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AL Habib
digitalaccount

AL Habib Digital Account

Onboarding & Call Center Manual
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OVERVIEW
AL HABIB DIGITAL ACCOUNT
AL Habib Digital Account Opening facility enables our potential customers to apply for opening a bank
account with Bank AL Habib Limited digitally.
In this phase, customers can open Asaan Digital Account, Remit Account and Digital Account only.
Employed Individuals
Who can Unemployed Individuals
Apply? Housewife
Landlords
Self - Employed Individuals
Freelancers
Individuals sending/receiving remittance
Students
Retired Individuals
Guardian / Minors
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What are the Original scanned CNIC/SNIC – NADRA token incase of expired CNIC/SNIC
basic documents Active Email ID
required to get Mobile number registered against CNIC
started? Proof of income and/funds scanned digital copy
Webcam to take a live photo
Photo of signature on a white paper
ID Documents of Fund Provider in case of Student and Housewife
Proof /Source of Income/ Funds
Self Declaration (Asaan Digital Account / Asaan Digital Remittance Account/Freelance Digital Account

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What are the steps involved in

signing up online for an account Choose Account Type
(Individual or Minor Account)
Select Banking Mode & Account
(Conventional or Islamic)
through AL Habib Digital Account 1 2 3 4
Opening facility? Visit the Online Account Enter
Opening portal page Contact Information
1 Visit the Online Account Opening portal page
2 Choose Account Type Enter Personal Details
(Individual or Minor Account)
3 Enter Contact Information 5 6 7

4 Select Banking Mode & Account Select Preferred Branch Accept Terms & Conditions
(Conventional or Islamic)
5 Select Preferred Branch
Upload Relevant
6 Enter Personal Details Documents & Signature

7 Accept Terms & Conditions 8 9

8 Upload Relevant Documents & Signature

Capture Live Image
9 Capture Live Image

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Accounts Available Through

AL Habib Digital Account Opening Facility

AL Habib Asaan AL Habib AL Habib

Digital Account Remit Account Digital Account

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ASAAN DIGITAL ACCOUNT

The Asaan Digital Account (ADA) will provide banking opportunities to the unbanked population. The key target audience is
Pakistani resident individuals who do not have a bank account. Only a CNIC and basic information is required to open this
account and start banking with a host of value-added services.
KEY PRODUCT FEATURES
• Free PayPak Debit Card (Default)
Bank AL Habib PayPak card is free default debit card being offered under this account;
however customers may opt for a Visa and UnionPay card. Terms & Conditions apply
• Free AL Habib Netbanking & Mobile Banking
• Free Life Insurance (Term and Conditions applied/ to be checked)
• Free E-Statements
• Free Regular SMS Alerts
• PKR Account only(as per regulator)
• Maximum Monthly Credit Balance Limit of PKR 1,000,000 (as per regulator)
• Maximum Monthly Debit Limit of PKR 1,000,000 (as per regulator)
• No Service Charges at Opening or Closure of ADA.
• No Initial Deposit or Minimum Balance Requirement.
• Statement of Account Hardcopy on Customer Request.
• Cheque Book Facility
• Financing against 90% Deposits.
(Subject to management approval / Bank`s Terms & Conditions) 5
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PARAMETERS
• Account Currency: PKR only.
• Account Nature: Individuals/ Minor only.
• Account Type: Conventional and Islamic Banking.
• Account Variant: Current or Savings.
• Eligibility: Resident Individuals Pakistani only.

• Fee & Charges: To be levied as per Bank`s existing Schedule of Charges.

• Profit Payout: Biannual.

• Profit Rate: As per Bank`s Rate Sheet.

• Cheque Book Issuance: Only upon customer request.

• One CNIC – Holder can open only one ADA Account and cannot simultaneously maintain any other regular account.
• Debit Card Policy: All Debit Cards and their variants will be offered (PayPak, UPI and VISA) as per Bank’s Schedule of Charges/
regulations – Customer may pay for any charged card if they wish to.

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Selected • Source of Income/ Funds and/or Self-Declaration Required

• Live Photo of Customer Required.
Documentation
• Any of the under mentioned identity documents (as applicable) may be
Required obtained for opening of Asaan Account:
(As per regulator)
Computerized National Identity Card (CNIC)
Smart National Identity Card (SNIC)

• For Minors (Juvenile Card, Form B, CRC and Live Photo are required)
• CRS & FATCA
• Any other necessary documentation deemed necessary

Account Opening Process

To be opened entirely digitally through the AL Habib Digital Account portal on Bank AL Habib website.

Standard Operating Procedures

All SPs / Guidelines will be followed as per instructions of SBP issued from time to time.
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DIGITAL ACCOUNT
The Digital Account is the flagship offering in the AL Habib Digital Account Portfolio, providing a plethora of options to accountholders
for a seamless, end-to-end banking experience.

KEY PRODUCT FEATURES

• Free Regular SMS Alert Facility
• Free E-Statement Facility by default, however physical SOA on request.
• Free Banker`s Cheque Facility
• Free Life Insurance (Term and condition applied/ to be checked).
• PayPak Debit Card (Default).
Bank AL Habib PayPak card is free default debit card being offered under this account, however you may opt for a Visa and UnionPay card. Terms & Conditions apply
• Offered in PKR, GBP, Euro and USD (as per regulator)
• Available in Current and Savings Category
• No Service Charges at Opening or Closure of Digital Account.
• No Minimum Balance Requirement
• Personalized Cheque Book Facility
• Financing against 90% Deposits and Opening of Term Deposit Facility (Subject to management approval / Bank`s Terms & Conditions)

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PARAMETERS
• Account Currency: PKR, GBP, USD and Euro
• Account Nature: Individuals/ Minor only
• Account Type: Conventional and Islamic Banking
• Account Variant: Current or Savings
• Eligibility: Resident Individuals Pakistani only

• Fee & Charges: To be levied as per Bank`s existing Schedule of Charges

• Profit Payout: Monthly (Average Balance)

• Profit Rate: As per Bank`s Rate Sheet

• Cheque Book Issuance: Only upon customer request.
• Value added services including Internet Banking, Mobile Banking etc. to be offered as per request from customer.
• Debit Card Policy: All Debit Cards and their variants will be offered (PayPak, UPI and VISA) as per Bank’s Schedule of Charges/
regulations – Customer may pay for any charged card if they wish to.
Note : Kindly refer Schedule of Charges (SOC) for exemptions of service charges.

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Selected •
•
Source of Income/ Funds and Self-Declaration Required
Live Photo of Customer Required
Documentation • Any of the under mentioned identity documents (as applicable)
Required may be obtained for opening of Digital Account:

(As per regulator) Computerized National Identity Card (CNIC)

Smart National Identity Card (SNIC)

• For Minor (Juvenile Card, Form B, CRC and Live Photo

Required).
• CRS & FATCA
• Any other necessary documentation deemed necessary

Account Opening Process

To be opened entirely digitally through the AL Habib Digital Account portal on
Bank AL Habib website.

Standard Operating Procedures

All SoPs / Guidelines will be followed as per instructions of SBP issued from
time to time.
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SCREEN 1 :
ON–BOARDING PROCESS
This is the first screen of the account opening FORM

New Customer OR Resume Application OR Account Maintenance

Start application process 6WDUWIURPZKHUH\RXOHIWRǖ Update your record

Start application process 6WDUWIURPZKHUH\RXOHIWRǖ Update/Edit your record

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WHICH OPTION SHOULD THE CUSTOMER SELECT:

OPTION 1 : NEW CUSTOMER

OPTION 1 – NEW CUSTOMER

New Customer For new customers who are starting their

sign-up process for AL Habib Digital
Start application process
Account.
Start application process

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OPTION 2 : RETURNING CUSTOMER

OPTION 2 – Returning Customer

Resume Application For customers who started the application process

but did not finish filling the form – they can select
6WDUWIURPZKHUH\RXOHIWRǖ
this option to start from where they left off.
6WDUWIURPZKHUH\RXOHIWRǖ

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OPTION 3 : EXISTING CUSTOMER

OPTION 3 – Existing Customer

For existing customers who have an AL Habib
Account Maintenance Digital Account but want to update their
Update your record
information.
This option allows them to make changes to
their mobile/email/phone number/address etc.
Update/Edit your record

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APPLICATION PROCESS FOR NEW CUSTOMERS

Application Process for New Customer

New Customers Start application process

Start application process

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SCREEN 2
If you wish to open an account Digitally, follow the given steps:

Choose Account Type

Individual Account OR Minor Account

Apply Now Apply Now

For Individuals above For individuals below 18

18 years of age years of age

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Upon selecting
Individual Account
This is how customers will proceed with the digital onboarding process

Individual Account

Apply Now

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SCREEN 3
Contact Information

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FIELD REQUIREMENT
1 Select Salutation

2 Full name as per ID document

3 Identification Document type

4 CNIC/SNIC Issuance Date

5 Upload Original Scanned copy of your CNIC/SNIC (front)

Supported formats: JPG, PNG | File size Max 2MB)

6 Upload Original Scanned copy of your CNIC/SNIC (back)

Supported formats: JPG, PNG | File size Max 2MB)

7 Select mobile network that you are currently using (eg: Jazz, Ufone, Telenor, Zong, etc

8 Enter your Mobile number that is registered against your CNIC/SNIC

9 Enter your active and valid Email ID

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SCREEN 4
Verification
The customer will need to enter a 6-digit
OTAC (One Time Authentication Code) that
will be shared with the customers on their
registered mobile number and email address.

In case the OTP is not received in time the

customer can click on the “Resend OTP”
option written in green

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SCREEN 4
Customers will choose their preferred mode of banking

Choose Banking Mode

Conventional Banking Islamic Banking

:HKDYHDKRVWRISURGXFWVWDLORUHGWR\RXUǓQDQFLDOQHHGVVR\RXFDQ %DQN$/+DELERǖHUVDIXOOUDQJHRI6KDULDK&RPSOLDQW,VODPLF%DQNLQJ
bank with us with convenience. products and services through its dedicated branches in major cities
across Pakistan

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Then the customer will:

1 Choose the type of Account they wish to open, then;

2 Select the Currency Preference in which they want to open their account:
EG: PKR/USD/EUR

1 Current Saving
Meet your regular banking needs with freedom. Accounts that manage your savings with convenience

Select Currency

2 Rs PKR $ USD £ GBP € EUR

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ACCOUNTS AVAILABLE IN PKR ACCOUNTS AVAILABLE IN FCY

Asaan Digital Account Digital Account

Remit Account

Digital Account

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Based on the currency selected

the customer will be given options to choose an account from the following:
PKR USD
Select Currency

Rs PKR $ USD £ GBP € EUR

Select Account

Digital Account

Product Features
Free SMS Alert Facility
Free PayPak Debit Card
Free E-Statement Facility
Free Banker’s Cheque Facility
Free Life Insurance
No Minimum Balance Requirement

Select

GBP Euro
Select Currency Select Currency

Rs PKR $ USD £ GBP € EUR Rs PKR $ USD £ GBP € EUR

Select Account Select Account

Digital Account Digital Account

Product Features Product Features

Free SMS Alert Facility Free SMS Alert Facility
Free PayPak Debit Card Free PayPak Debit Card
Free E-Statement Facility Free E-Statement Facility
Free Banker’s Cheque Facility Free Banker’s Cheque Facility
Free Life Insurance Free Life Insurance
No Minimum Balance Requirement No Minimum Balance Requirement

Select Select

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In the next step

the customer will be given options to choose a Debit Card preference
Select your Preferences
Debit Card

4375 8534 5678 9010 4375 8434 5678 9010 6233 5900 0000 0000
MM/YY MM/YY
VALID
THRU 12/24 VALID
THRU 12/24 6233 MM/YY
12/24
CARD HOLDER NAME CARD HOLDER NAME CARD HOLDER NAME

PayPak Visa Gold Visa Silver Union Pay International

ATM Cash withdrawal up to PKR 50,000 ATM Cash withdrawal up to PKR 100,000 ATM Cash withdrawal up to PKR 75,000 ATM Cash withdrawal up to PKR 60,000
Point at Sale Transactions and Fund Transfer Point at Sale Transactions up to PKR 200,000 Point at Sale Transactions up to PKR 150,000 Point at Sale Transactions up to PKR 125,000
up to PKR 100,000 each each each each
Available for PKR Currency Account Holders Fund Transfers up to PKR 250,000 each Fund Transfers up to PKR 200,000 each Fund Transfers up to PKR 150,000 each
only Available for PKR Currency Account Holders Available for PKR Currency Account Holders Available for PKR Currency Account Holders
Free Debit Card for Account Holders (TnCs only only only
Apply) Annual Fee for Primary Card PKR 1500 Annual Fee for Primary Card PKR 1200 Annual Fee for Primary Card PKR 1000

Selected Select Select Select

Name on your card

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Customers will then tick mark SMS Alerts facility if they wish to obtain this service.
Free/Regular SMS is provided by default upon check marking.
Value added SMS alerts option will need to be subscribed to

SMS Alerts

Free

Free Value Added Service

Alerts for all transactions amounting 25,000 PKR Alerts for all transactions, with an added monthly fee

Back Save as Draft Next

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SCREEN 5
The Customer will have two options for branch selection:
1 Select City from the dropdown box and select their choice of branch

1 Select your preferred Branch

1
Select Branch Manually Locate Nearest Branch

City ⚘ Branch 䉸ä‫ٳ‬ɟnj

Select City Select Branch

Back Next

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2 OR click on locate nearest branch to search branches nearby which they can then select as their relationship branch

Select your preferred Branch 2

Select Branch Manually Locate Nearest Branch

Branch Name Zaibunnisa Street

Branch Code 1298

Select Branch

You have selected Branch: Zaibunnisa Street - Branch Code: 1298

Back Next

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SCREEN 6
Personal Details : Basic Information
1 Date of Birth* 2 Country of Birth 3 Nationalty 4 CNIC/SNIC Expiry Date 5 Gender 6 Dual Nationality

Personal Details
Basic Information

ǔǎ ǖ ǔ ǎƷơǔƹǖư ǔ ǎ ǖ ǔ
1 ǎ Ǎ َî‫ٱ‬
Date of Birth* 䢫ä‫ٶ‬ӌ Ĩ ˄
4 CNIC / SNIC Expiry Date Š َî‫ٱ‬
Ĩ ˄ㅎĨ ‫ٳ‬Ĩ ǎɟþ⃊ì ώ
Ĩ ♶

Country of Birth 䢫ä‫ٶ‬ӌǎ Ǎ 䥞

Ĩ ᜯ Gender ǎ 㽸
‫⸗ة‬ Ĩ ᢏ
Ĩ
2 Select Country of Birth 5 Select Gender

ǖ ǎ
Nationalty ‫ⴑڟ‬
3 PAKISTAN 6 Dual Nationality Yes No

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FIELD REQUIREMENT
1 Date of Birth

2 Country of Birth

3 Nationality

4 CNIC / SNIC Expiry ( DAY – MONTH – YEAR)

5 Gender

6 Dual Nationality (Yes/No)

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Additional Information
1 Relatioship with next of Kin 2 Next of Kin Name 3 Your Marital Status 4 Mother’s Maiden Name

5 Landline Number 6 Father/Husband Name 6 Qualification

Additional Information
Relatioship with next of Kin ቄĨᏼ⁩Ĩ㈉ îĨ äìĨ╻î ǔ
1 Select Relationship with next of Kin
2 Next of Kin Name ࡘ㈉
Ĩ ûĨ ‫˄ٱ‬Ĩ㈉ îĨ äìĨ╻î

ǖ Ǖ
ǎ ǎ ᧘
Your Marital Status Έ Ĩ äþìïä ㅎ
Ĩ Đ
Ĩ ß ǔ
3 Select Your Marital Status
4 Mother’s Maiden Name û‫ ˄ٱ‬䕉Ĩ ä䯀Ὗ ⵇĨ ė
Ĩ 㩕

Ǘ ǔ ǔ Ǐ
5 Ĩ 㑔‫ٶ‬ӗǎ
Landline Number 䓖 䣩 6 Father/Husband Name Ĩ nj˄
û‫ⵇ ˄ٱ‬Ĩ ‫ٳ‬ɝ⚏Đ‫ٱ‬

4XDOLǓFDWLRQ
7 6HOHFW4XDOLǓFDWLRQ

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FIELD REQUIREMENT
Select Relationship with next of Kin (The next of kin is the person's spouse, parents, children or closest blood relative
1 who the person may leave responsible of funds/documents in case the person passes away. )

2 Write the Full name of your Next of Kin

3 Select your current marital status

4 Write your mother’s maiden name ( The name prior to when she got married)

5 Write in your landline number ( residence phone number)

6 Write your father/husbands name as listed on the CNIC/SNIC

7 Select Qualification

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This screen will only be visible to those customers who choose “Digital Account” as their account for
on –boarding
1 Are You a PEP ? 2 Purpose of Account 3 Deposit Per Month 4 Withdrawal Per Month 4 Disclaimer

Know Your Customer information

1 Are Your a PEP ? Yes No

ǔ
ĨǗ
㹽 ⵇĨ ҍáⵇä
2 4
Purpose of Account Withdrawal Per Month

Reciepts and Payments 10000000

Deposit Per Month

3 10000000

Disclaimer

5 You may be contacted for Video KYC if required by our representative. If you wish to select a particular time for your video KYC, you may do so
by clicking here.

Back Save as Draft Next

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FIELD REQUIREMENT
Are you a PEP? Yes / No - Politically exposed persons or PEPs” are individuals who are entrusted with prominent
1
public functions either domestically or by a foreign country, or in an international organization, for example Heads of
State or of government, senior politicians, senior government, judicial or military officials, senior executives of state-
owned, corporations/departments/autonomous bodies. This does not intend to cover middle ranking or more junior
individuals in the foregoing categories.

2 Select purpose of account: Receipts and Payments / Savings and Investments/ Personal Saving

3 Withdrawal per month ( approximately)

4 Deposit per month (approximately)

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This screen will be visible to all customers

Know Your Customer (KYC)
1 Select Purpose of Account 2 Withdrawal Per Month 3 Deposit Per Month

Ǘ ǔ
Purpose of Account 㹽 ⵇĨ ҍáⵇä
Ĩ
1 Select Purpose of Account 3 Withdrawal Per Month

2 Deposit Per Month

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The following will be answered by all customers who have chosen any type of Asaan Account
(also known as Asaan Digital)
1 Select Purpose of Account: 2 Withdrawal Per Month 3 Deposit Per Month
Receipts and Payments/Savings and Investments/
Personal Saving

Know Your Customer Information

Ǘ ǔ
Purpose of Account 㹽 ⵇĨ ҍáⵇä
Ĩ
1 Select Purpose of Account 2 Withdrawal Per Month

3 Deposit Per Month

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SCREEN 7
Fill Occupation Details: Select ONE of the following options that apply to you
1 Choose your Source of Funds 2 Incase you are a student/housewife you 3 Enter your Office phone number if applicable
have to clarify your source of income

1 Choose your Employment type

Self Employed Employment Unemployed Student

House Wife Retired Person Landlord

2 3
Source of Fund
7HO2ǖ &XVWRPHU
Please Select

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Based on the OCCUPATION STATUS –

A list of Required Documents will appear below

Document Required

3URRIRI%XVLQHVV:RUN  $Q\RQHRIWKHIROORZLQJGRFXPHQWVVKRXOGVXFH

%XVLQHVV3URSULHWRU/HWWHU+HDGRUDQ\RWKHU3URRIRI6HOI(PSOR\PHQW HJ/DZ\HU'RFWRU&RQVXOWDQW)UHHODQFHUV*URFHU\6WRUH0HGLFDO6WRUH/DERU:RUNHWF 25

Partnership/ Business Deed, OR
Self-employed or unemployed women - Self-declaration, OR
Valid Student ID Card/ Letter from Educational Institute, OR
6HOIGHFODUDWLRQ ,QFDVHRI$'$$'5$DQG)UHHODQFHU'LJLWDO$FFRXQW 25
Any other Document evidencing the Profession

Back Next

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Some Customers will need to fill out additional fields that will
load based on their employment “type”

List of required documents along with

the added screens are as follows:

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ELIGIBILITY OF
DOCUMENTS

Q Business / Proprietor Letterhead

Q Partnership / Business Deed

Q Proof of Self Employment

SELF - EMPLOYED
Q Valid Work/ Business Permit Document

DOCUMENTS REQUIRED Q Self Employed Declaration

Proof of Income/Business Q Receipt of Payment / Account Statement / Tax Statement / Tax
Return
Q Any other document evidencing profession/ source of income/ Funds
Q Documents showing Inheritance/ Agriculture Income/ Investment /
Rental Income/ Interest Income
Q * A single document showing "proof of profession and source of
income/ funds" may also suffice both of the requirements.

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Documents Required
Self Employed Employed Unemployed Student House Wife Retired Person Landlord
Eligibility of Documents
1 Name of Business 2 Source of Fund 3 Telephone Office (Customer)

Choose your Employment type

Self Employed Employment Unemployed Student

House Wife Retired Person Landlord

1 2
Source of Fund
Name of Business
Please Select

3 7HO2ǖ &XVWRPHU

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ELIGIBILITY OF
DOCUMENTS

Q Valid Job/ Employee Card /Employment Certificate/ Contract/

Employer Letter/ Work permit OR
Q Self Declaration in case of ADA / ADRA
SALARIED Q Latest Salary Slip / Salary Certificate / Payment Slip / Account
PERSON Statement / Tax Return / Tax Certificate
Q Any document evidencing profession/ source of income.
DOCUMENTS REQUIRED
Proof of Income/Business Q Documents showing Inheritance/ Agriculture Income/ Investment /
Rental Income/ Interest Income

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Documents Required
Self Employed Employed Unemployed Student House Wife Retired Person Landlord
Eligibility of Documents
1 Write the name of your current 2 Your job title /designation 3 Source of Fund 4 Office telephone number
employer/company

Occupation Detials

Self Employed Employment Unemployed Student

House Wife Retired Person Landlord

1 Name of Business
3 Job Title

2 4
Source of Fund
7HO2ǖ &XVWRPHU
Please Select

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ELIGIBILITY OF
DOCUMENTS

Q Self Declaration for fund provider/ Remitter details

Q Fund provider (CNIC/ SNIC)

Any document evidencing profession/ source of income/ Funds of
UNEMPLOYED Q
fund provider
Q Documents showing Inheritance/ Agriculture Income/ Investment /
DOCUMENTS REQUIRED Rental Income/ Interest Income
Q Valid Job/ Employee Card /Employment Certificate/ Contract/
Source of Income
Employer Letter/ Work permit OR

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Documents Required Occupation Details

Self Employed Employed Unemployed
Student House Wife Retired Person Self Employed Employed Unemployed Student
Landlord
Eligibility of Documents
House Wife Retired Person Landlord
1 Select Source of Funds

1
Source of Fund
Please Select

Documents Required

1RWH$Q\RQHRIWKHIROORZLQJGRFXPHQWVVKRXOGVXǗFH

Self Declaration for fund provider/ Remitter details

)XQGSURYLGHU &1,&61,&
Any document evidencing profession/ source of income/ Funds of fund provider
Documents showing Inheritance/ Agriculture Income/ Investment/ Rental Income/ Interest Income

Save as Draft

Back Next

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ELIGIBILITY OF
DOCUMENTS

Q *A single document showing "proof and source of income/ funds"

may also suffice above requirements.
Q Valid Student ID Card / Letter from Educational Institute
Q Self Declaration (attached) [capture information through link] for
STUDENT fund provider/ Remitter details
Q Fund provider (CNIC/ SNIC)
DOCUMENTS REQUIRED Q Any document evidencing profession/ source of income/ Funds
Source of Income of fund provider
Q Documents showing Inheritance/ Agriculture Income/ Investment
/ Rental Income/ Interest Income

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Occupation Details

Self Employed Employment Unemployed Student

House Wife Retired Person Landlord

1 Name of Institute

2 Source Of Income Self Fund Provider

Source of Fund Source of Income

3 Please Select 4 Select Source of Income

5 6
Fund Provider Relation
Name of Fund Provider
Please Fund Provider Relation

Fund Provider Doc ID

7 Select Fund Provider Doc ID 8 Fund Provider ID Doc Number

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FIELD REQUIREMENT

1 Write the name of the Institute the student Is currently studying in or graduated from

2 Choose your source of Income: if customer is earning themselves, they will choose 1) SELF OR if they are
dependent on a parent /guardian/spouse they will choose 2) Fund Provider

3 Select your Source of Funds

4 Select source of income from the dropdown options

5 Write the name of your fund provider

6 State your fund providers relation with you

7 Choose your fund providers identification document type (CNIC/SNIC)

8 Write in their identification document number

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ELIGIBILITY OF
DOCUMENTS

Q Self Declaration (attached) [capture information through link] for fund

provider/ Remitter details

Q Fund provider (CNIC/ SNIC)

HOUSEWIFE Q Any document evidencing profession/ source of income/ Funds of fund
provider
Q Documents showing Inheritance/ Agriculture Income/ Investment /
DOCUMENTS REQUIRED Rental Income/ Interest Income
Source of Income

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Occupation Details

Self Employed Employment Unemployed Student

House Wife Retired Person Landlord

1 Source Of Income Self Fund Provider

Source of Fund Source of Income

2 Please Select 3 Select Source of Income

4 5
Fund Provider Relation
Name of Fund Provider
Please Fund Provider Relation

Fund Provider Doc ID

6 Select Fund Provider Doc ID 7 Fund Provider ID Doc Number

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FIELDS REQUIREMENT
1 Source of Income:

2 Source of Funds

3 Source of Income

4 Write the name of your fund provider

5 State your fund providers relation with you

6 Choose your fund providers identification document type (CNIC/SNIC)

7 Write in their identification document number

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ELIGIBILITY OF
DOCUMENTS

Q Retirement Letter / Retirement Proof

Q Pension Book Slip / Evidence of Terminal benefits

RETIRED
PERSON Q Any other document evidencing profession/ source of income/ Funds

Self Declaration in case of ADA, ADRA

DOCUMENTS REQUIRED Q

Proof of Business & Income* Q

Documents showing Inheritance/ Agriculture Income/ Investment /
Rental Income/ Interest Income
*A single document showing "proof and source of income/ funds"
Q
may also suffice above requirements.

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Documents Required
Self Employed Employed Unemployed Student House Wife Retired Person Landlord
Eligibility of Documents
1 Customer will select their source of funds

Occupation Details

Self Employed Employment Unemployed Student

House Wife Retired Person Landlord

1
Source of Fund
Please Select

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ELIGIBILITY OF
DOCUMENTS

Q Retirement Letter / Retirement Proof

Q Pension Book Slip / Evidence of Terminal benefits

LANDLORD
Q Any other document evidencing profession/ source of income/ Funds

DOCUMENTS REQUIRED Q Self Declaration in case of ADA, ADRA

Land Ownership Document/
Agricultural Passbook/Khasra Q Documents showing Inheritance/ Agriculture Income/ Investment /
Girdwaari Rental Income/ Interest Income
Q *A single document showing "proof and source of income/ funds"
may also suffice above requirements.

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Documents Required
Self Employed Employed Unemployed Student House Wife Retired Person Landlord
Eligibility of Documents
1 Customer will select their source of funds

Occupation Details

Self Employed Employment Unemployed Student

House Wife Retired Person Landlord

Source of Fund
1 Please Select

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SCREEN 8
Address Details
SCREEN 8
1 Select Address type:
Permanent/Professional/ Address Details
Institute Address/Current Address Type ⱖ ㅎ
Ĩ ಫ
Ĩ
Address 1 Permanent
Permanent Address*
2 Select the province in which 2
Province
Select Province 3
ǎ 㽸
City ‫⸗ة‬ Ĩ ⚘
Ĩ
Select City
1R,QIRUPDWLRQ<HW

your address comes under

Current Address*
3 Select the City in which the 4 +RXVH2ǗFH1R 䓖 ⪣
Ĩ ì㎛
1R,QIRUPDWLRQ<HW

given address is in Professional Address*

ǔǔ ǎ ҍⅈä
Ǘ ǎ
5 Street/Lane/Avenue ̲‫ ٵٵ‬ǎ ǎͽäɮ 1R,QIRUPDWLRQ<HW
4 Enter house/apartment number
5 Enter your street/lane name 6 Area/Town/Village ėá㈊Ⱳⴒ⥲

6 Enter area/town/village 7 Postal Code 䓖 ò

Ĩ 㰤 ⵇĨ ĕ
Ĩ äĒ

7 Enter your postal code

8 + Add Remitter
8 In case you want to add another
address, choose this option
Back 1H[W

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Address Details Address Details

Address Type ⱖㅎ
Ĩ ಫ
Ĩ
Select Address Type
Permanent Address*
1 Permanent Address* 6,1'+.$5$&+,
SINDH, KARACHI Province City ǎ 㽸
‫⸗ة‬ Ĩ ⚘
Ĩ
'HIHQFH
Select Province Select City
963, 485, Defence, 789
Use as Mailing Address
Use as Mailing Address +RXVH2ǗFH1R 䓖 ⪣
Ĩ ì㎛

Current Address*
ǔ ǔ Ǘ
2 Current Address* ǎ ҍⅈä
Street/Lane/Avenue ‫ٵ̲ٵ‬ǎ ǎͽäɮ ǎ
6,1'+.$5$&+, Remove Address
SINDH, KARACHI Remove Address
'HIHQFH

963, 485, Defence, 789 Area/Town/Village ėá㈊Ⱳⴒ⥲ Use as Mailing Address

Use same as Permanent Address
Use as Mailing Address

Postal Code 䓖 ò
Ĩ 㰤 ⵇĨ ĕ
Ĩ äĒ
Use as Mailing Address
Use same as Permanent Address

Use as Mailing Address

Professional Address*
+ Add Remitter
Professional Address*
6,1'+.$5$&+,
3 'HIHQFH
Remove Address

SINDH, KARACHI Remove Address Use same as Permanent Address

963, 485, Defence, 789
Use as Mailing Address
Use same as Permanent Address

Use as Mailing Address

6DYHDV'UDIW

Back 1H[W

57
R

FIELD REQUIREMENT

1 Select Address type : Permanent / Professional – Institute Address / Current Address

2 Select the province in which your address comes under

3 Select the City in which the given address is in

4 Enter house/apartment number

5 Enter your street/lane name

6 Enter area/town/village

7 Enter your postal code

8 In case you want to add another address, choose this option

58
 L

SCREEN 9
Declarations

1 Zakat Exemption <HV 1R

1 Zakat Exemption <HV 1R

Foreign Account Tax Compliance Act (FATCA)
For customers who opt for SAVINGS ACCOUNT
– They can choose to be exempted from paying Zakat, as the Bank issues instructions for )$7&$LV86OHJLVODWLRQDLPHGDWSUHYHQWLQJWD[HYDVLRQE\863HUVRQV ZKLFKLQFOXGHVFRPSDQLHV XVLQJRYHUVHDV
DFFRXQWVDQGLPSURYLQJWD[FRPSOLDQFHEHWZHHQWKH86DQGǓQDQFLDOLQVWLWXWLRQVMXULVGLFWLRQVWKDWKDYHDJUHHGWR
Zakat payments every year) Non-Muslims can also opt for Zakat Exemption. DGRSWLW)$7&$VHHNVWRHVWDEOLVK863HUVRQVWD[VWDWXV

Non Muslims can also apply for Zakat Exemptions by selection of Yes.
Read the Foreign Account Tax Compliance Act 2 Are you a US Citizen <HV 1R

FATCA is US legislation aimed at preventing tax evasion by US Persons (which includes companies)
using overseas accounts, and improving tax compliance between the US and financial institutions/ 3 Are you a US Green Card Holder <HV 1R

jurisdictions that have agreed to adopt it. FATCA seeks to establish US Persons tax status
4 Are you paying any taxes in the US
2 If you are a US Citizen click YES
<HV 1R

If you are a US Green Card Holder click YES 5

3 Were you born in the US <HV 1R

4 If you are paying any taxes in the US click YES 6 Are any of your parents a US Citizen <HV 1R

5 If you were born in the US click YES

Common Reporting Standard (CRS) - Tax Residency Information
6 If any of your parents (mother or father) are a US Citizen, click YES 7KH&RPPRQ5HSRUWLQJ6WDQGDUG &56 LVDQLQIRUPDWLRQJDWKHULQJDQGUHSRUWLQJUHTXLUHPHQWIRUǓQDQFLDOLQVWLWXWLRQV
LQSDUWLFLSDWLQJFRXQWULHVMXULVGLFWLRQWRKHOSǓJKWDJDLQVWWD[HYDVLRQDQGSURWHFWWKHLQWHJULW\RIWKHWD[V\VWHP

Read the Common Reporting Standard (CRS) - Tax Residency Information

The Common Reporting Standard (CRS) is an information-gathering and reporting requirement for
financial institutions in participating countries/jurisdictions, to help fight against tax evasion and 7 Are you a tax resident of a country other
than US and Pakistan?
<HV 1R

protect the integrity of the tax system

7 If you are a tax resident of another country Back
6DYHDV'UDIW

other than the US and Pakistan <HV 1R 1H[W

59
R

Customers with a US STATUS need to fill the W9 form

1 Business Name 2 List of Account Numbers 3 Requester’s name and address 4 Social Security Number
5 Employee Identification Number 6 Address (Number, Street, and apartment/suite no.
7 Please fill and submit W9 along with the Social Security Number (SSN) or Employer Identification Number EIN

1 Business name/disregarded entity name 2 /LVWRI$FFRXQW1XPEHUV

3 5HTXHVWHUƦVQDPHDQGDGGUHVV 4 6RFLDOVHFXULW\QXPEHU

5 (PSOR\HU,GHQWLǓFDWLRQ1XPEHU 6 $GGUHVV QXPEHUVWUHHWDQGDSWRUVXLWHQR

7 3OHDVHǓOODQGVXEPLW:DORQJZLWK6RFLDO6HFXULW\1XPEHU 661 RU(PSOR\HU,GHQWLǓFDWLRQ1XPEHU (,1

60
 L

When there is no clarity in above answered questions.

These options will be given to the customer to get more clarity on their status
1 US STATUS 2 Business Name 3 List of Account Numbers 4 Requester’s name and address 5 Social Security Number
5 Employee Identification Number 6 Address (Number, Street, and apartment/suite no.
7 Please fill and submit W9 along with the Social Security Number (SSN) or Employer Identification Number EIN

)$7&$'HFODUDWLRQ
1 US Status

2 Business name/ disregarded entity name 3 /LVWRI$FFRXQW1XPEHUV

4 5HTXHVWHUƦVQDPHDQGDGGUHVV 5 6RFLDOVHFXULW\QXPEHU

6 (PSOR\HU,GHQWLǓFDWLRQ1XPEHU 7 $GGUHVV QXPEHUVWUHHWDQGDSWRUVXLWHQR

8 3OHDVHǓOODQGVXEPLW:DORQJZLWK6RFLDO6HFXULW\1XPEHU 661 RU(PSOR\HU,GHQWLǓFDWLRQ1XPEHU (,1

61
R

Options for those customers who select a NON US STATUS – W8

1 NON-US STATUS 2 US Taxpayer Identification Number (SSN or ITIN) 3 Foreign Tax Identifying Number
4 Check if FTIN not legally 5 Reference Number 6 Provide Certificate of Loss Nationality (CLN) along with W-8

)$7&$'HFODUDWLRQ
1 1RQ866WDWXV

2 867D[SD\HU,GHQWLǓFDWLRQ1XPEHU 661RU,7,1 3 )RUHLJQ7D[,GHQWLI\LQJ1XPEHU

4 &KHFNLI)7,1QRWOHJDOO\ <HV 1R 5 5HIHUDQFH1XPEHU

6 3URYLGH&HUWLǓFDWHRI/RVV1DWLRQDOLW\ &/1 DORQJZWK:

62
 L

Common Reporting Standard (CRS) - Tax Residency Information

The Common Reporting Standard (CRS) is an information-gathering and reporting requirement for financial institutions in participating countries/
jurisdictions, to help fight against tax evasion and protect the integrity of the tax system
Are you a tax resident of a country other than US and Pakistan? <HV 1R

1 Name of Country
<RX+DYH&KRVHQ,QGLYLGXDO$FFRXQW ? 1HHG+HOS

Common Reporting Standard (CRS) - Tax Residency Information

2 CRS TIN 7KH&RPPRQ5HSRUWLQJ6WDQGDUG &56 LVDQLQIRUPDWLRQJDWKHULQJDQGUHSRUWLQJUHTXLUHPHQWIRUǓQDQFLDOLQVWLWXWLRQVLQSDUWLFLSDWLQJFRXQWULHVMXULVGLFWLRQVWRKHOSǓJKWDJDLQVWWD[HYDVLRQDQGSURWHFWWKHLQWHJULW\
RIWKHWD[V\VWHP

3 if No TIN is available enter Reason A, B or C

Are you a tax resident of a country other than US and Pakistan? <HV 1R

4 Citizen (C)
1DPHRI&RXQWU\
1 6HOHFW1DPHRI&RXQWU\

5 Reference Number Reason A

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2 &567,1
Reason B

6 Permanent Resident (PR) 3

LI1R7,1LVDYDLODEOHHQWHU5HDVRQ$%RU&
7KH$FFRXQW+ROGHULVXQDEOHWRREWDLQD7,1171RUHTXLYDOHQWWD[QXPEHU 3OHDVHH[SODLQZK\\RX
DUHXQDEOHWRREWDLQD7,1171LQWKHEHORZWDEOHLI\RXKDYHVHOHFWHGWKLVUHDVRQ

Select Reason Reason C

6 Tax Resident (PR)

1R7,1171LVUHTXLUHG 1RWH2QO\VHOHFWWKLVUHDVRQLIWKHDXWKRULWLHVRIWKHFRXQWU\RIWD[UHVLGHQFH
HQWHUHGEHORZGRQRWUHTXLUHWKH7,1171WREHGLVFORVHG

4 &LWL]HQ & <HV 1R

Reason A
5 3HUPDQHQW5HVLGHQW 35 <HV 1R
The country where the Account Holder is liable to pay tax does not issue
TIN/NTNs to its residents 6 7D[5HVLGHQW 35 <HV 1R

Reason B
The Account Holder is unable to obtain a TIN/NTN or equivalent tax number 7 + Add Record
(Please explain why you are unable to obtain a TIN/ NTN in the below table
if you have selected this reason)
Reason C Back 1H[W
No TIN/ NTN is required.
(Note: Only select this reason if the authorities of the country of tax residence 'HEXJ_$FFRXQW7 &_)$4ƦV_'LVFODLPHU 3ULYDF\3ROLF\_
entered below do not require the TIN/NTN to be disclosed)

63
R

FIELD REQUIREMENT
1 Select Name of Country
2 CRS TIN (Tax Identification Number)
3 If TIN is not available select reason from the drop down list
4 Is the customer a citizen of the country they are paying taxes in?
5 Does the customer have a permanent residency status in this country?
6 Is the customer a tax resident in this country?
7 Add record if needed

64
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SCREEN 10
Process to upload documents:
1 The List of Documents applicable to
the customer will be visible
Upload your documents
2 The Upload Option is available in Tips to upload your documents properly

green
Ensure you upload document in jpg. png or PDFIRUPDWDQGWKHǓOHVL]HGRHVQRWH[FHHG5MB

Note:$Q\RQHRIWKHIROORZLQJGRFXPHQWVVKRXOGVXǗFH
In case, a wrong file isuploaded, delete the
file byclicking on the trash can and upload 1
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2 2 8SORDG'RFXPHQW
)UHHODQFHUV*URFHU\6WRUH0HGLFDO6WRUH/DERU:RUNHWF

again 3DUWQHUVKLS%XVLQHVV'HHG25 8SORDG'RFXPHQW

Ensure you upload documents in jpg, png, 6HOIHPSOR\HGRUXQHPSOR\HGZRPHQVHOIGHFODUDWLRQ25 8SORDG'RFXPHQW

or pdf format and you file size does not 9DOLG6WXGHQW,'&DUG/HWWHUIURP(GXFDWLRQDO,QVWLWXUH25 8SORDG'RFXPHQW

exeed 5MB 9DOLG:RUN3HUPLWVKRZLQJ%XVLQHVV1DWXUHRI:RUNHWF25 8SORDG'RFXPHQW

6HOIGHFODUDWLRQ ,QFDVHRI$'$$'5$DQG)UHHODQFHU'LJLWDO$FFRXQW 25 8SORDG'RFXPHQW

$Q\RWKHU'RFXPHQWHYLGHQFLQJWKH3URIHVVLRQ 8SORDG'RFXPHQW

Back 1H[W

65
R

SCREEN 11
Process to upload documents:
1 Type in your FULL NAME
2 UPLOAD SIGATURE PHOTO

Customer will take a photo of their signature

and upload the image (Customer will sign on
a white paper and ensure signature is clear
Ensure you upload documents in jpg, png,
or pdf format and you file size does not
exeed 2MB

66
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Once the photo of your signature is uploaded you may adjust the photo and Save it.

Customer Specimen Signature

Tips to upload your documents properly
Edit yourEnsure
signature
you upload document in jpg. png or PDFIRUPDWDQGWKHǓOHVL]HGRHVQRWH[FHHG5MB

Rotate

Bank AL Habib Ltd - Speciman Signature Card

6\HG0XKDPPDG$QDV,TEDO 6\HG0XKDPPDG$QDV,TEDO
1DPH 1DPH
Upload Signature
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Signature Signature

7DNHDSKRWRRI\RXUVLJQDWXUHDQGXSORDGWKHLPDJH
VLJQRQDZKLWHSDSHUDQGHQVXUH\RXUVLJQDWXUHLVFOHDU
,PDJH'LPHQVLRQVKRXOGEHS[ZLGWKDQGKHLJKW S[

6\HG0XKDPPDG$QDV,TEDO 6\HG0XKDPPDG$QDV,TEDO
1DPH 1DPH
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Signature Signature

0
Save

Back 1H[W

67
R

Upon successful upload, and adjustments – This is the screen the customer will see

Incase, the photo is unclear, or customer is not satisfied, the customer can upload again

Upon clicking NEXT the photo will be uploaded

68
 L

Incase a camera is not detected, customers

will see this screen
They must then go to their browser settings
and allow camera access

Live Image Capturing

In order to process your picture kindly follow the instructions

:HEFDPZDVQRWGHWHFWHGSOHDVHDWWDFKDZHEFDP
DQGFOLFNRQ5HORDG&DPHUDEXWWRQ

Reload Camera

Back 1H[W

69
R

SCREEN 12
Live Photo Capture
<RX+DYH&KRVHQ,QGLYLGXDO$FFRXQW ? 1HHG+HOS

Customers need access to a WEB CAM

Live Image Capturing
Step 1 – Click on In order to process your picture kindly follow the instructions

1 Capture Image
&DSWXUH,PDJH
Step 2 – Allow Camera access
Photo is taken
Now click on:

2 Upload Image

&DSWXUH,PDJH

Back
1 2 6DYHDV'UDIW 1H[W

70
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The customer needs to ensure that he takes his photo under the following guidelines

Instructions for capturing your Image

Do’s Dont’s

71
R

SCREEN 13
Review & Verify Details
Review & Verify Details 'RZQORDG,QIRUPDWLRQ

1 Contact Information Edit 2 3

1 The customer will review all the )XOO1DPH $FFRXQW7LWOH

6\HG0XKDPPDG$QDV,TEDO
&1,&


information he/she has filled in 0RELOH1XPEHU 0RWKHU0RGHUQ1DPH

 Fatima Ali

2 The EDIT option is available in case Email )DWKHUƦV1DPH

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the customer wants to correct/
update any section Personal Information Edit

3 DOWNLOAD the information for

)XOO1DPH $FFRXQW7LWOH &1,&

6\HG0XKDPPDG$QDV,TEDO 

record 0RELOH1XPEHU


0RWKHU0RGHUQ1DPH

Fatima Ali
Email )DWKHUƦV1DPH

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Employment Details Edit

)XOO1DPH $FFRXQW7LWOH &1,&

6\HG0XKDPPDG$QDV,TEDO 
0RELOH1XPEHU 0RWKHU0RGHUQ1DPH
 Fatima Ali
Email )DWKHUƦV1DPH
DQDVLTEDO#EDQNDOKDELEFRP 0XKDPPDG$OL

72
 L

LAST SCREEN
Once the onboarding process is complete the
Congratulations screen will appear
The reference number for any further queries will be given to
customer
(The customer can contact the Call Center with their reference number to get an update
on their application status)

What Happens next – The Customer will be informed

about the next three steps:

Their application will be reviewed

Once review is successful the customer account number will be

shared with them via email
(The Customers CNIC number will be used to access the account number)

Please get your biometric verification done via the AL Habib

Biometric Verification App or by visiting any Bank AL Habib
branch after your digital account has been opened.
After 60 days your account will be debit blocked if biometric verification is not
processed in due time
73
R

Onboarding process
for
Minor Account

74
 L

SCREEN 2
If you wish to open an account Digitally, follow the given steps:

&KRRVH$FFRXQW7\SH

,QGLYLGXDO$FFRXQW OR Minor Account

$SSO\1RZ $SSO\1RZ

For Individuals above For individuals below 18

18 years of age years of age

75
R

Contact Information (Guardian)

1 Upload CNIC/SNIC - Front 2 Upload CNIC/SNIC - Back 3 Solutation 4 Full Name (as per ID)*

5 Identification Type 6 Enter CNIC 7 CNIC Issuance Date 8 Mobile Network 9 Mobile Number 10 Email

Contact Information (Guardian)

1 2
Upload CNIC/SNIC - Front Upload CNIC/SNIC - Back
6XSSRUWHG)RUPDWV-3*-3(*DQG31*0D[ǓOHVL]H0% 6XSSRUWHG)RUPDWV-3*-3(*DQG31*0D[ǓOHVL]H0%

ǖ ǔ
Solutation
ǔ ,GHQWLǓFDWLRQ7\SH ⱖㅎ
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3 Select Salutation 4 )XOO1DPH DVSHU,' ࢑㶩 ㈉
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ǔǎ ǖ ǖ ǔ
6 ǎ é
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ǔ
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76
 L

Upon selecting
Minor Account
This is how customers will proceed with the
digital onboarding process.

Minor Account

$SSO\1RZ

77
R

FIELD REQUIREMENT
Upload scanned copy of ID document (front)
1 Supported formats: JPEG,PNG File Size Max 2 MB
Upload scanned copy of ID document (back)
2 Supported formats: JPEG,PNG File Size Max 2 MB

3 Select Salutation

4 Full Name as per CNIC

5 Select Identification Type

6 Enter CNIC

7 Enter CNIC Issuance Date

8 Select mobile network (Jazz,Ufone,Zong etc.)

9 Enter Mobile number

10 Email address

78
 L

SCREEN 4
Verification
The customer will need to enter a 6 digit OTAC
(One Time Authentication Code) that will be
shared with the customer on their registered
mobile number and email address.

In case the OTP is not received in time

customer can click on the “Resend OTP”
option written in green

79
R

Customers will choose their preferred mode of banking

Conventional Banking :
We have a host of products tailored to your financial needs so you can bank with us with convenience.
Islamic Banking :
Bank AL Habib offers a full range of Shariah Compliant Islamic Banking products and services through its dedicated branches in Major cities
across Pakistan

&KRRVH%DQNLQJ0RGH

Conventional Banking Islamic Banking

:HKDYHDKRVWRISURGXFWVWDLORUHGWR\RXUǓQDQFLDOQHHGVVR\RXFDQ %DQN$/+DELERǖHUVDIXOOUDQJHRI6KDULDK&RPSOLDQW,VODPLF%DQNLQJ
EDQNZLWKXVZLWKFRQYHQLHQFH SURGXFWVDQGVHUYLFHVWKURXJKLWVGHGLFDWHGEUDQFKHVLQPDMRUFLWLHV
across Pakistan

80
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Then the customer will:

1 Choose the type of Account they wish :
to open, then;
Current
Meet your regular banking needs with freedom.

Saving 1 Current Saving

Accounts that manage your savings with convenience
0HHW\RXUUHJXODUEDQNLQJQHHGVZLWKIUHHGRP $FFRXQWVWKDWPDQDJH\RXUVDYLQJVZLWKFRQYHQLHQFH

2 Select the Currency preference in which

they want to open their account
Select Currency
EG: PKR/USD/EUR
2 Rs 3.5 $ 86' £ GBP € EUR

6DYHDV'UDIW

Back 1H[W

Note: Customers choosing a foreign currency will not be offered a Debit Card

81
R

Choose an Account
Select Account
Currently, the only account being offered for
MINOR Account is Digital Account
Currency: PKR/ FCY
Monthly limit of USD 5,000 or equivalent Digital Account
(debit & credit limits shall be applied separately)
&XUUHQF\3.5)&<
Cash withdrawal limit of PKR 500,000/- or equivalent per day
0RQWKO\OLPLWRI86'RUHTXLYDOHQW GHELW
Self-declaration is required FUHGLWOLPLWVVKDOOEHDSSOLHGVHSDUDWHO\
&DVKZLWKGUDZDOOLPLWRI3.5
RUHTXLYDOHQWSHUGD\
6HOIGHFODUDWLRQLVUHTXLUHG

Selected

82
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In the next step

the customer will be given options to choose a Debit Card preference
(Debit Cards are not offered on Foreign Currency Accounts)

Select your Preferences

'HELW&DUG

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MM/YY MM/YY
VALID
THRU 12/24 VALID
THRU 12/24 6233 MM/YY
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CARD HOLDER NAME CARD HOLDER NAME CARD HOLDER NAME

Visa Gold Visa Silver Union Pay International PayPak

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Select Selected Select Select

83
R

Customers will then tick mark

SMS Alerts facility if they wish to obtain this service.

Select your Preferences

'HELW&DUG

SMS Alerts

Free Value Added Service

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84
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Personal Details
Then the customer will:

Personal Details
Basic Information
ǖ ǔ
Minor Salutation ǔ 0LQRU,'7\SH ⱖ ㅎ
Ĩ ̵♶
Ĩ
1 Select Salutation 2 0LQRU)XOO1DPH DVSHU,' ࢑㶩 ㈉
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Ĩ 3 &1,&

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Ĩ ♶ 0LQRU'RFXPHQW,VVXDQFH'DWH
4 5

ǔǎ ǖ
6 ,''RF([SLU\'DWH 7 'DWHRI%LUWK 䢫ä‫ٶ‬ӌǎ Ǎ َî‫ٱ‬
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Ĩ ᜯ ǎ 㽸ᢏ
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8 6HOHFW3ODFHRI%LUWK 9 Select Gender

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85
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1 Select Salutation from the dropdown options

2 Write in the Minor full name as per ID

3 Choose Minor ID document type

4 Minor ID Number

5 Minor document issuance date

6 ID Doc Expiry Date

7 Date of Birth

8 Select place of birth

9 Select Gender

10 Select Nationality

11 In case of Dual Nationality select Yes or No

86
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Additional Information
1 Select relationship with the next of kin 2 Write in the name of your next of kin 3 Select current marital status
4 Write in mother’s maiden name (Name before marriage) 5 Write in the landline number that is currently in use
6 Write in the fathers or husband’s name 7 Select Qualification

Additional Information
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87
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Know Your Customer Information

1 Are you a PEP 2 Select Purpose of account 3 Withdrawal per month 4 Deposit per month

Know Your Customer information

1 $UH<RXUD3(3" <HV 1R

ǔ
Purpose of Account ĨǗ
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4 'HSRVLW3HU0RQWK

Disclaimer

<RXPD\EHFRQWUDFWHGIRU9LGHR.<&LIUHTXLUHGE\RXUUHSUHVHQWDWLYH,I\RXZLVKWRVHOHFWDSDUWLFXODUWLPHIRU\RXU9LGHR.<&\RXPD\GRVR
E\&OLFNKHUH

88
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Guardian Information
1 Enter Guardian relationship 2 Enter Guardian 3 CNIC Expiry 4 Enter Occupation

Guardian Information
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1 )DWKHU 2 

&1,&([SLU\'DWH Occupation

3  4 Self Employed

Back 6DYHDV'UDIW 1H[W

89
R

Occupation Details Occupation Details

1
1DPHRI,QVWLWXWH

1 Enter Name of Institution %DQN$/+DELE/LPLWHG

2 Select Source of Income 2 6RXUFH2I,QFRPH Self Fund Provider

3 Select Type of Income Fund

3 4
Source of Fund 6RXUFHRI,QFRPH

Salary 6HOHFW6RXUFHRI,QFRPH

4 Select Source of Income

(Further classified) Documents Required

Documents Required 1RWH$Q\RQHRIWKHIROORZLQJGRFXPHQWVVKRXOGVXǗFH

Valid Student ID Card / Letter from 9DOLG6WXGHQW,'&DUG/HWWHUIURP(GXFDWLRQ,QVWLWXWH

6Hǔ'HFODUDWLRQ DWWDFKHG >FDSWXUHLQIRUPDWLRQWKURXJKOLQN@IRUIXQGSURYLGHU5HPLWWHUGHWDLOV
Education Institute )XQGSURYLGHU &1,&61,&
Any document evidencing profession/ source of income/ Funds of fund provider
Sefl Declaration (attached) [capture information 'RFXPHQWVVKRZLQJ,QKHULWDQFH$JULFXOWXUH,QFRPH,QYHVWPHQW5HQWDO,QFRPH,QWHUHVW,QFRPH
through link] for fund provider/Remitter details
Fund provider (CNIC/ SNIC)
Back 6DYHDV'UDIW 1H[W
Any document evidencing profession/
source of income/ Funds of fund provider
Documents showing Inheritance/
Agriculture Income/ Investment/
Rental Income/ Interest Income

90
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Terms & Conditions

1 Zakat Exemption <HV 1R

2 Foreign Account Tax Compliance Act (FATCA)

)$7&$LV86OHJLVODWLRQDLPHGDWSUHYHQWLQJWD[HYDVLRQE\863HUVRQV ZKLFKLQFOXGHVFRPSDQLHV XVLQJRYHUVHDVDFFRXQWVDQGLPSURYLQJWD[
FRPSOLDQFHEHWZHHQWKH86DQGǓQDQFLDOLQVWLWXWLRQVMXULVGLFWLRQVWKDWKDYHDJUHHGWRDGRSWLW)$7&$VHHNVWRHVWDEOLVK863HUVRQVWD[VWDWXV

)$7&$,QIRUPDWLRQIRU0LQRU

3 Are you a US Citizen <HV 1R

4 Are you a US Green Card Holder <HV 1R

5 Are you paying any taxes in the US <HV 1R

6 Were you born in the US <HV 1R

7 Are any of your parents a US Citizen <HV 1R

91
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FIELD REQUIREMENTS
ZAKAT Exemption
1
For customers who opt for SAVINGS ACCOUNT – They can choose to be exempted from paying Zakat, as the Bank
issues instructions for Zakat payments every year)

Read the Foreign Account Tax Compliance Act:

2
FATCA is US legislation aimed at preventing tax evasion by US Persons (which includes companies) using overseas accounts and improving
tax compliance between the US and financial institutions/jurisdictions that have agreed to adopt it. FATCA seeks to establish US Persons
tax status

3 Are you a US citizen YES/NO

4 Are you a US Green Cardholder YES/NO

5 Are you paying any taxes in the US YES/NO

6 Were you born in the US YES/NO

7 Are any of your parents a US Citizen YES/NO

92
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FATCA Information for Guardian

1 Are you a US citizen <HV 1R 1 Are you a US Green Cardholder <HV 1R

1 Are you paying any taxes in the US <HV 1R 1 Were you born in the US <HV 1R

1 Are any of your parents a US Citizen <HV 1R

)$7&$,QIRUPDWLRQIRU*XDUGLDQ

1 Are you a US Citizen <HV 1R

2 Are you a US Green Card Holder <HV 1R

3 Are you paying any taxes in the US <HV 1R

4 Were you born in the US <HV 1R

5 Are any of your parents a US Citizen <HV 1R

93
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Common Reporting Standard (CRS) - Tax Residency Information

The Common Reporting Standard (CRS) is an information-gathering and reporting requirement for financial institutions in participating
countries/jurisdictions, to help fight against tax evasion and protect the integrity of the tax system
1 Are you a tax resident of a country other than US and Pakistan? <HV 1R

2 Name of Country Common Reporting Standard (CRS) - Tax Residency Information

3
7KH&RPPRQ5HSRUWLQJ6WDQGDUG &56 LVDQLQIRUPDWLRQJDWKHULQJDQGUHSRUWLQJUHTXLUHPHQWIRUǓQDQFLDOLQVWLWXWLRQVLQSDUWLFLSDWLQJFRXQWULHVMXULVGLFWLRQVWRKHOSǓJKW
CRS TIN DJDLQVWWD[HYDVLRQDQGSURWHFWWKHLQWHJULW\RIWKHWD[V\VWHP

4 if No TIN is available enter Reason A,B or C

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Are you a tax resident of a country other than US and

5 1 1R
Citizen (C)
<HV
<HV 1R Pakistan?

6 2
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Permanent Resident (PR) <HV 1R 6HOHFW1DPHRI&RXQWU\

Reason A
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3
7
&567,1

Tax Resident (PR)

171VWRLWVUHVLGHQWV
<HV 1R Reason B
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4
LI1R7,1LVDYDLODEOHHQWHU5HDVRQ$%RU&

8
3OHDVHH[SODLQZK\\RXDUHXQDEOHWRREWDLQD7,1171LQWKHEHORZWDEOHLI

+ Add Record
Select Reason
\RXKDYHVHOHFWHGWKLVUHDVRQ

Reason C

Reason A 5 &LWL]HQ & <HV 1R

1R7,1171LVUHTXLUHG 1RWH2QO\VHOHFWWKLVUHDVRQLIWKHDXWKRULWLHVRIWKH
FRXQWU\RIWD[UHVLGHQFHHQWHUHGEHORZGRQRWUHTXLUHWKH7,1171WREH
The country where the Account Holder is liable to pay tax does not issue TIN/ NTNs to GLVFORVHG

its residents 6 3HUPDQHQW5HVLGHQW 35 <HV 1R

Reason B
The Account Holder is unable to obtain a TIN/ NTN or equivalent tax number (Please 7 7D[5HVLGHQW 35 <HV 1R

explain why you are unable to obtain a TIN/ NTN in the below table if you have selected
this reason)
Reason C 8
No TIN/ NTN is required. (Note: Only select this reason if the authorities of the country + Add8Record
of tax residence entered below do not require the TIN/NTN to be disclosed)

94
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FIELD REQUIREMENTS
1 Are you a tax resident of a country other than US and Pakistan? Yes/No

2 Select the name of the country ( In which customer is paying taxes)

3 CRS Tin Number ( Tax Identification Number)

4 If there is no TIN available kindly select reason from A,B,C

5 Citizen Yes/No – Is the customer a citizen of this country they are paying taxes in

6 Permanent Resident Yes/No – Of the country customer is paying taxes in

7 Tax Resident Yes/No

8 Add another record if needed

95
R

Common Reporting Standard (CRS) - Tax Residency Information

The Common Reporting Standard (CRS) is an information-gathering and reporting requirement for financial institutions in participating
countries/jurisdictions, to help fight against tax evasion and protect the integrity of the tax system
1 Are you a tax resident of a country other than US and Pakistan? <HV 1R

2 Name of Country Common Reporting Standard (CRS) - Tax Residency Information

3
7KH&RPPRQ5HSRUWLQJ6WDQGDUG &56 LVDQLQIRUPDWLRQJDWKHULQJDQGUHSRUWLQJUHTXLUHPHQWIRUǓQDQFLDOLQVWLWXWLRQVLQSDUWLFLSDWLQJFRXQWULHVMXULVGLFWLRQVWRKHOSǓJKW
CRS TIN DJDLQVWWD[HYDVLRQDQGSURWHFWWKHLQWHJULW\RIWKHWD[V\VWHP

4 if No TIN is available enter Reason A,B or C

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Are you a tax resident of a country other than US and

5 1 1R
Citizen (C)
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<HV 1R Pakistan?

6 2
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Reason A
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3
7
&567,1

Tax Resident (PR)

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<HV 1R Reason B
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4
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8
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+ Add Record
Select Reason
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Reason C

Reason A 5 &LWL]HQ & <HV 1R

1R7,1171LVUHTXLUHG 1RWH2QO\VHOHFWWKLVUHDVRQLIWKHDXWKRULWLHVRIWKH
FRXQWU\RIWD[UHVLGHQFHHQWHUHGEHORZGRQRWUHTXLUHWKH7,1171WREH
The country where the Account Holder is liable to pay tax does not issue TIN/ NTNs to GLVFORVHG

its residents 6 3HUPDQHQW5HVLGHQW 35 <HV 1R

Reason B
The Account Holder is unable to obtain a TIN/ NTN or equivalent tax number (Please 7 7D[5HVLGHQW 35 <HV 1R

explain why you are unable to obtain a TIN/ NTN in the below table if you have selected
this reason)
Reason C 8
No TIN/ NTN is required. (Note: Only select this reason if the authorities of the country + Add8Record
of tax residence entered below do not require the TIN/NTN to be disclosed)

96
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FIELD REQUIREMENTS
1 Are you a tax resident of a country other than US and Pakistan? Yes/No

2 Select the name of the country ( In which customer is paying taxes)

3 CRS Tin Number ( Tax Identification Number)

4 If there is no TIN available kindly select reason from A,B,C

5 Citizen Yes/No – Is the customer a citizen of this country they are paying taxes in

6 Permanent Resident Yes/No – Of the country customer is paying taxes in

7 Tax Resident Yes/No

8 Add another record if needed

97
R

SCREEN 10
Process to upload documents:
1 The List of Documents applicable to
the customer will be visible
Upload your documents
2 The Upload Option is available in green Tips to upload your documents properly
Ensure you upload document in jpg. png or PDFIRUPDWDQGWKHǓOHVL]HGRHVQRWH[FHHG5MB

In case, a wrong file isuploaded, delete the file

by clicking on the trash can andupload again Note:$Q\RQHRIWKHIROORZLQJGRFXPHQWVVKRXOGVXǗFH

1 %XVLQHVV3URSULHWRU/HWWHU+HDGRUDQ\RWKHU3URRIRI6HOI(PSOR\PHQW HJ/DZ\HU'RFWRU&RQVXOWDQW
2 2
Ensure you upload documents in jpg, png, )UHHODQFHUV*URFHU\6WRUH0HGLFDO6WRUH/DERU:RUNHWF
8SORDG'RFXPHQW

or pdf format and you file size does not 3DUWQHUVKLS%XVLQHVV'HHG25 8SORDG'RFXPHQW

exeed 5MB 6HOIHPSOR\HGRUXQHPSOR\HGZRPHQVHOIGHFODUDWLRQ25 8SORDG'RFXPHQW

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98
 L

SCREEN 11
Customer Specimen Signature
1 Type in your Full Name
2 Upload Signature Photo

Customer will take a photo of their signature

and upload the image (Customer will sign on
a white paper and ensure signature is clear

Ensure you upload documents in jpg, png, or

pdf format and you file size does not exceed
2MB

99
R

Once the photo of your signature is uploaded you may adjust the photo and Save it.

Customer Specimen Signature

Tips to upload your documents properly
Edit yourEnsure
signature
you upload document in jpg. png or PDFIRUPDWDQGWKHǓOHVL]HGRHVQRWH[FHHG5MB

Rotate

Bank AL Habib Ltd - Speciman Signature Card

6\HG0XKDPPDG$QDV,TEDO 6\HG0XKDPPDG$QDV,TEDO
1DPH 1DPH
Upload Signature
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Signature Signature

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VLJQRQDZKLWHSDSHUDQGHQVXUH\RXUVLJQDWXUHLVFOHDU
,PDJH'LPHQVLRQVKRXOGEHS[ZLGWKDQGKHLJKW S[

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Signature Signature

0
Save

Back 1H[W

100
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Upon successful upload, and

adjustments - This is the screen the
customer will see

Incase, the photo is unclear,

or customer is not satisfied, the
customer can upload
again

Upon clicking NEXT the photo

will be uploaded

101
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Live Image Capturing

Incase a camera is not detected, customers
will see this screen
Live Image Capturing

They must then go to their browser settings In order to process your picture kindly follow the instructions

and allow camera access

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DQGFOLFNRQ5HORDG&DPHUDEXWWRQ

Reload Camera

Back 1H[W

102
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SCREEN 12 Live Image Capturing

Live Image Capturing In order to process your picture kindly follow the instructions

Customers need access to a WEB CAM

Step 1 – Click on &DSWXUH,PDJH &DSWXUH*XDUGLDQ,PDJH

1 Capture Image

Step 2 – Allow Camera access

Photo is taken
Now click on:

2 Upload Image &DSWXUH,PDJH &DSWXUH,PDJH

1 2
Back 6DYHDV'UDIW 1H[W

103
R

The customer needs toensure that he takes hisphoto under the following guidelines

Instructions for capturing your Image

Do’s Dont’s

104
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SCREEN 12
Review & Verify Details
Customers need access to a WEB CAM Review & Verify Details 'RZQORDG,QIRUPDWLRQ

1 The customer will review all the 1 Contact Information Edit 2 3

information he/she has filled in )XOO1DPH $FFRXQW7LWOH &1,&

6\HG0XKDPPDG$QDV,TEDO 

2 The EDIT option is available in case 0RELOH1XPEHU


0RWKHU0RGHUQ1DPH

Fatima Ali
the customer wants tocorrect/ update Email )DWKHUƦV1DPH

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any section
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3 DOWNLOAD the information for )XOO1DPH $FFRXQW7LWOH &1,&

record 6\HG0XKDPPDG$QDV,TEDO 

0RELOH1XPEHU 0RWKHU0RGHUQ1DPH

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Email )DWKHUƦV1DPH

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Employment Details Edit

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6\HG0XKDPPDG$QDV,TEDO 
0RELOH1XPEHU 0RWKHU0RGHUQ1DPH
 Fatima Ali
Email )DWKHUƦV1DPH
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105
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LAST SCREEN
Once the onboarding process is complete the
CONGRATULATIONS screen will appear
The reference number for any further queries will be given to the
customer
( The customer can contact the Call Center with their reference number to get an update
on their application status)

What Happens next – The Customer will be informed about

the next three steps:

Their application will be reviewed

Once review is successful the customer account number will

be shared with them via email
(The Customers CNIC number will be used to access the account number)

Please get your biometric verification done via the AL Habib

Biometric Verification App or by visiting any Bank AL Habib
branch after your digital account has been opened.
After 60 days your account will be debit blocked if biometric verification is not
processed in due time
106
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1HZ&XVWRPHU OR Resume Application OR Account Maintenance

Start application process 6WDUWIURPZKHUH\RXOHIWRǖ Update your record

Start application process 6WDUWIURPZKHUH\RXOHIWRǖ Update/Edit your record

107
R

Maintenance application process

If you wish to update your personal details in the 1
Select Account
Maintenance
Account Opening process, follow the given steps (QWHU\RXU,'QXPEHU
(QWHU(PDLO,'
1 Select Account Maintenance (QWHU0RELOH1XPEHU

Enter your ID number

Enter Email ID
9HULI\GHWDLOVUHFHLYHGE\
Enter Mobile Number 2
entering OTP

2 Verify details received by entering OTP

3 Update Relevant Field by clicking on

Address Update Relevant
3 Field by clicking on
Personal Details Address
Account Details 3HUVRQDO'HWDLOV

ID Document $FFRXQW'HWDLOV
,''RFXPHQW

5HVXPH$SSOLFDWLRQ1RZ

108
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Maintenance application process

1 Type in your Account Number 2 Enter Email ID 3 Select Mobile Network
4 Enter Mobile number in use and registered

Account Maintenance
1
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2 Email
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1HWZRUN 0RELOH1XPEHU
3 Ufone
4
03333333333

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109
R

Verify your details

The customer will need to enter a 6-digit
OTAC (One Time Authentication Code) that
will be shared with the customers on their
registered mobile number and email address.

In case the OTP is not received in time

the customer can click on the “Resend
OTP” option written in green

110
 L

Welcome Back!

Welcome Back! Customer Name Appears Here

5HIHUHQFH1XPEHU 0RELOH1XPEHU
 03333333333

I want to update my

Address Personal Details Account Details

111
R

Click on the EDIT option to update any field Personal Details

Edit
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1 B6 C
Change/Correction in name
CUSTOMER NAME
1 Edit

2
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2 Father/Husband Name 6<('08.+7$5$+0('5,=9,

Edit
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3 Mother’s Maiden Name 5$,6$08.+7$5

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4 Date of Birth 

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7 CNIC/SNIC Expiry 

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8 Residence/Office number 0

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9 Nationality 3$.,67$1

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10 Occupation/Profession (03/2<0(17

112
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Use the EDIT option to update any field

1 Change of Account Title 2 Zakat Exemption 3 Name (Next of Kin) 3 Relationship with next of Kin

Account Details
Edit
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2 Zakat Exemption <(6 12

Edit
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113
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Address Details Address Details

Address Type ⱖ ㅎĨ ಫ
Ĩ
1 Select Address Type
1 Select address type Permanent Address*
)/$712$80$53/$=$6(&725&1257+
2 3
Province ǎ 㽸
City ‫⸗ة‬ Ĩ ⚘
Ĩ

2 Select Province Select Province Select City .$5$&+,

Select City 4 +RXVH2ǗFH1R 䓖 ⪣

Ĩ ì㎛ Current Address*
3 )/$712$80$53/$=$6(&725&1257+.$5$&+,

ǔ ǔ Ǘ

4 Residence/Office number 5 Street/Lane/Avenue ǎ ҍⅈä

‫ٵ̲ٵ‬ǎ ǎͽäɮ ǎ
Professional Address*
...

5 Street/Lane/Avenue 6 Area/Town/Village ėá㈊Ⱳⴒ⥲

6 Area/Town/Village 7 Postal Code 䓖 ò

Ĩ 㰤 ⵇĨ ĕ
Ĩ äĒ

7 Postal Code 8 Reason

8 Reason 9 + Update Address

9 Update Address
6XEPLW

114
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Re-upload documents if required

1 Educational Document 2 CNIC Back 3 CNIC Front

Upload your Documents

Tips to upload your documents properly

Ensure you upload document in jpg. png or PDFIRUPDWDQGWKHǓOHVL]HGRHVQRWH[FHHG2MB

Note:$Q\RQHRIWKHIROORZLQJGRFXPHQWVVKRXOGVXǗFH

1 (GXFDWLRQDO'RFXPHQW 8SORDG'RFXPHQW

2 &1,&%DFN 8SORDG'RFXPHQW

3 &1,&)URQW 8SORDG'RFXPHQW

6XEPLW

115
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Congratulations
Your application for new account opening has been
submitted successfully.
What happens next

Your Application has been received

Your Application will go througn review process
Your information will be updated, and you will be
notified via email

116
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Cell Center Guidelines in

Digital Account Opening
Process

117
R

Guidelines for Managing Customer Queries

1. Bank AL Habib Call Center will attend customer query or complaints related to Digital Account
Opening on (+92 21) 111-014-014

2. Call Center staff will respond and guide customer as per product guide and close the call/
complaint on the spot.

3. If the call center staff require further guidance, call center staff will connect customer
with CPU Digital Desk.

CPU Digital Desk will provide required guidance. However, if query remain unresolved,
CPU Call Center will log the complaint to concerned Department.

118
 L

Management of Customer Query by CPU Digital Desk

1. If customer`s query is shared with CPU Digital Desk, customer will be redirected to a
CPU Digital Desk representative for further guidance

2. The concerned query must either be addressed immediately, and the CPU Digital Desk
representative should share turn around time (TAT) if issue will be resolved in due to
corrective action.

3. Customer Services Division will follow - up with concerned Department for resolution
of complaint.

119
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3 Important Guidelines for Managing Customer Queries

1. Inquire the customer problem thoroughly

2. Always ask for system generated reference number in case the process is not completed
by customer

3. Listen patiently and guide the customer based on their account opening requirements

120
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How to Manage Account Maintenance or Refer Back Inquiries

1. Call center staff may receive request by customer to explain reason of rejection/refer back.

2. Call center staff must provide valid reason of application rejection how the application can
be resubmitted.

121
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Thank You