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

We read First Women Bank Limited's own Schedule of Bank Charges for 1 July to 31 December 2026 on its public documents page on 10 November 2026. The bank, known as FWBL, issued it on 9 June 2026 under circular 2026-06. Every charge below is exclusive of federal excise duty (FED) and other government levies, which the bank adds on top. FWBL was privatised on 15 April 2026, when ownership passed to EVE Holding, the bank says, but the fee schedule is still its own.

First Women Bank ATM charges are Rs 35 at other banks

Cash withdrawals at First Women Bank's own ATMs are free. At any other bank's ATM on the 1-Link network, FWBL charges Rs 35 a withdrawal, a rate in force since 1 August 2025. Balance checks at other ATMs cost Rs 4.67 each.

FWBL has a small ATM network, so most customers will use other banks' machines at some point. Five withdrawals a month at another bank's ATM cost Rs 175 a month, or Rs 2,100 a year, by our sums. Taking out larger amounts less often keeps that cost down, because the fee is per withdrawal, not per rupee.

• FWBL ATM cash withdrawal: free.
• Other 1-Link ATM cash withdrawal: Rs 35 each.
• Balance inquiry at FWBL ATM: free.
• Balance inquiry at another bank's ATM (switch): Rs 4.67 each.
• Mini statement at an FWBL ATM: Rs 5 each.
• FBR tax and duty payments through ATM and other digital channels: free.

IBFT is free up to Rs 25,000 a month

Online transfers to other banks, called IBFT (Inter Bank Fund Transfer), are free up to Rs 25,000 a month in total. Above that, FWBL charges 0.1 per cent of the amount or Rs 200, whichever is lower. An IBFT made at the branch counter costs Rs 100.

The 0.1 per cent rule means a Rs 50,000 transfer above the free limit costs Rs 50, and anything from Rs 200,000 upward costs the Rs 200 cap. Utility bill payments through FWBL's digital channels are free. Transfers within the same city through the branch (intra-city online) are also free.

Branch transfers between cities (inter-city online) cost Rs 250 flat. They are free if you keep an average monthly balance of Rs 50,000 in a current account or Rs 250,000 in a savings account, or if you move money between accounts in your own name.

SMS alerts cost Rs 50 a month, and Rs 600 a year

First Women Bank charges Rs 50 a month for SMS alerts if you do not hold its debit card. That is Rs 600 a year before FED, which is lower than any of the 14 banks in our SMS alert charges comparison. Smart, Pearl and Mahana Khazana account holders get SMS alerts free.

The schedule lists the Rs 50 fee under the PayPak debit card section, for "non debit card holders". It does not print a separate SMS fee for debit card holders, so ask the branch whether your card account is charged at all.

The PayPak debit card costs Rs 1,500 to issue and Rs 1,500 a year

FWBL's PayPak chip debit card costs Rs 1,500 to issue, Rs 1,500 a year, and Rs 1,500 to replace. Zindagi Asaan account holders get 50 per cent off the issue fee. FWBL stopped issuing Mastercard debit cards from 1 August 2025, so PayPak is the only card in the schedule.

1. Issue fee: Rs 1,500, or Rs 750 on a Zindagi Asaan account by our sums.
2. Annual fee: Rs 1,500.
3. Replacement or duplicate card: Rs 1,500.
4. Document retrieval for a disputed shop (POS) payment: Rs 100.
5. Arbitration on a card dispute: Rs 10,000.

Cheque book, pay order and other branch charges

A cheque book costs Rs 20 a leaf, so a 25 leaf book costs Rs 500. A pay order costs Rs 400 for account holders. A cheque returned for low balance costs Rs 600, and stopping a cheque costs Rs 500. Current accounts with Rs 1,000,000 average balance get free cheque books and pay orders.

The schedule also sets the fee charged to schools and universities that collect fees by pay order: no charge to the student depositing the fee, and no more than 0.5 per cent of the fee or Rs 25 per instrument on related pay orders, whichever is less.

Locker fees run from Rs 4,500 to Rs 9,000 a year

A small locker costs Rs 4,500 a year, a medium Rs 7,000 and a large Rs 9,000. You also pay a refundable key deposit of Rs 15,000, Rs 20,000 or Rs 25,000. From July 2026, late payment carries a 10 per cent fee after a 7 day grace period.

You can get a locker free if you place a larger key deposit: Rs 75,000 for small, Rs 100,000 for medium and Rs 150,000 for large. New current account customers with Rs 500,000 average balance can also get a free locker, if one is free at the branch.

Accounts that waive most of these fees

Three FWBL accounts make most everyday charges free. The Smart Account needs Rs 50,000 average balance, and the Pearl Account, for women, needs Rs 1,000,000. Mahana Khazana gives a free card, SMS and online banking. FED still applies to each waived item.

• Smart Account (Rs 50,000 average balance): free debit card, first cheque book, SMS alerts, pay orders and inter-city online transactions, plus 50 per cent off a small locker.
• FWBL Pearl Account (Rs 1,000,000 average balance): free PayPak card, SMS alerts, small locker, and internet and mobile banking.
• Mahana Khazana Account: free PayPak card, SMS alerts, and internet and mobile banking.
• Basic Banking Account: free for 2 deposits and 2 withdrawals a month, then Rs 10 a transaction.

For the profit these accounts pay, see our First Women Bank profit rates guide. For how FWBL compares with a larger bank, the Bank AL Habib schedule of charges uses the same headings, and the Allied Bank schedule of charges shows the same fees at another large lender.

What changed from the January to June 2026 schedule

FWBL's own change list shows few changes for customers. The fee for a same day clearing cheque returned for low balance is set at Rs 700. Locker late fees now come with a 7 day grace period. Retrieving old records up to a year back now has a fixed Rs 500 fee.

1. Same day clearing return (outward): Rs 700, now limited to cheques returned for insufficient funds.
2. Redemption of charge fee at the registrar: Rs 2,000 to Rs 2,500.
3. Vacation of charge with SECP: Rs 3,000 to Rs 3,500.
4. Other guarantees: minimum Rs 1,000 to Rs 1,500 a quarter.
5. Pearl Account small locker: free only with Rs 1,000,000 average balance.
6. Record retrieval up to 1 year: Rs 500, a new line.

Frequently asked questions

How much does First Women Bank charge at other banks' ATMs?

Rs 35 a cash withdrawal at any other 1-Link ATM, plus FED. Its own ATMs are free.

Is IBFT free at First Women Bank?

Yes, up to Rs 25,000 a month in total. Above that it costs 0.1 per cent of the amount or Rs 200, whichever is lower.

What are First Women Bank SMS alert charges?

Rs 50 a month for customers without its debit card, which is Rs 600 a year before FED. Smart, Pearl and Mahana Khazana accounts get them free.

What is the First Women Bank debit card annual fee?

Rs 1,500 a year for the PayPak debit card, and Rs 1,500 to issue it. Mastercard debit cards were stopped on 1 August 2025.

How much is a First Women Bank cheque book?

Rs 20 a leaf, so Rs 500 for 25 leaves. It is free on current accounts keeping Rs 1,000,000 average balance.

Do these charges include tax?

No. The schedule says every charge is exclusive of FED, sales tax and other government levies.

How we verified this

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

We read First Women Bank's public documents page and the Schedule of Bank Charges for 1 July to 31 December 2026 (circular 2026-06, dated 9 June 2026) on 10 November 2026, along with the bank's notice on its privatisation. All sums marked as ours are our own arithmetic. Check with your branch before a large transaction, because the bank reserves the right to set charges by arrangement with Head Office approval.