Soneri Digital Onboarding

1. Open your Soneri Digital Account today!
2. Open your Soneri Asaan Digital Account with a click of button.

Easy & hassle-free Account Opening, from the comfort of your home

Features

1. Account Type: Current / Saving
2. Currency: PKR
3. Nationality: Resident Pakistani
4. Monthly Average Balance: Nil
5. Minimum balance Charges: Nil
6. Transaction Limit: Unlimited
7. Maximum credit balance limit of PKR 3,000,000/-
8. Cash withdrawal limit of PKR 500,000 per day
9. Fund transfer limit of PKR 500,000 per day from ADRA to any other account
10. This account may also be fed through local credit to the extent of PKR 1,000,000 per month
11. No commercial remittances shall be deposited in the account

Facilities

1. Soneri Debit Standard Paypak or Master Card
2. Cheque book
3. Banker’s cheque /Security Deposit issuance
4. Free Digital Banking
5. Free E-statement and Duplicate statement of account
6. SMS alerts

Features

1. Account Type: Current / Saving
2. Currency: PKR, USD, GBP, EUR
3. Nationality: Resident Pakistani
4. Monthly Average Balance: Nil
5. Minimum balance Charges: Nil
6. Transaction Limit: Unlimited
7. Monthly Credit Balance Limit: USD 5,000/- per month or equivalent in other currencies
8. Monthly Debit Balance Limit: USD 5,000/- per month or equivalent in other currencies
9. Cash withdrawal limit of PKR 500,000/- or equivalent per day;

Facilities

1. Soneri Debit Standard Paypak or Master Card
2. Cheque book
3. Banker’s cheque /Security Deposit issuance
4. Free Digital Banking
5. Free E-statement and Duplicate statement of account
6. SMS alerts

Soneri Current Account fulfills everyday banking needs with no restriction on number of transactions. It also provides complete peace of mind with the free Worldwide Accidental Insurance and ATM Withdrawal Coverage.

Features

1. Account Type: Current
2. Initial Deposit: 1,000/-
3. Monthly Average Balance:
4. 5000/- (Rs.50/- inclusive of FED will be deducted if monthly average
5. balance is less than Rs.5000/-)
6. Transactions: Unlimited

Facilities

1. PayPak Debit Card
2. Soneri Digital (Mobile and Internet Banking)
3. Cheque books
4. Duplicate statement of account
5. Banker’s cheques issuance
6. ATM cash withdrawal insurance coverage – Soneri Tahaffuz*
7. Branch online banking
8. Worldwide accidental and disability insurance coverage*
9. e-Statements
10. SMS Alerts Service (charged as per the prevailing SOC)

Target Market:

• Salaried Individuals
• Self-employed
• Household
• Sole Proprietors
• Partnerships
• Trust, Clubs & Societies
• Commercial & Corporate Entities

Note:

1. *PayPak Debit Card is the first option. However, as a second choice Master Debit Card can also be issued
   1. against charges as per the bank’s prevailing SOC.
2. *Terms & Conditions apply

Worldwide Accidental Coverage

In case of accidental death of the principle account holder, insurance coverage shall cover the death as per the details given below:

1. Applicable on new and old individual/Joint accounts. (Primary Applicant is entitled in case of a joint account)
2. Claims payable as per the Terms & Conditions applied by Jubilee Insurance
3. Maximum claim payable on Accidental Death – Rs. 1 Million
4. Age bracket between 18 to 65 years

PLS Savings Account is a simple deposit account offering great convenience and the complete range of ADC services is offered with this account.

Features

1. Account Type: Savings
2. Deposit Category: PLS Savings Account
3. Initial Deposit: RS.100/-
4. Minimum Balance: No Requirement
5. Transactions: Unlimited
6. Profit Calculation: On average monthly balance
7. Profit Payment: Semi-annually

*Rates and Charges are subjected to change on management decision/ updated SOC.

Facilities

1. Free Internet banking
2. Mobile banking & e-statements
3. SMS Alert Service
4. Online Banking
5. Personalized cheque book
6. Soneri Debit Card Statement of Account on six Month Basis

Profit Calculation

*Profit Rate Mentioned is for calculation purpose only, use prevailing rate sheet for the product profit rates.

Note:

Withholding tax on the profit amount and Zakat is applicable as per existing policy of government.

Soneri Mustaqeem – Bachat account is kind of remunerative account offered to Customers with small savings and looking for a Halal return on their deposits. It is based on the concept of Mudarabah where The depositor acts as an Investor (Rab-ul-Maal) and bank acts as the Manager (Mudarib) of the funds deposited by the customers. It also offers wide range of services to cater the banking needs.

Features

1. Account Type: Savings
2. Initial Deposit: Rs.100
3. Minimum Balance: No requirement
4. Transactions: Unlimited
5. Profit Calculation: Daily product
6. Profit Payment: Monthly

Facilities

1. No limit for minimum or maximum withdrawal amount within the available balance
2. Nationwide Cash Deposit & Withdrawal facilities
3. Personalized Cheque Book
4. SMS Alert Service
5. Mobile Banking
6. Debit Card
7. Phone Banking
8. Online Banking

Target Market

• Sole Proprietors
• SEs & MEs
• Corporate & Commercial Entities
• Trusts, Clubs & Societies

Profit Calculation

* Profit Rate Mentioned is for calculation purpose only, use prevailing rate sheet for the product profit rates.

Note:

1. In Soneri Bachat Account, Profit is calculated on daily product basis and credited in account on monthly basis.
2. Withholding tax on the profit amount and Zakat is applicable as per existing policy of government.

The relationship between the Bank and the Customers holding the JARI Account (current account) is based on the Islamic principle of Qard and no profit or loss shall be pay on the balances in the said accounts.

Features

1. Account Type: Current
2. Initial Deposit: Rs. 100
3. Monthly Average Balance: Not Required – No Minimum Balance requirement
4. Transactions: Unlimited

Facilities

1. No limit for minimum or maximum balance.
2. No limit for minimum or maximum withdrawal amount within the available balance.
3. Funds utilized by the bank in accordance with Shariah principles under the supervision of a proficient Shariah Board.
4. Personal Financial Consultancy Services for Islamic Banking Products.
5. Personalized Cheque book facility with no restriction on number of transactions.
6. Banker’s Cheque and demand drafts payable country-wide.
7. Soneri Debit Card.
8. Country-wide Online Banking service.
9. Free e-statement Service
10. SMS Alerts Service

Key Fact Statement

Key Fact Statement (Mustaqeem)