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

Khushhali Bank's schedule of charges for July to December 2026 makes transfers to other banks free up to Rs 25,000 a month per account, charges Rs 35 for cash at another bank's ATM, and sets SMS alerts at Rs 95 a month or Rs 950 a year. Its PayPak debit card costs Rs 1,200 a year for Silver and Rs 1,500 for Gold. Reactivating a dormant account is free.

We read Khushhali Microfinance Bank's schedule of charges, Annexure B for July to December 2026 on its website, on 31 October 2026. Below is every fee an ordinary account holder meets: transfers, ATMs, the debit card, cheques, statements, SMS, lockers and cash deposits through mobile wallet agents.

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

Transfers to other banks are free until an account sends Rs 25,000 in a month. Above that, Khushhali charges 0.1% of the amount over Rs 25,000 or Rs 200, whichever is lower. Raast transfers are free, and so are transfers between Khushhali accounts.

The wording is worth reading twice. Khushhali applies the 0.1% to the amount over Rs 25,000, not the whole transfer. On our reading, a Rs 75,000 transfer after the free limit is used costs 0.1% of Rs 50,000, which is Rs 50. The same free limit of Rs 25,000 runs across most banks, as set out in IBFT charges at Pakistani banks.

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

Cash from a 1-Link ATM of another bank costs Rs 35 without a receipt and Rs 39.67 with one. A balance check there costs Rs 4.67, or Rs 9.34 with a receipt. Khushhali's own ATMs are free.

Skip the receipt. It adds Rs 4.67 every time, and the SMS alert or app shows the same thing. If an ATM keeps your money without paying it out, the steps are in cash not dispensed but deducted.

The Khushhali debit card costs Rs 1,200 or Rs 1,500 a year

The PayPak Silver card costs Rs 1,200 to issue, Rs 1,200 a year and Rs 1,200 to replace. The Gold card costs Rs 1,500 for each. New customers opening salary or pension accounts get Rs 400 off the issuance fee if they apply within 30 days.

With the discount, the Silver card costs Rs 800 to issue and Gold Rs 1,100. The schedule lists these card fees as subject to federal excise duty, so expect tax on top. The daily limits come from Khushhali's debit card page. Teenagers on the Aaghaz account get the card free, according to that product's page.

Cheques, statements and SMS alerts at Khushhali

A cheque book costs Rs 30 a leaf for 5 leaves and Rs 25 a leaf for 10 or more. A printed statement costs Rs 35, an emailed one is free, and SMS alerts on account transactions cost Rs 95 a month or Rs 950 a year.

The yearly SMS plan saves Rs 190 against paying monthly, which is our arithmetic. And the schedule states there is no SMS or email charge for digital transactions such as ATM, card and internet banking use. A banker's cheque for school, board or HEC fees costs 0.5% of the fee or Rs 50, whichever is less. Restarting a dormant account costs nothing, and the general steps are in reactivating a dormant bank account.

Depositing cash through JazzCash or Easypaisa agents costs extra

Khushhali customers can deposit at mobile wallet agents, but it is not free. JazzCash agents cost 1% of the amount, Easypaisa agents 1.3%, and OMNI or HBL Konnect agents 0.58%, all including tax.

1. Check how much you want to deposit and which agent is nearest.
2. Prefer an OMNI or HBL Konnect agent, the cheapest at 0.58%.
3. For Rs 20,000, expect about Rs 116 at OMNI, Rs 200 at JazzCash and Rs 260 at Easypaisa, on our arithmetic.
4. For large sums, a branch deposit costs nothing extra.
5. Keep the agent's receipt until the credit shows in your account.

Loan instalments paid through 1Bill have their own fee, from Rs 20 for up to Rs 10,000 to Rs 600 above Rs 5 million. Khushhali's deposit rates are covered in Khushhali Bank profit rates.

Common questions

What are Khushhali Bank IBFT charges?

Free up to Rs 25,000 a month per account. Above that, 0.1% of the amount over Rs 25,000 or Rs 200, whichever is lower.

How much is the Khushhali debit card annual fee?

Rs 1,200 for Silver and Rs 1,500 for Gold, plus federal excise duty.

Does Khushhali charge for SMS alerts?

Rs 95 a month or Rs 950 a year for account transaction alerts. Alerts on digital transactions are free.

Is there a fee to reactivate a dormant Khushhali account?

No. The July to December 2026 schedule lists dormant account reactivation as free.

What does Khushhali charge at another bank's ATM?

Rs 35 for cash and Rs 4.67 for a balance check, both including tax, without a receipt.

How we verified this

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

We read Khushhali Microfinance Bank's schedule of charges page and its July to December 2026 Annexure B on 31 October 2026, and checked rows that came out misaligned against the PDF's raw text. Card limits come from the bank's debit card page. Taxes apply on top where the schedule marks FED. The rupee examples are our arithmetic. We did not use a Khushhali account.