Experience modern banking with the integrity of shariah-compliance.
The Islamic Asaan Digital Account (IADA) will provide banking opportunity to the underserved local diaspora. The key target audience is Pakistani resident individuals who do not have a bank account. Only CNIC and basic information is required to start banking with and enjoy a host of value-added services.
Apply Now- Free PayPak Debit Card (Default)
- Free AL Habib Netbanking & Mobile Banking
- Free Life Takaful (Term and Conditions applied/ to be checked)
- Free E-Statements
- Free Regular SMS Alerts
- PKR Account only(as per regulator)
- Maximum Monthly Credit Balance Limit of PKR 1,000,000 (as per regulator)
- Maximum Monthly Debit Limit of PKR 1,000,000 (as per regulator)
- No Service Charges at Opening or Closure of Account
- No Initial Deposit or Minimum Balance Requirement
- Statement of Account Hardcopy on Customer Request
- Cheque Book Facility
- Financing against 90% Deposits. (Subject to management approval / Bank`s Terms & Conditions)
* Terms & Conditions Apply
- Live Photo Required
- Computerized National Identity Card (CNIC)/ Smart National Identity Card (SNIC)
- CRS & FATCA
- Any other necessary documentation deemed necessary
You may deposit and withdraw PKR 1 Million respectively in the account per month.
Resident Pakistani Nationals are eligible to open the Digital Account.
Customer must provide valid Computerized / Smart National Identity Card and self-declaration for citing source of funds.
You must complete the biometric verification process as soon as your account has been opened. You can do this via the AL Habib Biometric Verification app or by visiting the nearest Bank AL Habib branch.
Are there any additional documents required?
For a Minor, the following are required
-
Scanned copy of:
- Juvenile Card
- Form-B
- Child Registration Certificate
- Live Photograph of Minor
Customers with a Rupee account may apply for a Debit Card.
You can complete the account opening process from the comfort of your home. Even biometric verification can be completed via the AL Habib Biometric Verification app. However, if you wish to visit the branch, you may do so.
Biometric verification must be done immediately after the account has been opened. You may complete the biometric verification process from anywhere via the AL Habib Biometric Verification app or visit the nearest Bank AL Habib branch.
Yes, you may resume the application process through “Resume Application”. After this, you will be required to input your reference number, Email Address and Mobile OTAC Verification code.
You may call us at our dedicated helpline – (92 21) 111- 014 – 014 or email us at info-CDOB@bankalhabib.com
There is no minimum balance or initial deposit requirement on the aforementioned accounts.
Customers may avail the below mentioned Debit Card products (Subject to Terms and Conditions)
- PayPak Debit Card
- UPI Debit Card
- Visa Silver Debit Card
- Visa Gold Debit Card
- Visa Platinum Debit Card
For pricing of Debit Cards, customer may review the Bank`s prevailing Schedule of Charges.
Yes, you may obtain financing against 90% deposits subject to Terms and Conditions
A customer cannot maintain any other account with the Bank if they have an Asaan Digital Account or Asaan Digital Remittance Account.
Yes you may modify your account details through the “Account Maintenance” option.
You may request a Statement of Account hardcopy specifically from Call Center.
Our team will let you know within two days if the Account Opening application is accepted or declined. In case of potential decline, your case shall be referred back by the CPU Digital Desk.
You may receive a video call link via email from Bank AL Habib for further details/verification in accordance with the regulations of the State Bank of Pakistan. Bank AL Habib will never call from (+92 21) 111-014-014 or any other number asking for your personal information, internet/mobile banking User ID, Password, Debit/Credit Card number, PIN, OTP or CVV.
Yes, a customer must accept Terms & Conditions before proceeding further with the application.
How To Open Your Islamic Asaan Digital 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.
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