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Aitemaad Merchant Account

Underlying Islamic Mode Mudharabah (Un-restricted)
Type of Product Saving (Remunerative Current Account)
Currency Pakistani Rupees (PKR)
Minimum / initial amount for opening an account PKR 1,000/-
Customer Type

-Sole Proprietorship§ Partnership

-Limited Company / Corporation

-NGO / NPO / Charity

-Executor and Administrator

-Trust / Club / Society / Association

-Government Office Account (all types)

Profit Calculation Daily Product
Profit Payment Monthly
Restriction on withdrawals / credit transactions No
Restriction  on low account balance No 
Loss Distribution In the event of loss, the AMA account holder and the Bank will bear the same proportionate to their respective investments provided there is no negligence on the part of the Bank. In case it is proved that losses suffered in Mudharabah pool are due to the Bank’s negligence, total loss shall be borne by the Bank.
Benefits and Eligibility Criteria

1. All Time Free Benefits of AMA

-Online Banking (across the NBP network) 

-SMS Alerts (for sole proprietorship only)

2. Free Benefits for the First Month of AMA (without balance criteria)

-Cheque Book – (issuance) 

-Pay Order – (issuance)

-Demand Draft – (issuance)

-Statement of Account

-EMV Debit Card – (issuance & annual fee)

3. Free Benefits from the Second Month of AMA (with balance criteria)

If daily average balance (monthly average balance) of previous month is equal to or greater than PKR 50,000/- then following free benefits will be offered for the current month:

-Cheque Book – (issuance) 

-Pay Order – (issuance)Demand Draft – (issuance)

-Statement of Account

-EMV Debit Card – (issuance & annual fee)


-All Government taxes and levies (where applicable) will be recovered from the account holder as per NBP Aitemaad – Schedule of Charges (SOCs).

-The charges / fees / waiver / grid / criteria will be reviewed and updated in NBP Aitemaad - Schedule of Charges (SOCs) from time to time

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