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

HabibMetro'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 from another bank's ATM costs Rs 35, Visa debit cards cost Rs 3,300 to Rs 35,000 a year, and SMS alerts on all transactions cost Rs 300 a month. Pay orders and account closing are free.

We read HABIB METRO Bank's English schedule for 1 July to 31 December 2026 on 1 November 2026. It is a long document that mostly covers trade and loans, so we pulled out the lines that matter to an ordinary account holder: transfers, cards, ATMs, SMS, cheques, certificates and minimum balance charges.

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

HabibMetro charges nothing for transfers to other banks until your total passes Rs 25,000 in a month. After that each transfer costs 0.1% of the amount or Rs 200, whichever is lower. The schedule says that fee already includes 1Link charges and government taxes.

The free pay order stands out. Allied Bank, for example, charges Rs 400 to Rs 800 for a banker's cheque drawn on your account, so HabibMetro is a cheap place to make a pay order for a fee, a deposit or a tender. Cancelling or replacing a pay order costs Rs 500, and an SBP or NBP cheque costs Rs 500.

HabibMetro Visa debit cards cost Rs 3,300 to Rs 35,000 a year

A HabibMetro Visa Premium or Classic debit card costs Rs 3,300 a year. Gold costs Rs 4,400, Platinum Rs 7,500, the Business card Rs 16,000 and Visa Infinite Metal Rs 35,000. The PayPak card costs Rs 2,200 and UnionPay Rs 3,000. The same fee covers issue, renewal and an additional card.

Platinum has an entry rule: a Rs 3 million average balance over the last three months. Supplementary cards cost the same as the main card, the schedule says, so a second card for a family member doubles the bill.

HabibMetro charges Rs 35 for cash at another bank's ATM

Withdrawing cash from another bank's ATM in Pakistan costs Rs 35 per transaction on every HabibMetro card. A balance check there costs Rs 4.67, and a printed receipt another Rs 4.67. Local shop and POS payments are free.

• Cash from an ATM abroad: 4% of the amount.
• Card payments and online purchases with foreign merchants: 4% of the amount, plus up to 2% over the market rate for conversion.
• Balance enquiry abroad: Rs 375.
• A foreign payment declined for low balance: Rs 55.
• Cash withdrawal through an H-POS terminal: Rs 25.

The 4% plus conversion margin adds up quickly on a trip or a big online order. On a Rs 50,000 foreign purchase, the 4% alone is Rs 2,000, by our sums. Reporting a lost Visa card through Visa's service abroad costs USD 35.

HabibMetro SMS alerts cost Rs 300 a month

HabibMetro charges Rs 300 a month for SMS alerts on all transactions to a Pakistani number and Rs 500 a month to a foreign number. Alerts for digital and alternate channel transactions only are free, so the fee is really for alerts on counter and cheque activity.

If you mostly bank through the app, the free option may be all you need. You can turn on alerts after registering for HabibMetro mobile banking, which also lists the SMS banking codes on 9355. Reissuing an internet banking PIN costs Rs 100.

Cheques, certificates and closing at HabibMetro

HabibMetro charges Rs 29 a cheque leaf, though the first cheque book on a current account is free. Stopping a cheque costs Rs 625, a cheque returned for low balance Rs 800 plus FED, and closing an account is free.

Minimum balance charges are light. A savings account averaging below Rs 10,000 in a month pays Rs 43 plus tax, but regular PLS Saving, Ladies Saving, all current accounts, Asaan, Basic Banking and Roshan Digital Accounts are exempt. A Silver Current Account below Rs 50,000 pays Rs 180 for that month.

1. Keep regular transfers inside the free Rs 25,000 a month; above it, the fee never goes past Rs 200 a transfer.
2. Use HabibMetro ATMs where you can to avoid the Rs 35 charge.
3. Pick free digital alerts unless you need alerts on cheques and counter cash.
4. Collect a cheque book within 40 days, or pay Rs 300 for not collecting it.
5. Ask for an e-statement instead of a Rs 28 paper copy.

Closing is free, but a dormant account can keep attracting charges, so follow the steps for closing a bank account properly. For a wider comparison, the bank to wallet transfer fees show how IBFT and Raast compare across banks.

Online cash at another HabibMetro city costs Rs 375 on savings

Withdrawing or depositing cash at a HabibMetro branch in another city costs Rs 375 per transaction on savings accounts, the schedule says. Standing instructions cost Rs 350 each on a rupee account, or Rs 25 for up to five set up through web or mobile banking.

That makes the app the cheaper way to set up recurring payments. Five standing instructions at the counter would cost Rs 1,750, against Rs 25 online, by our sums.

Common questions

What are HabibMetro 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, including 1Link charges and taxes.

What is the HabibMetro debit card annual fee?

Rs 2,200 for PayPak, Rs 3,000 for UnionPay, Rs 3,300 for Visa Classic, Rs 4,400 for Gold and Rs 7,500 for Platinum.

How much are HabibMetro SMS alert charges?

Rs 300 a month for alerts on all transactions to a local number. Alerts on digital transactions only are free.

Does HabibMetro charge for a pay order?

No. Issuing a pay order is free on the July to December 2026 schedule. Cancelling or replacing one costs Rs 500.

What is the HabibMetro helpline?

HabibMetro lists 111-1-HABIB (42242) for customer service on its contact centre page.

How we verified this

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

We read HabibMetro's schedule of charges for July to December 2026 on 1 November 2026, linked from its schedule of charges page. The helpline is from HabibMetro's contact centre page. The Rs 2,000 and Rs 1,750 examples are our arithmetic. The government payment slabs are printed out of line in the document, so we matched each fee to its slab in order; check at the branch before a large tax payment. We could not verify whether FED is added to the card and ATM fees, which the schedule does not state line by line.