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

NBP publishes its schedule as a scanned booklet in English and Urdu, so the text cannot be searched. We read the pages one by one as images. Below are the fees most customers pay: ATM, transfers, debit cards, banker's cheques, statements, stop payment and lockers. All charges are before federal excise duty or provincial sales tax, the schedule says, unless it states otherwise.

NBP ATM charges: Rs 35 at other banks, free at NBP

Cash from an NBP ATM is free. At another bank's ATM on the 1-Link or MNET network, NBP charges Rs 35 a withdrawal. A balance check is free at NBP ATMs and Rs 4.67 at other 1-Link ATMs. A mini statement at an NBP ATM costs Rs 5. The fee for other banks' ATMs is set across the 1-Link network, explained in the 1-Link ATM fee rise.

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

Sending money to another bank through the NBP app or internet banking is free for the first Rs 25,000 a month. Above that, NBP charges 0.1% of the amount or Rs 200, whichever is lower. Transfers to other NBP accounts, bill payments, mobile top ups and balance checks in the app are free. Fetching the receiver's account title before an IBFT is free.

So a Rs 100,000 transfer in a month where you have already sent Rs 25,000 costs Rs 100, which is 0.1%. A Rs 300,000 transfer costs Rs 200, because 0.1% would be Rs 300 and the cap is lower. Sending cash to someone's CNIC is charged by slab, from Rs 44 up to Rs 684, as set out in NBP Pay to CNIC charges. Setting up the app is covered in NBP Digital app registration.

NBP debit card fees: Rs 2,000 to Rs 5,000 a year

The schedule lists five debit cards. The yearly fee is charged on top of a one-time issuance fee. A lost or stolen card costs more to replace than the issuance fee. NBP says it will not charge a replacement fee for cards it blocks because of skimming.

NBP PayPak Edge Mastercard

This is NBP's most expensive card at Rs 5,000 a year. NBP's own banner for it shows a daily limit of Rs 1,000,000 for shopping and online payments and Rs 500,000 for ATM cash. Card fees at other banks are in the Bank AL Habib schedule and the Meezan Bank schedule.

Used abroad, an NBP UnionPay, Mastercard or PayPak UPI card costs Rs 500 or 4% of the amount for ATM cash, whichever is higher. Card payments abroad cost Rs 350 or 4%, whichever is higher, and online payments in foreign currency cost 4%. A balance check at a foreign ATM costs Rs 300. These are before the federal excise duty. More on this is in ATM withdrawals abroad.

Banker's cheque Rs 550, stop payment Rs 500, statement Rs 35

NBP has stopped issuing pay orders and demand drafts and uses the banker's cheque instead. Closing an account is free.

The Rs 50 monthly charge does not apply to NBP Asaan current accounts, and the first 25 leaf cheque book is free on Asaan accounts. Customers who keep an average of Rs 2 million in a current account or Rs 5 million in a savings account get banker's cheques, stop payment, returned cheques and duplicate statements older than a year free, the schedule says.

SMS alerts free, lockers Rs 5,000 to Rs 12,500 a year

NBP lists SMS alerts for banking transactions as free. That puts it among the cheapest banks for alerts, compared in bank SMS alert charges. Lockers are charged a yearly rent plus a refundable key deposit.

1. Small locker, up to 0.41 cubic feet: Rs 5,000 a year plus FED, key deposit Rs 4,000.
2. Medium, 0.42 to 1.35 cubic feet: Rs 7,500 a year plus FED, key deposit Rs 5,000.
3. Large, 1.36 to 2.00 cubic feet: Rs 10,000 a year plus FED, key deposit Rs 6,000.
4. Extra large, 2.01 to 3.00 cubic feet: Rs 12,500 a year, key deposit Rs 8,000.
5. Breaking a locker: Rs 6,000 or the actual cost, whichever is higher.

Breaking a term deposit early costs a penalty of 0.50% of the amount if a year or less is left, or 1% if more than a year is left. NBP's deposit rates are in NBP profit rates.

Common questions

How much does NBP charge for IBFT in 2026?

Nothing for the first Rs 25,000 a month through the app or internet banking. Above that, 0.1% of the amount or Rs 200, whichever is lower.

What is the NBP ATM charge at other banks?

Rs 35 for each cash withdrawal at another bank's 1-Link ATM. NBP ATMs are free.

Does NBP charge for SMS alerts?

No. The July to December 2026 schedule lists SMS alerts for banking transactions as free.

What is the annual fee of an NBP PayPak debit card?

Rs 2,000 a year for PayPak Classic, plus Rs 760 to issue it. The PayPak UnionPay co-badge card is Rs 2,700 a year.

Can NBP still make a pay order?

No. The schedule lists pay order issuance as discontinued. NBP issues a banker's cheque instead, for Rs 550, to account holders only.

How we verified this

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

Last checked 10 November 2026. We read the National Bank of Pakistan Schedule of Bank Charges, July to December 2026, a scanned 35 page booklet, page by page as images, on the English side of each spread. The card image and the PayPak Edge limits are from the NBP website. The IBFT examples are our own arithmetic.