Ba-Aitmaad Current Account

Your everyday banking needs fulfilled with peace of mind!

U Bank Islamic Banking offers the Ba-Aitmaad Current Account facility which is a non-remunerative current account that fulfils the daily banking needs of individuals and entities at their convenience, all within the rules of Shari’ah.

Salient Features

No minimum balance requirement

Account opening with a minimum balance of PKR 1,000

Unlimited transactions without additional charges

Account opening facility for individuals and institutions

Free SMS, email, and mobile banking services

Chequebook and debit card facility

Required Documents

Valid CNIC
Proof of Income

Terms and Conditions are applicable

FAQs

What is the eligibility criteria for this account?

The applicant must be a resident Pakistani with a valid CNIC or NICOP

What is the minimum balance requirement?

None

What documentation do I need to open this account?

Valid CNIC
Proof of Income

Can I open this account without visiting your branch?

Visit your nearest U Bank Islamic Banking branch
Provide the necessary KYC documents
Read & Sign the complete account opening form and submit

How long does the account opening process take place?

2-3 working days in most cases

Is there any limit on the number of transactions?

No – this account provides the facility of unlimited transactions

Any value added services being offered on this account?

Free services are provided to all current account customers across the board.

FREE Online Banking Services
FREE Internet Banking – Individuals only
FREE Mobile App – Individuals only
FREE SMS Alerts – Individuals only
Issuance of ATM / Debit Cards – Individuals only
Issuance of Pay Order
Issuance of Cheque Books
RTGS Facility
Phone Banking (24/7 Call Centre)
All other facilities can be availed such as Debit Cards, Cheque Books, Pay Orders and etc. are as per the prevailing bank’s Schedule of Charges

Is this Shari’ah-compliant banking?

Yes – It is Shari’ah-compliant current account.

Recommended Products

U Islamic Asaan Current Account

Minimum requirements with maximum convenience!

U Bank Islamic Banking offers a Shari’ah-compliant current account based on the Islamic principle of Qard. U Islamic Asaan Current Account fulfils your daily banking needs at your convenience and is specially designed for customers who may face challenges in providing extensive documentation for opening a bank account. This is the perfect Shari’ah-compliant banking solution for daily wage earners, skilled/unskilled workers, self-employed individuals, farmers, housewives, students, etc. to benefit from our bank account services.

U Islamic Asaan Current Account is the perfect choice for customers who wish for hassle-free, easy account opening without excessive documentation requirements. The account can be opened singly or jointly only by Pakistani resident individuals.

Islamic Concept

U Islamic Asaan Current Account is based on the Islamic principle of Qard, whereby the bank is a ‘debtor’ and the depositor is the ‘creditor’. This is a non-remunerative account where the bank is liable to pay the depositor’s money back to the customer on demand without any additional charges.

Success Stories

Bringing Dreams to Life

Yasir Sheikh, a resident of Sheikh Muhalla in Shikarpur, Sindh, always dreamed of running his own business. He began with a small cart selling snacks on the street and gradually expanded to owning a grocery store. As his family grew, Yasir’s desire to provide a quality education for his children intensified. He enrolled them in good private schools, but soon found himself struggling to manage the school fees alongside daily expenses. Faced with the difficult choice between feeding his family and paying for education, Yasir felt overwhelmed and worried. In search of a solution, Yasir turned to U Bank for financial support. The bank's staff guided him through the loan options, and he quickly secured the necessary funds with Barhta Karobar Plus Loan. Within a year, Yasir not only expanded his grocery business but also successfully repaid the loan. Today, his store offers a wider variety of products, his income has increased, and his children are receiving the education he always dreamed of providing. Yasir’s story is a testament to how U Bank's microfinance services can empower small businesses to improve lives and livelihoods in Pakistan.

From Salesman to Business Owner

M. Iqbal Qadri from Adda Shabeel, Sahiwal – Punjab, Pakistan, is a determined business owner, who was working for a small pharmacy as a salesman before progressing to opening his own shop in Sahiwal. Sahiwal, where he is from, is an agricultural region and his family had traditionally been farmers. Between 2006 and 2007, Iqbal worked as a salesman, before he decided to open up his own retail store. He further required capital to expand it and increase his customer inflow. With suggestions from his friends, he twice availed the U Bank Islamic Banking - Apna Karobar Premium Murabaha Financing facility to add investment to his store for its growth. Today, he owns the shop himself, has added inventory and variety to his store, does not have to pay rent, sends his kids to good schools, and is living a good life.

U Bank Transforming Lives of Entrepreneurs

In the rural town of Kot Laysan, Rajanpur, Punjab, Tauqeer Ahmed has been running a successful clothing shop in Saddar Bazaar for 16 years, offering a wide variety of female clothing, from formal wedding clothes to casual dresses. Before starting his own business, Tauqeer worked as a salesman in a jewelry store for a decade, where he struggled with financial constraints. Realizing the potential in the clothing market, he decided to open his own shop, which required less initial investment and promised higher sales. To further expand his business, Tauqeer turned to U Bank for a Running Finance facility. The bank responded promptly, processing his loan quickly and offering a low markup rate. With this financial support, Tauqeer was able to invest in his business, resulting in substantial growth. Now, he enjoys daily sales of thousands of rupees, his income has improved significantly, and he has elevated his household's living standards. Tauqeer’s story highlights the vital role that U Bank's microfinance services play in empowering small and medium-sized businesses in Pakistan.

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