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

Bank Alfalah's schedule of charges for July to December 2026 keeps IBFT free up to Rs 25,000 a month, then charges 0.1% or Rs 200, whichever is lower. Cash at another bank's ATM costs Rs 35, Visa debit cards cost Rs 3,800 to Rs 23,000 a year, and branch SMS alerts cost Rs 250 or Rs 300 a month. The Alfa app, internet banking and account closing are free.

We read Bank Alfalah's conventional banking schedule, effective 1 July to 31 December 2026, on 1 November 2026. Its cover says the figures exclude FED and sales tax, so tax is added on top unless a line says otherwise. Below are the fees an ordinary account holder meets: transfers, debit cards, ATMs, SMS, cheques and minimum balance charges.

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

Bank Alfalah charges nothing for interbank transfers until your total passes Rs 25,000 in a month per account. After that each transfer costs 0.1% of the amount or Rs 200, whichever is lower. Sending an IBFT through a branch counter costs a flat Rs 200, tax included.

The counter fee is the one to avoid. A Rs 10,000 transfer at the counter costs Rs 200, the same as the cap on a Rs 1 million transfer in the app. The daily limit on those app transfers depends on the package you pick in the Alfa app's daily limit settings.

Bank Alfalah debit cards cost Rs 3,000 to Rs 23,000 a year

A Bank Alfalah Visa Classic debit card costs Rs 3,800 a year, Gold Rs 5,500, Platinum Rs 11,000 and Signature Rs 23,000. PayPak, Pink PayPak and UnionPay PayPak Classic cards cost Rs 3,000. Supplementary cards cost roughly half the basic card.

Some accounts can avoid the fee. For Kamyab Karobar and Kashtkaar accounts, the schedule says the issuance fee is charged only if a Rs 50,000 average is not kept, and the annual fee is waived when the six month average is Rs 50,000 or more. Premier customers get PayPak, Pehchaan and foreign currency cards free, and Infinite customers get all cards free.

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

Cash from a Bank Alfalah ATM is free. A withdrawal from another bank's ATM costs Rs 35, and a balance check there costs Rs 4.67. A printed receipt costs Rs 5 at an Alfalah ATM and Rs 4.67 elsewhere.

• Cash from an ATM abroad: Rs 400 or 4% of the amount, whichever is higher.
• Cash from another bank's POS machine: Rs 300 or 3%, whichever is higher.
• Card payments in foreign currency: 4.5% of the amount, or Rs 125, whichever is higher.
• An online or foreign POS payment declined: Rs 90 each time.
• Airport CIP lounge visit on a debit card: nil.

The 4.5% foreign fee is higher than the 4% several other banks charge. On a USD 100 online subscription that is about 4.5 dollars on every payment, before any withholding tax on foreign spending.

Bank Alfalah SMS alerts cost Rs 250 or Rs 300 a month

Bank Alfalah charges Rs 250 a month plus FED for SMS alerts on branch, counter and digital transactions, with Alfa activity sent as in-app notifications. Adding SMS for Alfa transactions too costs Rs 300 a month. SMS pull banking costs Rs 60 a month.

Debit card SMS alerts are listed as free in the card section, so the Rs 250 or Rs 300 is the branch banking alert service. If you mostly use the Alfa app, the in-app notifications may be enough and the Rs 250 tier is the one to ask about.

Cheques, closing and minimum balance at Bank Alfalah

Stopping a cheque at Bank Alfalah costs Rs 750, capped at Rs 1,650 for several cheques from one book. A cheque returned in inward clearing costs Rs 1,000. Opening, closing and dormant accounts cost nothing.

A Current Plus account below a Rs 25,000 monthly average pays Rs 43 a month. Kamyab Karobar, RoyalProfit and Kifayat accounts pay Rs 43 below Rs 50,000. Saving, Asaan, Pehchaan rupee, pensioner, Care and kids accounts have no such charge.

1. Send transfers in the Alfa app, not at the counter, to avoid the flat Rs 200.
2. Withdraw from Bank Alfalah ATMs to skip Rs 35 a time.
3. Keep a Current Plus account above Rs 25,000 on average to avoid Rs 43 a month.
4. Pick in-app notifications if you do not need SMS for every branch transaction.
5. Use a card with a lower foreign fee for regular overseas subscriptions.

Closing is free, but leave the account at zero and return the cards, as set out in closing a bank account properly. For what Bank Alfalah pays on deposits, see Bank Alfalah profit rates.

Roshan Digital Accounts at Bank Alfalah pay no maintenance fee

Bank Alfalah's Roshan Digital Account section lists account opening, maintenance and balance enquiry as free in both rupee and foreign currency versions. The first cheque book of 25 leaves is free and later books cost Rs 22.5 a leaf. A Visa Gold debit card on the rupee account costs Rs 5,500.

The schedule adds that Gold card issue on a Roshan Digital Account is not free: both issue and annual fee of Rs 5,500 apply. A replacement card on that account costs Rs 3,000.

Common questions

What are Bank Alfalah IBFT charges in 2026?

IBFT is free up to Rs 25,000 a month per account. Above that it costs 0.1% or Rs 200, whichever is lower. A counter IBFT costs Rs 200.

What is the Bank Alfalah debit card annual fee?

Rs 3,000 for PayPak, Rs 3,800 for Visa Classic, Rs 5,500 for Gold, Rs 11,000 for Platinum and Rs 23,000 for Signature, before tax.

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

Rs 35 per withdrawal and Rs 4.67 per balance enquiry. Its own ATMs are free.

Does Bank Alfalah charge to close an account?

No. Account closing is listed as nil on the July to December 2026 schedule.

What is the Bank Alfalah helpline?

The schedule's cover lists 021-111-225-111.

How we verified this

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

We read Bank Alfalah's schedule of charges for July to December 2026, conventional on 1 November 2026, linked from its schedule of charges page. Figures exclude FED and sales tax unless stated. The comparison examples are our arithmetic. We could not verify the general cheque book price for ordinary accounts, which the conventional schedule refers to another section for, or the certificate fees, whose labels are garbled in the document.