Personal banking
Current Accounts
Eleven account paths for everyday transactions, business activity, freelance income, remittances, pensions and premium banking, organised so the differences are visible before you apply.
11
Account options
PKR
Everyday access
2 ways
Digital or branch
Choose with confidence
Start with the customer, then compare the conditions.
The original catalog is broad. These three checkpoints make the choice easier without hiding product limits or balance requirements.
Who is the account for?
Choose between personal, business, freelancer, remittance, pensioner and premium relationship paths.
How will it be used?
Compare transaction limits, cheque needs, digital access, remittance use and deposit-linked benefits.
Which conditions matter?
Check monthly-balance conditions, product limits, insurance eligibility and the current Schedule of Charges.
Current-account catalog
Open each option to see its features and conditions.
Use the product summaries for comparison, then confirm the latest Key Fact Statement and Schedule of Charges before opening an account.
Premium everyday banking
Signature
Personalised service, lifestyle privileges, a Visa Signature debit card, and a broad set of fee waivers.
Best for
Customers who maintain a premium banking relationship
Key features
- Free AL Habib Visa Signature Debit Card
- Cheque books, banker's cheques, IBFT and selected clearing services
- SMS alerts, online transactions and account certificates
- Life and disability insurance subject to eligibility
Built for independent work
Freelancer
A current-account route for freelancers receiving local or overseas work payments and remittances.
Best for
Freelancers and independent professionals
Key features
- No initial deposit or minimum balance requirement
- Visa Freelancer FCY debit-card option on ESFCA
- Free first cheque book and selected banker's cheques
- Mobile banking, netbanking, Raast IBFT and FCY retention support
Receive money from abroad
Remit
A remittance-focused current account for receiving funds sent by family and other remitters overseas.
Best for
Beneficiaries of home remittances
Key features
- PayPak debit card and first cheque book
- Local credits, e-statements and SMS alerts
- Mobile banking and netbanking
- Financing against up to 90% of eligible deposits
Pension access with fewer frictions
Armed Forces Pensioner
A dedicated account for Armed Forces pensioners to receive pension funds and manage routine transactions.
Best for
Eligible Armed Forces pensioners
Key features
- No minimum balance requirement
- Free PayPak debit card and cheque book
- Mobile banking, netbanking and e-statements
- Standing instructions, SMS alerts and banker's cheque facility
Everyday transactional freedom
Current
A PKR non-remunerative account for individuals and businesses with frequent day-to-day transactions.
Best for
Individuals and businesses needing regular access to funds
Key features
- PayPak debit-card option
- Mobile banking, netbanking and e-statements
- Cheque-book and banker's cheque facilities
- SMS alerts and T-Call booking facility
More waivers for active banking
Current Plus
A flexible current account for personal and business banking with a wider package of transactional fee waivers.
Best for
Active individuals, professionals and businesses
Key features
- Personalised cheque books and banker's cheques
- PayPak debit card as the default card option
- E-statements, online banking and SMS alerts
- Mobile banking and netbanking
A personal account for modern life
Apna Individual
A personal current account designed for professionals, employees, farmers, self-employed customers and students.
Best for
Individuals across a broad range of occupations
Key features
- Up to three free banker's cheques per month, subject to terms
- PayPak debit-card option
- Mobile banking, netbanking and online banking
- E-statements, SMS alerts and eligible life insurance
Simple remittance banking
Asaan Remittance
A simplified way to receive overseas remittances directly into a PKR current account.
Best for
Customers receiving remittances who prefer simpler documentation
Key features
- No initial deposit or minimum balance requirement
- PKR 500,000 daily cash-withdrawal and funds-transfer limits
- Maximum published credit balance of PKR 3 million
- PayPak debit card, e-statements and digital banking
Start with your CNIC
Asaan Current
A simplified account for Pakistani nationals who do not already have a bank account.
Best for
First-time and financially underserved account holders
Key features
- No initial deposit or minimum balance requirement
- Published total credit limit of PKR 3 million
- Published total debit limit of PKR 1 million per month
- PayPak debit card, e-statements and digital banking
Routine banking after retirement
Pensioner
A single-holder current account for pensioners with everyday services and selected fee waivers.
Best for
Eligible civilian pensioners
Key features
- No initial deposit or minimum balance requirement
- PayPak debit card and cheque book
- Standing instructions, SMS alerts and e-statements
- Mobile banking, netbanking and banker's cheque facility
Essential banking access
Basic Banking
A basic current account for straightforward deposits, withdrawals and essential banking services.
Best for
Customers with light, essential transaction needs
Key features
- No minimum balance requirement
- PKR 1,000 published initial deposit
- Debit card, cheque book, SMS alerts and digital banking
- Two deposits and two cheque withdrawals free of charge
Product information was reviewed on 24 July 2026. Eligibility, waivers, rates and availability remain subject to the bank's current terms.
Official current accountsPrepare your documents
The core checklist changes with account ownership.
The bank may request additional due-diligence or product-specific documents. These groups cover the common starting point.
Individual
- Original CNIC or SNIC with a verified copy.
- Job card, job letter or salary slip for salaried applicants.
- Other acceptable proof of income or source of funds.
Sole proprietor
- Identity document and proprietary rubber stamp.
- NTN and relevant trade-body or business evidence where applicable.
- Account-opening request on the business letterhead.
Partnership or company
- Identity documents for partners, directors and relevant shareholders.
- Partnership deed or incorporation and constitutional documents.
- Operating mandate or board resolution, registration evidence and NTN.
Non-resident
- Identity, residency and tax-status documentation appropriate to the applicant.
- The account type and repatriation status must match the applicant's eligibility.
- Additional attestation or due-diligence documents may be requested.
Ready when you are
Move from comparison to the official digital application.
Start a new application, resume an existing one, or update your digital account record through Bank AL Habib's secure portal.