Islamic CurrentAccount

Key Fact Sheet

Habib Bank Limited, Date D D M M Y Y Y Y

_____________________Branch.

IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You
may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other
banks for comparison.

Account Types & Salient Features

This information is accurate as of the date above. Services, fees and profit rates may change on monthly/biannually basis. For
updated fees/charges, you may visit our website or visit our branches.

Islamic
Islamic Asaan Islamic Basic Islamic Current Roshan Digital Islamic Current Roshan Digital
Particular Account - Banking Account Account (Non- Account - Account
Current Account - Resident) - Foreign (Resident)-
Current Current Currency Current
USD, GBP, EUR, USD, EUR,
Currency PKR PKR PKR SAR and AED and GBP USD

Minimum Balance To open 100 1,000 5,000 0 0 0

for Account To keep 0 0 0 0 0 0
Account Maintenance Fee 0 0 0 0 0 0
Is profit paid on account No No No No No No
Indicative Profit Rate (%) 0 0 0 0 0 0
Profit Payment Frequency 0 0 0 0 0 0
Provide example 0 0 0 0 0 0
Premature/Early Encashment/
Withdrawal Fee 0 0 0 0 0 0

Service Charges
IMPORTANT: This is a list of the main service charges for this account. It does not include all charges. You can find a full list at HBL Islamic
branches or our website www.hbl.com. Please note that all Bank charges are exclusive of applicable taxes.
Islamic
Services Modes Islamic Asaan Islamic Basic Roshan Digital Current Islamic Current Roshan Digital
Account - Banking Account (Non- Islamic Current Account - Account
Current Account - Resident) - Account Foreign (Resident) -
Current Current Currency Current
Inter-city 350 350 350 350 350 350
Intra-city 0 0 0 0 0 0
Cash Transaction Own ATM 0 0 0 0 0 0
withdrawal
Other Bank ATM 18.75 18.75 18.75 18.75 18.75 18.75
ADC/Digital 0 0 0 0 0 0
SMS Alerts Clearing 85 85 85 85 85 85
For other transactions 85 85 85 85 85 85
Issuance PKR 0
PayPak 0 N/A 600 N/A N/A
Annual PKR 600
Issuance PKR 0
PayPak Chip 1,000 N/A 1,000 N/A N/A
Annual PKR 1,000
Issuance PKR 0
Green Visa 1,000 N/A 1,000 N/A N/A
Annual PKR 1,000
Issuance PKR 0
Visa Chip 1,600 N/A 1,600 N/A N/A
Annual PKR 1,600
Debit Cards Mastercard Standard 1,500 1,600 N/A 1,600 N/A N/A
Mastercard Gold 2,200 2,200 N/A 2,200 N/A N/A
UnionPay Mag 1,000 1,000 N/A 1,000 N/A N/A
UnionPay Chip 1,400 1,400 N/A 1,400 N/A N/A
Visa USD N/A N/A USD 10 N/A USD 10 USD 10
Visa Chip USD N/A N/A USD 12 N/A USD 12 USD 12
Issuance PKR 0
Mastercard Titanium 2,300 N/A 2,300 N/A N/A
Annual PKR 2,300
Mastercard World 10,000 10,000 N/A 10,000 N/A N/A
PKR 15 PKR 15 Equivalent of PKR 15 PKR 15 PKR 15
Issuance
per leaf per leaf PKR 15 per leaf per leaf per leaf per leaf
Cheque Book Stop Payment PKR 450 PKR 450 USD 12 PKR 450/USD 12 USD 12 USD 12
Loose Cheque N/A N/A N/A N/A N/A N/A
 Islamic
Services Modes Islamic Asaan Islamic Basic Roshan Digital Current Islamic Current Roshan Digital
Account - Banking Account (Non- Islamic Current Account - Account
Current Account - Resident) - Account Foreign (Resident)
Current Currency -Current
Remittance Banker Cheque/
(Local) 375 375 N/A 375 N/A N/A
Pay Order

Remittance Foreign Demand 0.25% or minimum 1,000 + 0.25% or minimum 1,000 +

Draft N/A N/A N/A N/A 500 SWIFT Charges 500 SWIFT Charges
Foreign
0.25% or minimum 750 + 0.25% or minimum 750 + 0.25% or minimum 750 + 0.25% or minimum 750 +
Wire Transfer N/A N/A 500 SWIFT Charges 500 SWIFT Charges 500 SWIFT Charges 500 SWIFT Charges
Annual 0 0 0 0 0 0
Statement of
Account Half-yearly 0 0 0 0 0 0
Duplicate 0 0 0 0 0 0
ADC/Digital
Channels 0 0 0 0 0 0
Fund Transfer
Others 0 0 0 0 0 0
Internet Banking
Subscription
0 0 0 0 0 0
(onetime &
Digital Banking annual)
Mobile Banking
Subscription 0 0 0 0 0 0
(onetime &
annual)
Normal 0 0 0 0 0 0
Clearing Inter-city 400 400 400 400 400 400
Same Day 500 500 500 500 500 500
Closure of Account Customer Request 0 0 0 0 0 0
You Must Know
Requirements to open an account: To open the account you will need to satisfy Unclaimed Deposits: In terms of Section 31 of Banking Companies Ordinance, 1962
some identification requirements as per regulatory instructions and Bank’s internal all deposits which have not been operated during the period of last ten years, except
policies. These may include providing documents and information to verify your deposits in the name of a minor or a Government or a court of law, are surrendered
identity. Such information may be required on a periodic basis. Please ask us for to State Bank of Pakistan (SBP) by the relevant banks, after meeting the conditions
more details by visiting any of our branch for more details, call 111-111-425 HBL 24 as per provisions of law. The surrendered deposits can be claimed through the
hours Phone Banking or visit www.hbl.com for more information. respective banks. For further information, please contact Branch Manager/Branch
Operations Manager of your parent HBL branch.
Cheque Bounce: Dishonouring of cheques is a criminal offence under Section 489-F
of the Pakistan Penal Code of 1860 and Section 20 of the Financial Institutions Closing this Account: In order to close your account, please follow Bank laid down
(Recoveries Of Finance) Ordinance of 2001; and is subject to a criminal trial in internal procedures, for further guidance please contact the Branch Manager/Branch
Pakistan. Accordingly, you should be writing cheques with utmost prudence. Operations Manager of your parent HBL branch.
Safe Custody: Safe custody of access tools to your account like ATM cards, PINs, Please note that: 'As Per Base Account' refers to the deposit account selected in the
cheques, e-banking usernames, passwords; other personal information (such as deposit accounts' Key Fact Sheet. Particulars of the same account will be followed.
DOB, Mother’s Maiden Name etc.) is your responsibility. Bank cannot be held
How can you get assistance or make a complaint?
responsible in case of a security lapse at the customer’s end. HBL never calls you to
Habib Bank Limited,
ask for your personal information from any number including 111-111-425. HBL will
Complaint Management Unit
never ask for your sensitive information (password, debit card #, PIN, CNIC, OTP,
9th Floor, HBL Plaza,
CVV) via call, SMS or email. Kindly do not disclose details to anyone. Be extra
I.I Chundrigar Road,
vigilant and do not provide any sensitive information
Karachi, Pakistan
(PIN/password/CNIC/ATM/credit card #) over the internet, telephone, SMS email,
Helpline: 021-111-111-425
or social media.
For Inquiries: [email protected]
Record Updation: Always keep profiles/records updated wi th the Bank to avoid For Complaints: [email protected]
missing any significant communication. You can contact your relevant HBL branch Website: www.hbl.com
to update your information, or call 111-111-425 HBL 24 hours Phone Banking or visit
www.hbl.com for more details. If you are not satisfied with our response, you may contact:
If the Bank resolution is not satisfactory or there is no response provided within 45
What happens if you do not use this account for a long period? If your account days, then a complaint may be filed with the Banking Mohtasib Pakistan.
remains inoperative for 12 months, it will be treated as inactive/dormant. If your https://www.bankingmohtasib.gov.pk/complaints.php
account becomes dormant, you will be unable to execute any debit transaction till
the account is activated. To reactivate your account, you must visit parent HBL or drop a written complaint at,
branch to update records and reactivate your account. Overseas customers to email Banking Mohtasib, Pakistan
at [email protected] to get guidance for reactivation of their account(s). 5th Floor, Shaheen Complex, M.R. Kiyani Road
Karachi
Tel No.: 92-21-99217334-38
Email: [email protected]
Website: www.bankingmohtasib.gov.pk

(Portion to be used for the post-shopping stage)

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT

Customer Name Date D D M M Y Y Y Y

Product Chosen
Mandate of Account Single/Joint/Either or Survivor
Address
…
Contact No. Mobile No. Email Address

Customer Signature Signature Verified

 Islamic CurrentAccount
Key Fact Sheet

Y Y Y Y M M D D

(www.hbl.com)

0 0 0 5,000 1,000 100

0 0 0 0 0 0
0 0 0 0 0 0

0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0

0 0 0 0 0 0

www.hbl.com HBL

350 350 350 350 350 350

0 0 0 0 0 0

0 0 0 0 0 0

18.75 18.75 18.75 18.75 18.75 18.75 ATM

0 0 0 0 0 0
85 85 85 85 85 85
85 85 85 85 85 85

0 0
600
600
0
1,000 1,000
1,000
0
1,000 1,000
1,000
0
1,600 1,600 1,600
1,600 1,600 1,500
2,200 2,200 2,200
1,000 1,000 1,000
1,400 1,400 1,400
10 10 10
12 12 12
0
2,300 2,300
2,300
10,000 10,000 10,000
15 15 15 15

12 12 12/ 450 12 450 450

 375 375 375
1,000 0.25% 1,000 0.25%
500 + 500 +
750 0.25% 750 0.25% 750 0.25% 750 0.25%
500 + 500 + 500 + 500 +
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0
400 400 400 400 400 400
500 500 500 500 500 500
0 0 0 0 0 0

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Y Y Y Y M M D D