Soneri Bank accounts compared: which account to open

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.

Which Soneri Bank account should I open?

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.

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:

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 and monthly profit on Rs 1 lakh to 1 crore.

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.

What are Soneri Bank account charges?

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

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.

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.

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 and open a 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.
• 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.

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.

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