Learn everything about banking including savings accounts, loans, credit cards, online banking, and how to make the most of your money with the right bank.
When the State Bank of Pakistan launched the Roshan Digital Account in September 2020, the goal was straightforward: give the approximately 9 million Pakistanis living abroad a proper, regulated, fully digital way to bank, invest, and send money home without ever visiting a branch in Pakistan. Before RDA, an overseas Pakistani who wanted a Pakistani … Read more
A freelance web developer I know in Karachi ran his entire business through his personal savings account for over two years. He sent invoices with his personal account IBAN, received international payments into his personal account, paid his subcontractors from the same account, and kept a rough mental note of what was business money and … Read more
Every year around Ramadan, the same conversations happen in Pakistani households. Someone checks their bank statement and notices their balance went down by 2.5 percent on the first of Ramadan. Someone else did not notice at all until they were trying to pay a bill. A third person submitted a form they thought would protect … Read more
A relative of mine was turned down for a car loan two years ago. The bank officer told him his credit profile was not clean but refused to elaborate much beyond that. He had a good salary, no recent debt, and genuinely believed his financial history was fine. He had no idea that a credit … Read more
Banking apps in Pakistan have transformed from a convenience into a genuine replacement for the branch visit for the vast majority of everyday banking needs. Digital transactions in Pakistan surged by 45% since 2025, largely driven by the freelance and gig economy alongside increasingly sophisticated banking apps from both traditional commercial banks and new digital-first … Read more
Mobile wallets in Pakistan have gone from a novelty to a necessity in a remarkably short period. A decade ago, sending money to a relative in another city meant either finding someone traveling that direction or standing in a bank queue. Today, the same transfer takes thirty seconds from your phone. Paying electricity bills, topping … Read more
A home loan in Pakistan is one of the most significant financial commitments most people will ever make, and yet it is one of the least understood. Most Pakistanis spend months researching which property to buy and considerably less time understanding how the financing behind that property actually works, what it truly costs over a … Read more
A cousin of mine went to book a Suzuki Cultus on installments in 2023, right when interest rates in Pakistan were at their historic peak. His monthly installment came out so high that he walked away from the booking entirely. Two years later in 2025, he tried again. The car’s price had gone up, but … Read more
A colleague of mine lost his job during a difficult economic period a few years ago. He had been earning a comfortable salary, living a reasonable lifestyle, and had never felt the need to think too hard about savings because his income always covered his expenses. When the job loss happened, he had less than … Read more
A friend of mine once noticed his bank account was about PKR 3,200 lighter than he expected at the end of a month where he had barely touched his account. He called the bank, was put on hold for twelve minutes, and was eventually told he had been charged for SMS alerts, a below-minimum-balance penalty, … Read more
