A Banking Experience That Matches Your Lifestyle
Whether you re a student starting out, a freelancer managing projects, or a salaried professional building your future, Apna Individual Current Account is designed to keep up with your evolving needs. It’s built for independence and ease, no matter how you earn or spend.
With simple onboarding, secure transactions, and flexible features, this account gives you the confidence to manage your money your way, every step of the way
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Enjoy the Exclusive Benefits
Free Bankers’ Cheques (Up to three per month)*
Free PayPak Debit Card (Default)*
Free E-Statements
Free AL Habib Mobile & Netbanking Facility
Free Online Banking
Free Life Insurance**
SMS Alerts Facility
Free First Cheque Book (10 leaves)
*Customers will be required to maintain an average monthly account balance of PKR 25,000 to avail free applicable services.
Note: PayPak is the default Debit Card offered to the customers. However customers may opt for other card schemes i.e. VISA & UnionPay Debit Cards, charges will be applicable as per prevailing Schedule of Bank Charges.
** Terms and Conditions Apply
The Power of Free Life Insurance
When you trust us with your money, we return the favor with care. Your account comes with complimentary Life and Disability Insurance — at no extra cost.
- Natural Death & Permanent Disability: Covered up to the average balance of the last 90 days
- Accidental Death: Double the coverage
We’ve added this feature not as a product — but as a promise
The Power of Free Life Insurance
When you trust us with your money, we return the favor with care. Your account comes with complimentary Life and Disability Insurance — at no extra cost.
- Natural Death & Permanent Disability: Covered up to the average balance of the last 90 day9
- Accidental Death: Double the coverage
We’ve added this feature not as a product — but as a promise.
How To Open Your Apna Individual Current Account
Visit the nearest Bank AL Habib Branch or Download Account Opening form online and submit the duly completed form with all supporting documents at any Bank AL Habib Branch.
Fee & Charges will be levied according to bank`s prevailing schedule of charges.
All taxes will be imposed as per government regulation and directives by State Bank of Pakistan.
Documents Required
For Individual Accounts
- Original CNIC along with a verified copy
- Job Card / Job Letter and Salary Slip for Salaried individual
- Any other proof of income
For Sole Proprietor accounts
- Original CNIC along with verified copy
- Proprietary rubber stamp for signature specimen card
- Copy of NTN (attested by Notary Public)
- Certificate or proof of membership of trade bodies etc., (wherever applicable.)
- Request for Opening of Account on letter head
Non- Resident Rupee Account can be opened and maintained by the following individuals and entities other than banks:
- Non-resident Pakistanis (NRPs)*
- Foreign nationals except those who have obtained work visa/permit to work in Pakistan
- Firms, companies, etc. which are incorporated/registered outside Pakistan
- * A person shall be treated as non-resident if his/her period of stay in Pakistan during a calendar year is less than 183 days, in aggregate.
NRP falling in any one of the above category can open the following types of Non- Resident Rupee Account
- Non-resident Rupee Account-Repatriable (NRAR)
- Non-resident Rupee Account-Non-Repatriable (NRAN)
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