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Bank AL Habib IBFT Limit & Transfer Charges

Bank AL Habib's IBFT and Raast transfers include a free monthly allowance, with daily caps that vary by card and fees applying once that limit is exceeded.

Part of PakFinHub's Bank AL Habib coverage — see the full bank overview.

  • Last Verified: Sep 2, 2026
  • Official SOC Data
  • Updated Regularly

Written & reviewed by — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Bank AL Habib gives you Rs 25,000 in free interbank transfers (IBFT/Raast) per account every month — after that, a small percentage-based fee kicks in. Here's exactly how the free allowance, the tiered charge, and the separate daily transfer limits by card and channel actually work, sourced from the bank's own official fee schedule and EFT disclosure.

IBFT & Raast Transfer Charges

Transfer TypeCharge
Within Bank AL Habib (own or any BAHL account)Free
IBFT to other banks — up to Rs 25,000/month/accountFree
IBFT to other banks — above Rs 25,000/month/account0.1% of transaction amount or Rs 200, whichever is lower

Sourced from Bank AL Habib's official Schedule of Bank Charges, effective July 1 – December 31, 2026. The free monthly threshold and the tiered charge above it apply per account, not per transaction — several small transfers count toward the same Rs 25,000 monthly free allowance.

Daily & Per-Transaction Transfer Limits

Transfer ModeLimit
To any Bank AL Habib accountRs 6,000,000
To your own account (self-transfer)Rs 10,000,000
To another bank via RaastRs 2,500,000
To another bank via 1-Link (IBFT)Rs 2,500,000

These limits apply to transfers made through AL Habib Mobile App and Netbanking. Sourced from Bank AL Habib's official Electronic Funds Transfer disclosure page — figures reflect the most recent of two limit increases in 2026 (Raast/IBFT rose from Rs 1,000,000 → 2,000,000 → 2,500,000; Any BAHL Account rose from Rs 4,000,000 → 6,000,000).

Debit Card EFT Limits (ATM/Card-Based Transfers)

CardEFT Limit (per day)
AL Habib Signature Debit CardRs 2,000,000
AL Habib Platinum Debit CardRs 500,000
AL Habib Gold Debit CardRs 400,000
AL Habib Silver Debit CardRs 300,000
AL Habib UnionPay Debit CardRs 250,000
AL Habib PayPak Debit CardRs 200,000

Card-based EFT limits are separate from, and generally lower than, the App/Netbanking limits above — sourced from the same official Electronic Funds Transfer disclosure.

Raast vs. IBFT (1-Link) — What's the Difference?

Raast is the State Bank of Pakistan's own instant payment system, identified by a Raast ID (typically your mobile number) linked to your account. IBFT via 1-Link is the older interbank transfer rail, requiring the recipient's full account number or IBAN. Both move money between different banks in real time and both fall under the same Rs 25,000/month free allowance on Bank AL Habib's fee schedule — the difference is in how you identify the recipient, not the cost.

Getting started

You need a Savings or Current Account at Bank AL Habib plus either a Debit Card or AL Habib Mobile App / Netbanking access to initiate transfers.

Instant settlement

Funds transfer on a real-time basis; you'll get an SMS alert on your registered mobile number once the transfer succeeds.

Failed or disputed transfer

Contact your relationship branch, the 24/7 Call Center at (021) 111-014-014, or email info@bankalhabib.com — you can also use the complaint box at any branch or ATM.

Ready to explore Bank AL Habib IBFT & Fund Transfer Guide?

Verify current rates, terms, and eligibility directly with Bank AL Habib before applying — this page is independent, sourced, and kept current, but the bank's own site is the final word on live terms.

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