Apni Car

AL Habib SMS Banking

Direct Debit Facility

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 for Foreign National 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 Foreign Nationals Tutorial AL Habib Roshan Digital Account User Guide Please Download The User Guide For Roshan Digital Account Opening Process. Download Now

Disclaimer

While Bank AL Habib Limited provides the information on this server to anyone, we retain copyright on all text and graphic images. This means that you without our prior written permission shall not: distribute the text or graphics to others; voluntarily "mirror" or include this information on your own server or documents; modify or reuse the text or graphics on this system.You shall NOT use HTML development tools, robots, spiders and other crawling, caching, retrieval devices to store in whole or in part any information under the domain www.bankalhabib.com without prior written permission. Information shall not be used to reverse engineering and/or reuse, resale etc.You MAY: print copies of the information for your own personal use; store the files on your own computer for your personal use only. Commercial organizations are not allowed to store and/or save these HTML pages for their personal use. Bank AL Habib Limited, reserves all rights to have recourse to legal proceedings in case of infringements of any of the conditions herein contained. Other manufacturers' product and service names profiled herein are trademarks and service marks of their respective companies.The information, text, graphics, and links provided herein are provided by Bank AL Habib Limited as a convenience to its customers/site visitors. Bank AL Habib Limited does not warrant the accuracy, or completeness of the information, text, graphics, links, and other items contained on this server or any other server nor do we endorse external sites.Information and documents provided on this Web site are provided "as is" without warranty of any kind, either express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, and non-infringement. Bank AL Habib Limited uses reasonable efforts to include accurate and up-to-date information on this Web site; it does not, however, make any warranties or representations as to its accuracy or completeness.Bank AL Habib Limited periodically adds, changes, improves, or updates the information and documents on this Web site without notice. Bank AL Habib Limited assumes no liability or responsibility for any errors or omissions in the content of our Web site. The use of this Web site you is at your own risk. Under no circumstances Bank AL Habib Limited, its suppliers, principals, affiliates, or any other party involved in creating, producing, or delivering this Web site's contents shall be liable to you or any other person for any direct, indirect, special, incidental, or consequential damages arising from your access to, or use of, this Web site.Bank AL Habib Limited provides links and/or access to links from it's web site to other external web sites. This can result to an increase in web traffic on hyper linked (external) site. If your site is hyper linked from our web site and you wish to remove this link, please email us. All links will be removed only when originating mail is received from the webmaster of the hyper linked domain.Bank AL Habib Limited periodically shares its mailing list with its affiliates, clients and/or commercial entities whom we expect will exercise responsibility when using the list. On certain pages, you may be required to enter your personal information, which would be required for purposes of dispatch of information, product material, and/or software to you, or this information may be used for purposes of registration and/or site statistics. Please note that by having access to this site and entering your information, you have agreed that Bank AL Habib Limited can/will share its mailing lists with external entities.All downloads from this site and/or other hyper linked sites are governed by the License Agreement with the accompanying software (if any). User is solely responsible for adhering to the License Agreement. Bank AL Habib Limited provides all the files in its download section on an `As is where is´ basis. Bank AL Habib Limited does not warrant accuracy of the information contained in the document downloaded.All internal white papers, documents, specifications, prices, and other business functionary matter are non-binding.All other trademarks and service marks are properties of their respective holders.

Bank on Wheels - Mobile Banking Unit

Introducing Bank on Wheels, our mobile banking unit to make banking more accessible and convenient. The initiative aims to increase financial inclusion through delivery of financial services to areas where there are no bank branches such as hospitals, universities/colleges, rural areas, villages, calamity struck areas, emergency situations, or special events like exhibitions and festivals. Services for Everyone ATM Facility Utility Bill Payments Fee Collection Home RemittanceServices Services Exclusively for Bank AL Habib Customers Cheque Deposit (Transfer Cheques only) Online Funds Transfer (BAHL to BAHL) Cash deposit in BAHL Account .Summary_Middle .LargeText { font-size: 24px; line-height: normal; display: block; } .d-inline-block.icon-wrap{ width:75px; } .d-inline-block.icon-wrap img{ width:100%; }

Investor Portfolio Securities (IPS) Account

Introduction Customers willing to invest in the government securities are required to open an IPS account with the Bank. This account is offered to all categories of customers (individuals and institutions) who can make investments through their respective branches. The Bank will facilitate the customers by way of handling their investment portfolio in Government Securities and holding them within its Subsidiary General Ledger Account (SGLA) with the State Bank of Pakistan. Product Features SBP has allowed following three types of securities to be maintained in SGLA: Market Treasury Bills (T Bills) Denomination: Issued in multiples of PKR 5,000 Tenors: 3, 6 and 12 months Issued at discount MTBs are issued in a scrip less (without physical) form Zakat: No compulsory deduction of Zakat at source Pakistan Investment Bonds (PIBs) Denomination: Issued in multiples of PKR 100,000 Tenors: 2, 3, 5, 10, 20 and 30 years Coupon rate: fixed and floating Coupon payment: Quarterly & Semi annual Zakat: No compulsory deduction of Zakat at source Government of Pakistan (GOP) Ijara Sukuks Denomination: Issued in multiples of PKR 100,000 Tenors: 1, 3, 5 and 7 years Coupon rate: floating & Semi annual GOP Ijara Sukuk are issued in a scrip less (without physical) form Zakat: No compulsory deduction of Zakat at source Customers are advised to contact their Branch Manager / Operations Manager to obtain the current price / rate of government securities Eligibility Criteria The customer requesting for an IPS account is required to have a current/ savings account with the Bank. The IPS account of the customer is opened with the same account title, details and conditions as of the current/ savings account The customer will pay applicable charges on IPS account transactions as specified in the Bank’s schedule of charges. Further, Account maintenance fee will also be recovered at the start of each month from the customer’s account Documents Required Application/letter from customer to open an account Account Opening Form Duly filled by the customer CNIC copy of the account holder(s) / directors / trustees Board resolution with company’s seal as prescribed in the IPS account opening form (for corporates) List of signatories to open and operate the account with specimen signatures (for corporates) Valid Tax Exemption Certificate (if applicable) .contentSection ul li { line-height: 1.5; } .bgPosBtmLeft { background-position: center center !important; }

Value Added Services

AL Habib Woman Debit Card

Roshan Mutual Funds

AL Habib Roshan Digital Account (RDA) holders can now invest digitally in Roshan Mutual Funds from anywhere in the world. A wide range of investment funds are managed by AL Habib Asset Management Company (AMC) duly licensed by the Securities and Exchange Commission of Pakistan and approved by the State Bank of Pakistan for Overseas Pakistanis. To build investment portfolio for higher returns from the highly competitive Pakistan's Capital market. Apply Now Eligibility Roshan Digital Account Holders Key Features Opportunity to invest in the AL Habib Asset Management Company in Pakistan. Accounts are fully repatriable. 24/7 Assistance through Roshan Digital Unit (RDU) Professional and Dedicated Fund Managers Team of AL Habib AMC. Access to one of the wide range of products which include: S.no Name of Fund Fund Category 01. AL Habib Cash Fund (Formally First Habib Cash Fund) Money Market 02. AL Habib Income Fund (Formally First Habib Income Fund) Income 03. AL Habib Islamic Income Fund (Formally First Habib Islamic Income Fund) Shariah Compliant Income 04. AL Habib Asset Allocation Fund (Formally First Habib Asset Allocation Fund) Asset Allocation 05. AL Habib Stock Fund (Formally First Habib Stock Fund) Equity 06. AL Habib Islamic Stock Fund (Formally First Habib Islamic Stock Fund) Shariah Compliant Equity 07. AL Habib Money Market Fund Money Market 08. AL Habib Islamic Cash Fund Shariah Compliant Money Market 09. AL Habib Islamic Savings Fund Shariah Compliant Income 10. Voluntary Pension Scheme Fund VPS (Islamic & Conventional) Procedure for Investment in Mutual Funds Once investment account is opened, the investor may then transfer investments through Bank AL Habib’s Internet Banking from registered AL Habib Roshan Digital Account. AL Habib Asset management will send account statement and investment acknowledgment letter to the investor once the investment is processed. Steps for Investment in Mutual Funds Through the RDA Portal Following steps will be required for investment in Mutual Funds through the RDA portal: Visit the RDA portal, select Mutual Funds Investment Icon. Provide basic information (Account Number, Mobile Number, Email Address) and OTP sent to your registered email address.) Note: In case you do not receive the OTP, please select the Re-generate OTP option. Enter the OTP after successful validation, details will be auto populated from your existing AL Habib Roshan Digital Account (RDA) You may now select the Fund from the list and invest in Funds of your choice, no Restriction on investment from conventional to Islamic (vice versa) The customer will provide the following details Frequency of Statement (Monthly / Annually) Dividend Payout ( Reinvestment / Cash) Tick mark the following Terms and Conditions Undertaking Upon successful completion of request payment will be made through your AL Habib Roshan Digital Account You will receive a confirmation email and Login Credentials from AL Habib Asset Management on your registered email. Procedure for Redemption / Conversion in Mutual Funds The Investor can directly file redemptions / conversions through digital channels of Bank AL Habib and AL Habib Asset Management. Payment against redemptions shall be credited into the registered AL Habib Roshan Digital Account Only.