ZTBL Shandaar Mahana Amdani Account is a high-yield savings product designed to meet the day-to day financial needs of a diverse range of individuals and entities.

Key Features:

1. Savings Account.
2. Minimum Account Opening balance is PKR 1000/-.
3. Monthly profit payout at 9.50% p.a.
4. The profit on ZSMAA will be calculated on daily day end balance and shall be credited on monthly basis to depositor’s account on 1st week of the month.

• Free clearing through NIFT within city
• Free online cash transaction within city.
• Free online cash transaction intercity.
• Free PAYPAK debit card for first year only subject to maintenance of PKR 500,000 average balance for 3 months. Charges will apply as per prevailing SOBC for subsequent years.
• ZTBL debit card loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000 on each PayPak card (natural and accidental death). Terms & condition applied.
• Through the ZTBL PayPak Loyalty Program, customers gain access to a wide range of exclusive deals and discounts offered by various partnered merchants, enhancing the overall value and convenience of their banking relationship.
• Free SMS Alerts on all ADC transaction.

Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility will provide the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

ZTBL Shandar Mahana Amdani Accounts

For individuals and businesses seeking a secure and reliable banking solution, the ZTBL Current Account offers the convenience of unlimited transactions across Pakistan.

Key Features:

1.Initial Deposit of PKR 200

2. Free Cheque Book: Customers maintaining an average quarterly balance of PKR 50,000 can avail a complimentary cheque book with 50 leaves in a quarter.

3. Free Debit Card: Customers maintaining an average quarterly balance of PKR 100,000 will be offered with free Silver ATM/Debit card. In this case, ATM/debit card issuance charges will be waived. However, annual charges will be applicable.

4.Our ZTBL Debit Card in coordination with PayPak loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000/- on each PayPak card (natural and accidental death).

5. Locker Facility: Customers maintaining an average quarterly balance of PKR 500,000/- will be eligible for a waiver of annual rent on small locker. Likewise, on maintenance of average quarterly balance of PKR 1,000,000/- medium/large locker are offered with annual rent waiver (subject to availability).

6. Free SMS Alerts: Customers will receive free SMS alerts for transactions and account activities. SMS alerts for transactions and account activities will be provided at no cost to the eligible customers.

7.Rupee based non-remunerative Current Account

8.charges shall be applied as per SBP instructions.

• Free clearing through NIFT within city
• Free online cash transaction within city.
• Free online cash transaction intercity.
• ZTBL debit card loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000 on each PayPak card (natural and accidental death).Terms & condition applied.
• Through the ZTBL PayPak Loyalty Program, customers gain access to a wide range of exclusive deals and discounts offered by various partnered merchants, enhancing the overall value and convenience of their banking relationship.


Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility provides the following services 24/7 without any charge;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

Keep your deposit in a secure savings account that offers an attractive rate of return, ZTBL’s PLS Savings Account is the perfect solution for all your financial needs. This account is tailored for individual savers and also businesses who seek returns on their deposits as well as continuous access to their funds. By choosing to deposit your funds in ZTBL’s PLS Savings Account, you will also gain access to the following exclusive services:

Key Features:

1.9.50% p.a rate of return as per the current prevailing rate; which is subject to change according to the MPC announcements by the regulator.
2.There is no initial / minimum deposit.
3.Profit shall be calculated on the basis of average monthly balance.
4.Profit shall be credited into a/c on half yearly basis.

• Free clearing through NIFT within city
• Free online cash transaction within city.
• Free online cash transaction intercity.
• ZTBL debit card loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000 on each PayPak card (natural and accidental death).Terms & condition applied.
• Through the ZTBL PayPak Loyalty Program, customers gain access to a wide range of exclusive deals and discounts offered by various partnered merchants, enhancing the overall value and convenience of their banking relationship.
• Free SMS Alerts on all ADC transactions.

Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility will provide the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

A simplified current account designed for convenience, featuring minimal opening requirements for a seamless banking experience.

Key Features:

1.Initial deposit of Rs. 100/-.
2.No minimum balance is required.
3.Un-bank/under banked people are eligible to open Asaan account.
4.Simple Account Opening Form with minimal documentation i.e. CNIC only.
5.No service charges for account opening / account closing.
6.Maximum credit balance limit allowed is PKR 1,000,000.
7.Monthly debit limit allowed is PKR 1,000,000.
8.This account is only for Pakistani Nationals
9.Real time SMS alerts on every transaction.
10.This account is only for Pakistani Nationals.

• Free clearing through NIFT within city
• Free online cash transaction within city.
• Free online cash transaction intercity.
• ZTBL debit card loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000 on each PayPak card (natural and accidental death).Terms & condition applied.
• Through the ZTBL PayPak Loyalty Program, customers gain access to a wide range of exclusive deals and discounts offered by various partnered merchants, enhancing the overall value and convenience of their banking relationship.
• Free SMS Alerts on all ADC transactions.

Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility will provide the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

A simplified saving account designed for convenience, featuring minimal opening requirements for a seamless banking experience.

Key Features:

1. Initial deposit of Rs. 100/-.
2. 9.50% p.a. Please note that this is subjective to change according to the MPC announcements by the regulator.
No minimum balance is required.
3. Un-bank/underbanked people are eligible to open Asaan account.
4. simple Account Opening Form with minimal documentation i.e. CNIC only.
5. No service charges for account opening / account closing.
6. Profit on ZTBL Asaan Account shall be credited into account on half yearly basis.
• Maximum credit balance limit allowed is PKR 1,000,000.
7. Monthly debit limit allowed is PKR 1,000,000.
8. This account is only for Pakistani Nationals.
9. Real time SMS alerts on every transaction

• Free clearing through NIFT within city
• Free online cash transaction within city.
• Free online cash transaction intercity.
• ZTBL debit card loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000 on each PayPak card (natural and accidental death). Terms & condition applied.
• Through the ZTBL PayPak Loyalty Program, customers gain access to a wide range of exclusive deals and discounts offered by various partnered merchants, enhancing the overall value and convenience of their banking relationship.
• Free SMS Alerts on all ADC transaction.

Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility will provide the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

The Business Deposit Account provides seamless flexibility and is designed to meet the needs of growing businesses. This account is ideal for businesses looking to earn returns on their deposits while maintaining constant access to their funds.

Key Features:

1. The rate of return on this account is 9.50% p.a. Please note that this is subjective to change according to the MPC announcements by the regulator.
2. Initial deposit is Rs. 10,000/-.
3. Profit shall be calculated on the basis of daily product.
4. No limit of withdrawals.
5. Profit shall be credited into account on half yearly basis.

• Debit Card will only be offered to Sole Proprietors.
• Free clearing through NIFT within city
• Free online cash transaction within city.
• Free online cash transaction intercity.
• ZTBL debit card loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000 on each PayPak card (natural and accidental death).Terms & condition applied.
• Through the ZTBL PayPak Loyalty Program, customers gain access to a wide range of exclusive deals and discounts offered by various partnered merchants, enhancing the overall value and convenience of their banking relationship.
• Free SMS Alerts on all ADC transaction.

Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility will provide the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

ZTBL Rozana Bachat Account is a unique account that offers profit calculated on daily product basis significantly increasing the effective rate of return on their savings.

Key Features:

1. The rate of return on this account is 9.50% p.a. fixed. Please note that this is subjective to change according to the MPC announcements by the regulator.
2. Initial deposit is Rs. 10,000/- .
3.There is No limit on withdrawals.
4. Profit shall be calculated on a daily product basis however, credited into a/c on quarterly basis. The profit will only be paid if the minimum balance during the quarter does not fall below PKR 20,000/- even for one day.
5. Two DDs / POs shall be issued free of charge during the month if average balance of Rs. 200,000/- maintained.
6. ZTBL borrowers maintaining a minimum balance of PKR 200,000/- atleast for a period of six (06) months shall be eligible to get Agri loans from ZTBL without any Loan Appraisal Fee.

• Debit Card will only be offered to Individuals/Sole Proprietors.
• Free clearing through NIFT within city
• Free online cash transaction within city.
• Free online cash transaction intercity.
• ZTBL debit card loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000 on each PayPak card (natural and accidental death). Terms & condition applied.
• Through the ZTBL PayPak Loyalty Program, customers gain access to a wide range of exclusive deals and discounts offered by various partnered merchants, enhancing the overall value and convenience of their banking relationship.
• Free SMS Alerts on all ADC transaction.

Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility will provide the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

ROZANA Bachat Account (Fixed Slabs)

Key Features:

1. Rupee based non-remunerative Account
2. Min. initial balance is Rs.1000/-
3. Max. two deposit & two chequing withdrawals during a month are free of charge (for more transactions, charges applicable as per the prevalent Schedule of Bank Charges)
4. Account will be closed by the Bank if there is no balance in the account for a continuous period of six months.
5. ATM card issuance/ renewal fee is recovered annually as per the latest SOBC.

Key Features:

1. Short-term deposit scheme for a fixed period of 3 and 6 months.
2. Min. deposit is Rs.50,000/-.
3. PLS-Saving a/c rate shall be applied, after maturity.
4. Premature profit rates shall apply as per indicative rates.
5. Terms and conditions applied.

ZTBL Senior Citizens’ Account is a preferred profit bearing savings account tailored to cater the needs of senior citizens of 60 years and above.

1. 9.60% p.a. Please note that this is subjective to change according to the MPC announcements by the regulator.
2. ZSCA is available in local currency only.
3. Profit shall be credited on daily product basis and credited on monthly basis.
4. Free complementary issuance of first 25 leaves cheque book.
5. Minimum balance of Rs.1000/- is required for ZSCA with no cap.
6. Un-remunerative charges shall be applied in compliance of SBP instructions.
7. In case of joint account at least one of the account holders must be of 60 years and above and others must be at least 18 years of age stating the relationship with the senior citizen.
8. Priority banking facility over the counter.
9. Reduction in annual Rent charges of small and medium lockers upto 20%, subject to availability.

• Free clearing through NIFT within city
• Free online cash transaction within city.
• Free online cash transaction intercity.
• Free PAYPAK debit card for first year only subject to maintenance of PKR 500,000 average balance for 3 months. Charges will apply as per prevailing SOBC for subsequent years.
• ZTBL debit card loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000 on each PayPak card (natural and accidental death). Terms & Conditions applied.
• Enjoy exclusive 5% to 50% discounts on healthcare services through various merchants/retailers with the ZTBL Debit Card.

Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility will provide the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

ZTBL offers first of its kind children (s) Savings Account. The account is specifically designed for youngsters below the age of 18 years.

Key Features:

1. 9.50% p.a. Please note that this is subjective to change according to the MPC announcements by the regulator.
2. Initial deposit of Rs. 1000/ – after completing all pre-requisites stipulated by SBP/Banks procedure in vogue.
3. Profit calculation on daily product basis to be credited in the account on quarterly basis after deducting all stipulated taxes, levies, Zakat, charges, etc.
4. Account to be opened in the name of Minor and operated by Parent/Guardian.
5. Free 1st cheque book.
6.Birthday surprises shall be communicated through SMS.

• Exclusive free Kids – Centric Debit Card on maintenance of PKR 500,000 in a quarter. Enjoy free ZTBL PAYPAK debit card for first year offering exclusive discounts ranging from 5% to 50% on fast food, toys, gifts, educational supplies, and stationery. Charges will apply as per prevailing SOBC for subsequent years.
• Free SMS Alerts on all ADC transaction.

Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility will provide the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

Term Deposit are for customers who intend to retain their savings for a fixed period and earn a higher rate of profit.

Key Features:

1. 5.00% TO 9.00% (slab 3 months to 60 months & above). Please note that this is subjective to change according to the MPC announcements by the regulator.
2. Min. initial balance is Rs.1000/-.
3. Minimum holding is 1 month.
4. PLS saving a/c rate shall be applied in case of premature encashment & after maturity.
5. Request of roll over shall be made in sufficient time before its maturity otherwise it will be transferred to TDR Matured a/c.

ZTBL PLS Term Deposits

Zarai Munafa Term Deposit Certificate (ZMTDC) is a unique account designed for only Bank employees & their relatives for 1 year only.

Key Features:

1. The initial deposit is 0.100 million.
2. Profit rate of 5.00 p.a.
3. The scheme is restricted to Bank employees & their relatives.
4. Profit shall be paid at maturity.
5. PLS-Saving a/c rate shall be applied, after maturity.
6. Terms and conditions applied.
7. Premature profit rates shall apply as per indicative rates.

Key Features:

1. 3 year investments opportunity.
2. Profit rate of 5.00% p.a.
3. Depositors maintaining minimum investment of Rs.2,00,000/-, at least for a period of six months, will be eligible to get Agri. Loan from ZTBL without any Loan Appraisal fee., provided otherwise eligible.
4. Terms and conditions applied

This unique current account is specially designed to support women in managing their daily financial needs and enhancing their lifestyles. It offers seamless banking convenience, cost efficiency, and the flexibility to stay connected with your account anytime, anywhere

Key Features:

1. No minimum balance.
2. Free 1st chequebook of 10 leaves.
3. Free 50 leaves cheque book on maintaining average monthly balance of PKR 50,000/-.
4. Free Basic ATM Card issuance on maintaining monthly average balance of PKR 100,000/-.
5. Free locker facility on maintaining monthly average balance of Rs. 200,000/- .
6. Free issuance of bank certificate for Visa Purpose.
7. Free duplicate account statement.
8. 100% discount of locker issuance fees.
9. 100% discount of ZTBL Loan Application Fee (LAF) applicable for Agri Loan.
10.All taxes and levy excise duties will be applied as per Govt. rules.
11.Only available in PKR.

• Free clearing through NIFT within city
• Free online cash transaction within city.
• Free online cash transaction intercity.
• ZTBL debit card loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000 on each PayPak card (natural and accidental death).Terms & condition applied.
• Through the ZTBL PayPak Loyalty Program, customers gain access to a wide range of exclusive deals and discounts offered by various partnered merchants, enhancing the overall value and convenience of their banking relationship.
• Free SMS Alerts on all ADC transactions.

Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility will provide the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

Ensuring Women participation from every segment of the socity, ZTBL designed Bakht account with features catering to the saving need of women.

Key Features:

1. No minimum balance.
2. Preferred profit rates over and above the prevailing PLS Saving indicative rates offered by ZTBL, currently 9.60% p.a.
Profit is paid on monthly basis.
3. Free 50 leaves cheque book on maintaining average monthly balance of PKR 100,000/-.
4. Free Basic ATM Card issuance on maintain monthly average balance of PKR 200,000/-.
5. Free locker facility on maintaining monthly average balance of Rs. 500,000/- .
6. Free issuance of bank certificate for Visa Purpose.
7. Free duplicate account statement.
100% discount of locker issuance fees.
8. 100% discount of ZTBL Loan Application Fee (LAF) applicable for Agri Loan.
9. All Zakat and income tax will be deducted as per Govt. rules.
10. Only available in PKR.

• Free clearing through NIFT within city
• Free online cash transaction within city.
• Free online cash transaction intercity.
• ZTBL debit card loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000 on each PayPak card (natural and accidental death). Terms & condition applied.
• Through the ZTBL PayPak Loyalty Program, customers gain access to a wide range of exclusive deals and discounts offered by various partnered merchants, enhancing the overall value and convenience of their banking relationship.
• Free SMS Alerts on all ADC transaction.

Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility will provide the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

Key Features:

1. Account opened with Rs.1000/-.
2. All charges imposed by the regulator will be applicable.
3. No minimum balance requirement.
4. Unlimited withdrawal and deposits.

• Free clearing through NIFT within city
• Free online cash transaction within city.
• Free online cash transaction inter city.
• Free PAYPAK debit card on maintenance balance of PKR 50,000 in a quarter for (first year only).
• Enjoy exclusive 5% to 50% discounts on healthcare services through various merchants/retailers with the ZTBL Debit Card.
• ZTBL debit card loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000 on each PayPak card (natural and accidental death). Terms & Conditions applied.
• Free SMS Alerts on all ADC transaction.

Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility will provide the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

Designed for retired individuals, ZTBL Pension Savings Account offers secure savings with modest returns and easy access to funds, ensuring a seamless and flexible banking experience

Key Features:

1. Account opened with Rs.1000/-.
2. Monthly Profit Payout.
3. Profit calculation on average monthly balance. All relevant taxes/zakat will be deducted as per policy.
4. No fee or service charges for maintaining account will be charged.
5. No minimum balance requirement.
6. Unlimited withdrawal and deposits..
7. 9.60% p.a preferential rate of return as per the current prevailing rate. Please note that this is subjective to change according to the MPC announcements by the regulator

• Free clearing through NIFT within city
• Free online cash transaction within city.
• Free online cash transaction intercity.
• Free PAYPAK debit card for first year only subject to maintenance of PKR 500,000 average balance for 3 months. Charges will apply as per prevailing SOBC for subsequent years.
• ZTBL debit card loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000 on each PayPak card (natural and accidental death). Terms & Conditions applied.
• Enjoy exclusive 5% to 50% discounts on healthcare services through various merchants/retailers with the ZTBL Debit Card.

Registered mobile app users can avail the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement

I-Net Banking facility will provide the following services 24/7 without any charges;
• Funds Transfers (Local/IBFT)
• Bill Payments
• Mobile TopUp
• Account Statement