Samba Bank Limited

Samba Bank Limited Pakistan offers a full range of branded banking products. These cover retail, corporate, Islamic, and investment categories. Each product has unique technical specifications.

Retail Banking for Individuals

Samba Bank provides the Roshan Digital Account. It allows 100% digital account opening. This uses the Samba BVS biometric app for CNIC verification. Instant PKR/FCY accounts are issued through the Roshan Digital platform. A Digital Account for Resident Pakistanis also allows 10-minute online AOF. It includes camera-based document upload. Biometric verification uses the Samba BVS app from home. The Asaan Account needs a PKR 100 minimum opening deposit. It includes an NFC-enabled, chip-based Samba Master®/PayPak Debit Card.

The Savings Plus Account calculates profit on daily balance. Profit payout occurs monthly. Term Deposit Accounts offer flexible tenors. These range from 1 Week to 5 Years. An auto-renewal facility allows seamless rollover. FCY Accounts enable multi-currency deposits. Currencies include USD, GBP, EUR, Riyal, and Dirham. Break-Free overdraft is available up to 87% of the rupee deposit.

Personal Loans provide financing up to PKR 4 million. Tenor can extend up to 48 months. A 0% pre-payment penalty option is available. Auto Loans have a floating rate option. It is 1Y-KIBOR + 3.50-7.50%. Down payment starts at 30% for new or used vehicles. Samba Home Loan finances up to 75% of property value. Mark-up is 1Y-KIBOR + 3.00-4.50%. Tenure can be 2 to 20 years.

The EFU Single Premium Plan offers unit-linked investment in EFU funds. These are Growth, Guaranteed, and Aggressive. A fund switching fee of PKR 500 per switch applies. Lockers Facility comes in multiple sizes: Small, Medium, Large. Annual rentals range from PKR 4,250 to PKR 7,000. Auto-deduction of rent is enabled. Wide insurance coverage for contents is provided. Samba Debit MasterCard® variants include PayPak, Blue, and Gold. Tiered daily ATM/POS limits go up to PKR 400,000 locally and internationally.

Corporate & Business Banking

Samba Access provides Corporate Internet Banking. It uses 128-bit SSL encryption with digital certificates. Maker-checker multi-level authorization is included. It also offers real-time payment processing. Account Services include PKR/USD/EUR/GBP Current & Savings Accounts. These provide unlimited transactions. SMS alerts and customizable statement frequency are available.

The Term Finance Solution offers Bi-Lateral Term Loans. These are in local or foreign currency structured on cash-flows. ECA/DFI-backed long-term loans with export credit guarantees are also available. Trade Financing Product includes Pre-shipment & Post-shipment Export Refinancing. This operates under an SBP scheme. Export Bill Discounting and Negotiation provide faster liquidity. Trade Services cover Import/Export Letters of Credit. These are Sight, Deferred, and Confirmed. Standby Letters of Credit are offered. Performance/Advance Payment Guarantees are also available. Working Capital Solution provides Running Finance facility. It is linked to stock or receivables. Cash Finance against pledged goods comes with one-year limits.

Islamic Banking & Takaful

Samba Bank offers the EFU Takaful Savings Plan. It features unit-linked PIF funds: Growth, Conservative, and Aggressive. A Wakala investment fee of 0.125% p.m. applies. The Bid-Offer spread is 5%. The EFU Takaful Education & Marriage Plan uses a mix of Balanced and Income PIF funds. Allocation charge follows a sliding scale of 42.50% over policy years. The IGI Wahid Takaful Single Contribution Plan requires a one-time contribution. Its Bid-Offer spread is 5%. Mudarib share is 40% of investment income. There is a nil allocation fee. These products adhere to Shariah principles.

Investment in Islamic Naya Pakistan Certificates (INPCs) is available. Tenors are 3 Months, 6 Months, 12 Months, 3 Years, and 5 Years. These are in PKR, USD, GBP, and EUR. Profit payout is on a maturity-basis for short tenors. It is semi-annual for long tenors.

Investment & Global Markets

The Money Markets Desk facilitates Repo / Reverse Repo. It also handles Call/Clean lending. Trading in T-Bills, PIBs, and GOP Ijara Sukuk is offered. These provide competitive yields.

Updated information on April 6, 2026, reveals Samba Bank's continued focus on personal and auto financing solutions. The Personal Loan product offers financing up to PKR 4 million with repayment tenors extending up to 48 months. A notable feature is the option for a 0% pre-payment penalty, providing significant flexibility for borrowers.

The Auto Loan facility from Samba Bank now includes a floating rate option, structured as 1Y-KIBOR + 3.50-7.50%. This competitive rate applies to both new and used vehicles, with a minimum down payment starting at 30% of the vehicle's value. These terms are designed to make vehicle ownership more accessible to a wider range of customers.

For housing finance, the Samba Home Loan covers up to 75% of the property value. The mark-up rate is set at 1Y-KIBOR + 3.00-4.50%, with flexible tenure options ranging from 2 to 20 years. This makes Samba Home Loan an attractive option for individuals looking to purchase or construct their homes, offering competitive rates and extended repayment periods.