Debit card
Visa
Older official doc- Online & in shops abroad
- 4%
- ATM cash abroad
- 4%
- Tax on the fee
- + 15–16% provincial sales tax
- 236Y advance tax
- 0.5% filer · 1% non-filer
- Latest schedule we could find is Jan–Jun 2026.
Schedule: Jan–Jun 2026
Checked · Schedule Jan–Jun 2026
BankIslami foreign transaction feeand everything else you pay on a card abroad
BankIslami Pakistan charges 4% on its debit 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 BankIslami's own schedule of charges highlighted.
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 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
BankIslami's own document, 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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BankIslami · Schedule of Bank Charges, 1 Jan – 30 Jun 2026 · PDF p.7 of 33
BankIslami: 4% POS, online & ATM
“BankIslami Card on International POS — 4.00% of Amount · BankIslami Card on International ATM — 4.00% of Transaction Amount”
Compare
How BankIslami 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% |
| 2Meezan · FCY debit card | 3% | Rs 5,761.64 | 4.0% |
| 3Allied Bank · Credit card | up to 4% | Rs 5,825.91 | 5.1% |
| 4Allied Bank · Debit card | 4% (min Rs 100) | Rs 5,825.91 | 5.1% |
| 5BankIslami · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 6HBL · Credit card | 4% | Rs 5,825.91 | 5.1% |
| 7HBL · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 8HBL · USD debit card | 4% | Rs 5,825.91 | 5.1% |
| 9Mashreq NEO · NEO debit | 4% | Rs 5,825.91 | 5.1% |
| 10MCB · Credit card | 4% (min Rs 100) | Rs 5,825.91 | 5.1% |
| 11Meezan · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 12Raqami · Visa debit | 4% | Rs 5,825.91 | 5.1% |
| 13Bank of Punjab · Debit card | 4.25% | Rs 5,841.99 | 5.4% |
| 14MCB · Debit card | 4.4% (min Rs 100) | Rs 5,851.63 | 5.6% |
| 15Bank Alfalah · Credit card | 4.5% (min Rs 125) | Rs 5,858.06 | 5.7% |
| 16Bank Alfalah · Debit card | 4.5% | Rs 5,858.06 | 5.7% |
| 17Bank AL Habib · Credit card | 4.5% | Rs 5,858.06 | 5.7% |
| 18Bank AL Habib · Visa Platinum debit | 4.5% | Rs 5,858.06 | 5.7% |
| 19Faysal Bank · Noor credit card | 4.5% | Rs 5,858.06 | 5.7% |
| 20UBL · Credit card | 4.5% (min Rs 100) | Rs 5,858.06 | 5.7% |
| 21Askari · Credit card | 4.85% | Rs 5,880.55 | 6.1% |
| 22SadaPay · Mastercard | 6% (+Rs 55 up to Rs 800), tax included | Rs 5,901.28 | 6.5% |
| 23Standard Chartered · Credit card | up to 6% + Re 1/USD | Rs 5,977.68 | 7.9% |
| 24JS Bank · Credit card | 5% (min Rs 450) | Rs 6,090.81 | 9.9% |
Questions
BankIslami's charges, answered
How much does BankIslami charge on international transactions?
Debit card (Visa): 4% of the payment. On a $20 card payment by a filer with an account in Punjab, the debit card costs Rs 5,825.91 in total, Rs 284.81 (5.1%) more than the market rate.
Is there tax on BankIslami'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 BankIslami charge to withdraw cash abroad?
Debit card: 4% 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 BankIslami figures come from?
From the bank's own schedule, but the previous half-year (the newest one couldn't be found). The exact lines are highlighted below, and the full documents are on Jhatka's documents page.