JS Bank Account Opening — Every Account Compared
Minimum balance, profit type, and who each JS Bank account is built for, in one comparison.
- No-minimum option available
- 6 savings account types
- Branch or digital opening
- Last Verified: 11 Sep 2026
Opening a JS Bank account starts with picking the right type: JS Asaan Savings has no minimum balance requirement, JS PLS Savings pays profit every six months and is built around a PKR 250,000 balance, and JS Rupee Plus calculates profit daily with quarterly payout. Current accounts hold funds with no profit; term deposits lock funds for a fixed tenure at a higher declared rate.
JS Bank offers a distinct account for nearly every saving style — from a zero-minimum starter account to accounts built for higher-balance customers who want daily profit compounding. Below, minimum balance, profit frequency, and who each account actually suits.
JS Bank Savings & Current Accounts Compared
| Account | Minimum Balance | Profit Payout | Best For |
|---|---|---|---|
| JS Asaan Savings Account | None required | Semi-annual | First-time savers, simple accounts |
| JS PLS Savings Account | PKR 250,000 for full free-service benefits | Every 6 months | Everyday savers wanting a free debit card & cheque book |
| JS Rupee Plus Savings Account | Higher balance tiers for top rates | Daily calculation, quarterly payout | Savers who want faster-compounding returns |
| JS Foreign Currency Plus Savings | Varies by currency | Per account terms | Holding USD/GBP/EUR balances |
| JS HER Savings Account | Rs. 50,000/- (monthly average) for full free-service benefits | Per prevailing profit rate, semi-annual | Women customers wanting a dedicated savings account alongside JS HER banking benefits |
| Current Account (various tiers) | From none to Rs. 50,000+ depending on tier | None (non-profit-bearing) | Frequent transactions, business use |
| Term Deposit (PLS basis) | Fixed deposit amount, tenure-dependent | At maturity or periodic, per tenure | Locking funds for a declared fixed rate |
Account terms confirmed from JS Bank's official Savings Account pages and its published Key Fact Statement / deposit rate sheets. Rates on PLS-basis accounts are indicative and change periodically — confirm current rates with JS Bank directly.
Account Fees & Waivers
| Account | Balance to Waive Fees | Free Chequebook | Free Debit Card |
|---|---|---|---|
| JS Platinum Business Current | Rs. 150,000/- (previous 3-month average) | Up to 100 leaves; 50-leaf book free quarterly regardless of balance | Platinum — annual fee, issuance & chip maintenance all free |
| JS Premium Current | Rs. 100,000/- (previous 3-month average) | 1st chequebook free (50 leaves), regardless of balance | Titanium — annual fee, issuance & chip maintenance all free |
| JS Premier Raabta Current | Rs. 150,000/- (monthly/quarterly average) | 4 free chequebooks/year (100 leaves) if balance met; otherwise per SOC | Gold — annual fee, issuance & chip maintenance all free |
| JS HER Current | Rs. 50,000/- (monthly average) | 25 free leaves/quarter if balance met; 10 free leaves regardless | Titanium — annual fee, issuance & chip maintenance all free |
| JS Elite Current | None required | 1st chequebook free (10 leaves) | PayPak — annual fee free |
| JS Elite Plus Current | None required | 1st chequebook free (25 leaves) | Gold — annual fee free |
| JS Asaan Current/Savings | None required (no-minimum account) | Per prevailing SOC | Per prevailing SOC |
Beyond chequebooks and debit cards, standard charges across most accounts include a 1IBFT (interbank funds transfer) fee of 0.1% of the transaction amount or Rs. 200/-, whichever is lower, and a Rs. 100/- utility bill payment fee via the mobile app. SMS alerts run Rs. 1,800/- p.a. (Rs. 150/- per month) outside fee-waiver accounts, and a returned cheque costs Rs. 1,400/- (consumer lending accounts) under Inward Clearing rules.
Fee figures confirmed from JS Bank's official Schedule of Charges, July–Dec 2026 edition, General Banking §A "Fee Waivers." Waivers are based on the previous 3 months' average balance and are subject to change — confirm current terms with JS Bank.
What You'll Need to Open an Account
Standard requirements across JS Bank's personal accounts include a valid CNIC/NICOP, an initial deposit as applicable to the account (as low as PKR 500–1,000 for some savings accounts), and — for salaried applicants — proof of income where required by the specific account tier. Business and current accounts carry additional documentation depending on account type and average-balance requirements.
How to Verify the Latest Information
This page was last verified on 11 Sep 2026. Figures and details around minimum balance, profit rates, and account fees can change without notice, so before relying on anything here for a decision, cross-check it against JS Bank's official Personal Accounts page — the authoritative, always-current source.
FAQs
What is the minimum balance for a JS Bank account?
It depends on the account. JS Asaan Savings Account has no minimum balance requirement, while the JS PLS Savings Account is designed around a minimum balance of PKR 250,000 to access its full fee-free benefits.
How do I open a JS Bank account?
You can open a JS Bank account by visiting any branch with your CNIC, or digitally through JS Bank's website or the JS Bot WhatsApp assistant for eligible account types.
Good For
- Comparing JS Bank's savings accounts before choosing one
- Understanding what "minimum balance" actually unlocks per account
- Deciding between semi-annual and daily-calculated profit accounts
- Knowing what documents to bring to a branch
Ready to open a JS Bank account?
Compare current profit rates and confirm requirements directly with JS Bank.
For independent verification, see State Bank of Pakistan, JS Bank Official Accounts Page.