Last updated: June 23, 2026 · Savings accounts compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best savings account in Pakistan in 2026? We compared 15 savings accounts from top banks in Pakistan to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by State Bank of Pakistan (SBP).
Quick Comparison: All 15 Savings accounts in Pakistan
Side-by-side comparison of every savings account option in Pakistan as of June 23, 2026. Tap any name for full details.
| Savings account | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. ALLIED ASAAN ACCOUNT | Allied bank Pakisatn | — | Internet Banking | View → |
| 2. ALLIED BASIC BANKING ACCOUNT | Allied bank Pakisatn | — | Internet Banking | View → |
| 3. ALLIED BUSINESS ACCOUNT | Allied bank Pakisatn | — | ATM, Internet Banking, Free Cheque Books | View → |
| 4. Allied CURRENT ACCOUNT | Allied bank Pakisatn | — | Internet Banking | View → |
| 5. ALLIED EASY CURRENT ACCOUNT | Allied bank Pakisatn | — | ATM, Internet Banking | View → |
| 6. ALLIED EXPRESS ACCOUNT | Allied bank Pakisatn | — | ATM, Internet Banking | View → |
| 7. ALLIED KHANUM ACCOUNT | Allied bank Pakisatn | — | Internet Banking | View → |
| 8. Allied PLATINUM PROFIT ACCOUNT | Allied bank Pakisatn | — | ATM, Internet Banking | View → |
| 9. ALLIED SENIOR CITIZEN ACCOUNT | Allied bank Pakisatn | — | ATM, Internet Banking | View → |
| 10. ALLIED YOUTH ASAAN ACCOUNT | Allied bank Pakisatn | — | ATM, Internet Banking | View → |
| 11. PLS SAVINGS ACCOUNT | Allied bank Pakisatn | — | ATM, Internet Banking | View → |
| 12. Asan Digital Remitance Account | Askari Bank Limited | — | ATM, Internet Banking, Free Cheque Books, Free Debit… | View → |
| 13. Askari Asaan Digital Account | Askari Bank Limited | — | ATM, Internet Banking, Free Cheque Books, Free Debit… | View → |
| 14. Askari Maximiser Account | Askari Bank Limited | — | ATM, Internet Banking, Free Cheque Books, Free Debit… | View → |
| 15. Askari Sahar Current Account | Askari Bank Limited | — | ATM, Internet Banking, Free Cheque Books, Free Debit… | View → |
Top 15 Savings Accounts in Pakistan (2026)
1. ALLIED ASAAN ACCOUNT
Bank: Allied bank Pakisatn
- Benefits: Internet Banking
Allied Assan Account is tailored to cater to the banking needs of unbanked/common people of society with simplified account opening requirements/ procedures. Customers can open current or saving accou
2. ALLIED BASIC BANKING ACCOUNT
Bank: Allied bank Pakisatn
- Benefits: Internet Banking
Allied basic bank account is suitable for customers looking to avoid minimum balance requirements and operate a simple bank account for limited set of transactions.
3. ALLIED BUSINESS ACCOUNT
Bank: Allied bank Pakisatn
- Benefits: ATM, Internet Banking, Free Cheque Books
With Allied Business Account, the Bank offers ease, flexibility, and a whole range of free benefits specifically tailored to match all needs of business class customers for their growing businesses.
4. Allied CURRENT ACCOUNT
Bank: Allied bank Pakisatn
- Benefits: Internet Banking
Allied Current Account offers exclusive features to various customer segments who require banking with ease & comfort. ABL Current bank account offers complimentary banking services by maintaining cer
5. ALLIED EASY CURRENT ACCOUNT
Bank: Allied bank Pakisatn
- Benefits: ATM, Internet Banking
Allied current account is designed to meet the banking needs of each individual, requiring no service charges on minimum balance requirement. Allied easy current account is suitable for customers look
6. ALLIED EXPRESS ACCOUNT
Bank: Allied bank Pakisatn
- Benefits: ATM, Internet Banking
With the Allied Express account, you can now receive foreign remittances without any hassle or worries.
7. ALLIED KHANUM ACCOUNT
Bank: Allied bank Pakisatn
- Benefits: Internet Banking
Allied Khanum Account brings economic empowerment and opportunities for women by providing a safe environment for savings, investments, and establishing businesses with growth and development.
8. Allied PLATINUM PROFIT ACCOUNT
Bank: Allied bank Pakisatn
- Benefits: ATM, Internet Banking
If you have higher balances to maintain and wish to earn higher profit rates with full access to your funds, Platinum Rewarding Profit Account is best suited to your needs.
9. ALLIED SENIOR CITIZEN ACCOUNT
Bank: Allied bank Pakisatn
- Benefits: ATM, Internet Banking
ABL presents Allied Senior Citizen Account, specially designed for senior citizens, with an objective to provide a unique and most suitable Banking Product to citizens aged 55 or above.
10. ALLIED YOUTH ASAAN ACCOUNT
Bank: Allied bank Pakisatn
- Benefits: ATM, Internet Banking
Allied Youth Asaan account is the best bank account for students in Pakistan designed to cater the Banking requirements of youth segment.
11. PLS SAVINGS ACCOUNT
Bank: Allied bank Pakisatn
- Benefits: ATM, Internet Banking
With Profit & Loss Sharing (PLS) – Saving Account, you get all the checking account features with a steady profit rate to grow your savings.
12. Asan Digital Remitance Account
Bank: Askari Bank Limited
- Benefits: ATM, Internet Banking, Free Cheque Books, Free Debit Cards
Pakistani Resident Individuals (current account) can now receive remittances from their families and friends living abroad, directly in a bank account without the hassle of visiting the branch with As
13. Askari Asaan Digital Account
Bank: Askari Bank Limited
- Benefits: ATM, Internet Banking, Free Cheque Books, Free Debit Cards
With Askari Asaan Digital Account (is a current account), access to banking services is now even more easy for unbanked / under-banked customer segments. This account is most suited for but not limite
14. Askari Maximiser Account
Bank: Askari Bank Limited
- Benefits: ATM, Internet Banking, Free Cheque Books, Free Debit Cards
Askari Maximiser Account has been designed to fulfill your basic banking needs and provide lucrative profit on your savings.
15. Askari Sahar Current Account
Bank: Askari Bank Limited
- Benefits: ATM, Internet Banking, Free Cheque Books, Free Debit Cards
Experience the convenience of anytime, anywhere-banking, with Askari Sahar Current Account. Do routine transactions such as Cash Withdrawal, Fund Transfers, IBFT, Bill payments, Term Deposit Bookings
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APY, not just headline interest. A 5% rate compounded monthly yields more than 5.1% compounded annually. Look for daily compounding for maximum return.
- Check the deposit insurance coverage. Most countries insure deposits up to a limit (varies). Spread funds across multiple banks if you have more than the insured limit.
- Watch out for promo rates that expire. Banks offer 6% for the first 3 months then drop to 1%. Set a reminder to move funds when the promo ends.
- Tiered rates can mislead. Some accounts pay high interest only on balances above a threshold (e.g. only on the portion above $10,000). Read the structure carefully.
- Minimum balance penalties are real. Drop below $500 and you may lose all interest for that month — or pay a maintenance fee that eats months of earnings.
- Online banks pay more than branches. No-branch banks have lower overheads and pass it on as higher rates — often 5-10x what big-bank savings accounts pay.
- Tax matters. Interest income is taxable in most countries. Use tax-advantaged accounts (e.g. ISA in UK, IRA in US, EPF/PRA in Pakistan) where available.
Common Mistakes to Avoid
The five most expensive errors people make with savings accounts:
- Putting all savings in one big bank. Big-brand banks pay 0.5% while online banks pay 4-5%. The convenience costs you thousands per year.
- Ignoring inflation. If inflation is 8% and your savings earn 4%, you're losing 4% per year in real terms. Match savings rate to inflation, or it's not really saving.
- Locking everything in fixed deposits. Keep 3-6 months expenses liquid in a high-yield savings account; only lock what you definitely won't need for 1-5 years.
- Forgetting to renew on maturity. Mature FDs often roll over at the LOWEST current rate — sometimes a third of the original. Set a calendar reminder for every maturity date.
- Withdrawing early without checking penalty. Breaking a 1-year FD in month 11 can wipe out 12 months of interest. Match the term to your actual lock-in tolerance.
How to Choose the Right Savings account in Pakistan
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — all products listed are from banks regulated by State Bank of Pakistan (SBP)
Frequently Asked Questions: Savings accounts in Pakistan
What is the best savings account in Pakistan for 2026?
The best savings account depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare all 15 options on this page.
What credit score do I need for a savings account in Pakistan?
Most banks in Pakistan require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
Can I apply online for a savings account in Pakistan?
Yes, most major banks in Pakistan now offer fully online applications. Tap "View" on any savings account above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these savings accounts regulated and safe?
Yes — all 15 options listed are from banks regulated by State Bank of Pakistan (SBP). Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Pakistan?
Fees vary by tier and bank: classic cards typically PKR 0–1,500/year, gold PKR 1,500–3,000, platinum PKR 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
Can I get a savings account if I am self-employed in Pakistan?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees (typically PKR 500–2,000), a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Pakistan
- All banks in Pakistan
- Bank branches across Pakistan
- Credit Cards In Pakistan 2026
- Personal Loans In Pakistan 2026
- Savings Accounts In Pakistan 2026
- Pakistan EMI calculator
- Pakistan savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
Sign in with Google to join
