Opening a bank account in Pakistan is simple — but only if you have the correct documents. Many applications get delayed because people visit the bank without complete paperwork.

Is guide mein aapko milega complete documents list in English + easy Roman Urdu, taake aap pehle se tayyar ho kar bank visit karein.

Banking regulations are supervised by:

State Bank of Pakistan

All commercial banks follow SBP’s KYC (Know Your Customer) rules.

🏦 Basic Documents Required for Bank Account in Pakistan

These documents are required in almost every bank such as:

Habib Bank Limited
United Bank Limited
MCB Bank
Meezan Bank

1️⃣ Original CNIC (Computerized National Identity Card)

You must bring:

• Original CNIC

• One photocopy

Your CNIC must be valid (not expired).

Roman Urdu:
Agar CNIC expire ho gaya ho to pehle renew karwa lein warna account open nahi hoga.

2️⃣ Mobile Number Registered on Your CNIC

Your SIM must be registered on your own CNIC.

Biometric verification is done through NADRA system.

Roman Urdu:
Jo number CNIC par registered ho wahi bank mein use karein.

3️⃣ Proof of Income (If Required)

Some banks may ask for:

• Salary slip

• Job letter

• Business proof

• Tax return (for business accounts)

For Asaan accounts, income proof is usually not required.

Roman Urdu:
Agar salary account open kar rahe hain to company ka letter helpful hota hai.

4️⃣ Initial Deposit Amount

Minimum deposit depends on account type.

• Savings account may require minimum balance

• Asaan account may have zero minimum balance

Roman Urdu:
Account open karne se pehle minimum balance rule zaroor confirm karein.

🎓 Documents Required for Students

If you are a student, you may need:

✔ Original CNIC or B-Form (if under 18)
✔ Student ID card
✔ Guardian CNIC copy (if minor)
✔ Mobile number

Roman Urdu:
Students ke liye Asaan account sab se easy hota hai.

🧾 Documents Required for Business Account

For sole proprietors or business owners:

✔ CNIC copy
✔ Business registration certificate
✔ NTN (if available)
✔ Proof of business address
✔ Tax documents (if applicable)

Roman Urdu:
Business account ke liye documentation thori zyada hoti hai compared to personal account.

🕌 Documents for Islamic Bank Account

Islamic banks like Meezan Bank require the same documents as conventional banks.

No extra documentation is required for Shariah-compliant accounts.

Roman Urdu:
Islamic ya conventional account ho, basic documents same hote hain.

💻 Documents Required for Online / Digital Account Opening

If you open a digital bank account through mobile app:

You may need:

✔ Clear photo of CNIC (front & back)
✔ Live selfie verification
✔ Mobile number verification
✔ Basic income information

Roman Urdu:
Digital account ghar baithe open ho jata hai lekin biometric verification kabhi kabhi branch mein required hoti hai.

⚠ Important Things to Remember

✔ CNIC must not be expired
✔ Signature must match CNIC
✔ Provide correct income information
✔ Never submit fake documents
✔ Keep photocopies ready

Roman Urdu Advice:
Galat information dene se account freeze bhi ho sakta hai, is liye sahi details dein.

❓ Frequently Asked Questions

Is proof of income mandatory?

Not always. For Asaan accounts, income proof is usually not required.

Can I open a bank account without CNIC?

No. CNIC is mandatory under State Bank regulations.

Is biometric verification compulsory?

Yes. Biometric verification is required for identity confirmation.

🎯 Final Summary

To open a bank account in Pakistan, the most important documents are:

Original CNIC
Mobile number registered on CNIC
Initial deposit
Income proof (if required)

Roman Urdu Conclusion:
“Bank jane se pehle documents ready rakhein — warna bar bar branch ke chakkar lagane padte hain.”