Samba Bank Schedule of Charges July to December 2026: IBFT, ATM, Debit Card and SMS Fees in Pakistan (Full List)
Samba Bank schedule of charges July to December 2026: IBFT free to Rs 25,000 a month, Rs 35 at other ATMs, Rs 200 SMS, PayPak card Rs 2,100. See every fee here.
Samba Bank's schedule of charges for July to December 2026 makes IBFT free up to Rs 25,000 a month, then charges 0.1% or Rs 200, whichever is lower. Cash at another bank's ATM costs Rs 35, SMS alerts Rs 200 a month, and the PayPak debit card Rs 2,100 a year. A rupee current account below Rs 25,000 average balance pays Rs 50 a month.
We read Samba Bank's full English schedule for July to December 2026 on samba.com.pk on 31 October 2026. These are the fees an ordinary customer meets: transfers, ATMs, debit cards, SMS alerts, the minimum balance charge, cheques and statements, with the ways to avoid each.
Samba IBFT is free up to Rs 25,000 a month
Transfers to other banks through Samba Online, ATMs and the mobile app are free until you send Rs 25,000 in a month. Above that, each transfer costs 0.1% of the amount or Rs 200, whichever is lower, government levies included. Raast transfers are free.
| Transfer | Samba charge, July to December 2026 |
|---|---|
| IBFT, monthly total up to Rs 25,000 | Free |
| IBFT above Rs 25,000 in the month | 0.1% or Rs 200, whichever is lower |
| Raast transfer and beneficiary registration | Free |
| FBR and customs tax payments, any channel | Free |
| Cash withdrawal at a Samba branch in another city, up to Rs 250,000 | Rs 250 |
| Same day clearing of a cheque | Rs 550 |
A Rs 100,000 transfer after the free limit costs Rs 100, on our arithmetic. Branch cash withdrawals from another city are free within the same city and between Rawalpindi and Islamabad. Most banks follow the same Rs 25,000 rule, as compared in IBFT charges across banks.
Samba debit cards cost Rs 2,100 to Rs 4,000 a year
The PayPak Classic card costs Rs 2,100 a year, the Blue Debit Mastercard Rs 3,000 and the Gold Debit Mastercard Rs 4,000. A replacement costs the same as a year's fee, but is free if the card had to be reissued because of fraud or the bank's own error.
| Card or ATM use | Samba charge |
|---|---|
| PayPak Classic, a year | Rs 2,100 |
| Blue Debit Mastercard, a year | Rs 3,000 |
| Gold Debit Mastercard, a year | Rs 4,000 |
| Cash at a Samba ATM | Free |
| Cash at another bank's ATM | Rs 35 |
| Balance inquiry at another bank's ATM | Rs 4.67, plus Rs 4.67 for a receipt |
| Cash at an ATM abroad | Rs 400 or 4%, whichever is higher |
| Shopping abroad or on foreign websites | 4% of the amount |
PayPak is the cheapest card and is enough for use inside Pakistan. If you pay for subscriptions or shop on foreign websites, you need a Mastercard, and the 4% fee applies to each purchase. Samba also caps yearly foreign spending at USD 25,000 on Blue cards and USD 30,000 on Gold cards, counted across all your banks. The national card limit is explained in the USD 30,000 yearly card limit.
Samba SMS alerts cost Rs 200 a month
SMS alerts cost Rs 200 a month per account. Alerts for digital transactions such as ATM, card and internet banking are free. Individual branch customers with a total relationship balance of Rs 1 million or more pay nothing for SMS alerts.
That is Rs 2,400 a year on our arithmetic, so it is worth checking. Email statements and email remittance alerts are free at any frequency. Bank SMS fees in general are covered under bank SMS charges.
A Samba current account needs Rs 25,000 or it pays Rs 50 a month
Rupee current accounts must keep a monthly average of Rs 25,000, or pay Rs 50 a month including tax. Rupee savings accounts, Asaan, Basic Banking, Payroll, Ladies Banking, Freelancer, Teenager and remittance accounts have no minimum balance.
Students, Zakat recipients, government salary and pension accounts, dormant accounts and Basic Banking and Asaan accounts are exempt from the minimum balance charge. The bank also says it may close an account that keeps missing the required balance, and one that sits at zero for six months in a row.
- Check last month's statement for a Rs 50 minimum balance charge or a Rs 200 SMS charge.
- If your current account rarely holds Rs 25,000, ask to move to a savings or Asaan account, which have no minimum.
- Switch to email statements and app alerts, which are free.
- Ask the branch to stop SMS alerts if you do not need them.
- Confirm the charges stop on the next statement.
Cheques, statements and closing a Samba account
A cheque book costs Rs 25 a leaf plus taxes, and Rs 125 to post it. Stopping a cheque costs Rs 500, a series Rs 1,000. A cheque returned from your account costs Rs 500. Closing an account is free.
| Branch service | Samba charge |
|---|---|
| Cheque book | Rs 25 a leaf, plus taxes |
| Cheque book dispatch | Rs 125 a book, plus postage |
| Stop payment, one cheque | Rs 500 |
| Stop payment, a series | Rs 1,000 |
| Your cheque returned unpaid | Rs 500 |
| Duplicate statement | Rs 35 |
| Balance or account activity certificate | Rs 350, free for students applying abroad |
| Copy of a paid cheque under 6 months old | Rs 500 |
| Account closing | Nil |
Payroll account holders get their first 10 leaf cheque book free. The certificate fee waiver for students matters to anyone sending a bank statement with a foreign university or visa application. Samba's deposit rates are set out in Samba Bank profit rates, and the toll-free helpline is 0800 72622.
Common questions
What are Samba Bank IBFT charges?
Free up to Rs 25,000 a month. Above that, 0.1% or Rs 200, whichever is lower, including government levies.
What is the Samba debit card annual fee?
Rs 2,100 for PayPak Classic, Rs 3,000 for the Blue Mastercard and Rs 4,000 for the Gold Mastercard.
How much are Samba SMS alert charges?
Rs 200 a month per account. Digital transaction alerts are free, and customers with Rs 1 million or more in total balances pay nothing.
What is the Samba minimum balance charge?
Rs 50 a month on a rupee current account below Rs 25,000 average. Savings accounts have no minimum.
Does Samba charge for closing an account?
No. The July to December 2026 schedule lists account closing as nil.
How we verified this
What we checked, where we read it, and what we could not confirm.
We read Samba Bank's notices page and its schedule of bank charges for July to December 2026 on 31 October 2026, checking jumbled rows against the PDF's raw text. Taxes apply on top where the schedule says so. Rupee examples are our arithmetic. We did not hold or test a Samba account.
About the author
Tax, Bills and Technology Writer
Ali Akhtar is a young and curious voice here at Pakistan Era. He is currently pursuing his A-Levels and has a growing interest in Pakistan’s changing industrial landscape and educational trends. Ali likes to write in a way that helps him explain and explore the world around him. His writing reflects the perspective of the new generation navigating the evolving trends of Pakistan where technology, youth innovation, and shifting opportunities are reshaping the country’s future.
