Abhi Account Opening — Complete Guide
Two ways to open an Abhi Microfinance Bank account: entirely on the app, or in person at a branch. Here's how each works.
- App-Based Sign-Up
- No Branch Visit Required
- Last Verified: Sep 4, 2026
Abhi account opening, direct answer: the fastest way to open an Abhi account is through the Abhi Bank app — download it, verify your mobile number by OTP, enter basic identity details, and set a 4-digit PIN. No branch visit or paperwork is needed for this digital path, per the app's official account-opening description.
Account Opening: At a Glance
- Digital Sign-Up Time
- A few minutes
- Branch Visit Needed?
- No (app route)
- Verification
- Mobile OTP + ID
- Login Security
- 4-digit PIN
Confirmed from the Abhi Bank app's official Google Play listing. The Asaan Account's no-income-proof requirement reflects SBP's standard Asaan Account framework, applicable across all SBP-regulated banks and MFBs, including Abhi — a self-declaration of source of funds substitutes for formal income documentation.
Opening an Account on the App
- Download the app. Available on Google Play (Android) and the Apple App Store (iOS), published by ABHI Microfinance Bank Limited. Note: the app was recently renamed from ABHI Pay to ABHI Bank, with a redesigned interface — same account, new look.
- Enter your mobile number. You'll receive an OTP by SMS to verify it — this number becomes tied to your account and device.
- Provide basic identity details. The app collects a few core details to verify who you are.
- Set a 4-digit login PIN. This is what you'll use to log in going forward, alongside optional Face ID/Touch ID on supported devices.
- Your account is ready. You can immediately start using core wallet features — transfers, bill payments, and mobile top-ups.
Opening an Account at a Branch
Prefer to open in person? It's still the better route for term deposits, larger initial deposits, or if you'd just rather sit across from someone and ask questions. Abhi's 114+ branches nationwide handle standard account opening — bring your CNIC and expect the usual paperwork. Check the official branch locator first so you're not making a trip to a branch that's since closed.
Minimum Deposit by Account Type
| Account | Minimum Deposit |
|---|---|
| Asaan Account | Rs. 100 |
| Sahulat Current Account | Rs. 2,000 |
| Aitmaad Bachat Account | Rs. 2,000 |
| Rozana Munafa / Niswan Rozana Munafa | Rs. 5,000 |
| Sahulat Plus Current Account | Rs. 10,000 |
Confirmed directly from Abhi Microfinance Bank's official Branch Banking Schedule of Charges, effective 1 July – 31 December 2026. See the full Deposits & Charges page for account maintenance fees and ATM/card charges.
What You'll Need
Valid CNIC
Your original computerized national identity card, required for identity verification either digitally or at a branch.
Active Mobile Number
Needed for OTP verification and tied to your account for ongoing login security.
A Smartphone
Required for the digital sign-up route through the Abhi Bank app.
Income Proof — Not Always Needed
For the Asaan Account specifically, no salary slip or income documentation is required — this is an SBP-mandated financial inclusion category, opened with just a CNIC and a self-declaration in lieu of income proof. Other account types may still ask for it.
Good For
- Choosing between app-based and branch-based account opening
- Knowing exactly what documents to have ready
- Understanding how long digital sign-up actually takes
- Avoiding confusion between the wallet account and the full bank account
Ready to open an Abhi account?
Download the app directly, or visit your nearest branch for in-person opening.
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For independent verification, see State Bank of Pakistan.