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

We read JS Bank's own schedule of charges for July to December 2026 on 8 November 2026. It is a 47 page PDF linked from jsbl.com. Federal excise duty and other government taxes may be added on top of many lines. Below is every fee an ordinary account holder is likely to meet, in plain tables, with the account level waivers left to your branch.

JS Bank IBFT is free up to Rs 25,000 a month and Raast is free

JS Bank charges nothing for interbank fund transfers until your total for the month passes Rs 25,000 per account or wallet. After that each transfer costs 0.1% of the amount or Rs 200, whichever is lower, including taxes. Raast transfers are free at any amount the app allows.

So a Rs 40,000 transfer after the free limit is used costs Rs 40. A Rs 300,000 transfer costs the full Rs 200. The same transfer through Raast costs nothing, which is why we suggest Raast for large amounts. If you have not set one up, see how to create a Raast ID in your bank app.

The counter is the expensive way to send money. A Rs 600,000 transfer costs Rs 300 at the branch but nothing over Raast. For a side by side view of other banks, see IBFT charges at every bank.

JS Bank debit cards cost Rs 1,500 to Rs 17,000 a year

A JS Bank Mastercard costs Rs 1,000 to issue. The yearly fee is Rs 2,500 for Gold, Rs 3,500 for Titanium, Rs 7,000 for Platinum and Rs 17,000 for World. A PayPak card costs Rs 1,000 to issue and Rs 1,500 a year. Every card also carries a Rs 1,000 yearly chip maintenance charge.

The schedule also lists a smaller retention fee, from Rs 250 for Gold to Rs 400 for World, for accounts that keep the average balance set in their product terms. Ask the branch which of the two applies to your account. 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.

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

Cash from a JS Bank ATM is free. A withdrawal from another bank's ATM costs Rs 35, and a balance check there costs Rs 4.67 without a receipt. Abroad, cash and card purchases cost 4.5% of the amount or Rs 350, whichever is higher.

• Cash withdrawal at a JS Bank ATM: free.
• Cash withdrawal at another bank's ATM: Rs 35, unless your product waives it.
• Balance enquiry at another bank's ATM: Rs 4.67.
• Printed receipt for a withdrawal or balance check: Rs 9.34.
• Mini statement at the ATM: free.
• Card purchase in Pakistan: free.
• Cash or purchase abroad on a rupee card: 4.5% or Rs 350, whichever is higher.
• Foreign currency card abroad: no fee.
• Card captured by an ATM abroad: USD 15.

A Rs 20,000 purchase abroad costs Rs 900 in fees on a rupee card, because 4.5% beats the Rs 350 floor. Government tax on foreign card spending is separate. Our guide to ATM withdrawals abroad compares other banks and wallets.

Branch SMS alerts cost Rs 1,800 a year at JS Bank

JS Bank charges Rs 1,800 a year, or Rs 150 a month, for SMS alerts on branch and counter activity. SMS alerts on digital transactions are free. So are e-statements, internet banking registration and utility bill payments.

The Rs 1,325 gap between a pay order against your account and one against cash is the biggest trap here. Deposit the cash first and then ask for the pay order. Read more on pay order charges at other banks.

JS Bank lockers cost Rs 6,000 to Rs 10,000 a year

A small JS Bank locker costs Rs 6,000 a year, a medium Rs 9,000 and a large Rs 10,000. You can pay a security deposit of Rs 50,000, Rs 80,000 or Rs 95,000 instead. A refundable key deposit of Rs 5,000 to Rs 8,000 is also taken.

Late payment adds 10% if the fee is not paid within 30 days of renewal. Breaking a locker costs Rs 6,000 plus actual expenses. Private banking lockers are larger and far dearer, from Rs 16,000 to Rs 30,000 a year.

To check what your own account pays, follow these steps:

1. Open the JS Bank app and note your account type and last month's average balance.
2. Find your account in the product section of the schedule, which lists free cheque books, cards and waivers.
3. Compare that with the general fees in the tables above.
4. Call JS Bank on 021 or 051 111-654-321 if a fee you were charged is not in the schedule.
5. If the bank does not fix it, complain in writing and keep the reference number.

Common questions

What are JS Bank IBFT charges in 2026?

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

What is the JS Bank debit card annual fee?

Rs 1,500 for PayPak, Rs 2,500 for Mastercard Gold, Rs 3,500 for Titanium, Rs 7,000 for Platinum and Rs 17,000 for World, plus a Rs 1,000 yearly chip charge.

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

Rs 35 per cash withdrawal and Rs 4.67 per balance check, unless your account's product terms waive it.

Does JS Bank charge to close an account?

No. The schedule says account closure on the customer's request is free for all accounts.

How much are JS Bank SMS alerts?

Rs 1,800 a year or Rs 150 a month for branch activity alerts. Alerts on digital transactions are free.

Does a Roshan Digital Account at JS Bank pay these fees?

Mostly not. SMS alerts, mobile and internet banking and account maintenance are free on JS Bank's Roshan Digital accounts, and the bank deducts nothing on inward remittances. Correspondent banks may still charge. See how to open a Roshan Digital Account.

How we verified this

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

We read JS Bank's Schedule of Charges, July to December 2026 on 8 November 2026, listed on the bank's schedule of charges page. The Rs 40, Rs 300 and Rs 900 examples are our arithmetic. Product level waivers vary by account, so we leave them to the bank. To register for the app, see the JS Mobile app guide, and for returns on deposits see JS Bank profit rates.