Key Fact Statement for Conven�onal Digital Deposit Products (effec�ve 01 February 2025)

Important: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare Dated:
different accounts offered by other banks. You have the right to receive KFS from other banks for comparison.

Account Types & Salient Features : This information is accurate as of the date above. Services, fees and mark up rates may change on half yearly basis. For updated fees/charges, you may visit our
Branch website or visit our branches.
Current Saving

Particulars Current Asaan Digital Account Asaan Digital Remittance Freelancer Account
Retention Account
(Non Chequing Current) Asaan Digital Account Asaan Digital Remittance Freelancer Account
Ladies First PLS Savings
(ADA) Account (ADRA) Current (ESFCA) (ADA) Account (ADRA) Saving

Currency P KR PKR USD/GBP/EUR PKR PKR PKR

Minimum Balance for To open Rs. 1,000/- R s . 1 ,0 0 0 / - R s .1 0 0 / -

Account To keep Rs. 5,000/- on monthly Rs. 0/- 0 Rs. 0 / - R s .0 / - Rs. 0/-
average
Account Maintenance Fee Rs. 50/- inclusive of FED Rs. 0 / - R s .0 / -
Is Profit Paid on account (Subject to the applicable tax rate) Yes

Indicative Profit Rate 10.50%

N/A
Profit Payment Frequency Half Yearly

Example (Rs.1000, you can earn Rs. on given periodicity) 102.33 Rs. 52.5/-

Service Charges: This is a list of the main service charges for this account. It does not include all charges. You can find a full list of updated charges on our website www.soneribank.com or from
Services Modes
branches. Please note that all bank charges are exclusive of applicable taxes.
Rs. 0/- Rs. 0/-
Intercity Rs. 0/-
Rs. 0/-
N/A Rs. 0 / - Rs. 0 / - Rs. 0/-
Cash Rs. 0/- Rs. 0/- N/A Rs. 0 / - Rs. 0 / - Rs. 0/-
Intra-city
Transaction Rs. 0/- N/A Rs. 0 / - Rs. 0 / - Rs. 0/-
Own ATM withdrawal
Other Bank ATM Rs. 35/- per transaction (inclusive of FED) Rs. 35/- per transaction
N/A (inclusive of FED) Rs. 35/- per transaction (inclusive of FED)

ADC/Digital /Clearing Rs. 0/- N/A Rs. 0/- Rs. 0/-

Individuals Personal Accounts PKR Rs.225/-

Individuals Personal Accounts PKR Rs.225/- per month per month All business & entities account Individuals Personal Accounts PKR Rs.225/- per month
SMS Alerts For other transactions All business & entities account including including Sole- Proprietorship
Rs. 350/- per month All business & entities account including Sole-
Sole- Proprietorship Rs. 350/- per month
Proprietorship Rs. 350/- per month

1st Year Annual Fee Standard Rs. 3,000/- Standard Rs. 3,000/- Standard USD 9 Standard Rs. 3,000/- Standard Rs. 3,000/-
Mastercard
Subsequent Year’s Gold Rs. 4,200/- Gold Rs. 4,200/- Gold Rs. 4,200/- Gold Rs. 4,200/-
Annual Fee Gold USD 12

Primary Primary Rs. 7,500/- Primary Rs. 7,500/- Primary Rs. 7,500/- Primary Rs. 7,500/-
Mastercard Platinum
Supplementary Supplementary Rs. 5,000/- Supplementary Rs. 5,000/- Supplementary Rs. 5,000/- Supplementary Rs. 5,000/-
Free on
maintaining
monthly average
balance of Rs.
1st Year Annual Fee 25,000/-, if
average balance is
not maintained,
Debit Cards charges of Rs.
2,000/- will be
PayPak applicable
PayPak Rs. 2,200/- N/A Rs. 2200/- PayPak Rs. 2,200/-
Free on
maintaining
annual average
Subsequent Year's balance of Rs.
25,000/-, if
Annual Fee average balance is
not maintained,
charges of Rs.
2,000/- will be
applicable

Issuance First cheque book free-(10 leaves)

Subsequent cheque books-free Rs.0/- first of 25 leaves
upon maintaining Rs. 25,000/- Rs. 30/- per leaf equivalent in other currencies N/A Rs. 30/- per leaf equivalent in other currencies
Cheque Book monthly average balance
otherwise 30/- per Leaf

Minimum Rs. 700/- per cheque Minimum Rs. 700/- per cheque
Stop payment Maximum Rs. 1,500/- per instruction (in case of multiple cheques) N/A Maximum Rs. 1,500/- per instruction (in case of multiple cheques)

On maintaining Rs.
25,000/- monthly
Remittance (Local) Banker Cheque / Pay Order Issuance average balance: Bankers Cheque Rs. 450/- per instrument Security Deposit Receipt Free N/A Rs.0/- up to 2 per month Bankers Cheque Rs. 450/- per instrument Security Deposit Receipt Free
otherwise Rs.450/- Flat
Current
free per Three free
month per month
Current Saving

Services Modes Asaan Digital Account Asaan Digital Remittance Freelancer Account Retention Account PLS Savings/ Asaan Digital Account Asaan Digital Remittance Freelancer Account
Ikhtiar and Current (Non Chequing Current) Ladies First
(ADA) Account (ADRA) Current Pensioners (ADA) Account (ADRA) Saving
(ESFCA)

US$ 20�- or equivalent US$ 20�- or equivalent

Foreign Demand Draft US$ 20�- or equivalent plus SWIFT charges plus SWIFT charges
plus SWIFT charges
Remittance
N/A N/A
(Foreign)
US$ 37�- or equivalent US$ 37�- or equivalent
Wire Transfer FTT - US$ 37�- or equivalent plus Swift charges plus SWIFT charges
plus SWIFT charges

Service charges against issuance of

0.10% or minimum 1000�- 0.10% or minimum 1000�- 0.10% or minimum 1000�-
FTT�FDD against Rupee account
Annual/Half yearly Rs. 0/- Rs. 0/-
Rs. 35�- or equivalent in other currencies
Rs. 35/- or equivalent in other currencies (inclusive of FED) per 6 months (inclusive of FED) per 6 months
Statement of Duplicate
Additional Rs. 35/- or equivalent in other currencies will be charged for each 6 months Additional Rs. 35�- or equivalent in other
Account currencies will be charged for each 6 months

E-Statement N/A Free

ADC/Digital Channels Rs. 0/- Rs. 0/- Rs. 0/-

Funds Transfer
Rs. 0/- up to 25,000/- per month Above Rs. 25,000/- 0.1% or Rs. 200/- Rs. 0/- up to 25,000/- per month Above Rs. 25,000/- 0.1% or Rs. 200/-
IBFT per transaction whichever is less (inclusive of FED) per transaction whichever is less (inclusive of FED)

Digital Banking Phone/Mobile/Internet Banking Free Rs. 0/- Rs. 0/- Free
subscription (one- time & annual)
Normal Rs. 0/- N/A Rs. 0/- Rs. 0/-

Clearing
(Outward) Intercity Rs. 300/- per instrument N/A Rs. 300/- per instrument Rs. 300/- per instrument

Same Day Rs. 500/- per instrument N/A Rs. 500/- per instrument Rs. 500/- per instrument
Rs. 300/- whatever minimum Rs. 300/- or whatever minimum balance is Rs. 300/- or whatever minimum Rs. 300/- or whatever minimum balance is
balance is available (Banker’s balance is available (Banker’s
Closure of cheque issuance charges will available (Banker’s Cheque issuance charges will Cheque issuance charges will available (Banker’s Cheque issuance charges will
Customer request be additional if issued for be additional if issued for the remaining balance of the account) N/A be additional if issued for the Rs. 0/- be additional if issued for the remaining balance of the account)
Account the remaining balance of the remaining balance of the account)
US$ 3/- or equivalent in other currencies US$ 3/- or equivalent in other US$ 3/- or equivalent in other currencies
account) currencies

You Must Know

Requirements to open an account: To open the account you will need to satisfy some identification Unclaimed Deposits: In terms of Section 31 of Banking Companies Ordinance, 1962, all deposits which have not
requirements as per the regulatory instructions and Bank’s internal policies. These may include providing been operated during the period of last ten years, except deposits in the name of a minor or a Government or a
documents and information to verify your identity. Such information may be required on a periodic basis. court of law, are surrendered to State Bank of Pakistan (SBP) by the relevant banks, after meeting the conditions
Please ask us for more details. as per provisions of law. The surrendered deposits can be claimed through the respective banks. For further
Cheque Bounce: Dishonouring of cheques is subject to a criminal trial in Pakistan, as per section 489-F Pakistan information, please contact your parent branch.
Penal Code. Accordingly, you should be writing cheques with utmost prudence. Closing this account: In order to close your account submit a signed request for closure with unused cheque book
Safe Custody: Safe custody of access tools to your account like Debit cards, PINs, Cheques, e-banking leaves and debit card (if any) at your parent branch.
usernames, passwords; other personal information, etc. is your responsibility. Bank cannot be held Minor Accounts: After attaining the age of majority i.e. 18 years, the former minor will have to open a new account after completing the necessary
responsible in case of a security lapse at the customer’s end. Soneri Bank does not initiate calls to acquire any documentation and CDD, and the Bank shall have the right to place a debit block on the account, till the new account is opened, to get the funds transferred
information. into the new account.
Record Updation: Always keep profiles/records updated with the bank to avoid missing any significant How can you get assistance or make a complaint?
communication. You can contact parent branch to update your information. Contact Information: Soneri Bank Limited. Complaint Management Unit, Customer Experience Department, 1st
What happens if you do not use this account for a long period? If your account remains inoperative for 12 months (i.e. no debit or credit transaction Floor, Al-Rahim Tower, I.I. Chundrigar Road, Karachi.
or login through digital channels), it will be treated as dormant. If your account becomes dormant, no debit transactions/withdrawal shall be allowed Tel: 021 111-567-890 Ext: 2962 & 2548
to you. To reactivate your account, you must submit duly filled and signed request to the bank through mediums/channels registered in bank’s Contact Centre: 021-111- SONERI (766374)
record and completion of all the applicable bank’s requirements. In case of pension account, if you fail to provide biometric verification or life Email: [email protected]
certificate, after every six months or do not draw pension payments for consecutive six months, your pension account will become dormant. In case Website: www.soneribank.com
of family pensioner (widow/daughter/sister), if you fail to submit a non-marriage declaration on or before 30th September of each year, your account If you are not satisfied with our response, you may contact:
will become dormant. Karachi Secretariat. Banking Mohtasib Pakistan Secretariat, 5th Floor, Shaheen Complex, M. R. Kiyani Road,
Karachi.
Telephone: +9221 - 99217334
Facsimile: +9221 - 99217375
Email: [email protected]

I ACKNOWLEDGE RECEIVING AND UNDERSTANDING THIS KEY FACT STATEMENT

Customer’s Name: Date:

Product Chosen:

Mandate of Account:

Address:

Contact No.: Mobile No: Email Address:

Customer’s Signature Signature Verified:

 ‫)‪�01‬ورى‪��2025‬ٴ�(‬

‫‪10.50%‬‬

‫‪52.5/-‬‬

‫‪35‬‬
‫‪35‬‬ ‫‪35‬‬

‫‪225/-‬‬ ‫‪225/-‬‬

‫‪350/-‬‬ ‫‪350/-‬‬
‫�‬
‫‪3000/-‬‬ ‫‪3000/-‬‬ ‫‪3,000/-‬‬ ‫‪3,000/-‬‬ ‫� �ل � ��� ��‬
‫�‬
‫‪4200/-‬‬ ‫‪4200/-‬‬ ‫‪4,200/-‬‬ ‫‪4,200/-‬‬ ‫آ�ہ ��ں � ��� ��‬

‫‪7500/-‬‬ ‫‪7500/-‬‬ ‫‪7500/-‬‬ ‫‪7,500/-‬‬

‫‪25000‬‬
‫�‬
‫� �ل � ��� ��‬
‫‪2000‬‬

‫‪2200/-‬‬ ‫‪2200/-‬‬ ‫‪2200/-‬‬

‫�‬
‫‪25000‬‬

‫آ�ہ ��ں � ��� ��‬

‫‪2000‬‬

‫‪30‬‬ ‫‪30‬‬ ‫‪30‬‬ ‫‪25,000‬‬

‫‪700‬‬ ‫‪700‬‬
‫‪1,500‬‬ ‫‪1,500‬‬

‫‪25,000‬‬

‫‪450/-‬‬ ‫‪450/-‬‬
‫� ��‬
‫‪450‬‬

‫��‬‫��‬
‫���‬

‫‪20/-‬‬
‫‪20/-‬‬ ‫‪20/-‬‬

‫‪37/-‬‬ ‫‪37/-‬‬ ‫‪37/-‬‬

‫‪1,000/-‬‬ ‫‪1,000/-‬‬

‫�‬
‫‪-/35‬رو� �‬
‫د�� �‬
‫���ں � �وى)�ل‪(FED‬‬

‫‪ 300‬رو� �‬ ‫�‬
‫‪ 300‬رو� � ا�و�‬ ‫‪ 300‬رو� � ا�و�‬ ‫���) آؤٹ ورڈ(‬ ‫�‬
‫ا�و�‬
‫‪ 500‬رو� �‬
‫‪ 500‬رو� � ا�و�‬ ‫‪ 500‬رو� � ا�و�‬
‫ا�و�‬

‫)‪021-111- SONERI (766374‬‬

‫‪[email protected]‬‬