How to open a bank account online in Pakistan using a bank app or Asaan Digital Account — the documents you need, the video/biometric verification, and activation.
Most Pakistani banks now let you open an account entirely from your phone through a mobile app or the Asaan Digital Account scheme — no branch visit needed for basic accounts. You need a valid CNIC and a mobile number registered in your name, and the whole process usually takes minutes.
Choose a bank (compare features on our Banks page), download its official app from the Play Store or App Store, and follow the digital onboarding. Verification is done with your CNIC and a live selfie or video call. This guide covers the general steps.
Compare banks and pick an account — for a simple, low-requirement option choose an "Asaan" account. See the Banks page to compare helplines and features.
Install the bank's official app from the Google Play Store or Apple App Store. Check the developer name matches the bank to avoid fake apps.
Open the app, choose "Open an account", and enter your CNIC number and a mobile number registered on your own CNIC.
Photograph your CNIC (front and back) and take a live selfie. Some banks add a short video call for biometric verification.
Provide your personal information, address, occupation and purpose of the account, and set your login credentials.
Enter the one-time password (OTP) sent to your registered mobile number to confirm it belongs to you.
Once approved, your account (and often a digital debit card) is activated. Add money via a transfer or deposit to start using it.
Yes. Through bank apps and the Asaan Digital Account scheme you can open a basic account fully online using your CNIC and a selfie/video verification.
A valid CNIC, a mobile number registered in your own name, and a smartphone. Some account types ask for proof of income or address.
Yes. The Asaan (meaning "easy") Account has lighter documentation and lower minimum balance requirements, designed for first-time and low-income customers.