Start Young. Save Smart.

The Khushhali Aaghaz Saving Account is designed for teenagers aged 13 to 18, giving you the freedom to start saving, manage your money, and make your own financial choices while building smart money habits for the future — with no initial deposit and no minimum balance requirement.

Key Features

• Initial Deposit: 0/-
• Minimum Balance: No minimum balance required
• Maximum Balance: Unlimited
• Profit Rate: 11%
• Transactions: Unlimited monthly amount and number of transactions
• Minimum Balance Fee: Nil

Eligibility

• Pakistani Nationals (Resident) only
• Age: 13 to 18 years

Account Services

• Debit Card
• Internet Banking
• Mobile Banking
• SMS Alerts
• Account Statements (Printed / Electronic / On-Demand)

Account Opening & Operating Requirements

• Biometric or alternate NADRA-based ID verification for the teenager
• Parent/Guardian CDD
• Parent/Guardian indemnity accepting full legal responsibility
• Source of funds declaration
• Name screening, customer risk profiling and transaction monitoring as applicable under SBP AML/CFT/CPF regulations

Charges & Fees

• No account opening charges
• No account closure charges
• No maintenance charges
• No dormancy charges
• Debit card issuance is free
• Other charges apply as per the Schedule of Charges (SOC)

Terms & Conditions

*Terms and conditions apply.