Saving in foreign currency made simple and rewarding

Whether you are earning from overseas, planning international education, supporting loved ones abroad, or simply want to diversify your savings — your goals deserve a reliable and globally connected solution.

With the Foreign Currency Saver Account at Bank AL Habib, you can save in USD, GBP, and EUR and enjoy monthly profit payouts, local financing options, and the freedom to access your funds anytime, anywhere.

This account is more than just a safe place for your foreign savings — it’s your financial bridge between Pakistan and the world.

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Rate of Return — Based on Your Balance

Get rewarded for saving more. Your monthly profit depends on your maintained average balance.

  • Below 5,000.00 1.00% p.a 
  • From 5,000.00 to 9,999.99  1.20% p.a 
  • From 10,000.00 to 24,999.99  1.30% p.a 
  • From 25,000.00 to 99,999.99 1.40% p.a 
  • From 100,000 & Above   1.50% p.a 

Indicative profit rates are subject to change based on market conditions

Rates for GBP and EUR can be obtained by contacting your nearest branch or our helpline.

Enjoy the Exclusive Benefits

  • Profit Payable on Monthly Basis
  • Free SMS Alerts
  • Free Cheque Book
  • Free Collection of Outward Foreign Cheques
  • Free Remittances (Two Per Month)
  • Free E-Statements
  • Free AL Habib Mobile & Netbanking
  • Up to 90% Financing in Pak Rupees
  • All Other Conditions of Saving Accounts apply

How To Open Your Foreign Currency Saver

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.

Required Documents Account Opening Process Download Form Key Fact Sheet Fee & Charges
Click here to download Rules/Terms & Condition

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

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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 a verified copy
  • Proprietary rubber stamp for signature specimen
  • 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
For Partnership Account
  • CNIC copy of all partners (verified)
  • Partnership rubber stamp
  • Request for Opening of Account on Partnership letter head
  • Operating Instruction on Partnership Letter Head.
  • Partnership Letter on Letter Head (Signed by all partners)
  • Partnership Deed (verified)
  • Attested copy of Registration Certificate issued by Registrar of Firms in case of registered firm. In case the partnership is unregistered, this fact shall be clearly mentioned on the Account Opening Form. NTN Copy (verified)
  • Copy of NTN (verified)
For Companies Account
  • Certificate of Incorporation (attested by company secretary).
  • Resolution of Board of Directors.
  • Complete Memorandum and Articles of Association (attested by SECP & 1st and last page to be attested by company secretary).
  • Form-29 (attested by company secretary and SECP)
  • List of Directors (attested by company secretary).
  • Copy of CNIC’S of all Directors (attested by company secretary).
  • NTN Certificate (attested).
  • Form-A & CNIC copies of shareholders holding more than 10 % shares.
  • CRS form for tax residency self-certification
  • All documents must be attested by company secretary / Director / CEO.
  • Articles & Memorandum of Association, Form-A & Form-29 should be attested by Securities and Exchange Commission of Pakistan (SECP)

For salaried individual, Job Card / Job Letter or Salary Slip or Source of income is required.
A valid photocopy of any one of the following identity document is obtained
  • Computerized National Identity Card (CNIC) issued by NADRA.
  • Smart National Identity Card (SNIC) issued by NADRA.
  • National Identity Card for Overseas Pakistani (NICOP) issued by NADRA.
  • Pakistan Origin Card (POC) issued by NADRA.
  • Alien Registration Card (ARC) issued by National Aliens Registration Authority (NARA), Ministry of Interior (local currency account only).
  • Passport; having valid visa on it or any other proof of legal stay along with passport (foreign national individuals only).
Non-resident accounts can be grouped in the following categories
  • Non-resident accounts of Pakistan nationals permanently residing and domiciled abroad.
  • Non-resident accounts of Pakistan nationals who are abroad for short visits.
  • Non-resident accounts of foreign nationals residing abroad.
  • Non-resident accounts of foreign nationals ordinarily resident in Pakistan but gone abroad for short visits.

Copy of passport/Pakistan Origin Card is obtained and Declaration on "form QA-22" is obtained.

Taxes and Zakat

Taxes will be applicable as per government regulations and directives of State Bank of Pakistan

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