Identity Documents for Individual Accounts
For most Allied Bank accounts, your identity document is the starting point. Here is what ABL accepts:
- Valid CNIC / SNIC / NICOP / SNICOP for Pakistani citizens
- Valid Passport for foreign citizens
- Valid POC for persons of Pakistani origin
- Valid ARC for registered Aliens in Pakistan
- Valid Form-B / Juvenile Card for Pakistani citizens who are minors
Always bring your original documents to the branch. Copies are accepted for verification purposes only.
Special Identity Situations
Some customers have additional requirements based on their circumstances.
Additional Documents Required for Individual Accounts
Most regular ABL accounts ask for proof of where your income comes from. This is part of Allied Bank’s Know Your Customer (KYC) process and is required by the State Bank of Pakistan (SBP).
Proof of Profession/Business: Job/employee card, employer certificate, employment contract/letter, Iqama/work permit, or other proof of profession
Proof of Earnings: Salary slip/certificate, payment record, account statement, income tax statement/return, or employer tax deduction certificate
Proof of Profession/Business: Business letterhead declaration, partnership/business deed, NTN/STRN certificate, Iqama/work permit (overseas), registration certificate, or trade body membership
Proof of Earnings: Payment receipts, account statement, tax statement/return, or other income evidence
Proof of Profession/Business: Valid student ID or letter from educational institute, plus funds provider’s valid ID
Proof of Earnings: Funds provider’s proof of business/work and proof of earnings
Proof of Profession/Business: Retirement letter or proof of retirement
Proof of Earnings: Pension book, evidence of terminal benefits, or other retirement income document
Proof of Profession/Business: Land ownership record (Registry / Fard Malkiat / Jama Bandi / Khasra Gardwari / Passbook, etc.)
Proof of Earnings: Account statement, income tax statement/return, or other authentic agricultural income document
Proof of Profession/Business: Valid rent agreement
Proof of Earnings: Account statement, income tax statement/return, or other authentic rental income document
Proof of Profession/Business: Business/proprietor letterhead with name and contact details, or other proof of freelance/self-employment engagement
Proof of Earnings: Account statement, payment receipts, income tax statement/return, or other legitimate income document
Proof of Profession/Business: Funds provider’s valid ID
Proof of Earnings: Funds provider’s proof of business/work/profession and proof of earnings
Important: Your CNIC must be valid and not expired. If it has expired, renew it through NADRA before applying. Submitting incomplete or inaccurate documents will delay or reject your application.
Asaan Accounts — Simplified Requirements
The Allied Asaan Account is designed for financial inclusion. It requires only your CNIC or SNIC — no income proof, no salary slip. This makes it ideal for first-time banking customers or those without formal employment documents.
Other Common Documents
Beyond identity and income, Allied Bank may also ask for:
Digital Account Opening — myPakistan Digital Account
ABL’s myPakistan Digital Account lets resident Pakistanis open an account entirely online. No branch visit is needed.
Documents required for digital account opening:
- Valid CNIC or SNIC — front and back, scanned or photographed clearly.
- Live photograph — captured digitally via your device’s camera during the application.
- Proof of income — a job letter, salary slip or business letter. Not required for the Asaan Account variant.
- National Tax Number (NTN) — if applicable.
- Signature specimen — required if you opt for a cheque book.
- Mobile number and email address for OTP verification.
Roshan Digital Account — Documents for Overseas Pakistanis
The Roshan Digital Account is an SBP initiative for Non-Resident Pakistanis (NRPs). It can be opened from anywhere in the world — no branch visit required.
Documents required for an RDA application:
- CNIC, NICOP or POC (scanned copy).
- Valid passport with entry and exit stamps.
- Proof of non-resident status (e.g., visa, residency permit or work permit).
- Proof of profession or income (job certificate or recent salary slips).
- Live photo taken via webcam during the application.
- Scanned signature.
All documents are submitted digitally through the RDA portal at rda.abl.com.
Minor and Youth Accounts
The Allied Rising Star Account is ABL’s savings account for children. It’s opened and managed by a parent or guardian.
Documents needed:
- Child’s B-Form or Juvenile Card.
- Guardian’s valid CNIC or SNIC.
- Guardian’s proof of income.
The Allied Youth Account is for customers between 18 and 35 years of age. Requirements are similar to a standard individual account, with age verification as an added step.
The Allied Youth Asaan Account is available to the same age group — 18 to 35 — but with simplified documentation. No income proof is needed. It’s suited for young customers opening their first bank account with minimal paperwork.
Business and Corporate Accounts
Business accounts require more documentation than personal ones. The exact list depends on the business structure.
Core documents for business account opening include:
- Valid CNICs of all owners, partners or directors.
- Entity formation documents — such as a certificate of incorporation, memorandum of association or partnership deed.
- Proof of business activity and income.
- National Tax Number (NTN) or tax registration certificate.
- Additional regulatory documents as required by ABL’s compliance team.
For business account options, visit the Allied Bank business banking section.
Branch vs. Digital — A Quick Comparison
| Factor | Branch vs. Digital |
|---|---|
| Identity Document | Branch: Original CNIC (for verification) + copy (for file) Digital: CNIC front and back — scanned or photographed |
| Photographs | Branch: 2 passport-size photos Digital: Live photo captured digitally via a camera |
| Biometrics | Branch: NADRA fingerprint verification at the branch Digital: Via CNIC and live photo capture |
| Income Proof | Branch: Required for standard accounts Digital: Required for standard; waived for Asaan variant |
| Processing Time | Branch (Standard): Typically within 2 working days Digital (Asaan): Within 2 working days |
Frequently Asked Questions
Q. What is the most important document to open an Allied Bank account?
A valid CNIC or SNIC is the single most important document. Without it, account opening cannot proceed for resident Pakistanis. Overseas customers may use a NICOP or POC instead.
Q. Can I open an ABL account without visiting a branch?
Yes. The myPakistan Digital Account and the Roshan Digital Account can both be opened entirely online. Resident Pakistanis use the myABL app or portal. Overseas Pakistanis apply through rda.abl.com.
Q. Does Allied Bank require proof of income for all accounts?
No. The Allied Asaan Account is specifically designed for customers without formal income documents. It requires only a CNIC or SNIC, with no income proof needed.
Q. What documents does a minor need to open an account?
A minor needs a B-Form or Juvenile Card. The parent or guardian must also provide their valid CNIC and proof of income. The account is managed by the guardian until the child comes of age.
Q. How long does it take for an account to open at a branch?
It depends on the account type. The Asaan Account opens immediately after submission. Standard accounts go through Allied Bank's internal review and compliance process, which typically takes up to 2 working days. Having your documents ready before you apply saves time and avoids delays. You can start your ABL account opening journey today — visit the Be Our Customer page on abl.com or walk into any of Allied Bank's 1,400+ branches across Pakistan.