Commercial Bank

Standard Chartered Account Opening — Complete Guide

Every SCB Pakistan deposit account, how they differ, and how to open one online or in branch.

SC Digital Account
Bonus Saver up to 9.00% APR
Saadiq Islamic Accounts

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

Standard Chartered account opening in Pakistan can be done fully online via the SC Mobile app (SC Digital Account) or in person at any branch. The bank offers both conventional accounts (SC Digital Account, Bonus Saver, High Yield Savings) and Shariah-compliant Saadiq accounts.

Standard Chartered Pakistan account opening starts with choosing between a conventional or Saadiq (Islamic) account, then either applying through the SC Mobile app for a fully digital SC Digital Account, or visiting a branch with standard KYC documents. This page lays out the actual account lineup so you can pick the right one before you apply.

Initial Deposit & Minimum Balance — Official Figures

Account	Initial Deposit	Monthly Avg. Balance	Shortfall Charge
Current Accounts (standard)	Rs 200,000	Rs 200,000	Rs 50/month
Bonus Saver	Rs 500,000	Rs 500,000	Rs 50/month
Basic Banking Account	Rs 100	NIL	NIL
Regular Savings / Asaan Account	Rs 100	NIL	NIL
Standard Chartered Digital Account	NIL	NIL	NIL
Roshan Digital Account	NIL	NIL	NIL
SC Sahar Women's Account	NIL	NIL	NIL

Confirmed from Standard Chartered Pakistan's official Conventional Schedule of Charges, 1 July – 31 December 2026 — Account Balance and Cheque Book Charges table.

Standard Chartered Pakistan Accounts

Account	Type	Notes
SC Digital Account	Conventional current/savings	Opened entirely via SC Mobile app
SC Sahar Women's Account	Conventional savings	Designed specifically for women customers
High Yield Savings Account	Conventional savings	Built for liquidity plus competitive returns
Bonus Saver Account	Conventional savings	Advertised rate up to 9.00% APR
Saadiq Basic Saver	Islamic savings	Mudarabah-based, bi-annual profit payout
Saadiq Current Account	Islamic current	Qard-based, free withdrawal

Account names and the Bonus Saver rate confirmed from Standard Chartered Pakistan's official Save section on sc.com/pk.

Bonus Saver Profit Calculator

Several comparison sites currently list Standard Chartered's savings rate as high as 20.5% — that figure is stale or simply wrong. SCB's own official Save page confirms Bonus Saver at up to 9.00% APR. Enter your balance and see what that actually earns, using the real rate, not a copied-around number.

Your Balance

Average Balance (Rs.)

Please enter a valid balance.

Holding Period

Showing Rs. 1,000,000 over 6 months as an example — edit the fields above and it updates instantly.

Estimated Gross Profit

Gross Profit (before tax)

—

Rate Used9.00% APR (Bonus Saver, per SCB)

Balance—

Period—

This is gross profit — before withholding tax. Bank profit is taxed at source under Section 151 of the Income Tax Ordinance, and filers pay meaningfully less than non-filers. Secondary sources currently disagree on the exact current rate — some cite 15%/30% (filer/non-filer), others cite 20%/40% — so we're not computing a fake net figure here. Confirm your exact withholding rate with SCB or FBR directly before assuming a take-home amount.

Bonus Saver rate (up to 9.00% APR) confirmed from Standard Chartered Pakistan's official Save section on sc.com/pk. This is a simple, non-compounding illustrative estimate on a flat average balance — actual profit calculation method (daily vs. monthly average balance) should be confirmed with SCB, since it affects the real figure. Last verified: August 23, 2026.

How to Open an Account

1. Choose your account

Compare conventional vs. Saadiq Islamic options on sc.com/pk/save.

2. Apply online or in branch

Use the SC Mobile app for a fully digital SC Digital Account, or visit any branch with your CNIC.

3. Complete KYC

Provide identification, proof of address, and income documentation as required for your account tier.

Debit Cards Issued With New Accounts

New accounts are typically issued a Pay Pak debit card — Pakistan's domestic payment scheme — as standard, with upgrades available to the Titanium, Classic, or Priority Platinum debit card depending on account tier and relationship value.

Debit card tiers confirmed from Standard Chartered Pakistan's official Debit Cards section.

Documents Typically Required

As with any scheduled Pakistani bank, opening a Standard Chartered account requires a valid CNIC (or NICOP/passport for overseas Pakistanis), proof of income or occupation, and a Pakistani mobile number for biometric verification and digital banking registration. Non-resident Pakistanis opening a Roshan Digital Account use a separate, dedicated digital onboarding flow rather than the standard resident account path.

Frequently Asked

Can I open an account without visiting a branch?

Yes — the SC Digital Account is designed for fully remote onboarding through the SC Mobile app.

Is there a women-specific account?

Yes, the SC Sahar Women's Account is built specifically for women customers, per SCB's official product page.

Does SCB offer a business current account?

Business and SME account opening is handled through SCB's separate Business Banking / Straight2Bank channel rather than the personal Save section.

Good For

Comparing SCB's conventional vs. Saadiq Islamic account options before applying
Understanding which account ties to the Bonus Saver's advertised 9.00% APR
Opening an account fully online through the SC Mobile app
Knowing which debit card comes with which account tier

Ready to bank with Standard Chartered?

Verify current rates, offers, and terms directly with SCB Pakistan before you apply.

Visit SCB Official Website See SCB Bank Profile