Best pakistani bank for freelancers in 2023 [ Ultimate Guide ]

If you are a freelancer then you are very well known you can’t get your earning easily in Pakistan. So in this article, I will share with you the best pakistani bank for freelancers.

Best pakistani bank for freelancers

Also, I will tell you how you can get your money in Pakistan from worldwide. But before we start let’s talk about some criteria to open a bank account. The main criteria is the age you need to be at least 18 years old. Because of your ID card, The main document that you need is your ID card. 

But if you are less than 18, Then you have also options. But here you need to use any family member to make an account.

How to choose the Bank

bank selection is the most important part, because if you choose the wrong bank then you can’t get your money easily. The most important thing is fees, Yes, Before opening an account check the fee structure of that bank. 

Like how much tax that bank deducts on transactions like IBFT. Because when you make the account, Bank can’t tell you anything properly and you just sign every document blindly. 

If you can’t confirm useful information then in future you will regret it. The second type is a Debit card be sure your bank gives you Mastercard or Visa Card. 

Because these ate the two types of debit cards that you can use to do international transactions for e-commerce. For example, you can buy a domain and hosting with these cards. 

The third thing is a tax because in Pakistan the tax for freelancers is 0.25%. So if your bank cut any hidden charges don’t open the account. The last thing is international payment acceptance, Specially Payoneer access. 

Must Read: How to start freelancing
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List of best pakistani bank for freelancers

There are a lot of banks in pakistan, But now I will share a list of banks that you can use to get your payment in pakistan easily. These banks provide your, freelancer, account with some extra perks and offers. So pick anyone that’s near you in pakistan. 

All banks that iam adding to this list provide you with MasterCard and visa cards. You can pick anyone based on your taste. 

Best banks for freelancers in pakistan

  • Faysal Bank
  • Meezan bank
  • Bank Alfalah
  • UBL ( United Bank Limited ) 

Faysal bank

The faysal bank is one of my favorite banks in terms of international payment.  The faysal bank is an Islamic bank. The faysal bank provides you freelancer account. But most of the bank employees can’t tell you. 

best pakistani bank for freelancers

So first ask them to open a freelancer account if the bank employee can’t agree with you. Then just open a simple current account on your ID. 

The main reason why iam adding this bank in the first position is Direct access to Payonner through the Faysal bank app. After making faysal bank you can use the faysal bank app, In the app, you can connect your Payoneer account with faysal bank and withdraw your earrings. 

I have 2 accounts for freelancing and one of my favorite accounts is a faysal bank account. But the thing I don’t like is customer support. Faysal bank customer support is irritating.

But don’t worry the solution is the faysal bank chatbot. The faysal bank has a whatsapp chatbot, with this chatbot almost you can do work easily, Like getting estatement, account information, and many more. 


  • Freelancing account 
  • Payoneer access with the app
  • Whatsapp chatbot 
  • Simple Account open process
  • Debit card powered by visa and MasterCard


  • Little face some bad customer support

Meezan bank 

The second bank is meezan you can open your account with meezan bank to get benefits. But for opening an account here you need to fulfill some requirements. 

meezan bank

Requirements to open an account in meezan bank 

  • Valid Source of income (Past 3-month statements / Certificate / Contracts with the client)
  • Proof of your Skills and work ( Your Course Certificate ) 
  • Provide valid ways to make money from Freelancing ( Market Place account / Clients contracts/ Job Letter if you are doing remort work ) 
  • NTN Number ( You can easily make your own NTN number easily ) 

These are some documents that you need to open your freelancing account in meezan bank. Also, you can get a lot of benefits with these accounts like a free chequebook, Free pay orders, Free internet banking, and Unlimited withdrawals. 

Also, the best part that I like about meezan bank is if you want to invest your income. Then you can easily invest your income through meezan bank. 


  • Unlimited withdrawals 
  • Free cheque book
  • Free Pay order 
  • Online Banking by app and website 
  • Inward foreign remittance 
  • SMS Alert 
  • Easy access to generate IBN Number
  • Meezan bank accepts foreign currency 


  • Personally, I face misbehaving by bank employees ( When I ask i need to open a freelancer account, the bank manager told me I can’t open a freelancer account. When i ask the reason why I can’t open an account. He told me we can’t provide any freelancing account. 

Bank Alfalah

Bank alfalah is the top bank in pakistan. Because of services, if you are a freelancer and need the best account for you. Then bank alfalah is the best option for you. 

bank alfalah

In Alfalah bank you can easily open a bank account with minimum paperwork. Also, alfalah bank has no hidden cost. That makes this bank more reliable for you. 

The best thing that I like is that alfalah bank has a virtual debit card powered by MasterCard. That means you can easily use your account t buy something from any website securely. Because a virtual debit card makes your transactions secure. 

Also, the debit card that alfalah provides you has MasterCard and visa access. Just you need to choose one and order at that time. When your bank account opens. 


  • No minimum balance requirement 
  • Issuance of Chequebook 
  • No Hidden cost 
  • Secure payments 
  • Virtual Cards
  • Free SMS alert 
  • Free E-statements
  • Monthly limit of 5000 USD
  • Cash Withdrawal limit 500,000


  • Limited Branches 

UBL ( United Bank Limited ) 

United bank limited is the next bank that iam adding to this list. I was said I have two banks account the first one that I have in faysal bank and the secound one in UBL. 


I use ubl and faysal bank freelancer accounts parallel. Both banks are amazing in terms of services. Honestly speaking I use UBL bank mostly to buy something online. Like SEO tools, domains, hosting, and much more stuff. 

But with this, if I need to get direct international payment I use the UBL account to get that money. 

I have UBl Full verified digital account, with this account I use services without tax. Also, I get a UBL MasterCard free of cost. And the charges of this account is free for a lifetime. 


  • Secure bank account 
  • Virtual Cards
  • Easy to make accounts for freelancers
  • Fast receiving 
  • Easy and modern Apps
  • Free of cost Debit card 
  • Free cheque card 


  • No fast customer support 

These are the four banks that provide you with freelancing accounts with the best services. 

How to get your money 

Now I will tell you how you can get your money in pakistan. There are multiple options you can use to get your money. 

  • Paypal 
  • Payoneer
  • Skrill 

These are some options that you can use to get your money. But Payoneer is the best option for pakistani. I use a Payoneer account for the last 3 years to withdraw money in pakistan. Payoneer gives you international access to get your money easily in a different currency.

Like USD, Euro, GBP, CAD, AUD, JPY, and CNH. You can use Payoneer to withdraw money from these all banks. But in a faysal bank account, you can directly use Payoneer and withdraw money easily. 

Also, the best option is JazzCash if you don’t have a bank account. You can use JazzCash you withdraw money easily. Just install the JazzCash app then in the app you can connect your jazzcash with Payoneer. 

How to open a Bank account 

Every bank account has its own process to open a freelancer account for you. But the basic documents are just NIC cards. But the best way is to go to the bank and then know the requirements for bank accounts. 

So after getting the requirements you can easily make your documents. Then apply your bank account. But when you apply account ask the bank employee to apply for MasterCard or visa card. 


These are the best pakistani bank for freelancers. Pakistani freelancers face a lot of problems and the main problems are money-related things. But in this article, I will share with you a solution that help you to get your money in Pakistan.

If you are a freelancer then my recommendation is to register yourself in PSEB. When you register in PSEB then you got a certificate. With this certificate, you will get a lot of benefits as a freelancer in Pakistan.

I hope you will get all information that you need.

Thanks for reading the best pakistani bank for freelancers
Hamza Asghar AKA Digital Hamza

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