# JS Bank accounts: types, charges and how to open one

URL: https://which.pk/money/guides/js-bank-accounts/
Author: Hassam
Updated: 24 Oct 2026

## Summary

On JS Bank's rate sheet from 1 October 2026, every rupee savings account pays individuals 10.00% up to Rs 1 crore and 7.00% just above it. JS Asaan Current and Asaan Savings open with Rs 100 and have no minimum balance. JS Blink, in the JS Mobile app, opens digital accounts free, with processing in 2 working days. Other banks' ATMs cost Rs 35 and transfers to other banks are free up to Rs 25,000 a month, per the July to December 2026 schedule.

## Key facts

- Savings up to Rs 1 crore (1 Oct 2026): 10.00%
- Other bank's ATM (Jul–Dec 2026): Rs 35
- JS Asaan accounts: Open with Rs 100
- Online via JS Blink: Free, 2 working days

For JS Bank account opening, the cheapest start is a **JS Asaan Current or Asaan Savings account**: each opens with **Rs 100** and has no minimum balance. If you want profit, every JS Bank rupee savings account pays individuals **10.00% a year** up to Rs 1 crore (rate sheet from 1 October 2026). You can also open an account without visiting a branch through **JS Blink** in the JS Mobile app, free of charge.

**JS Bank savings rate:** 10.00% a year (All rupee savings accounts, for individuals with balances up to Rs 1 crore, on the rate sheet effective 1 October 2026. Above Rs 1 crore the rate drops to 7.00%, rising in steps to 9.50% from Rs 100 crore.)

**Where these details come from:** We read JS Bank's profit rate sheet (savings from 1 October 2026, term deposits from 2 October 2026), its July to December 2026 schedule of charges and key fact statement, and its account pages on 24 October 2026. Charges exclude FED and other taxes unless stated. Confirm any fee at the branch before you rely on it.

## Which JS Bank account should I open?

| You want | JS Bank account | Why |
|---|---|---|
| An account with only a CNIC | JS Asaan Current or Asaan Savings | Rs 100 to open; no minimum balance; Rs 3 million credit limit |
| Profit on your savings | PLS Savings or Asaan Savings | 10.00% up to Rs 1 crore |
| Profit worked out daily | Rupee Plus Savings | 10.00%; profit calculated daily, paid quarterly |
| To open on your phone | JS Blink digital accounts | Free; processed in 2 working days |
| An everyday account with few branch visits | Basic Banking | No minimum balance; 2 free deposits and 2 free withdrawals a month |
| A women's account with insurance | JS HER Current | Cancer cover up to Rs 500,000, whatever your balance |
| To get paid from abroad as a freelancer | JS Freelancers Current | Free transfers to other banks and free EPRC |
| An account for a person with a disability | JS Inclusive Current | No initial deposit; free PayPak card and SMS alerts |

## What are the JS Bank account types?

Profit rates are from the sheet effective 1 October 2026. Opening amounts and balance rules are from JS Bank's account pages and its July to December 2026 schedule.

| Account | Type | Profit | Paid | To open | Balance rule |
|---|---|---|---|---|---|
| JS Asaan Current | Current | None | n/a | Rs 100 | No minimum; Rs 3 million credit limit |
| JS Asaan Savings | Savings | 10.00% | Not stated | Rs 100 | No minimum; Rs 3 million credit limit |
| PLS Savings | Savings | 10.00% | Not stated | Not stated | No minimum balance fee listed |
| Rupee Plus Savings | Savings | 10.00% | Quarterly | Not stated | No minimum balance fee listed |
| JS HER Savings | Savings | 10.00% | Not stated | Not stated | No minimum balance fee listed |
| Basic Banking | Current | None | n/a | Not stated | No minimum |
| JS Inclusive Current | Current | None | n/a | Nil | No minimum balance fee listed |
| JS Premium Current | Current | None | n/a | Not stated | Rs 100,000 average for free Titanium card and SMS alerts |
| JS HER Current | Current | None | n/a | Not stated | Rs 50,000 average for free Titanium card and quarterly cheque book |

JS Bank's July to December 2026 schedule lists no minimum balance charge on these accounts. A balance rule here only decides which services become free. We couldn't find the opening deposit for PLS Savings, Rupee Plus, HER or Premium on JS Bank's pages, so ask the branch.

## What is the JS Bank saving account profit rate in 2026?

On the sheet effective 1 October 2026, one rate applies to all JS Bank rupee savings accounts, including PLS Saving, Rupee Plus, Asaan Savings, HER Saving and the digital savings accounts:

| Monthly balance (individuals) | Rate |
|---|---|
| Up to Rs 1 crore | 10.00% |
| Rs 1 crore to Rs 2.5 crore | 7.00% |
| Rs 2.5 crore to Rs 5 crore | 7.25% |
| Rs 5 crore to Rs 10 crore | 7.50% |
| Rs 100 crore and above | 9.50% |

Institutions and companies get **7.00%** up to Rs 2.5 crore. On Rs 1 lakh at 10%, you'd earn about Rs 10,000 a year before tax. Banks deduct tax on profit; see [tax on bank profit](/money/guides/tax-on-bank-profit/) and [monthly profit on Rs 1 lakh to 1 crore](/money/guides/bank-profit-per-month/).

### JS Bank term deposits

The sheet effective **2 October 2026** pays **10.90%** on a one-year deposit of Rs 1 lakh to Rs 49.99 lakh with profit at maturity, or 10.25% with monthly profit. From Rs 50 lakh the one-year rate is 11.15%, and from Rs 1 crore it is **11.25%**. JS Bank calls these rates indicative. For other banks, see [fixed deposit rates in Pakistan](/money/guides/fixed-deposit-rates-pakistan/).

## What are JS Bank account charges?

From the July to December 2026 schedule, before FED and other taxes unless stated:

| Service | Charge |
|---|---|
| Withdrawal at a JS Bank ATM | Free |
| Withdrawal at another bank's ATM | Rs 35 (waived on some accounts) |
| Balance inquiry at another bank's ATM | Rs 4.67 |
| Transfer to another bank (digital) | Free up to Rs 25,000 a month; then 0.1% or Rs 200, whichever is lower (includes tax) |
| Raast transfer | Free |
| Transfer to another bank at the branch | Rs 200 up to Rs 5 lakh |
| PayPak debit card | Rs 1,000 to issue, Rs 1,500 a year, plus Rs 1,000 chip fee a year |
| Mastercard or Visa debit card, a year: Gold / Titanium / Platinum | Rs 2,500 / Rs 3,500 / Rs 7,000, plus Rs 1,000 to issue and Rs 1,000 chip fee |
| Cheque book (current accounts) | Rs 30 a leaf below Rs 50,000 average; Rs 15 a leaf above it or for the first book |
| Pay order | Rs 375 |
| SMS alerts | Rs 150 a month or Rs 1,800 a year (digital transaction alerts free) |
| Balance certificate | Rs 500 |
| Intercity transactions | Free on current accounts; Rs 500 each on savings accounts |
| International ATM or card payment | 4.5% or Rs 350, whichever is higher |
| Closing your account | Free |

The schedule exempts students, people receiving zakat, government employees' salary accounts and pension accounts from service charges. For JS Bank's credit cards, see [JS Bank credit cards](/money/guides/js-bank-credit-cards/). To compare banks, see [bank charges in Pakistan](/money/guides/bank-charges-pakistan/).

## How does JS Bank account opening work online?

**JS Blink** opens these accounts without a branch visit: **Asaan Digital, Asaan Digital Remittance, Freelancer Digital (rupees or dollars), Digital Current and Digital Savings**. It is free, you can apply for more than one account, and it covers conventional accounts only.

1. **Open the JS Mobile app or go to jsblink.jsbl.com.** Select "Open an Account", then "JS Blink Digital Account".
2. **Use the mobile number registered to your CNIC.** JS Blink needs a number registered against your CNIC with PTA.
3. **Fill in your details and upload documents.** That means a scan of your CNIC, your signature, and for salaried applicants a salary slip or employment contract and your latest bank statement.
4. **Wait for processing and finish biometric verification.** JS Bank says processing takes 2 working days. You then have 60 days to verify your biometrics, or the account closes on day 61.

JS Bank's page gives two routes for the biometric step: a branch visit after its email, or the JS Zindigi BVS app. JS Bank's website lists Zindigi as one of its platforms but gives no account terms for it. For other app-based options, see [digital banks in Pakistan](/money/guides/digital-banks-pakistan/).

An Asaan account at any bank is capped at **Rs 3 million** credit balance and **Rs 1 million** of debits a month, and you can hold only one per bank. See [Asaan account](/money/guides/asaan-account/) and [open a bank account online](/money/guides/open-bank-account-online/).

## What are the JS Bank account opening requirements?

Every bank must verify your biometrics (finger, face or iris) before opening an account. For JS Asaan Savings, the main document is your original CNIC (or NICOP or SNIC) with a copy. Regular and digital accounts can also need proof of income: salaried people give a salary slip or employment contract no more than 3 months old, and self-employed people give a self-declaration. The State Bank requires the bank to give you a **tracking ID** and decide within **2 working days** of complete documents.

## Which JS Bank account suits women, freelancers and people with disabilities?

- **JS HER Current (women):** whatever your balance, free cover up to **Rs 500,000** against 7 women's cancers, a free 10-leaf cheque book, one free pay order a month and 50% off loan processing fees. With a Rs 5,000 monthly average, maternity cover of Rs 100,000 (Rs 125,000 for a C-section) is added.
- **JS Freelancers Current:** for freelance and remote workers. You need a CNIC and proof of freelance income, such as platform profiles or payment statements. Transfers to other banks and EPRCs are free, and online card payments are waived up to Rs 5,000. See [freelancer payment methods](/business/guides/freelancer-payment-methods-pakistan/).
- **JS Inclusive Current:** for people with disabilities. No initial deposit, with a free PayPak card, SMS alerts, up to 2 pay orders a month and four 25-leaf cheque books a year.

## How do I find my JS Bank IBAN?

Pakistani IBANs are 24 characters: **PK**, two check digits, a four-letter bank code and your account number padded to 16 digits. The bank code is the first four letters of the SWIFT code. JS Bank's is **JSBLPKKA**, so its IBANs carry **JSBL**. Only JS Bank can generate your IBAN, so copy it from your statement or the app. See [IBAN number in Pakistan](/money/guides/iban-number-pakistan/).

More guides: [BankIslami accounts](/money/guides/bankislami-accounts/), [Soneri Bank accounts](/money/guides/soneri-bank-accounts/), [Askari Bank accounts](/money/guides/askari-bank-accounts/), [savings account profit rates](/money/guides/savings-account-profit-rates/), [best bank in Pakistan](/money/guides/best-bank-in-pakistan/), [Money](/money/).

## Questions people ask

### How can I open a JS Bank account online?

Use JS Blink in the JS Mobile app or at jsblink.jsbl.com. It opens Asaan Digital, Asaan Digital Remittance, Freelancer Digital, Digital Current and Digital Savings accounts for free, and JS Bank says processing takes 2 working days.

### What are JS Bank account opening charges?

Opening an account through JS Blink is free, and the JS Asaan Current and Asaan Savings accounts open with Rs 100. Under the July to December 2026 schedule, closing an account is also free.

### What are the JS Bank account opening requirements?

Every account needs a CNIC and biometric verification. For JS Blink, salaried applicants also give a salary slip or employment contract and their latest bank statement; self-employed applicants give a self-declaration and a bank statement or proof of business.

### How do I track my JS Bank account opening?

Under the State Bank's 2025 onboarding rules, every bank must give you a tracking ID and decide within 2 working days of receiving complete documents. Keep the ID JS Bank gives you and quote it to the helpline.

### What is the JS Bank saving account profit rate?

On the sheet effective 1 October 2026, all JS Bank rupee savings accounts pay individuals 10.00% on balances up to Rs 1 crore. Above that, the rate drops to 7.00% and rises in steps to 9.50% from Rs 100 crore.

## Sources

- [Profit Payout Rates, savings w.e.f. 1 Oct 2026, term deposits w.e.f. 2 Oct 2026](https://www.jsbl.com/wp-content/uploads/2023/01/LCY-Rack-Rates-02-Oct-26.pdf), JS Bank (accessed 24 Oct 2026)
- [Schedule of Charges, July to December 2026](https://www.jsbl.com/wp-content/uploads/2026/05/Schedule-of-Charges-July-to-December-2026-English.pdf), JS Bank (accessed 24 Oct 2026)
- [Key Fact Statement for Deposit Accounts, July to December 2026](https://www.jsbl.com/wp-content/uploads/2026/08/Deposits-Accounts-KFS-H2-2026-Eng.pdf), JS Bank (accessed 24 Oct 2026)
- [JS Blink: digital account opening](https://www.jsbl.com/personal/accounts/current-accounts/js-blink/), JS Bank (accessed 24 Oct 2026)
- [JS account pages (Asaan Current, Asaan Savings, Basic Banking, Rupee Plus, Premium, HER, Freelancers, Inclusive)](https://www.jsbl.com/personal/accounts/current-accounts/js-asaan/), JS Bank (accessed 24 Oct 2026)
- [Zindigi](https://www.jsbl.com/zindigi/), JS Bank (accessed 24 Oct 2026)
- [Consolidated Customer Onboarding Framework (Internet Archive copy)](https://web.archive.org/web/20251024162111/https://www.sbp.org.pk/bprd/2025/C1-Consolidated-Customer-Onboarding-Framework.pdf), State Bank of Pakistan (accessed 22 Oct 2026)
- [Guidelines: IBAN Implementation in Pakistan (Internet Archive copy)](https://web.archive.org/web/20240630162406/https://www.sbp.org.pk/psd/2012/IBAN-Guidelines-CL02-2012.pdf), State Bank of Pakistan (accessed 17 Oct 2026)
- [JSBLPKKAXXX SWIFT code](https://wise.com/us/swift-codes/JSBLPKKAXXX), Wise (accessed 24 Oct 2026)