Provincial Government Bank

Bank of Khyber Current Account & Deposit Guide

Part of PakFinHub's BOK coverage — see the full bank overview.

• Conventional & Islamic
• Zero-Balance Options

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

A Bank of Khyber current account is the standard everyday transaction account offered by BOK for individuals and businesses who need free-flowing access to their funds without profit restrictions. This guide covers every current, savings, and term deposit account BOK offers, along with the minimum balance and eligibility for each.

BOK runs both conventional and Islamic (Raast-branded) deposit products side by side. Whichever you pick, the account-opening basics are the same: a valid CNIC, an initial deposit, and — for most accounts — a minimum balance requirement to avoid a maintenance charge.

How to Open a Bank of Khyber Account

BOK offers two opening routes, and they aren't the same process wearing different labels — one genuinely skips most of the branch visit.

Digital account opening process, biometric-verification step, and CNIC-linked mobile number requirement confirmed directly from BOK's official "FAQs Digital Account Opening" document and Open Digital Account page (bok.com.pk). Last verified: September 2026.

Bank of Khyber Current Accounts

Account names confirmed from BOK's official Deposit Accounts navigation (bok.com.pk). Exact minimum-balance and fee figures change with BOK's schedule of charges — confirm the current version before opening. Last verified: August 2026.

Bank of Khyber Savings Accounts

Savings account names confirmed from BOK's official Deposit Accounts navigation (bok.com.pk). Last verified: August 2026.

Bank of Khyber Term Deposits

Exact profit rates on every one of these products move with the State Bank of Pakistan's policy rate and BOK's own internal pricing decisions. For real, dated figures from BOK's most recent quarterly disclosure, see the profit rates page, which carries the bank's actual Q1 2026 pool profit rates.

Everything on this page is BOK's conventional lineup. If Shariah compliance matters to you, BOK runs a substantially larger parallel account catalog under its Raast Islamic Banking brand — roughly a dozen named current and savings products, including a Raast Hajj Account, Raast Umrah Account, and a dedicated Raast Youth Saving Account with no conventional equivalent on this page. See the Islamic Banking (Raast) page for the full breakdown.

What You'll Need to Open an Account

Documentation is consistent across BOK's conventional accounts: a valid CNIC (or NICOP/POC for overseas Pakistanis), proof of your source of income for accounts above a certain threshold, and an initial deposit that varies by account type. Business accounts add company registration documents, an NTN certificate, and a board resolution or partnership deed depending on the entity type. Islamic-branded accounts under BOK's Raast umbrella follow the same documentation but route the underlying contract through a Shariah-compliant structure such as Mudarabah instead of conventional interest.

Choosing Between These Accounts

For most salaried individuals opening their first BOK relationship, Kamaal Plus (current) paired with the PLS Savings Account covers day-to-day spending and idle-balance profit in one visit. If you're specifically looking to build savings toward a fixed goal without touching the funds, a Bemisal term deposit or the Khyber Friendly Scheme locks in a rate for the full tenure — useful when you expect rates to fall, since you keep the rate you opened at. The Be-baha Mahana Amdan Scheme suits anyone who wants a predictable monthly cash inflow instead of a lump sum at maturity, such as a retiree living off profit rather than salary.

Zero-minimum-balance accounts (Asaan Current and Asaan Saving) trade a lower profit ceiling and lower per-transaction limits for no maintenance-fee risk — the right call if you're opening a first account and aren't yet sure how much you'll keep in it month to month.

Account Maintenance & Service Charges

BOK's published account-servicing charges from its Schedule of Bank Charges, Conventional Branches, effective July–December 2026 — the fees that apply once an account is open, separate from the profit rates covered elsewhere on this site.

Basic Banking Accounts and Asaan Accounts are exempt from these service charges, as are salary/pension accounts held by government and semi-government employees. Students, Zakat-eligible customers, and accounts belonging to physically handicapped individuals or widows/children of deceased employees eligible for family pension are also exempt.

Source: Bank of Khyber Schedule of Bank Charges, Conventional Branches, July–December 2026. Charges may change with BOK's next schedule update — confirm current rates before relying on them. Last verified: August 2026.

Frequently Asked Questions

Before you visit a branch, it's worth deciding which BOK deposit product actually matches your habits: a Kamaal Plus current account for frequent transactions, a PLS savings account for idle-balance profit, or a fixed-tenure certificate if you won't touch the funds for a while. Getting this right the first time saves a second trip to convert or upgrade an account later.

Good For

• Comparing every BOK current, savings, and term deposit account in one place
• Understanding which account fits a zero-minimum-balance need
• Knowing what documents to bring before visiting a branch
• Deciding between conventional and Raast Islamic account structures

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