: middle; } .social-section a { display: inline-block; width: 40px; height: 40px; background: #15804f; border-radius: 50px; margin: 0 3px; vertical-align: middle; } .social-section a i { color: #fff; font-size: 40px; line-height: 40px; } .social-section a .icon-instagram { width: 40px; height: 40px; background-size: 70%; } .social-section a:hover { background: #fbb040; text-decoration: none; } .social-section a:hover .icon-instagram { background-image: url('/files/images/intagram-icon.svg'); } .schedule-txt { display: inline-block; padding: 12px 20px; background: #cccccc61; margin: 10px 0 25px 0; } .schedule-txt p { margin: 10px 0; } .schedule-txt strong { width: 200px; display: inline-block; } .atm-content { direction: ltr; text-align: left; } .table-responsive { display: table; } div.dataTables_wrapper div.dataTables_length select { font-family: gilroy; } table.dataTable thead .sorting:before, table.dataTable thead .sorting:after, table.dataTable thead .sorting_asc:before, table.dataTable thead .sorting_asc:after, table.dataTable thead .sorting_desc:before, table.dataTable thead .sorting_desc:after, table.dataTable thead .sorting_asc_disabled:before, table.dataTable thead .sorting_asc_disabled:after, table.dataTable thead .sorting_desc_disabled:before, table.dataTable thead .sorting_desc_disabled:after { bottom: 1.5em !important; } .contentSection ul li{line-height:1.5;} select.foreign-currency-dd { background: none; color: #fff; padding: 10px; border: 1px solid #fff; width: 250px; } .foreign-currency-dd option { background: none; color: #333; } @media screen and (max-width: 767px) { div.dataTables_wrapper div.dataTables_filter label { width: 100% } div.dataTables_wrapper div.dataTables_filter input { width: 84% !important; margin-bottom: 25px; } .dataTables_length { display: none; } div.dataTables_wrapper div.dataTables_paginate ul.pagination { justify-content: center !important; } .table-responsive { display: inherit; } } .bgPosBtmLeft { background-position: center center !important; }

3D Secure

Following Debit Cards and Credit Cards of Bank AL Habib are now protected by 3D Secure. Visa Debit Cards: Platinum, Gold, and Silver PayPak Debit Card Mastercard Credit Card: Classic & Gold 3D Secure is the latest technology aimed at improving online security through authentication of each transaction by the cardholder so that you use your card with more confidence and peace of mind. With this service, when you use your Bank AL Habib Debit or Credit Card on websites that display "MasterCard SecureCode” and “Visa Secure” sign respectively, you will receive a One-Time-Password (OTP) through SMS and email as you complete your transaction. To perform E-Commerce transactions on your cards, please call our 24/7 call center on (+92-21) 111-014-014 to activate the service. Note: E-Commerce per day transaction limits of VISA and PayPak Debit Cards is clubbed with POS limits. Click here to download Rules/Terms & Conditions Click here to download the PayPak 3D Secure - Merchant List 3D Secure Enablement Process 1 Shop online at any 3D Secure enabled website 2 Enter your Card details in payment section 3 You will receive an email (if available) and SMS with a unique 6-digit OTP 4 Enter the unique 6-digit OTP shared by the Bank 5 Upon submission, your transaction will be processed Disclaimer Bank AL Habib is indemnified against any and all actions, proceedings, liabilities, claims, losses, damages, costs and expenses incurred or sustained by Bank AL Habib in relation to or arising as a result of action of internet session. In case a non 3D Secure website is used to perform an online transaction, an OTP will not be generated and the liability for all reversals will reside with the merchant. Therefore, kindly avoid using non 3D secure websites. Bank AL Habib will never contact you asking for your Personal Information, Debit/Credit card number, PIN, OTP or CVV via Phone, SMS or email, and it will not be liable for any loss, damage, costs or expenses of any nature whatsoever arising from any disclosure that you make of the aforesaid information. Please contact our 24/7 call center on (+92-21) 111-014-014 to activate the e-commerce service on your card. .featureWrapper { display: inline-block; text-align:center; width:100%; } .featureWrapper .featureImg { padding-right: 0; text-align:center; height:100px; line-height:100px; margin-bottom:15px; } .featureWrapper .featureImg img { width: 20%; } span.step { /* float: left; */ width: 35px; height: 35px; background: #fbb040; line-height: 35px; text-align: center; display: block; margin: 0 auto 15px auto; font-weight: bold; font-size: 20px; border-radius:100%; } .bgPosBtmLeft { background-position: center center !important; }