Bank AL Habib Schedule of Charges July to December 2026: IBFT, ATM, Debit Card and SMS Fees in Pakistan (Full List)

We read Bank AL Habib's own schedule of bank charges for July to December 2026 on 9 November 2026. It is a 19 page PDF, issued under the bank's circular 093 of 21 May 2026, and linked from bankalhabib.com. Its last pages list what changed from the January to June schedule. Below is every fee an ordinary account holder is likely to meet, and which ones went up. Federal excise duty and other government taxes are added on top where they apply.

Bank AL Habib IBFT is free up to Rs 25,000 a month

Bank AL Habib charges nothing for transfers to other banks through the app, internet banking or an ATM until the month's total passes Rs 25,000 for that account. After that, each transfer costs 0.1% of the amount or Rs 200, whichever is lower. Transfers inside Bank AL Habib are free.

So once the free Rs 25,000 is used, a Rs 50,000 transfer costs Rs 50 and a Rs 500,000 transfer costs the full Rs 200. The schedule has no separate line for Raast, the State Bank's instant payment system. For large amounts, check in the app whether Raast is offered before you pay the IBFT fee. If you have not set one up, see how to create a Raast ID in your bank app.

For a side by side view of other banks, see IBFT charges at every bank.

Bank AL Habib charges Rs 35 for cash at another bank's ATM

A cash withdrawal from another bank's ATM costs Rs 35. A balance check there costs Rs 4.67. The schedule lists no fee for the withdrawal itself at a Bank AL Habib ATM, but a printed receipt costs Rs 4.67 at any ATM. Abroad, cash costs 4.5% or Rs 300, whichever is higher.

• Cash withdrawal at another bank's ATM: Rs 35 per withdrawal.
• Balance enquiry at another bank's ATM: Rs 4.67.
• Printed receipt at any ATM, for a withdrawal, balance check, transfer, bill payment or PIN change: Rs 4.67.
• New ATM PIN: free.
• Cash withdrawal abroad on a Visa or UnionPay card: 4.5% of the amount or Rs 300, whichever is higher.
• Card purchase or online payment in a foreign currency: 4.5% of the amount.
• Balance enquiry abroad: Rs 300.

The cheapest habit is simple: say no to the receipt, and use a Bank AL Habib ATM where you can. Five withdrawals a month from other banks' ATMs cost Rs 175 a month, or Rs 2,100 a year.

Bank AL Habib debit cards cost Rs 2,750 to Rs 23,000 a year

The yearly fee is the same as the issue and replacement fee for each card. A PayPak card costs Rs 2,750, a UnionPay card Rs 3,000, Visa Silver Rs 3,700, Visa Gold Rs 4,500, Visa Platinum Rs 10,000 and Visa Signature Rs 23,000. A dollar debit card costs USD 14.

The PayPak fee is waived on the Current, Current Plus and Apna Individual accounts if you keep a monthly average balance of Rs 25,000, and on the Remit account at Rs 5,000. The daily limits and pictures of each card are in our Bank AL Habib debit card guide. Under SBP rules a bank can charge the annual fee only on a card you have activated, as our guide to the annual fee after activation rule explains.

Bank AL Habib SMS alerts cost Rs 255 a month

SMS alerts for branch and counter activity cost Rs 255 a month per account for individuals and sole proprietors, up from Rs 245. That is Rs 3,060 a year. Business accounts pay Rs 450 a month. The fee line says it covers alerts other than digital transactions.

So alerts on app transfers and card use are outside this fee, and the paid alerts are for things like cheques and cash at the branch. The same Rs 255 applies to Roshan Digital Accounts. To compare with other banks, see our SMS alert charges list.

Bank AL Habib raised cheque book and cheque return fees

The July to December 2026 schedule raised several branch fees. A cheque book now costs Rs 35 a leaf, up from Rs 30. A cheque that bounces for lack of funds now costs Rs 1,000, up from Rs 850. A banker's cheque costs Rs 600, up from Rs 550.

Some fees did not change. Pensioner accounts still get a free cheque book. A banker's cheque made to pay fees to a school, college, university, HEC or an exam board is still free. Same day clearing is free, and stop payment is Rs 750 per instruction.

Bank AL Habib certificates, statements and lockers

A statement for up to six months costs Rs 35, plus Rs 35 for each further six months. A balance certificate costs Rs 500 and an account maintenance certificate Rs 375. Locker rents went up: Rs 7,500 a year for small, Rs 9,500 for medium and Rs 13,000 for large.

The locker fee is recovered in advance when the key deposit is not met, and a late fee of Rs 700 to Rs 1,150 applies after a 30 day grace period. Lockers are only in some branches. Cash deposits at a Bank AL Habib cash deposit machine are free for its own account holders.

How to check the fee on your own account

The general fees above apply to most accounts, but some products waive them. Check your account type first, then the fee. If you were charged something the schedule does not list, ask the bank to reverse it in writing.

1. Open the AL Habib Mobile app and note your account type and last month's average balance.
2. Open the schedule of charges PDF on bankalhabib.com and find the fee in the tables above.
3. Check whether your account's own terms waive it, for example the PayPak fee above Rs 25,000.
4. Call the helpline on 021 111 014 014 if a fee on your statement is not in the schedule.
5. If the bank does not fix it, file a written complaint, keep the reference number, and escalate to SBP's Sunwai portal if needed.

Common questions

What are Bank AL Habib IBFT charges in 2026?

IBFT through the app, internet banking or an ATM is free up to Rs 25,000 a month per account. Above that, each transfer costs 0.1% or Rs 200, whichever is lower, plus tax where it applies.

How much does Bank AL Habib charge at another bank's ATM?

Rs 35 for each cash withdrawal and Rs 4.67 for each balance check. A printed receipt costs Rs 4.67 at any ATM.

What is the Bank AL Habib debit card annual fee?

Rs 2,750 for PayPak, Rs 3,000 for UnionPay, Rs 3,700 for Visa Silver, Rs 4,500 for Visa Gold, Rs 10,000 for Visa Platinum and Rs 23,000 for Visa Signature.

How much are Bank AL Habib SMS alerts?

Rs 255 a month per individual account for alerts on non-digital activity, which is Rs 3,060 a year. Business accounts pay Rs 450 a month.

How much is a Bank AL Habib cheque book?

Rs 35 a leaf from July 2026, up from Rs 30. A 10 leaf express cheque book costs Rs 450. Pensioner accounts get the cheque book free.

Is a banker's cheque for university fees free at Bank AL Habib?

Yes. The schedule says there is no charge for a banker's cheque or draft made to pay fees or dues to educational institutions, HEC or a board. Other banker's cheques cost Rs 600.

How we verified this

What we checked, where we read it, and what we could not confirm.

We read Bank AL Habib's Schedule of Bank Charges, July to December 2026 on 9 November 2026, linked from the bank's schedule of charges page. The old and new figures come from the change list at the end of the same PDF. The Rs 50, Rs 175 and Rs 2,100 examples are our arithmetic. For what the bank pays on deposits, see Bank AL Habib profit rates for November 2026, and for its credit cards see Bank AL Habib credit card charges.