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

The Bank of Khyber'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 1Link ATM costs Rs 35, debit cards cost Rs 1,700 to Rs 7,000 a year, and SMS alerts on counter transactions cost Rs 200 a month. Raast transfers and utility bill payments are free.

We read BOK's schedule for its conventional branches, covering 1 July to 31 December 2026, on 1 November 2026. Many lines carry a "Yes" in a column headed "Add FED as applicable", which means federal excise duty is added on top. Below are the fees a BOK account holder in Khyber Pakhtunkhwa or elsewhere is most likely to pay.

BOK IBFT is free up to Rs 25,000 a month

Bank of Khyber charges nothing for transfers to other banks until your total passes Rs 25,000 in a month. Above that each transfer costs 0.1% of the amount or Rs 200, whichever is lower, whether you use an ATM, the counter or the BOK app. Raast transfers are free.

Raast is the way to move a big amount. A Rs 200,000 IBFT after your free Rs 25,000 hits the Rs 200 cap, while Raast costs nothing. Pay orders for a government tender's security deposit are exempt from the cancellation charge, the schedule says.

BOK debit cards cost Rs 1,700 to Rs 7,000 a year

A BOK PayPak debit card costs Rs 1,700 a year and the JCB PayPak co-badged card Rs 2,000. BOK Mastercard debit cards cost Rs 2,500 for Classic, Rs 3,500 for Gold and Rs 7,000 for Platinum. The same fee covers issue, replacement, renewal and the annual charge.

The digital cards are the bargain. A Digital Mastercard Gold for online and app payments costs Rs 400 for a one year expiry, Rs 600 for two years and Rs 800 for three, against Rs 3,500 a year for the plastic Gold card. The schedule adds that no exemption is allowed on Mastercard debit card charges, even for staff or senior citizens.

BOK charges Rs 35 for cash at another 1Link ATM

Cash from a BOK ATM is free. A withdrawal from another bank's ATM on the 1Link network costs Rs 35 including FED, and on the Mnet network Rs 15 for PayPak cards. A balance check at a 1Link ATM costs Rs 4.67 on PayPak and Rs 5.29 on Mastercard.

• Mini statement at a BOK ATM: Rs 5.
• Cash from an ATM abroad on Mastercard: 4% of the amount or Rs 300, whichever is higher.
• Cash from an ATM abroad on PayPak: 3% or Rs 400, whichever is higher.
• Shop and POS payments in Pakistan: nil.
• Foreign POS and online payments: 4% on Mastercard, 3% on PayPak.
• Foreign cards at a BOK ATM: Rs 1,000 per withdrawal.

The Mnet line is worth knowing. At Rs 15, an Mnet ATM costs less than half the Rs 35 1Link fee for a PayPak cardholder.

BOK SMS alerts on counter transactions cost Rs 200 a month

BOK charges Rs 200 a month, plus FED, for SMS alerts on counter and other non digital transactions. SMS alerts on digital transactions are free on its Mastercard debit cards. So if you bank mostly through the app or card, the free alerts may cover you.

Some accounts include alerts. The Kamal Plus current account lists unlimited free SMS alerts on all transactions, a free 50 leaf cheque book each year, a free debit card and free pay orders, if you keep a minimum daily balance of Rs 25,000. The Pay Plus account has no minimum balance and gives the first cheque book and debit card free.

Cheques, certificates and closing at BOK

A BOK cheque book costs Rs 20 a leaf. Stopping payment costs Rs 500 per instruction, a cheque returned for low balance Rs 500, and closing a current account Rs 250. PLS savings and Asaan accounts close free.

A current account below Rs 5,000, or a special deposit account below Rs 100,000, pays Rs 50 a month including FED. PLS savings accounts have no minimum balance charge. The Rs 300 balance confirmation does not apply when it is for verifying a certificate for a visa.

1. Use Raast for anything above the free Rs 25,000 a month.
2. Withdraw at BOK ATMs, or at Mnet ATMs with a PayPak card for Rs 15.
3. Pick a Digital Mastercard for online shopping instead of a Rs 3,500 plastic Gold card.
4. Keep a current account above Rs 5,000 to avoid Rs 50 a month.
5. Empty a current account before closing it, and expect the Rs 250 fee.

BOK also handles Khyber Pakhtunkhwa's Ehsaas Naujawan markup free loan. Before you close a BOK account, follow the steps for closing a bank account properly, and compare transfer routes in bank to JazzCash or Easypaisa transfers.

BOK's call centre is open around the clock on 091-111-265-265

Bank of Khyber's contact centre page describes a 24/7 phone service run by certified phone banking officers. The number it gives is 091-111-265-265. Call it at once to block a lost card, then check your statement for anything you did not make.

A retrieval request for a disputed card transaction costs Rs 1,000 on Mastercard, and arbitration is charged at actual cost. Raise a dispute quickly, while the evidence is fresh.

Common questions

What are Bank of Khyber IBFT charges in 2026?

IBFT is free up to Rs 25,000 a month. Above that, each transfer costs 0.1% or Rs 200, whichever is lower. Raast is free.

What is the BOK debit card annual fee?

Rs 1,700 for PayPak, Rs 2,000 for JCB PayPak, and Rs 2,500, Rs 3,500 or Rs 7,000 for Mastercard Classic, Gold or Platinum.

How much does BOK charge at another bank's ATM?

Rs 35 per withdrawal on 1Link ATMs, including FED. PayPak cards pay Rs 15 on Mnet ATMs.

Does BOK charge to close an account?

Yes, Rs 250 for a current account and USD 3 for a foreign currency account. PLS savings and Asaan accounts are exempt.

What is the Bank of Khyber helpline?

091-111-265-265, the 24/7 contact centre number on BOK's website.

How we verified this

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

We read the Bank of Khyber's schedule of charges for July to December 2026, conventional branches on 1 November 2026, linked from BOK's schedule of charges page. The helpline is from BOK's contact centre page. The comparison examples are our arithmetic. We did not read the separate Islamic banking schedule, and we could not verify whether the Kamal Plus and Pay Plus features are still offered to new customers this half year.