Albaraka Bank Pay Order, Demand Draft & Certificates
Fees for pay orders, foreign currency demand drafts, and the bank statements and certificates customers most often need — sourced directly from the official Schedule of Charges.
- Pay Order: Rs 150
- Demand Draft (FCY)
- Statements & Certificates
Albaraka Bank Pakistan pay order and demand draft charges, plus bank statement, balance confirmation, and Zakat certificate fees — sourced to the official Schedule of Charges.
An Al Baraka pay order costs Rs 150 for an account holder (Rs 600 for a non-account holder). A foreign currency Demand Draft costs $15 to issue. Bank statements, balance confirmations, and Zakat certificates each carry their own modest fee — typically Rs 200–250 — though several accounts include some of these free once a qualifying balance is maintained.
These are the paper-and-documentation side of banking — instruments and certificates rather than accounts or cards — and they don't get much coverage anywhere online. Every figure below comes straight from Al Baraka's own official Schedule of Charges.
Pay Order (Local Currency)
A pay order is a bank-guaranteed instrument for local payments — commonly used for fee payments, security deposits, or anywhere a personal cheque isn't accepted. Al Baraka's charges differ sharply depending on whether you hold an account there:
| Service | Account Holder | Non-Account Holder |
|---|---|---|
| Issuance | Rs 150 | Rs 600 |
| Cancellation | Rs 300 | Rs 600 |
| Duplicate Issuance | Rs 250 | Rs 600 |
| Revalidation | Rs 100 | Rs 500 |
| Stop Payment | Rs 300 | Rs 500 |
One useful exception: pay orders made specifically for fee payments to educational institutions or HEC/exam boards are capped at 0.5% of the amount or Rs 25 per instrument, whichever is lower — worth knowing if you're paying tuition or exam fees this way.
Source: Al Baraka Bank Pakistan's official Schedule of Bank Charges (July–December 2026), Section B.1.i.
Demand Draft (Foreign Currency)
Al Baraka issues Demand Drafts in foreign currency rather than Rupees — useful for cross-border payments where a wire transfer isn't the right fit. All figures are in USD (or the equivalent in other currencies):
| Service | Charge |
|---|---|
| Issuance | $15 |
| Cancellation | $10 |
| Duplicate Issuance | $15 |
| Stop Payment | $15 + SWIFT charges |
Source: Al Baraka Bank Pakistan's official Schedule of Bank Charges (July–December 2026), Section A.2.i.
Bank Statements & Certificates
Beyond pay orders and drafts, these are the documentation requests that come up most — for a visa application, a loan elsewhere, an audit, or a Zakat record:
| Document | Charge |
|---|---|
| Duplicate Statement of Account | Rs 35 per item |
| Balance Confirmation Certificate | Rs 200 |
| Account Maintenance Certificate | Rs 200 |
| Certificate of Profit Paid & Zakat Deducted | Rs 250 |
| Financial/Credit Worthiness Certificate | Rs 250 |
| Confirmation of Balance to Auditors | Rs 250 |
| Dormant Account Reactivation | Free |
| Account Closure | Free |
Several Al Baraka accounts bundle some of these in for free once you clear a qualifying balance — Shafqaat, Mahana Barkah, Business Plus, and others all include a duplicate statement or maintenance certificate at no charge as part of their standard perks. Check your specific account's free-service list on our Account Opening page before paying for one separately.
Source: Al Baraka Bank Pakistan's official Schedule of Bank Charges (July–December 2026), Sections B.9 (Reports & Certificates) and B.10 (Miscellaneous).
Good For
- Confirming a pay order or demand draft fee before requesting one at the branch
- Budgeting for a bank certificate needed for a visa, loan, or audit
- Checking whether your account already includes a certificate for free before paying separately
Frequently Asked Questions
How much does an Al Baraka pay order cost?
Rs 150 flat for an account holder, Rs 600 flat for a non-account holder.
Does Al Baraka issue demand drafts?
Yes, in foreign currency — $15 to issue, $10 to cancel, $15 for a duplicate.
How much does a duplicate bank statement cost?
Rs 35 per request — though several accounts include this free once a qualifying balance is maintained.
Is there a discount on pay orders for school or exam fees?
Yes — pay orders for educational institution or HEC/exam board fees are capped at 0.5% of the amount or Rs 25, whichever is lower.
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