How to Open a Bank Account in Pakistan – Documents & Online Process 2025

🏦 How to Open a Bank Account in Pakistan – Complete Guide

Introduction

Opening a bank account in Pakistan has become easier than ever. Whether you are a student, professional, or business owner, having a bank account is essential for savings, online payments, receiving salaries, or sending money.

In this guide, we’ll explain the documents required, account types, online account opening process, and the difference between Islamic & Conventional banks in Pakistan.

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📋 Documents Required to Open a Bank Account

To open a bank account in Pakistan, you usually need:

1. CNIC (Computerized National Identity Card) – Original + copy.

2. Proof of Income – Salary slip, employment letter, or business proof.

3. Proof of Address – Utility bill, rent agreement, or permanent address on CNIC.

4. Two Passport Size Photographs.

5. For Students: Student ID card or university enrollment letter.

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🏦 Types of Bank Accounts in Pakistan

1. Current Account

   • For businesses and daily transactions.

   • No profit given.

2. Savings Account

   • For individuals and families.

   • Profit/interest given monthly or quarterly.

3. Student Accounts

   • Low minimum balance requirements.

   • Free ATM card and online banking.

4. Business Accounts

   • Special facilities for companies & organizations.

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💻 Online Account Opening in Pakistan

Many banks now allow you to open accounts online via mobile app or website.
Steps:

1. Visit the bank’s official website or download its mobile app.

2. Fill out the online account opening form.

3. Upload CNIC, photo, and supporting documents.

4. Verification is done via video call or branch visit.

5. Your ATM/debit card is delivered to your address.

Popular Banks Offering Online Accounts:

• HBL Konnect

• Meezan Bank Online Account

• UBL Digital Account

• Allied Bank myABL

• JazzCash / Easypaisa (branchless digital accounts)

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☪ Islamic vs Conventional Banks

Islamic Banks (Meezan Bank, Bank Islami, Dubai Islamic Bank):

• Work under Shariah principles.

• No interest (Riba-free).

• Profit-sharing system.

Conventional Banks (HBL, UBL, MCB, Allied):

• Work under traditional banking.

• Offer interest-based savings.

Tip: If you want Shariah-compliant banking, choose Islamic banks.

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✅ Conclusion

Opening a bank account in Pakistan is a simple process if you have the required documents. Whether you choose an Islamic or conventional bank, almost all banks now offer online account opening facilities for convenience.

👉 Stay connected with Pak Guide Hub for more financial guides.