# Soneri Bank accounts compared: which account to open

URL: https://which.pk/money/guides/soneri-bank-accounts/
Author: Hassam
Updated: 22 Oct 2026

## Summary

On Soneri Bank's rate sheet dated 5 September 2026, PLS Savings, Soneri Savings, Sahara and Asaan Saving pay 10.00% and Roshan Savings and Youngsters Minor Savings 10.10%, up to a Rs 10 million monthly average. The Soneri Current Account opens with Rs 100 and has no minimum balance charge. Eight conventional accounts open online through Soneri Digital Onboarding. Other banks' ATMs cost Rs 35 and transfers to other banks are free up to Rs 25,000 a month.

## Key facts

- Ordinary savings (5 Sep 2026): 10.00%
- Roshan and Youngsters savings: 10.10%
- Other bank's ATM (Jul–Dec 2026): Rs 35
- Soneri Current Account: Opens with Rs 100

For Soneri Bank account opening, start with what you need. Most of its rupee savings accounts pay **10% a year** (rate sheet dated 5 September 2026), and two pay **10.10%**. For an everyday account, the **Soneri Current Account** opens with **Rs 100** and has no minimum balance charge. Eight conventional accounts, including Current, PLS Savings and Asaan Digital, can be opened online without visiting a branch.

**Soneri Bank savings rate:** 10.00% a year (PLS Savings, Soneri Savings, Sahara and Asaan Saving, on the rate sheet dated 5 September 2026. Roshan Savings and Youngsters Minor Savings pay 10.10%. Above a Rs 10 million monthly average, individuals get 9.5%.)

**Where these details come from:** We read Soneri Bank's rate sheet, its July to December 2026 schedule of charges (and its October 2026 addendum), its key fact statements from July 2026 and its account pages on 22 October 2026. Charges are before FED and sales tax unless stated. Confirm any fee at the branch before you rely on it.

## Which Soneri Bank account should I open?

| You want | Soneri account | Why |
|---|---|---|
| Profit, paid twice a year | PLS Savings | 10.00%; opens with Rs 100; no minimum balance |
| Monthly profit | Soneri Savings | 10.00%, paid on the 1st of each month; Rs 5,000 average or Rs 50 a month |
| An everyday account with no fee | Soneri Current | Opens with Rs 100; no minimum balance charge |
| An account with only a CNIC | Asaan (current or saving) | Minimum documents; Rs 3 million credit limit |
| An account at 60 or older | Sahara | 10.00%, monthly profit; no initial deposit |
| An account for a child | Youngsters Minor Savings | 10.10%, monthly profit; birth to 18 |
| Profit on a large current balance | Sarmaya | Current account paying 7.50% to 9.50% from Rs 10 lakh |
| To get paid from abroad as a freelancer | Freelancer | Rupee account plus a dollar, pound or euro account for 50% of earnings |

## What are the Soneri Bank account types?

Profit rates are from the rate sheet dated 5 September 2026. Opening amounts and balance rules are from the July 2026 key fact statements and schedule of charges.

| Account | Type | Profit | Paid | To open | Balance rule |
|---|---|---|---|---|---|
| PLS Savings | Savings | 10.00% | Twice a year | Rs 100 | No minimum |
| Soneri Savings | Savings | 10.00% | Monthly | Rs 1,000 | Rs 50 a month below Rs 5,000 average |
| Sahara (senior citizens) | Savings | 10.00% | Monthly | Nil | No minimum |
| Asaan Saving | Savings | 10.00% | Monthly | Rs 100 | No minimum; Rs 3 million credit limit |
| Youngsters Minor Savings | Savings | 10.10% | Monthly | Rs 100 | No minimum |
| Roshan Savings | Savings | 10.10% | Quarterly | Nil | No minimum |
| Soneri Current | Current | None | n/a | Rs 100 | No minimum balance charge |
| Ikhtiar | Current | None | n/a | Rs 1,000 | Rs 50 a month below Rs 5,000 average |
| Ladies First | Current | None | n/a | Rs 1,000 | No minimum balance charge |
| Asaan Current | Current | None | n/a | Rs 100 | No minimum; Rs 3 million credit limit |
| Basic Banking | Current | None | n/a | Rs 1,000 | 2 deposits and 2 cheque withdrawals a month free, then Rs 50 each |
| Sarmaya | Current, paying profit | 0% to 9.50% by balance | Monthly | Nil | No minimum |

Public limited companies, financial institutions and public sector enterprises earn **7.50%** on savings. Islamic (Mustaqeem) accounts are separate products and aren't covered here.

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

On the rate sheet dated 5 September 2026:

| Account | Rate |
|---|---|
| PLS Savings, Pensioner's Saving, Soneri Savings, Sahara | 10.00% |
| Asaan Saving, Asaan Digital Saving, Freelancer Saving, Remit Direct Saving | 10.00% |
| Roshan Savings, Youngsters Minor Savings | 10.10% |
| Any of these above a Rs 10 million monthly average (individuals) | 9.5% |

On Rs 1 lakh at 10%, that is 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/).

The **Sarmaya Account** is a current account that pays nothing below Rs 10 lakh, then **7.50%** from Rs 10 lakh, **8.50%** from Rs 25 lakh and **9.50%** from Rs 50 lakh. Up to Rs 1 crore, an ordinary savings account at 10% pays more at every balance.

### Soneri Bank term deposits

If you can lock money away, the **Salana Amdani Account** pays **11.00%** for one year, with profit at maturity. A standard one-year term deposit pays 10.75% at maturity or 10.50% monthly, from a minimum of Rs 25,000. The **Monthly Munafa Account** pays 10.75% monthly for one year and 9.00% for five. For other banks, see [fixed deposit rates in Pakistan](/money/guides/fixed-deposit-rates-pakistan/).

## What are Soneri Bank account charges?

From the July to December 2026 schedule, before FED and sales tax unless stated:

| Service | Charge |
|---|---|
| Withdrawal at a Soneri ATM | Free |
| Withdrawal at another bank's ATM | Rs 35 (includes FED) |
| Transfer to another bank by 1Link (app, internet, ATM) | Free up to Rs 25,000 a month; then 0.1% or Rs 200, whichever is less |
| Raast transfer | Free |
| Debit card, a year: PayPak / Standard / Gold / Platinum | Rs 3,000 / Rs 4,000 / Rs 5,000 / Rs 10,000 |
| Visa Signature debit card, a year | Rs 20,000 |
| Cheque book | Free on non-profit current accounts; Rs 30 a leaf on others |
| Banker's cheque | Free on non-profit current accounts; Rs 550 on others |
| SMS alerts for branch transactions | Rs 300 a month (digital transactions free) |
| Account maintenance or balance certificate | Free from digital channels; Rs 500 at a branch |
| International ATM or online card payment | Rs 500 or 4.50%, whichever is higher |
| Closing your account | Free |

Soneri added its Visa debit cards to this schedule in a public notice posted in October 2026, at the same yearly fees as the Mastercard tiers, plus Women and Youngsters Visa cards at Rs 4,000. The Youngsters Minor Savings account has no first-year fee on PayPak or Standard cards. For other banks' fees, see [bank charges in Pakistan](/money/guides/bank-charges-pakistan/).

## How does Soneri Bank account opening work online?

Soneri Bank's **Digital Onboarding** opens these conventional accounts without a branch visit: **Asaan Digital, Asaan Digital Remittance, Freelance Digital, Soneri Current, Ladies First Current, PLS Savings, Ikhtiar and Soneri Saving**. Islamic (Mustaqeem) versions can be opened the same way.

1. **Start on Soneri's onboarding website or the Soneri Digital app.** Choose the account type.
2. **Enter your CNIC details and finish biometric verification.** Every bank must verify you through NADRA (finger, face or iris) before opening an account.
3. **Upload any income proof asked for.** Regular accounts can need proof of income, such as a salary slip; Asaan accounts need less.
4. **Keep the tracking ID.** Under the State Bank's 2025 rules, the bank must give you one and decide within 2 working days of complete documents.

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/).

## Which Soneri Bank account suits seniors, children, women and freelancers?

- **Sahara (senior citizens):** a savings account with no initial deposit or minimum balance and **monthly profit** at 10.00%. Joint accounts, and minors' accounts under a senior citizen's guardianship, are allowed.
- **Youngsters Minor Savings (under 18):** from birth to the 18th birthday, one account per child. It pays **10.10%** monthly, has no minimum balance and a free first 25-leaf cheque book. See [student bank accounts](/money/guides/student-bank-account-pakistan/).
- **Ladies First:** a current account for women, alone or jointly with another woman. It opens with Rs 1,000, has no minimum balance charge, 3 free banker's cheques a month and 50% off the locker key deposit.
- **Freelancer:** for freelancers and IT service providers, as a current or savings account with no minimum balance. A linked foreign currency account in dollars, pounds or euros lets you keep **50%** of your export earnings in foreign currency. See [freelancer payment methods](/business/guides/freelancer-payment-methods-pakistan/).

## How do I find my Soneri Bank IBAN?

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

More guides: [Askari Bank accounts](/money/guides/askari-bank-accounts/), [MCB accounts](/money/guides/mcb-accounts/), [Allied Bank accounts](/money/guides/allied-bank-accounts/), [Meezan Bank accounts](/money/guides/meezan-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 Soneri Bank account online?

Use Soneri Digital Onboarding or the Soneri Digital app. Asaan Digital, Asaan Digital Remittance, Freelance Digital, Current, Ladies First Current, PLS Savings, Ikhtiar and Soneri Saving accounts open without a branch visit.

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

On Soneri's rate sheet dated 5 September 2026, PLS Savings, Soneri Savings, Sahara and Asaan Saving pay 10.00% a year, and Roshan Savings and Youngsters Minor Savings 10.10%. Above a Rs 10 million monthly average, individuals get 9.5%.

### What is the minimum balance for a Soneri Bank account?

Most Soneri accounts have no minimum balance charge. The Ikhtiar current account and the Soneri Savings Account charge Rs 50 a month if your monthly average falls below Rs 5,000.

### How do I convert a Soneri Bank account number to IBAN?

A Soneri IBAN is PK, two check digits, the bank code SONE, then your account number padded to 16 digits. Only the bank can generate it, so copy it from your statement or the app, or ask the branch.

### How do I get a Soneri Bank account maintenance certificate?

It is free if you request it through Soneri's digital channels and Rs 500 at a branch, plus tax, under the July to December 2026 schedule of charges.

## Sources

- [Pak Rupee rate sheet (w.e.f. 5 September 2026)](https://soneribank.com/personal/news-update/rate-sheets/pak-rupee), Soneri Bank (accessed 22 Oct 2026)
- [Schedule of Bank Charges, 1 July to 31 December 2026](https://soneri-bank.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2026/05/29135907/SBL-Conventional-SOC-July-to-Dec-2026-Final.pdf), Soneri Bank (accessed 22 Oct 2026)
- [Addendum to Schedule of Charges Jul to Dec 2026 (public notice)](https://soneri-bank.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2026/10/21072817/Addendum-to-Schedule-of-Charges-Jul-to-Dec-2026.pdf), Soneri Bank (accessed 22 Oct 2026)
- [Key Fact Statement, current accounts (w.e.f. 1 July 2026)](https://soneri-bank.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2026/07/06115829/3-Page-Deposit-Products-Current-effective-01-July-2026-English-1.pdf), Soneri Bank (accessed 22 Oct 2026)
- [Key Fact Statement, savings accounts (w.e.f. 1 July 2026)](https://soneri-bank.nyc3.cdn.digitaloceanspaces.com/wp-content/uploads/2026/07/10085437/3-Page-Deposit-Products-Savings-effective-01-July-2026-English-1.pdf), Soneri Bank (accessed 22 Oct 2026)
- [Soneri Digital Onboarding](https://soneribank.com/digital/soneri-digital-onboarding-2), Soneri Bank (accessed 22 Oct 2026)
- [Soneri account pages (Current, Ikhtiar, PLS Savings, Soneri Savings, Sahara, Asaan, Youngsters, Freelancer, Ladies First)](https://soneribank.com/personal/accounts), Soneri Bank (accessed 22 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)
- [SONEPKKAXXX SWIFT code](https://wise.com/us/swift-codes/SONEPKKAXXX), Wise (accessed 22 Oct 2026)