Account Opening Documents

1.1) Valid Identity Documents (Any one of the following, duly attested by a Gazetted Officer / Nazim / Administrator or Bank Officer):

• Computerized National Identity Card (CNIC)

• Smart National Identity Card (SNIC)

• National Identity Card for Overseas Pakistani (NICOP)
  (For Pakistanis holding dual nationality)

• Pakistan Origin Card (POC)
  (For Foreign Nationals of Pakistani Origin)

• Alien Registration Card (ARC)
  (For local currency accounts of Registered Aliens residing in Pakistan)

• Valid Passport with Visa or Legal Stay Proof
  (For Foreign National Individuals)

1.2) CNIC Without Photograph

• Copy of Birth Certificate / Educational Certificate / Degree / Driving License / Service Card / Pension Book / Nikkah Nama / Insurance Certificate

• Photograph attested by a Gazetted Officer / Nazim / Administrator / Bank Officer

• Attested copy of CNIC (without photograph) by the same individual who attested the photograph

1.3) CNIC/SNIC with Thumb Impression Only

• A passport size photograph
  (If not opening a “Photo Account,” please obtain a fresh CNIC/SNIC with signature from NADRA)

1.4) Expired CNIC/SNIC

• Attested copy of NADRA receipt/token for issuance of new card

• Attested copy of expired CNIC/SNIC

1.5) Shaky or Immature Signatures

• A passport size photograph

2.1) Employed/ Salaried Persons (Including Foreign Nationals)

a) Proof of Profession (Any one of the following):

• Valid Job/Employee Card
• Employer/Job Certificate
• Employment Contract / Employer Letter
• Iqama / Work Permit showing employment details
• Any other Document evidencing the Profession

b) Proof regarding Amount of Earnings (Any one of the following):

• Latest Salary Slip / Salary Certificate
• Payment Slips/Record
• Account Statement
• Income Tax Statement/Return
• Certificate regarding Deduction of Income Tax issued by the Employer
• Any other Document evidencing Source of Income

2.2) Students

• Valid student ID card or Letter from Educational Institute
• Valid Identity Document of Funds Provider
• Applicable Proof of Business/Work/Profession and Proof regarding Amount of Earnings of Funds Provider

2.3) Retired Persons/ Pensioners

a) Proof of Profession (Any one of the following):

• Retirement Letter / Proof of Retirement evidencing the Profession

b) Proof regarding Amount of Earnings (Any one of the following):

• Pension Book
• Evidence of Terminal Benefits
• Any other document evidencing retirement income

2.4) Self-Employed Individuals / Professionals

a) Proof of Business/Work (Any one of the following):

• Business Letterhead Declaration / Business Documents
• Partnership / Business Deed (where applicable)
• NTN / STRN Certificate (where applicable)
• Iqama / Work Permit (for overseas self-employed individuals)
• Registration Certificate (where applicable)
• Trade Body Membership Certificate (where applicable)

b) Proof regarding Amount of Earnings (Any one of the following):

• Receipt of Payment against Work
•  Account Statement
• Tax Statement/Return
• Any other supporting document evidencing income

2.5) Landlords – Agriculture Property

a) Proof of Business/Work:

• Land Ownership Record (Registry/Fard Malkiat/Jama Bandi/Khasra Gardwari/Passbook etc.)

b) Proof regarding Amount of Earnings (Any one of the following):

• Account Statement
• Income Tax Statement/Return
• Any authentic document evidencing agricultural income

2.6) Landlords – Non-Agricultural Property

a) Proof of Business/Work:

• Valid Rent Agreement

b) Proof regarding Amount of Earnings (Any one of the following):

• Account Statement
• Income Tax Statement/Return
• Any authentic document evidencing rental income

2.7) Illiterate Blind or Visually Impaired Individuals (In addition to applicable documents)

• Photograph of the individual
• Copy of Identity Document of a known witness

2.8) Illiterate Individuals (In addition to applicable documents)

• Photograph of the individual
• Copy of Identity Document of a known witness

2.9) Freelancers

a) Proof of Business/Work (Any one of the following):

• Business / Proprietor Letterhead bearing the customer’s name and contact details
• Any other document evidencing the customer’s engagement in freelancing or self-employment

b) Proof regarding Amount of Earnings (Any one of the following):

• Account Statement
• Receipt of Payment against the Work
• Income Tax Statement/ Return
• Any other document evidencing legitimate income derived from freelancing activity.

2.10) Housewives / Unemployed Dependent Individuals

• Valid Identity Document of the Funds Provider
• Applicable Proof of Business/Work/Profession and Proof regarding Amount of Earnings of the Funds Provider

Account Opening to Regularization: Within 3 working days.