Who Can Open a Bank Account in Pakistan?
Any Pakistani resident aged 18 or above with a valid Computerised National Identity Card (CNIC) can open a personal bank account. Minors can be account holders through the Allied Rising Star Account, operated by a parent or legal guardian.
Overseas Pakistanis cannot use the myPakistan Digital Account it is for resident Pakistanis only. If you’re living abroad and want to open an account remotely, you can visit the Roshan Digital Account website and fill in the application.
What Documents Do You Need to Open a Bank Account in Pakistan?
The core documents are the same whether you apply online or at a branch. What changes is how you submit them.
| Document | Standard Account | Asaan Account |
|---|---|---|
| Valid CNIC (front and back) | Required | Required |
| Live photograph | Required (online: captured digitally / branch: passport-size photos) | Required |
| Proof of income (job letter, salary slip or business letter) | Required | Not required |
| National Tax Number (NTN) | If applicable | Not applicable |
| Signature specimen | Required | Required |
| Initial deposit | Varies by account type | Low or nil |
CNIC must be valid and not expired. If your CNIC has expired, renew it through NADRA before applying. Submitting inaccurate or incomplete documentation will delay or reject your application.
Types of Bank Accounts in Pakistan
Choosing the right account matters as much as opening one. Allied Bank offers current accounts, savings accounts, term deposits and exclusive accounts for specific life stages, each with a different purpose and set of features.
Current Accounts in Pakistan
Current accounts are transactional accounts. They don’t earn profit, but they give you unrestricted access to your money — useful for salaries, business payments and day-to-day spending. Allied Bank offers six current account options.
The Allied Current Account is Allied Bank’s standard transactional account — suitable for salaried individuals, professionals and anyone who needs a reliable everyday banking facility. It comes with cheque book access, a debit card and full access to the myABL internet and mobile banking platform.
Who it’s for: General-purpose use — salaried individuals and anyone who needs a no-frills transactional account.
The Allied Easy Current Account carries no monthly balance fee, making it easier for customers to maintain an account without worrying about minimum balance requirements eating into their funds.
Who it’s for: Customers who want a current account without the burden of maintaining a minimum monthly balance.
The Allied Asaan Account is an SBP-mandated low-documentation account designed to bring unbanked Pakistanis into the formal financial system. A valid CNIC is sufficient to open it — income proof is not required.
Who it’s for: Daily wage workers, homemakers, small traders and anyone opening their first bank account.
Note: The Asaan Account carries transaction limits set by SBP. Visit ABL Website for current limits.
The Allied Basic Banking Account is offered in compliance with SBP’s basic banking directive. It provides a zero-fee account for customers who need basic access to the banking system without conditions around balance or usage. There is limited access with only 2 cash withdrawals and 2 cash deposits allowed per month.
Who it’s for: Low-income individuals who need a simple, low-cost account with no minimum balance requirement.
Allied Express is a specialised account designed to provide a convenient and efficient banking product for home remittance beneficiaries for receiving remittances directly into their account. This account aims to offer smooth access to funds, along with additional features tailored to the needs of the target market.
Who it’s for: All Pakistani individuals, resident or non-resident, whether remitter, prospective remitter or beneficiary of home remittances. Also, the Express account is for those who want remittances directly into their accounts.
The Allied Freelancer Account is built specifically for Pakistan’s freelancing community — designed to receive international payments and manage foreign currency earnings.
Who it’s for: Freelancers, independent consultants and remote workers earning in foreign currency.
Savings Accounts in Pakistan
Savings accounts earn a monthly interest on the balance you maintain. The profit rate is variable it moves with the SBP policy and is not fixed or guaranteed. Allied Bank offers three savings account options.
The Allied PLS Savings Account is Allied Bank’s flagship savings product. PLS stands for Profit and Loss Sharing — the account earns profit on your average monthly balance, paid monthly.
Who it’s for: Anyone looking to earn bi-annual profit on idle funds — from first-time account holders to regular savers.
Minimum balance: PKR 100 to open.
The Allied Asaan Saving Account combines the low-documentation accessibility of the Asaan framework with the profit-earning feature of a savings account. Minimal documentation is required, and no income proof is needed.
Who it’s for: First-time savers, low-income customers and individuals transitioning from the informal economy into formal banking.
The Platinum Rewarding Profit Account is a premium savings account that rewards higher balances with higher profit rates.
Who it’s for: Customers with significant savings who want a monthly profit on their bank balance.
All savings account profit rates are variable and subject to SBP policy. Rates change periodically. Visit abl.com for current applicable rates.
Exclusive Accounts for Specific Segments
Allied Bank has dedicated accounts for customers at different life stages.
Islamic Banking Options
If you prefer a Shariah-compliant account, Allied Aitebar, Allied Bank’s Islamic banking arm offers an equivalent for every conventional account type. These include the Allied Islamic Saving Account, Allied Islamic Current Account and the Allied Aitebar Behtar Munafa Certificate.
Islamic accounts operate on Mudarabah (a profit-sharing arrangement) in compliance with Shariah principles. You can always check the profit rates before choosing the right savings account.
Find the Right Account for You
Tap a profile below to see which Allied Bank account fits you best.
🎓 Student
Designed for young Pakistanis aged 18–35 — students, fresh graduates and young professionals get an account built around their needs.
💼 First Job
A reliable, no-frills transactional account with cheque book access, a debit card and full myABL app access — ideal for your first salary account.
💻 Freelancer
Built specifically for Pakistan’s freelancing community to receive international payments and manage foreign currency earnings.
🏠 First-Time
An SBP-mandated low-documentation account — a valid CNIC is all you need. No income proof required, perfect for your first bank account.
🧓 Senior
Designed for customers aged 55 and above, with features suited to stability, ease of access and dedicated service.
👶 Parent
A children’s savings account operated by a parent or legal guardian — build a savings habit from an early age (0 to 18 years).
☪️ Islamic
A Shariah-compliant account operating on Mudarabah (profit-sharing) principles through Allied Aitebar, Allied Bank’s Islamic banking arm.
📈 Big Saver
A premium savings account that rewards higher balances with higher profit rates — built for customers with significant savings.
How to Open a Bank Account in Pakistan Two Ways
Allied Bank gives you a choice. Both paths open the same accounts. The difference is convenience online is faster and requires no travel; the branch gives you face-to-face guidance through the process.
Method 1: How to Open a Bank Account Online in Pakistan
The myPakistan Digital Account is Allied Bank’s fully online account opening facility. The entire process happens at rda.abl.com — no branch visit, no printed forms.
- Your CNIC (front and back — scanned or photographed clearly)
- A device with a working camera for your live photo
- Proof of income (job letter, salary slip or business letter) — not required for the Asaan Account
- Your email address and mobile number
- CNIC front
- CNIC back
- Proof of income (job letter, salary slip or business letter)
- Live photo
- Signature (only required in a freelancer account if the customer opts for a cheque book)
Method 2: How to Open a Bank Account at an Allied Bank Branch
Prefer to do it in person? Allied Bank has more than 1,400 branches across Pakistan — from major cities to rural towns. A banking officer will guide you through the full account opening process at the counter.
Use the branch and ATM locator to find the nearest Allied Bank branch before you visit.
- Original CNIC (the officer will view it; keep copies for submission)
- 2 passport-size photographs
- Proof of income — a job letter, salary slip or business letter (not required for Asaan Account variants)
- Your NTN, if applicable
- An initial deposit (amount varies by account type — confirm with the branch)
- CNIC original (for verification) and a copy (for the file)
- 2 passport-size photographs
- Proof of income — if required for your chosen account type
- Signature specimen on the form
- Any additional documents the officer requests based on your account type
What Happens After You Submit Your Application?
Allied Bank reviews every application as part of its compliance and KYC verification process. You'll receive updates by email (online applicants) or by call or SMS (branch applicants). Once approved, your account is activated, and your debit card is issued. Through myABL, you can then transfer money, pay utility bills, check your balance, invest via ABL Funds and send or receive instant payments through RAAST — all without visiting a branch again.
Bank Account Requirements in Pakistan Quick Reference
Online Account Opening — Requirements
| Requirement | Online (Standard) | Online (Asaan) |
|---|---|---|
| Valid CNIC | Required | Required |
| Live photograph | Digital capture | Digital capture |
| Income proof | Required | Not required |
| NTN | If applicable | Not applicable |
| Biometric verification | Via CNIC + live photo | Via CNIC + live photo |
| Minimum balance | Varies by account | Low or nil |
| Resident Pakistani | Required | Required |
Branch Account Opening — Requirements
| Requirement | Branch (Standard) | Branch (Asaan) |
|---|---|---|
| Valid CNIC | Required (original + copy) | Required (original + copy) |
| Live photograph | 2 passport-size photos | 2 passport-size photos |
| Income proof | Required | Not required |
| NTN | If applicable | Not applicable |
| Biometric verification | NADRA fingerprint at branch | NADRA fingerprint at branch |
| Minimum balance | Varies by account | Low or nil |
| Resident Pakistani | Required | Required |
Frequently Asked Questions
Q. Can I open a bank account online in Pakistan without a CNIC?
No. A valid CNIC is mandatory for all personal bank accounts in Pakistan under SBP directives. If your CNIC has expired, renew it through NADRA before opening a bank account.
Q. What is the minimum age to open a bank account in Pakistan?
You must be 18 or above to open an individual account. For minors, the Allied Rising Star Account is operated by a parent or legal guardian on the child's behalf.
Q. How long does it take to open a bank account in Pakistan?
Online, the myPakistan Digital Account application takes under 30 minutes to complete. At a branch, the form submission and biometric verification typically take 30–60 minutes. In both cases, account activation is subject to Allied Bank's review process and may take additional time.
Q. Is the myPakistan Digital Account a savings or a current account?
During the application, you choose your account type — savings or current. The myPakistan Digital Account is the channel through which you apply; the account type depends on your selection.
Q. Can a freelancer open a bank account in Pakistan?
Yes. Allied Bank offers the Allied Freelancer Account — built specifically for Pakistan's freelancing community, with features designed for receiving international payments and managing foreign currency earnings.
Q. Is there a bank account for young Pakistanis with no income proof?
Yes. The Allied Youth Asaan Account is available to customers aged 18–25 and requires minimal documentation — no income proof needed. It can be opened both online and at a branch.
Q. Do I need to visit a branch after opening an account online?
Not necessarily. The myPakistan Digital Account is fully online. Your debit card is issued after activation, and all subsequent banking transfers, bill payments, and balance checks is managed through myABL.
𝑃𝑟𝑜𝑓𝑖𝑡 𝑟𝑎𝑡𝑒𝑠 𝑎𝑟𝑒 𝑣𝑎𝑟𝑖𝑎𝑏𝑙𝑒 𝑎𝑛𝑑 𝑠𝑢𝑏𝑗𝑒𝑐𝑡 𝑡𝑜 𝑆𝐵𝑃 𝑔𝑢𝑖𝑑𝑒𝑙𝑖𝑛𝑒𝑠. 𝑃𝑟𝑜𝑑𝑢𝑐𝑡 𝑎𝑣𝑎𝑖𝑙𝑎𝑏𝑖𝑙𝑖𝑡𝑦 𝑖𝑠 𝑠𝑢𝑏𝑗𝑒𝑐𝑡 𝑡𝑜 𝑒𝑙𝑖𝑔𝑖𝑏𝑖𝑙𝑖𝑡𝑦 𝑐𝑜𝑛𝑑𝑖𝑡𝑖𝑜𝑛𝑠. 𝐹𝑜𝑟 𝑐𝑢𝑟𝑟𝑒𝑛𝑡 𝑟𝑎𝑡𝑒𝑠, 𝑣𝑖𝑠𝑖𝑡 𝑡ℎ𝑒 𝑆𝑐ℎ𝑒𝑑𝑢𝑙𝑒 𝑜𝑓 𝐶ℎ𝑎𝑟𝑔𝑒𝑠 𝑜𝑟 𝐼𝑠𝑙𝑎𝑚𝑖𝑐 𝐵𝑎𝑛𝑘𝑖𝑛𝑔 𝑃𝑟𝑜𝑓𝑖𝑡 𝑅𝑎𝑡𝑒𝑠.