Direct Debit Facility

Financial Institutions

Documentary Letter of Credits Export LCs - Advising, Adding Confirmation, Negotiation, Discounting. Import LCs – Issuance of Import LCs. Correspondent Banks NOSTRO Accounts and Routing Detail for Remittances Bank AL Habib Ltd - Pakistan Account List Routing Detail Of Different Currencies

Privacy Policy

Introduction This Website is owned and controlled by Bank AL Habib Ltd. ("BAHL"). BAHL respects the privacy of visitors to its Website, and advises all visitors/surfers and clients to read and understand our privacy policy, and to check it periodically for any updates or revisions. When you visit this Website, BAHL may collect personal data about you, either directly (where you are asked to provide the data) or indirectly (through IP address, cookies, etc.). BAHL will, however, use such personal data only for the purposes set forth in this Privacy Statement and BAHL is committed to safeguarding such personal data. This Statement sets out the purposes of BAHL's data processing in respect of this Website. BAHL may gather and analyze information relating to particulars of users, their computing equipment/devices, usage of this Website, including domain name, the number of hits, the pages visited, previous/subsequent sites visited and length of user session.  Purposes of Processing BAHL collects and processes information about customers and visitors to its Website to conduct its business, to inform and offer products and services that may be of interest to you, as well as to compile Web statistics. The information provided by you can be used to contact you when necessary, e.g. to obtain further information or confirmation about your data, notify you about functionality changes to the Website and BAHL online services, as well as to offer other services that you may find helpful (provided you have not opted out of receiving such services). Sensitive Data/Information BAHL does not seek to collect sensitive personal information (such as information revealing personal preferences, political opinions, religious beliefs, health or other matters) through this Website. If BAHL does collect any such data, your prior consent for this will be obtained. Please note that, by providing BAHL with solicited or unsolicited sensitive personal information you consent to our using such personal information as described above.  Disclosure of Information Where required by Financial Services Regulator(s) or Law Enforcement Agencies, BAHL will share necessary customer and other information, as advised. Other than this, BAHL will never disclose information that it has collected from its users to any of its affiliates, independent contractors and business partners for any purpose, whatsoever. Also we will not transfer information collected in the process of sales of our products and services. Third Party Sites Please note that this Privacy Statement does not extend to third party websites linked to this/BAHL’s Website. Amendments BAHL reserves the right to modify this Privacy Statement, or any part thereof, at any time and from time to time. You are requested to kindly review this statement frequently for any changes. Website Analytics BAHL Website uses analytical tools, a service which transmits website traffic data to analytical tools. Google Analytics does not identify users or associate your IP address with any other data. We use these tools to understand website traffic, and usage.We use the following tools for Advertising Google AdWords  Personal Data: Cookies and Usage Data Facebook Audience Network Personal Data: Cookies, unique device identifiers for advertising (Google Advertiser ID or IDFA, for example) and Usage Data For Bahrain Customers Download the Bank AL Habib Data Privacy Notice Click here.

SME Financing

Utility Bills Payment

Bank AL Habib now offers 24/7 convenience of paying your taxes online, whenever & wherever you are. Pay your taxes against your pre-generated Payment Slip ID (PSID) through: No More Paperwork and Long Queues! Bank AL Habib ATMs AL Habib Netbanking and AL Habib Mobile Counters at the Bank AL Habib nationwide branch network Track your tax payments Get receipts of your tax payments No submission of physical challan For further assistance, please visit any of our nearest branch or contact our 24/7 Call Center at 021-111-014-014. Bank AL Habib (BAHL) offers various Utility Bills to be paid through Alternate Delivery Channels (ADC), currently ATM / Debit Card, Netbanking and AL Habib Mobile. BAHL value added Bill Payment Service is an electronic bill payment system that enables paying of utility bills, mobile phone bills and mobile phone top-ups, School, Clubs, Insurance payments 24 hours a day and 7 days a week from any BAHL ATM across Pakistan and BAHL Netbanking and AL Habib Mobile. It is simple, easy to use and above all this service is free of cost. At present customer can pay bills for the following companies. Through ATM 1. Utility Companies K-Electric, LESCO, HESCO, GEPCO, MEPCO, SEPCO,PESCO, SSGC, SNGPL, KWSB,FWASA,KE NEW CONNECTION 2. PTCL Companies PTCL Land Line, PTCL EVO Pre Paid, PTCL EVO Post Paid, PTCL Vfone, PTCL Defaulter 3. Telco Companies Warid, UFone, Telenor, Mobilink, Zong, (Prepaid and Postpaid Bill Payment),Oneload 4. Schools & Colleges Fee Karachi Public School, Habib Public School, Habib Girls School, Aitchison College, LUMS,BSS, Links Education Foundation, Green Shield Public School, Haque Academy, IBA Karachi 5. Internet Companies Wateen, Wi-Tribe, QUBEE, World Call, NAYATEL 6. Clubs Creek Club, Karachi Club, Karachi Boat Club 7. Insurance Companies ALICO , Jubilee, EFU Life Insurance,Pak Qatar FamilyTakaful Top Up,Pak Qatar GeneralTakaful,Pak Qatar FamilyTakaful Renewal 8. Engro Engro Fertilizer 9. Online Store/Digital Payments Daraz.pk, Jazz Cash Voucher 10. Asset Management Companies UBL FUND Management, Askary Investment, MCB Arif Habib AKD Investment, Al Meezan Investment, 11.  Welfare & Tax FBR, GoPb, SRB & Sindh Worker Welfare Fund 12. Donation TCF 13. Aggregator KuickPay, Paypro and Haball 14. 1Bill Member Bank Credit Card Payment,Invoice/Voucher Payment,Top Up 15. Bus/Air Line Daewoo Express 16. DHA Payments DHA IR (Islamabad & Rawalpindi) Through Bank AL Habib Netbanking 1. Utility Companies Utility Companies K-Electric, LESCO, HESCO, GEPCO, MEPCO, SEPCO,PESCO, SSGC, SNGPL, KWSB, FWASA, KE NEW CONNECTION 2. PTCL Companies PTCL Land Line, PTCL EVO Pre Paid, PTCL EVO Post Paid, PTCL Vfone, PTCL Defaulter 3. Telco Companies Warid, UFone, Telenor, Mobilink, Zong, (Prepaid and Postpaid Bill Payment) 4. Schools & Colleges Fee Karachi Public School, Habib Public School, Habib Girls School, Aitchison College, LUMS, BSS, Links Education Foundation, Green Shield Public School, Haque Academy, IBA Karachi 5. Internet Companies Wateen, Wi-Tribe, QUBEE, World Call, NAYATEL, 1Load, 6. Clubs Creek Club, Karachi Club, Karachi Boat Club, Dreamworld 7. Insurance Companies ALICO , Jubilee, EFU Life Insurance,Pak Qatar FamilyTakaful Top Up,Pak Qatar GeneralTakaful,Pak Qatar FamilyTakaful Renewal 9. Fertilizers Engro Fertilizer 10. Franchise Ufone 11. Welfare & Tax SECP,FBR, GoPb, SRB & Sindh Worker Welfare Fund 12. Asset Management Companies UBL FUND Management, Askary Investment, MCB Arif Habib AKD Investment, Al Meezan Investment, 13. Online Store/Digital Payments Jazz Cash Voucher 14. Aggregator Kuickpay, ConnectPay,PAYPRO 15. 1Bill Member Bank Credit Card Payment,Invoice/Voucher Payment,Top Up 16. Travelling Daewoo Express 17. Water & Sewerage DHA IR,FAWASA,KWSB 18. Shipping Companies DP World   For any issue or complaint, please contact: Your relationship branch where your account is maintained BAHL 24X7 Call Center 021-111-014-014 info@bankalhabib.com

Apni Car

Fair Treatment of Customers (FTC)

Bank AL Habib is committed to treat customers fairly and our Fair Treatment of Customers (FTC) policy is driven by following principles: Customers are dealt with utmost fairness and courtesy Senior Citizens and Differently Abled persons are offered priority services at all our branches The Products and Services are designed to meet banking needs of our customer base Complete and correct Products and Services information is provided to enable existing and potential customers to make informed choices Products and Services are fairly and competitively priced as per the market rates Grievances of customers are resolved through a transparent and efficient complaint resolution mechanism in a timely manner Customer feedback is welcomed to further improve our services We Value Your Feedback Click Here Lodge Complaint × You may also submit your suggestion/complaint at the website now.Are you sure want to proceed further? Proceed #main-slider .carousel-inner .sliderImg{ background-position:center 25% !important; }

SME Banking

Offeredfor SMEs SME Products and Services SBP Refinance Schemes OtherSchemes SME Products & Services For us, supporting Small & Medium Enterprises is of great importance as they play a vital role in employment generation and poverty reduction. They are a chief component of economic growth and resource mobilisation activities in the industrial sector in Pakistan. SMEs constitute 90% of all enterprises in Pakistan, employing 80% of non-agricultural labour force with an approximate share of 40% in the annual GDP. Bank AL Habib SME Banking provides proactive, quick and quality services by simplifying procedures and reducing turnaround time for lending to the SMEs, so you can continue your activities on a fast -track. A team of qualified staff in all our branches is at your service to extend their support to you regarding all procedures. SME Definition Classification Annual Sales Turnover Limit / Exposure SE Up to PKR 150 Million PKR 25 Mio Start-up SE A small enterprise up to 5 years old will be considered as start-up SE ME Above PKR 150 Million to PKR 800 Million PKR 200 Mio Start-up ME A Medium Enterprise up to 5 years old will be considered as start-up ME SBP Policy - Promotion of SME Finance Download PDF *Note: Above mentioned information is subject to change as per SBP directive. For further information, please visitnearest BAHL branch. Downloads Prudential Regulations of SBP for SMEs SME Financing and Services Working Capital Financing Short Term Financing Long Term Financing Commercial Vehicle Financing AL Habib Zariya / Receivable Financing Export/Import Auto Lease Trade Finance Guarantees Refinance Facility for Modernization of SME SBP introduced the scheme for SMEs to modernize and also to address power shortages. View Details Refinance & Credit Guarantee Scheme for Women Entrepreneur SBP introduced the scheme for the Women Entrepreneurs. View Details Small Enterprise & Credit Guarantee Scheme for Special Person SBP introduced the scheme for Special persons falling under small enterprise (SE) category. View Details Refinance Scheme for Working Capital Financing of Small Enterprise & Low End Medium Enterprise SBP introduced the scheme for working capital financing of Small Enterprise & Low End Medium Enterprise. View Details Long Term Financing Facility (LTFF) for Plant and Machinery SBP introduced the scheme for Exporters (including SMEs) to avail financing under the facility through Participating Financial Institutions (PFIs) for new imported and locally manufactured plant and machinery. The facility will be available to the export oriented projects with at least 50% of their sales constituting exports if their annual exports are equivalent to US$ 5 million, which ever is lower. View Details Export Finance Scheme SBP introduced Export Finance Scheme (EFS) which is a concessional short term financing facility provided to exporters through banks for exports of manufacturing goods and services especially value added products. View Details Prime Minister's Youth Business and Agriculture Loan Scheme (PMYB&ALS) Government of Pakistan has approved revisions in the key features of PMKJ-YES with a view to make it more purposeful and beneficial for small businesses and agriculture. View Details Related Links Agriculture Banking View Details Cash Management Services View Details Trade Services View Details Agriculture Banking View Details Cash Management Services View Details Trade Services View Details Agriculture Banking View Details Cash Management Services View Details Trade Services View Details

Customer Services

We at Bank AL Habib continuously strive for excellence and make your experience a remarkable one with us through serving you at all touch points. Customer Satisfaction Survey Your participation in this survey is highly appreciated, as it will enable us to gain a deeper understanding of your experiences, needs and expectations. Your input is invaluable to us as we strive for excellence in customer satisfaction. We encourage you to take part in the survey and share your thoughts. Online Customer Survey Customer Awareness Service StandardsDownload PDF Know Your Rights and ResponsibilityDownload PDF Guidelines of Business Conduct for BanksDownload PDF Customer Awareness Brochure Click here to view details You received a suspicious email If you inadvertently give out your personal information, call us at 021-111-014-014. Your debit card was lost or stolen If your debit card was lost or stolen, call us at 021-111-014-014, where you can also temporarily block your debit card. Downloads Guidelines for Clearing Operations Centralized Cleari

AL Habib SMS Banking