How to Open a Bank Account in Pakistan Without Any Deposit – 2025 Guide

 

How to Open a Bank Account in Pakistan Without Any Deposit – 2025 Guide

Do you want to open a bank account but don't have any money to deposit right now? Good news! In 2025, many banks in Pakistan offer free bank accounts with zero initial deposit. That means no minimum balance, no hidden charges, and full access to ATM cards, internet banking, and mobile apps.

In this guide by Ali Cash Services, we’ll show you:

• Which banks offer free accounts
• How to apply online or offline
• What documents are required
• How to use your account without paying extra fees

---

Benefits of Zero Deposit Accounts

🔍 Feature	🟢 Available
No opening deposit	✔️
Free ATM card	✔️
Internet banking access	✔️
Mobile app access	✔️
No monthly charges	✔️

---

Best Banks Offering Zero Deposit Accounts in 2025

1. HBL Asaan Account

• No initial deposit required
• CNIC-based opening
• Daily limit: Rs. 50,000
• Free ATM card

Apply: Visit nearest HBL branch or apply via HBL Konnect agent

---

2. UBL Asaan Digital Account

• Online account opening
• No deposit needed
• Available for all network users
• Works with JazzCash & Easypaisa

Apply at: https://www.ubldigital.com

---

3. Meezan Asaan Account (Shariah-Compliant)

• Islamic account with no deposit
• CNIC & mobile number required
• Free SMS alerts

➡️ Visit nearest Meezan Bank branch

---

4. Mobilink Microfinance Bank

• Open account via JazzCash App
• No documents or fees
• Full banking with JazzCash wallet

➡️ Already included with JazzCash registration

---

5. Easypaisa Mobile Wallet (Telenor Bank)

• No deposit needed
• Use app for transactions, bill payments
• Can apply for ATM card

➡️ Sign up directly via Easypaisa App

---

Required Documents

To open any of these accounts, you’ll usually need:

• ✅ CNIC copy (front + back)
• ✅ Mobile number
• ✅ Proof of address (some banks)
• ✅ 1 passport-size photo (if applying at branch)

---

How to Apply (Online or Offline)

Apply Online

• Go to official website of UBL, HBL, or Meezan
• Fill form and upload CNIC
• Submit selfie for verification
• Wait for SMS confirmation

Apply Offline

• Visit nearest bank branch or agent
• Fill physical form
• Show CNIC and submit photo
• Receive ATM card by post or from branch

---

Download Free Account Opening Form & Guide

Want a printable form & full instructions?

📥 Download From:

• MediaFire: 📎 Click to Download
• Up-4ever: 📎 Click to Download

---

Important Notes

• Use correct and active mobile number
• Some accounts have monthly transaction limits
• Always keep a screenshot or receipt of your form or SMS confirmation

---

Final Words from Ali Cash Services

If you don’t have a bank account yet, 2025 is the best time to open one — especially if you’re a student, freelancer, or small business owner.

💳 It’s free, easy, and gives you access to all digital payments in Pakistan. Need help opening your account? Contact Ali Cash Services today — we’ll guide you step by step!