AL Habib Roshan Digital Account

Introduction Bank AL Habib offers AL Habib Roshan Digital Account for Non-Resident Pakistanis (NRPs) and Foreign Nationals having a Pakistan Origin Card (POC) to open and manage a Pakistani bank account through Roshan Digital Account (RDA) in Bank AL Habib via an online digital platform. Bank AL Habib is the leading Roshan Digital Account service provider across the country that will facilitate overseas Pakistanis and expats with a simple, secure and convenient online digital account opening process which facilitates payments, investments and helps them avail various other banking facilities while being abroad. Bank AL Habib provides secure banking solutions for Non-Resident Pakistanis (NRPs) with the option to establish a Roshan Digital Account (RDA) to facilitate remittances for subsequent investments in securities via CDC, government-issued bonds, real estate and other permissible purposes outlined by the State Bank of Pakistan. Benefits of Roshan Digital Account If you are an overseas Pakistani looking for an easy way to manage your financial needs back home then the Roshan Digital Account offered by Bank AL Habib is tailored for the Pakistani diaspora. The current / savings accounts offered for overseas Pakistanis ensure that you stay connected to your financial interests in Pakistan without any hassle. The unparalleled support and RDA features are what makes Bank AL Habib Roshan Digital Account the best bank account for overseas Pakistanis and a reliable option to open a current / savings account in your homeland. View Details View Details View Details View Details View Details View Details View Details Other Investment Opportunities View Details RoshanSurvey Form View Details RoshanService Request Form View Details RoshanQurbani View Details Roshan DigitalAccount Tutorial View Details Premium Prize bond 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, Mutual Funds, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment 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 Free Life Insurance 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 Free Life and Disability Insurance Cover Salient features of the insurance policy are as under Claim is eligible after 30 Days of Account Opening Claims payable on 90 Days of Average Balance in Account Maximum Claim on Accidental Death - PKR 4 Million Maximum Claim on Natural Death / Permanent Disability - PKR 2 Million In a Joint Account, any one of the account holders is covered Age Limit - 18 to 60 Years Basis of Coverage The insurance coverage for each Member shall be equal to the last 90 days’ average balance Maximum Limit of the Roshan Digital Account will be PKR 2,000,000/- based on 90 days’ average balances provided to the insurance company equivalent to PKR using interbank dollar exchange rate. How to Open Roshan Digital Account for Overseas Pakistanis 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 CNIC / SNIC / NICOP / POC Customer Passport (first 2 pages, Pakistani and/or foreign / passport of another country) Specimen Signature (scanned on a white page) Proof of NRP status (e.g. copy of POC, visa entry/exit stamps, etc.) 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. We advise you to read the FAQs to get familiar with the product. You will also need access to a webcam so that your live photo can be captured. You may use the live chat feature in case you need any kind of assistance at any point. 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 Tutorials Singly Account Tutorial Joint Account Tutorial AL Habib Roshan Digital Account User Guide Please Download The User Guide For Roshan Digital Account Opening Process. Download Now × 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; } .mt25{margin-top: 25px !important;} .decimal ul{margin-left:15px;} .decimal ul li{list-style:decimal; padding-left:10px;} .decimal ul li::marker { color: #00a25a; font-weight: bold; }

Home Remittance

INTRODUCTION REMIT ACCOUNT REMITTANCE TRACKER SERVICES REMITTANCE PARTNERS SOHNI DHARTI AL Habib Remit Every year thousands of Pakistani expatriates open the door for foreign currency inflow to our country. These Home Remittances have now evolved as a key factor in supporting our country’s economy. Bank AL Habib Home Remittance Division is facilitating overseas Pakistanis around the globe and their loved ones in Pakistan by providing value-added services to remitters and beneficiaries under the special Home Remittance arrangements. AL Habib Remit Contact Details For any queries, information or complaints regarding our Home Remittance services, please feel free to contact our 24/7 Call Centre at (92-21) 111-014-014, for international customers dial 92-21-32446978-79 or Home Remittance Division at (92-21) 32417837 / 32472140 / 32473008 & 32480209 PABX: 0092 21 32480124 - 34 Ext: 119, 118, 113, 112, 114 & 116 or e-mail us at hroperations@bankalhabib.com

Housing Finance Options

Buying your own Home The product is offered to individuals who intend to buy already built residential property (house or apartment). Financing Criteria Financing is available from PKR 300,000 up-to PKR 100 million or up to 75-85% of the appraised value of a built-up house/apartment/land whichever is lower Financing period is from 1 to 25 years Disbursement as Bullet Payment (one time) Financing will be based upon verified net income of the applicant to ascertain repayment capacity Minimum income requirement for primary borrower is PKR 60,000 and co-borrower is PKR 30,000. Spouse, Father, Mother and Son can be made as co-borrower for income clubbing or property ownership No Charges for Early Settlement and Balloon Payment Repayment in equal monthly installments based on the tenure of financing Applicable Financing Rate For Salaried Individuals: 1 Year KIBOR+3% p.a Other than Salaried: 1 Year KIBOR+3.5% p.a Rate revision on each category will be on the loan anniversary. Construct Your Home Do you have a piece of land and want to Construct your Dream Home? This product is available for those who already own a plot and need funds to meet the construction cost. It also caters to customers who have already begun construction and have completed it up to a certain level but are short of funds to complete the construction. Financing Criteria Financing is available from PKR 300,000 up to PKR 50 Million or 100 % of Bill of Quantity (BOQ) or 70% of the construction cost and appraised land value whichever is lower Financing period from 1 to 25 years Minimum income requirement for primary borrower is PKR 60,000 and co-borrower is PKR 30,000. Only Spouse can be made as co-borrower for income clubbing or property ownership Disbursement of Payment in three stages as follows: Plinth Stage 30% Structure completion 30% Finishing Stage 40% Repayment in equal monthly installments based on the tenure of financing (2 years grace period for construction is also included, where only markup is to be serviced) No Charges for Early Settlement and Balloon Payment Applicable Financing Rate For Salaried Individuals: 1 Year KIBOR+3% p.a Other than Salaried: 1 Year KIBOR+3.5% p.a Rate revision on each category will be on the loan anniversary. Plot Purchase and Construction Do you want to purchase a plot and construct over it? Bank AL Habib can help you achieve your goals through its financing facility. Financing Criteria This product will be offered to purchase the plot and construction therefore, first trench will be disbursed for plot purchase with maximum 50% of approved finance amount or 50% of land value whichever lower. After purchase of plot , process of construction mentioned in the product program to be followed by disbursing three more trenches of remaining amount. Applicable Financing Rate For Salaried Individuals: 1 Year KIBOR+3% p.a Other than Salaried: 1 Year KIBOR+3.5% p.a Rate revision on each category will be on the loan anniversary. Home Improvement Is your home due for Renovation? This product is offered to customers for the purpose of renovation of a constructed house. Financing Criteria Financing from PKR 300,000 up to PKR 20 million or up to 50% of the appraised property value whichever is lower (Residential House) Financing period from 1-25 years Minimum income requirement for the primary borrower is PKR 60,000 Disbursement made as Bullet Payment (one time) Bill of Quantity is also required Repayment in equal monthly installments based on the tenure of financing No Charges for Early Settlement and Balloon Payment Financing from PKR 300,000 up to PKR 5 million or up to 25% of the appraised property value whichever is lower. (Residential Apartment) Applicable Financing Rate For Salaried Individuals: 1 Year KIBOR+3% p.a Other than Salaried: 1 Year KIBOR+3.5% p.a Rate revision on each category will be on the loan anniversary. Home Balance Transfer Do you wish to transfer your home loan to us? Bank AL Habib Home loan balance transfer facility allows you to transfer your home loan from any bank to Bank AL Habib if you have maintained a good repayment history. Financing Criteria Only the outstanding amount shall be paid to the releasing bank/institution or a maximum amount PKR 50 Million whichever is lower No enhancement in financing amount will be offered to the applicant Property ownership must be in the name of primary borrower or co-borrower (spouse) Customer to provide a letter, authorizing our bank official to collect and retrieve all title documents from the releasing bank/institution No Charges for Early Settlement and Balloon Payment Applicable Financing Rate For Salaried Individuals: 1 Year KIBOR+3% p.a Other than Salaried: 1 Year KIBOR+3.5% p.a Rate revision on each category will be on the loan anniversary body.dark-mode .border-bottom { outline: 0px auto -webkit-focus-ring-color !important; } body.dark-mode span.float-left.collapse-toggler { color: #fff !important; } .accordion-list .accordion-list-items button.card-link{ font-weight: bold; font-size: 1.25rem; display: inline-block; width: 100%; padding: 15px 25px 15px; line-height: 1.7; border-bottom: 0 !important; background: none; border: none; text-align:left; cursor:pointer; } .accordion-list .accordion-list-items button.card-link:focus{ border:none; } .bgPosBtmLeft { background-position: center center !important; } .accordion-list .accordion-list-items button.card-link:focus{ outline:none !important; } .accordion-list-items .card-link + .collapse > div:first-of-type{ overflow:unset !important; }

Individual Financing

Roshan Samaaji Khidmat

Debit Cards

Go Global with our AL Habib Digital Account Gold Debit Card which is accepted everywhere and enjoy the following benefits:

Privacy Policy

Introduction This Website is owned and controlled by Bank AL Habib Ltd. ("BAHL"). BAHL respects the privacy of visitors to its Website, and advises all visitors/surfers and clients to read and understand our privacy policy, and to check it periodically for any updates or revisions. When you visit this Website, BAHL may collect personal data about you, either directly (where you are asked to provide the data) or indirectly (through IP address, cookies, etc.). BAHL will, however, use such personal data only for the purposes set forth in this Privacy Statement and BAHL is committed to safeguarding such personal data. This Statement sets out the purposes of BAHL's data processing in respect of this Website. BAHL may gather and analyze information relating to particulars of users, their computing equipment/devices, usage of this Website, including domain name, the number of hits, the pages visited, previous/subsequent sites visited and length of user session.  Purposes of Processing BAHL collects and processes information about customers and visitors to its Website to conduct its business, to inform and offer products and services that may be of interest to you, as well as to compile Web statistics. The information provided by you can be used to contact you when necessary, e.g. to obtain further information or confirmation about your data, notify you about functionality changes to the Website and BAHL online services, as well as to offer other services that you may find helpful (provided you have not opted out of receiving such services). Sensitive Data/Information BAHL does not seek to collect sensitive personal information (such as information revealing personal preferences, political opinions, religious beliefs, health or other matters) through this Website. If BAHL does collect any such data, your prior consent for this will be obtained. Please note that, by providing BAHL with solicited or unsolicited sensitive personal information you consent to our using such personal information as described above.  Disclosure of Information Where required by Financial Services Regulator(s) or Law Enforcement Agencies, BAHL will share necessary customer and other information, as advised. Other than this, BAHL will never disclose information that it has collected from its users to any of its affiliates, independent contractors and business partners for any purpose, whatsoever. Also we will not transfer information collected in the process of sales of our products and services. Third Party Sites Please note that this Privacy Statement does not extend to third party websites linked to this/BAHL’s Website. Amendments BAHL reserves the right to modify this Privacy Statement, or any part thereof, at any time and from time to time. You are requested to kindly review this statement frequently for any changes. Website Analytics BAHL Website uses analytical tools, a service which transmits website traffic data to analytical tools. Google Analytics does not identify users or associate your IP address with any other data. We use these tools to understand website traffic, and usage.We use the following tools for Advertising Google AdWords  Personal Data: Cookies and Usage Data Facebook Audience Network Personal Data: Cookies, unique device identifiers for advertising (Google Advertiser ID or IDFA, for example) and Usage Data For Bahrain Customers Download the Bank AL Habib Data Privacy Notice Click here.

AL Habib Digital Account

Netbanking

Welcome to the New Age Bank AL Habib Netbanking empowers you to manage all your finances with an enhanced platform that makes banking simple and easy. Whether you’re looking to check your balance, pay bills, transfer funds or print statements; our Netbanking and mobile app has got you covered. Netbanking Login Register Now 3 Simple Steps to Start Self-Registration Register online through Netbanking View Process Details Activate Activate your account online through Netbanking View Process Details View Dashboard Perform Transactions Account Services Balance Inquiry Cheque Book Request Cheques in Clearing Change Password Funds Transfer Bill Payment Account Usage Online Self-Registration One-time password for each transaction Multiple Funds transfers Multiple bill payments Digital Statements WHT Certificate Online Stop Cheque Credit Card Services Balance Inquiry Transaction details Credit Card Payment Account Statement Enhanced Security Features AL Habib Mobile and Netbanking is now equipped with a host of new security features in line with State Bank of Pakistan`s security guidelines. These security features are designed to safeguard you against potential digital banking scams and reflect the Bank`s commitment to provide you a safe banking experience. Please note that biometric verification (in-App) is mandatory for you to proceed further, followed by a two-hour security buffer period if you perform any of the following actions on our digital banking platform. You may click on the below mentioned action items to access an info-guide. Self-Registration / Sign-Up New Device Registration Request for a Change/Reset Password Request the Retrieval of Username and Limit Upgrade User Guide for Support To download the User Guide, please Click Here Why is this upgrade important? The two-hour security buffer implemented will give you time to reverse the changes in case the request has not been made by you. To minimize any challenges while accessing your account digitally, we urge you to: Update your contact information with the Bank (registered mobile number/email address) if you intend to travel abroad. Register your new device as soon as possible. Guidelines for New Security Controls How do I Sign Up? Fill in your details to create your ID, after which you must perform your in-App biometric verification. In case of biometric verification failure, you may visit any Bank AL Habib branch or perform your verification through AL Habib Biometric Verification App. What are the steps for Device Registration? For any new device registration, in-App biometric verification will be required. If your biometric verification is unsuccessful, an automated robo-call will be performed for verification, after which, a cooling off period of two hours will be in effect. During cooling off period, you will receive a call back for confirmation from our Call Center. What if I Forgot the Username? If you reset your username through an unregistered device, biometric verification will be required. In case of biometric verification failure, an automated robo-call will be executed. What if I forgot my Password? If you reset password through an unregistered device, biometric verification will be necessary. In case of biometric verification failure, customer will have to contact Call Center for assistance. What happens if I change my Transactional Limits? Debit Card limit management will now be enabled where you can customize limits as per your need, in addition to limit management for Funds Transfer for AL Habib Mobile / Netbanking which was previously available to you. The option to manage daily transactional limits of the Debit Card will be made available for Cash Withdrawal and Purchase (PoS and e-Commerce). Each time you change your AL Habib Mobile / Netbanking transaction limit, a cooling off period of two- hours will be activated. What Does This Change mean for Non-Resident Customers? If you are a Roshan Digital Account holder, you must contact your designated Relationship Managers for performing for biometric verification for Self Registration, or to get your ID unlocked. A robo-call will be received by Roshan Digital Account holders for verification of all changes, including device registration, password and username reset. If you are temporarily based outside Pakistan, you must contact your relationship branch to update your contact number. Minimum Requirement Of Internet Browser For AL Habib Netbanking The new Internet Banking service platform is a world renowned system with best in class features, and is named “Bank AL Habib Netbanking” providing you with more value added services and enhanced security features. Google Chrome Latest Version Mozilla Firefox Latest Version Microsoft Edge Latest Version Apple Safari Latest Version Introducing the AL Habib Mobile Application The new AL Habib Mobile App enables you to easily manage your finances on the go from almost anywhere! With a host of new features it is designed to make your digital banking experience more convenient, quick and secure. What’s new: Multiple Funds Transfers Multiple Bill Payments Instant Stop Cheque Facility Credit Card bill payment of other banks through the 1BILL feature Withholding tax and Balance Certificate Forex Calculators Transaction Based OTP Retrieve User ID by using “Forgot User ID” option without calling the Helpline Set frequent payments as Favourites on the main dashboard If you are an iBanking user Click Here For More Details Click Here To Download the App, head over to the Google Play Store for the Android version OR visit the App store to download the iOS version of AL Habib Mobile. What is Device Binding? Device Binding is a technology that extracts unique properties from the customer`s device to mark it as a Registered Device. It also notifies the customer of access to Net Banking/Mobile Application from an Untrusted Device. Additionally, if a customer marks a Device as a Trusted Device on OTP screen, then the OTP is not required by customer upon logging-in from their Registered Devices in future. Key Features: Device Binding strengthens the security control and protects from real time fraud. Customers may bind more than one device and maximum of three devices as their Trusted Device. When Customer logs in from an Untrusted Device, Alert messages notifies that someone has logged in from an unauthorized device. Auto Read OTP feature is made available to customers, that reads OTP as received through SMS on Android Mobile devices. Trusted Device Guide Tutorial Self-Registration Process × Activate Process × × .fixedImgDynamic.current { background-image: url("files/images/netbanking-Breaker.jpg") !important; } @media only screen and (max-width: 767px) { .fixedImgDynamic.current .px-0.col-lg-8 { z-index: 99; } }

AL Habib at Work

Salary Accounts AL Habib At Work is a comprehensive banking solution designed to address the banking needs of employees of an organization. It is suitable for small businesses as well as large corporates. Convenient bulk account opening, on site debit card delivery, free account benefits, digitization of salary payment along with much more to provide an unmatched experience for employers and their employees. Key Features No Minimum Balance Requirement On Site Account Opening & Debit Card Delivery Free Debit Card Issuance And Annual Fees* Free Cheque Book And Banker’s Cheques* Free ATM Cash Withdrawals From Any Bank’s ATM Across Pakistan Free Inter Bank Funds Transfers Exclusive Insurance/Takaful Coverage* *Terms and Conditions apply 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 Email Us info@bankalhabib.com BAHL Helpline (+92-21) 111-014-014 Nearest Branch Branch Locator .bgPosBtmLeft.page-alhabib-at-work { background-position: center center !important; } .dark-mode .card{background-color:#333 !important} .carousel-caption h1.caption-heading { display:none !important; } img { max-width:300px; } @media screen and (max-width: 767px) { img { max-width:180px; } }