Debit card
Visa & UnionPay–PayPak
Official doc- Online & in shops abroad
- 4% (min Rs 100)
- ATM cash abroad
- 4% (min Rs 100)
- Tax on the fee
- + 15–16% provincial sales tax
- 236Y advance tax
- 0.5% filer · 1% non-filer
Schedule: Jul–Dec 2026
Checked · Schedule Jul–Dec 2026
Allied Bank foreign transaction feeand everything else you pay on a card abroad
Allied Bank Limited charges 4% (min Rs 100) on its debit card and up to 4% on its credit card when you pay in a foreign currency, plus provincial sales tax on that fee. On top comes 0.5% advance tax under Section 236Y (1% for non-filers). Here's what that adds up to, with Allied Bank's own schedule of charges highlighted.
Credit card
Visa Gold & Platinum
Official doc- Online & in shops abroad
- up to 4%
- ATM cash abroad
- Not compared for credit cards
- Tax on the fee
- + 15–16% provincial sales tax
- 236Y advance tax
- 0.5% filer · 1% non-filer
- Charged as 'up to 4% over' the dollar rate. We show the maximum.
Schedule: Jul–Dec 2026
Worked examples
What a payment really costs
At Rs 277.05 per US dollar (market rate, 28 Oct 2026), for a filer with an account in Punjab. The dollar moves every day; the calculator uses today's rate.
| You pay | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $5 | Rs 1,385.27 | Rs 100.00min | Rs 16.00 | Rs 6.93 | Rs 1,508.20 | 8.9% |
| $20 | Rs 5,541.10 | Rs 221.64 | Rs 35.46 | Rs 27.71 | Rs 5,825.91 | 5.1% |
| $50 | Rs 13,852.75 | Rs 554.11 | Rs 88.66 | Rs 69.26 | Rs 14,564.78 | 5.1% |
| $100 | Rs 27,705.49 | Rs 1,108.22 | Rs 177.32 | Rs 138.53 | Rs 29,129.56 | 5.1% |
| $500 | Rs 138,527.47 | Rs 5,541.10 | Rs 886.58 | Rs 692.64 | Rs 145,647.79 | 5.1% |
| You pay | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $5 | Rs 1,385.27 | Rs 55.41 | Rs 8.87 | Rs 6.93 | Rs 1,456.48 | 5.1% |
| $20 | Rs 5,541.10 | Rs 221.64 | Rs 35.46 | Rs 27.71 | Rs 5,825.91 | 5.1% |
| $50 | Rs 13,852.75 | Rs 554.11 | Rs 88.66 | Rs 69.26 | Rs 14,564.78 | 5.1% |
| $100 | Rs 27,705.49 | Rs 1,108.22 | Rs 177.32 | Rs 138.53 | Rs 29,129.56 | 5.1% |
| $500 | Rs 138,527.47 | Rs 5,541.10 | Rs 886.58 | Rs 692.64 | Rs 145,647.79 | 5.1% |
| You withdraw | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $100 | Rs 27,705.49 | Rs 1,108.22 | Rs 177.32 | Rs 138.53 | Rs 29,129.56 | 5.1% |
| $300 | Rs 83,116.48 | Rs 3,324.66 | Rs 531.95 | Rs 415.58 | Rs 87,388.67 | 5.1% |
min the minimum fee applied. Sindh accounts paying a foreign streaming, software or cloud service add 3%.
The receipts
Where these numbers come from
Allied Bank's own documents, with the lines we read highlighted. The taxes on every card come from FBR's rate card and the provincial tax laws.
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Allied Bank · Schedule of Charges, Jul–Dec 2026 · PDF p.13 of 27
ABL debit: currency conversion fee 4% or Rs 100
“(b) Currency Conversion Fee (For All PKR and FCY Transactions settled in Foreign Currency) — 4% of transaction amount or Rs. 100 whichever is higher”
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Allied Bank · Schedule of Charges, Jul–Dec 2026 · PDF p.10 of 27
ABL credit: up to 4% over the dollar rate
“Upto 4% over prevailing interbank or open market rate, whichever is applicable, on the date of settlement on all foreign currency transactions”
Compare
How Allied Bank compares
Every card for a $20 card payment, cheapest first (filer, Punjab, Rs 277.05 per dollar).
| Card | Fee | Total for $20 | Extra |
|---|---|---|---|
| 1Zindigi · Visa debit | 1%, tax included | Rs 5,624.22 | 1.5% |
| 2NayaPay · Visa debit | $0.25 flat | Rs 5,649.15 | 1.9% |
| 3Meezan · FCY debit card | 3% | Rs 5,761.64 | 4.0% |
| 4Askari · Ikhlas Visa debit | 3.5% | Rs 5,793.78 | 4.6% |
| 5Allied Bank · Credit card | up to 4% | Rs 5,825.91 | 5.1% |
| 6Allied Bank · Debit card | 4% (min Rs 100) | Rs 5,825.91 | 5.1% |
| 7BankIslami · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 8HBL · Credit card | 4% | Rs 5,825.91 | 5.1% |
| 9HBL · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 10HBL · USD debit card | 4% | Rs 5,825.91 | 5.1% |
| 11Mashreq NEO · NEO debit | 4% | Rs 5,825.91 | 5.1% |
| 12MCB · Credit card | 4% (min Rs 100) | Rs 5,825.91 | 5.1% |
| 13Meezan · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 14NBP · Virtual card | 4% | Rs 5,825.91 | 5.1% |
| 15Raqami · Visa debit | 4% | Rs 5,825.91 | 5.1% |
| 16Bank of Punjab · Debit card | 4.25% | Rs 5,841.99 | 5.4% |
| 17MCB · Debit card | 4.4% (min Rs 100) | Rs 5,851.63 | 5.6% |
| 18Bank Alfalah · Credit card | 4.5% (min Rs 125) | Rs 5,858.06 | 5.7% |
| 19Bank Alfalah · Debit card | 4.5% | Rs 5,858.06 | 5.7% |
| 20Bank AL Habib · Credit card | 4.5% | Rs 5,858.06 | 5.7% |
| 21Bank AL Habib · Visa debit card | 4.5% | Rs 5,858.06 | 5.7% |
| 22Faysal Bank · Noor credit card | 4.5% | Rs 5,858.06 | 5.7% |
| 23UBL · Credit card | 4.5% (min Rs 100) | Rs 5,858.06 | 5.7% |
| 24UBL · Debit card | 4.5% (min Rs 150) | Rs 5,858.06 | 5.7% |
| 25Askari · Credit card | 4.85% | Rs 5,880.55 | 6.1% |
| 26SadaPay · Mastercard | 6% (+Rs 55 up to Rs 800), tax included | Rs 5,901.28 | 6.5% |
| 27JS Bank · Debit card | 4.5% (min Rs 350) | Rs 5,974.81 | 7.8% |
| 28NBP · Debit card | 4% (min Rs 350) | Rs 5,974.81 | 7.8% |
| 29Standard Chartered · Credit card | up to 6% + Re 1/USD | Rs 5,977.68 | 7.9% |
| 30Standard Chartered · Debit card | up to 8% | Rs 6,083.03 | 9.8% |
| 31JS Bank · Credit card | 5% (min Rs 450) | Rs 6,090.81 | 9.9% |
Questions
Allied Bank's charges, answered
How much does Allied Bank charge on international transactions?
Debit card (Visa & UnionPay–PayPak): 4% (min Rs 100) of the payment. Credit card (Visa Gold & Platinum): up to 4% of the payment. On a $20 card payment by a filer with an account in Punjab, the credit card costs Rs 5,825.91 in total, Rs 284.81 (5.1%) more than the market rate.
Is there tax on Allied Bank's foreign transaction fee?
Yes. Provincial sales tax is added to the fee, at 15–16% depending on the province of your account's branch. 236Y advance tax of 0.5% (filer) or 1% (non-filer) is charged on the whole amount.
How much does Allied Bank charge to withdraw cash abroad?
Debit card: 4% (min Rs 100) per withdrawal. Taking out $100 with the debit card costs Rs 29,129.56 in all, including tax on the fee and 236Y.
Where do these Allied Bank figures come from?
Read directly from the bank's own current schedule. The exact lines are highlighted below, and the full documents are on Jhatka's documents page.