{ "version": "2026.10.28", "lastVerified": "2026-10-28", "nextReview": "2027-01-01", "fx": { "liveApi": "https://open.er-api.com/v6/latest/USD", "liveProvider": "ExchangeRate-API (open.er-api.com)", "snapshot": { "asOf": "2026-10-28T00:02:31Z", "source": "web-erapi-fx", "rates": { "PKR": 277.054944, "EUR": 0.897453, "GBP": 0.751056, "AED": 3.6725, "SAR": 3.75, "QAR": 3.64, "OMR": 0.384497, "KWD": 0.310652, "BHD": 0.376, "CAD": 1.404056, "AUD": 1.422618, "TRY": 49.810129, "MYR": 4.088906, "CNY": 6.681042, "JPY": 157.892678, "SGD": 1.281211, "THB": 33.772379, "CHF": 0.828754 } }, "interbank": { "close": 276.77, "asOf": "2026-10-28", "source": "web-brecorder-fx" }, "openMarket": { "sell": 280.05, "interbankSell": 277.20, "asOf": "2026-10-28", "source": "doc-hamariweb", "premium": 0.01028 }, "currencies": [ { "code": "USD", "name": "US dollar", "symbol": "$" }, { "code": "EUR", "name": "Euro", "symbol": "€" }, { "code": "GBP", "name": "British pound", "symbol": "£" }, { "code": "AED", "name": "UAE dirham", "symbol": "AED " }, { "code": "SAR", "name": "Saudi riyal", "symbol": "SAR " }, { "code": "QAR", "name": "Qatari riyal", "symbol": "QAR " }, { "code": "CAD", "name": "Canadian dollar", "symbol": "C$" }, { "code": "AUD", "name": "Australian dollar", "symbol": "A$" }, { "code": "TRY", "name": "Turkish lira", "symbol": "₺" }, { "code": "MYR", "name": "Malaysian ringgit", "symbol": "RM " }, { "code": "CNY", "name": "Chinese yuan", "symbol": "¥" }, { "code": "THB", "name": "Thai baht", "symbol": "฿" } ] }, "tax": { "wht236y": { "name": "Advance tax, Section 236Y", "filer": 0.5, "nonFiler": 1.0, "previous": { "filer": 5, "nonFiler": 10, "until": "2026-06-30" }, "effective": "2026-07-01", "adjustable": true, "cite": ["fbr-236y", "kpmg-fa-236y", "kpmg-fa-236y-adj"] }, "provinces": [ { "id": "punjab", "name": "Punjab", "rate": 16, "authority": "PRA", "confidence": "official", "cite": ["kpmg-punjab-16"] }, { "id": "sindh", "name": "Sindh", "rate": 15, "authority": "SRB", "confidence": "excerpt", "cite": ["doc-srb"] }, { "id": "kp", "name": "Khyber Pakhtunkhwa", "rate": 15, "authority": "KPRA", "confidence": "excerpt", "cite": ["doc-kpra"] }, { "id": "balochistan", "name": "Balochistan", "rate": 15, "authority": "BRA", "confidence": "secondary", "cite": ["doc-provincial-secondary"] }, { "id": "islamabad", "name": "Islamabad (ICT)", "rate": 0, "authority": "—", "confidence": "excerpt", "cite": ["doc-bop"], "note": "Bank schedules (BOP, Askari) say no PST/FED is recovered at Islamabad branches. Check your own statement." }, { "id": "ajk", "name": "Azad Kashmir", "rate": 0, "authority": "—", "confidence": "excerpt", "cite": ["doc-bop"] }, { "id": "gb", "name": "Gilgit-Baltistan", "rate": 0, "authority": "—", "confidence": "excerpt", "cite": ["doc-bop"] } ], "sindhIt": { "name": "Sindh sales tax on foreign IT & streaming services", "rate": 3, "province": "sindh", "uses": ["digital"], "confidence": "secondary", "cite": ["web-ey-sindh", "web-propakistani-netflix"] } }, "uses": [ { "id": "digital", "label": "Streaming / software", "hint": "A card payment for foreign streaming, apps, AI tools or cloud. Same bank fee as any purchase; Sindh adds 3%.", "icon": "play" }, { "id": "shopping", "label": "Card payment", "hint": "Online from a foreign website, or in a shop abroad", "icon": "card" }, { "id": "atm", "label": "ATM cash", "hint": "Withdrawing cash from a foreign ATM", "icon": "atm" } ], "issuers": { "hbl": { "name": "HBL", "full": "Habib Bank Limited", "mono": "HBL", "hue": "peacock", "logo": "assets/logos/hbl.webp" }, "meezan": { "name": "Meezan", "full": "Meezan Bank", "mono": "MZN", "hue": "leaf", "logo": "assets/logos/meezan.webp" }, "alfalah": { "name": "Bank Alfalah", "full": "Bank Alfalah", "mono": "BAF", "hue": "chili", "logo": "assets/logos/alfalah.webp" }, "mcb": { "name": "MCB", "full": "MCB Bank", "mono": "MCB", "hue": "leaf", "logo": "assets/logos/mcb.webp" }, "abl": { "name": "Allied Bank", "full": "Allied Bank Limited", "mono": "ABL", "hue": "indigo", "logo": "assets/logos/abl.webp" }, "raqami": { "name": "Raqami", "full": "Raqami Islamic Digital Bank", "mono": "RQM", "hue": "rani", "logo": "assets/logos/raqami.webp" }, "mashreq": { "name": "Mashreq NEO", "full": "Mashreq Bank Pakistan", "mono": "NEO", "hue": "chili", "logo": "assets/logos/mashreq.webp" }, "bankislami": { "name": "BankIslami", "full": "BankIslami Pakistan", "mono": "BIP", "hue": "peacock", "logo": "assets/logos/bankislami.webp" }, "sadapay": { "name": "SadaPay", "full": "SadaPay (EMI)", "mono": "SP", "hue": "rani", "logo": "assets/logos/sadapay.webp" }, "zindigi": { "name": "Zindigi", "full": "Zindigi by JS Bank", "mono": "ZDG", "hue": "peacock", "logo": "assets/logos/zindigi.webp" }, "bop": { "name": "Bank of Punjab", "full": "The Bank of Punjab", "mono": "BOP", "hue": "marigold", "logo": "assets/logos/bop.webp" }, "bahl": { "name": "Bank AL Habib", "full": "Bank AL Habib", "mono": "BAH", "hue": "indigo", "logo": "assets/logos/bahl.webp" }, "ubl": { "name": "UBL", "full": "United Bank Limited", "mono": "UBL", "hue": "indigo", "logo": "assets/logos/ubl.webp" }, "askari": { "name": "Askari", "full": "Askari Bank", "mono": "AKB", "hue": "marigold", "logo": "assets/logos/askari.webp" }, "js": { "name": "JS Bank", "full": "JS Bank", "mono": "JS", "hue": "chili", "logo": "assets/logos/js.webp" }, "scb": { "name": "Standard Chartered", "full": "Standard Chartered Pakistan", "mono": "SC", "hue": "leaf", "logo": "assets/logos/scb.webp" }, "faysal": { "name": "Faysal Bank", "full": "Faysal Bank", "mono": "FBL", "hue": "marigold", "logo": "assets/logos/faysal.webp" }, "nayapay": { "name": "NayaPay", "full": "NayaPay (EMI)", "mono": "NP", "hue": "chili", "logo": "assets/logos/nayapay.webp" }, "nbp": { "name": "NBP", "full": "National Bank of Pakistan", "mono": "NBP", "hue": "leaf", "logo": "assets/logos/nbp.webp" }, "easypaisa": { "name": "Easypaisa", "full": "Easypaisa Digital Bank", "mono": "EP", "hue": "leaf", "logo": "assets/logos/easypaisa.webp" }, "jazzcash": { "name": "JazzCash", "full": "JazzCash / Mobilink Bank", "mono": "JC", "hue": "marigold", "logo": "assets/logos/jazzcash.webp" } }, "products": [ { "id": "hbl-debit", "issuer": "hbl", "name": "Debit card", "detail": "Visa, Mastercard & UnionPay (PKR)", "kind": "debit", "purchase": { "pct": 4 }, "atm": { "pct": 4, "min": 300 }, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["hbl-debit-pos"], "atm": ["hbl-debit-atm"], "tax": ["hbl-debit-pos"] } }, { "id": "hbl-credit", "issuer": "hbl", "name": "Credit card", "detail": "Green, Gold, Platinum, FuelSaver", "kind": "credit", "purchase": { "pct": 4 }, "atm": null, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["hbl-credit-ftc"] } }, { "id": "hbl-usd", "issuer": "hbl", "name": "USD debit card", "detail": "Visa Chip USD — from a dollar account", "kind": "fcy", "purchase": { "pct": 4 }, "atm": { "pct": 4, "minUsd": 3 }, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["hbl-debit-pos"], "atm": ["hbl-debit-atm"] }, "notes": ["Paid from your USD account, so there's no rupee conversion. Shown in rupees only to compare.", "HBL waived this fee 1 Jun – 31 Jul 2026; the 4% resumed on 1 Aug 2026."] }, { "id": "meezan-debit", "issuer": "meezan", "name": "Debit card", "detail": "Visa & Mastercard — Classic to Infinite", "kind": "debit", "purchase": { "pct": 4 }, "atm": { "pct": 4, "min": 600 }, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["meezan-purchase"], "atm": ["meezan-purchase"], "tax": ["meezan-notes"] }, "notes": ["Its schedule still prints the old 5% / 10% advance tax. The law changed to 0.5% / 1% on 1 July 2026.", "The September 2026 fee waiver has ended."] }, { "id": "meezan-fcy", "issuer": "meezan", "name": "FCY debit card", "detail": "Mastercard — from a dollar account", "kind": "fcy", "purchase": { "pct": 3 }, "atm": { "pct": 4, "minUsd": 3 }, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["meezan-purchase"], "atm": ["meezan-purchase"], "tax": ["meezan-notes"] }, "notes": ["Paid from your foreign-currency account, so there's no rupee conversion."] }, { "id": "alfalah-debit", "issuer": "alfalah", "name": "Debit card", "detail": "Visa & Mastercard", "kind": "debit", "purchase": { "pct": 4.5 }, "atm": { "pct": 4, "min": 400 }, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["alfalah-debit"], "atm": ["alfalah-debit"], "tax": ["alfalah-credit"] } }, { "id": "alfalah-credit", "issuer": "alfalah", "name": "Credit card", "detail": "Classic, Gold, Platinum, Signature, AMEX", "kind": "credit", "purchase": { "pct": 4.5, "min": 125 }, "atm": null, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["alfalah-credit"], "tax": ["alfalah-credit"] }, "notes": ["Its schedule (drafted May 2026) still prints the old 5% / 10% advance tax."] }, { "id": "mcb-debit", "issuer": "mcb", "name": "Debit card", "detail": "Visa Silver to Signature", "kind": "debit", "purchase": { "pct": 4.4, "min": 100 }, "atm": { "pct": 4.5, "min": 100 }, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["mcb-debit"], "atm": ["mcb-debit"], "tax": ["mcb-debit"], "fx": ["mcb-fx-note"] }, "notes": ["If MCB has to buy dollars in the open market, it charges the rate difference separately."] }, { "id": "mcb-credit", "issuer": "mcb", "name": "Credit card", "detail": "Classic, Gold, Platinum", "kind": "credit", "purchase": { "pct": 4, "min": 100 }, "atm": null, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["mcb-credit"], "fx": ["mcb-credit"] }, "notes": ["Settled by buying dollars in the open market. The rate difference is charged separately, so pick 'Open market' above for a closer estimate."] }, { "id": "abl-debit", "issuer": "abl", "name": "Debit card", "detail": "Visa & UnionPay–PayPak", "kind": "debit", "purchase": { "pct": 4, "min": 100 }, "atm": { "pct": 4, "min": 100 }, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["abl-debit"], "atm": ["abl-debit"] } }, { "id": "abl-credit", "issuer": "abl", "name": "Credit card", "detail": "Visa Gold & Platinum", "kind": "credit", "purchase": { "pct": 4, "upTo": true }, "atm": null, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["abl-credit"] }, "notes": ["Charged as 'up to 4% over' the dollar rate. We show the maximum."] }, { "id": "raqami-debit", "issuer": "raqami", "name": "Visa debit", "detail": "Classic & Platinum", "kind": "debit", "purchase": { "pct": 4 }, "atm": { "pct": 4, "min": 300 }, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["web-raqami"], "atm": ["web-raqami"] } }, { "id": "mashreq-debit", "issuer": "mashreq", "name": "NEO debit", "detail": "Mastercard", "kind": "debit", "purchase": { "pct": 4 }, "atm": { "pct": 4, "min": 200 }, "feeTax": "exclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["mashreq-intl"], "atm": ["mashreq-intl"] } }, { "id": "bankislami-debit", "issuer": "bankislami", "name": "Debit card", "detail": "Visa", "kind": "debit", "purchase": { "pct": 4 }, "atm": { "pct": 4 }, "feeTax": "exclusive", "confidence": "official-old", "period": "Jan–Jun 2026", "cite": { "fee": ["bankislami-intl"], "atm": ["bankislami-intl"] }, "notes": ["Latest schedule we could find is Jan–Jun 2026."] }, { "id": "sadapay", "issuer": "sadapay", "name": "Mastercard", "detail": "Physical & virtual", "kind": "wallet", "purchase": { "pct": 6, "smallFlat": 55, "smallUpTo": 800 }, "atm": { "flat": 250 }, "feeTax": "inclusive", "confidence": "official", "period": "Jul–Dec 2026", "cite": { "fee": ["web-sadapay"], "atm": ["web-sadapay"] }, "notes": ["SadaPay's fee already includes tax.", "Its page still states the old 5% / 10% withholding tax."] }, { "id": "zindigi", "issuer": "zindigi", "name": "Visa debit", "detail": "Branchless wallet card", "kind": "wallet", "purchase": { "pct": 1 }, "atm": { "pct": 1, "min": 1000 }, "feeTax": "inclusive", "confidence": "official", "period": "Oct–Dec 2026", "cite": { "fee": ["zindigi-intl"], "atm": ["zindigi-intl"], "tax": ["zindigi-intl"] }, "notes": ["Charges are inclusive of FED.", "Already applies the new 0.5% / 1% withholding tax."] }, { "id": "bop-debit", "issuer": "bop", "name": "Debit card", "detail": "International debit", "kind": "debit", "purchase": { "pct": 4.25 }, "atm": null, "feeTax": "exclusive", "confidence": "excerpt", "period": "Jul–Dec 2026", "cite": { "fee": ["doc-bop"] }, "notes": ["Read from a search-index excerpt of BOP's schedule; the PDF wouldn't download."] }, { "id": "bahl-debit", "issuer": "bahl", "name": "Visa Platinum debit", "detail": "Visa Platinum", "kind": "debit", "purchase": { "pct": 4.5 }, "atm": null, "feeTax": "exclusive", "confidence": "excerpt", "period": "2026", "cite": { "fee": ["doc-bahl"] }, "notes": ["Read from a search-index excerpt of Bank AL Habib's card page; the site reset our connection."] }, { "id": "ubl-credit", "issuer": "ubl", "name": "Credit card", "detail": "Visa Classic, Gold, Platinum", "kind": "credit", "purchase": { "pct": 4.5, "min": 100 }, "atm": null, "feeTax": "exclusive", "confidence": "secondary", "period": "Jul–Dec 2026", "cite": { "fee": ["web-whichpk-credit"] } }, { "id": "askari-credit", "issuer": "askari", "name": "Credit card", "detail": "Mastercard Classic to World", "kind": "credit", "purchase": { "pct": 4.85 }, "atm": null, "feeTax": "exclusive", "confidence": "secondary", "period": "from 10 Jul 2026", "cite": { "fee": ["web-whichpk-credit"] } }, { "id": "js-credit", "issuer": "js", "name": "Credit card", "detail": "Classic & Platinum", "kind": "credit", "purchase": { "pct": 5, "min": 450 }, "atm": null, "feeTax": "exclusive", "confidence": "secondary", "period": "Jul–Dec 2026", "cite": { "fee": ["web-whichpk-credit"] } }, { "id": "scb-credit", "issuer": "scb", "name": "Credit card", "detail": "Platinum & World", "kind": "credit", "purchase": { "pct": 6, "perUsd": 1, "upTo": true }, "atm": null, "feeTax": "exclusive", "confidence": "secondary", "period": "Jul 2026", "cite": { "fee": ["web-whichpk-credit"] }, "notes": ["Reported as Re 1 per US dollar plus up to 6%. We show the maximum."] }, { "id": "bahl-credit", "issuer": "bahl", "name": "Credit card", "detail": "Platinum", "kind": "credit", "purchase": { "pct": 4.5 }, "atm": null, "feeTax": "exclusive", "confidence": "secondary", "period": "2026", "cite": { "fee": ["web-whichpk-credit"] } }, { "id": "faysal-credit", "issuer": "faysal", "name": "Noor credit card", "detail": "Islamic credit card", "kind": "credit", "purchase": { "pct": 4.5 }, "atm": null, "feeTax": "exclusive", "confidence": "secondary", "period": "Jul–Dec 2026", "cite": { "fee": ["web-whichpk-credit"] } } ], "unverified": [ { "issuer": "nayapay", "name": "NayaPay Visa", "why": "Its schedule is published as an image we couldn't read. Blogs claim 3.5–5% plus 'FX settlement costs'.", "cite": ["web-nayapay-fx", "web-nayapay-failed"] }, { "issuer": "ubl", "name": "UBL debit card", "why": "UBL's website refused every automated download (HTTP 503).", "cite": ["doc-ubl"] }, { "issuer": "nbp", "name": "NBP debit card", "why": "Its Jul–Dec 2026 schedule is a scanned image." }, { "issuer": "easypaisa", "name": "Easypaisa Visa", "why": "Its retail schedule blocked automated access (HTTP 403)." }, { "issuer": "jazzcash", "name": "JazzCash Mastercard", "why": "No public schedule with international charges found." }, { "issuer": "askari", "name": "Askari debit card", "why": "Askari's site blocked automated access (HTTP 403)." }, { "issuer": "js", "name": "JS Bank debit card", "why": "Its H2 2026 fact sheet has no international line." }, { "issuer": "scb", "name": "Standard Chartered debit", "why": "The only schedule on sc.com is from 2018." }, { "issuer": "faysal", "name": "Faysal debit card", "why": "Last seen as 4% or Rs 300 in its 2025 schedule. The 2026 PDF blocked us (HTTP 403)." }, { "issuer": "alfalah", "name": "Alfa UnionPay wallet card", "why": "Lists 2% plus 'up to 5% over market rate', which makes the real cost unknowable.", "cite": ["alfalah-alfa-cup"] } ], "claims": [ { "id": "calc-convert", "group": "calc", "where": "Calculator · step 1", "text": "A price in euros, dirhams or another currency is converted to US dollars at the market rate", "cite": ["web-erapi-fx"] }, { "id": "calc-bank-rate", "group": "calc", "where": "Calculator · step 2", "text": "The bank turns dollars into rupees at the rate it buys dollars at: interbank, or open market for some cards", "cite": ["doc-hbl-web#0", "mcb-fx-note", "meezan-notes"] }, { "id": "calc-fee", "group": "calc", "where": "Calculator · step 3", "text": "The bank's fee is a percentage of the rupee amount, with a minimum per payment at some banks", "cite": ["hbl-debit-pos", "mcb-debit", "abl-debit"] }, { "id": "calc-tax-on-fee", "group": "calc", "where": "Calculator · step 4", "text": "Provincial sales tax (FED/ST) is charged on the fee only, at the rate of your account branch's province", "cite": ["hbl-debit-pos", "mcb-debit", "meezan-notes", "doc-hbl-web#1"] }, { "id": "calc-236y", "group": "calc", "where": "Calculator · step 5", "text": "236Y advance tax is charged on the whole rupee amount: 0.5% for filers, 1% for non-filers", "cite": ["fbr-236y", "kpmg-fa-236y-adj"] }, { "id": "calc-sindh-it", "group": "calc", "where": "Calculator · step 6", "text": "Sindh accounts paying a foreign streaming, software or cloud service also pay 3% on the amount", "conf": "secondary", "cite": ["web-ey-sindh", "web-propakistani-netflix"] }, { "id": "fx-open-cards", "group": "fx", "where": "Calculator · dollar rate", "text": "Some cards settle at the open-market rate and charge the difference separately (e.g. MCB credit cards)", "cite": ["mcb-credit", "abl-credit"] }, { "id": "fp-236y-cut", "group": "fine", "where": "Fine print 01", "text": "Section 236Y was cut from 5% / 10% to 0.5% / 1% on 1 July 2026", "cite": ["fbr-236y", "kpmg-fa-236y", "web-profit-budget", "web-pkrevenue-236y"] }, { "id": "fp-old-rate", "group": "fine", "where": "Fine print 01", "text": "Meezan's and Bank Alfalah's Jul–Dec 2026 schedules and SadaPay's page still print the old 5% / 10%", "cite": ["meezan-notes", "web-meezan-world", "alfalah-credit", "web-sadapay", "web-pakera-236y"] }, { "id": "fp-adjustable", "group": "fine", "where": "Fine print 02", "text": "236Y is adjustable: it counts against your yearly tax when you file a return", "cite": ["kpmg-fa-236y-adj"] }, { "id": "fp-minimum", "group": "fine", "where": "Fine print 03", "text": "MCB charges at least Rs 100 per foreign payment, Allied Bank too", "cite": ["mcb-debit", "abl-debit"] }, { "id": "fp-30k", "group": "fine", "where": "Fine print 04", "text": "SBP's annual limit: USD 30,000 per person in international card payments, for personal needs only", "cite": ["sbp-30k"] }, { "id": "fp-pkr", "group": "fine", "where": "Fine print 05", "text": "A foreign payment priced in rupees still carries the bank's conversion costs", "cite": ["web-nayapay-fx", "abl-credit"] }, { "id": "fp-declines", "group": "fine", "where": "Fine print 06", "text": "Declined payments: MCB Rs 110 each, Meezan Rs 99 after every 10th, Raqami Rs 50 after the 10th, NayaPay 5 free", "cite": ["mcb-debit", "meezan-purchase", "web-raqami", "web-nayapay-failed"] }, { "id": "fp-waivers", "group": "fine", "where": "Fine print 07", "text": "Meezan waived its fee for September 2026 and HBL for June–July 2026 on its USD card; both have ended", "cite": ["meezan-campaign", "web-meezan-campaign", "doc-hbl-web#1"] } ], "documents": [ { "id": "doc-fbr", "type": "official", "title": "Withholding Income Tax Rate Card — Tax Year 2027", "publisher": "Federal Board of Revenue (FBR)", "date": "Updated to 30 Jun 2026 (Finance Act 2026)", "retrieved": "2026-10-28", "url": "https://download1.fbr.gov.pk/Docs/202681113864992WithholdingTaxRatesCard2027.pdf", "file": "sources/pdf/fbr-withholding-tax-card-ty2027.pdf", "citations": [ { "snap": "fbr-236y", "printed": "17", "supports": "Advance tax 236Y: 0.5% filer / 1% non-filer", "quote": "236Y Amount Remitted Abroad — Amount remitted abroad through credit, debit or prepaid cards — 0.50% (ATL) · 1.00% (Non-ATL)", "note": "The green shading is FBR's own: it marks rows changed by the Finance Act 2026." } ] }, { "id": "doc-kpmg-fa", "type": "analysis", "title": "A Brief of Finance Act, 2026", "publisher": "KPMG Taseer Hadi & Co.", "date": "July 2026", "retrieved": "2026-10-28", "url": "https://assets.kpmg.com/content/dam/kpmgsites/pk/pdf/2026/07/A%20Brief%20of%20Finance%20Act%202026.pdf.coredownload.inline.pdf", "file": "sources/pdf/kpmg-brief-finance-act-2026.pdf", "citations": [ { "snap": "kpmg-fa-236y", "supports": "Finance Act 2026 cut 236Y from 5% to 0.5%", "quote": "The Act has reduced rate of advance tax on remittance through credit, debit or prepaid cards from 5% to 0.5%." }, { "snap": "kpmg-fa-236y-adj", "printed": "47", "supports": "236Y is adjustable: 0.5% / 1%, deducted by the bank", "quote": "236Y — Advance tax on persons remitting amounts abroad through credit or debit or prepaid cards — 0.5 / 1 — Adjustable — Tax deduction by every banking company" } ] }, { "id": "doc-kpmg-prov", "type": "analysis", "title": "A Brief of Provincial Tax Laws, 2026", "publisher": "KPMG Taseer Hadi & Co.", "date": "July 2026", "retrieved": "2026-10-28", "url": "https://assets.kpmg.com/content/dam/kpmgsites/pk/pdf/2026/07/A-Brief-of-Provincial-Tax-Laws-2026.pdf.coredownload.inline.pdf", "file": "sources/pdf/kpmg-brief-provincial-tax-laws-2026.pdf", "citations": [ { "snap": "kpmg-punjab-16", "supports": "Punjab sales tax on services: standard rate 16%", "quote": "…the standard tax rate of 16% will continue to apply where the conditions prescribed under clause (a) are not fulfilled." } ] }, { "id": "doc-sbp", "type": "official", "title": "SBP rationalizes limits for FX cash carrying and cross-border transactions through debit or credit cards", "publisher": "State Bank of Pakistan", "date": "8 Nov 2022", "retrieved": "2026-10-28", "url": "https://www.sbp.org.pk/assets/documents/press-release/Pr2-08-Nov-2022.pdf", "file": "sources/pdf/sbp-press-release-2022-11-08.pdf", "citations": [ { "snap": "sbp-30k", "printed": "1", "supports": "USD 30,000 yearly cap on card spending abroad, per person", "quote": "Besides, an annual limit of USD30,000 has been prescribed for individuals for international transactions." } ] }, { "id": "doc-hbl", "type": "bank", "title": "Schedule of Bank Charges, July–December 2026", "publisher": "HBL", "date": "Effective 1 Jul – 31 Dec 2026", "retrieved": "2026-10-28", "url": "https://www.hbl.com/assets/documents/Schedule_of_Bank_Charges_for_July_to_December_2026_%E2%80%93_English.pdf", "file": "sources/pdf/hbl-schedule-of-charges-jul-dec-2026.pdf", "citations": [ { "snap": "hbl-debit-pos", "printed": "21", "supports": "HBL debit: 4% on international POS & online; FED/ST applicable", "quote": "f · POS Transaction fee per transaction, International — Visa Chip: 4% of Transaction Amount … MasterCard World: 4% · FED/ST Applicable: YES" }, { "snap": "hbl-debit-atm", "printed": "21", "supports": "HBL debit: ATM abroad 4% or Rs 300", "quote": "g · ATMs International (Cash withdrawal) — 4% of Transaction Amount or Rs.300/- per Transaction, whichever is higher" }, { "snap": "hbl-credit-ftc", "printed": "16", "supports": "HBL credit: 4% foreign transaction charge", "quote": "q · Foreign Transaction Charges — 4% of transaction amount" } ] }, { "id": "doc-meezan", "type": "bank", "title": "Schedule of Service Charges, July–December 2026", "publisher": "Meezan Bank", "date": "Effective 1 Jul – 31 Dec 2026", "retrieved": "2026-10-28", "url": "https://www.meezanbank.com/wp-content/themes/mbl/downloads/home-downloads/SOC-ENG-Jul-Dec-2026.pdf", "file": "sources/pdf/meezan-schedule-of-charges-jul-dec-2026.pdf", "citations": [ { "snap": "meezan-purchase", "printed": "12", "supports": "Meezan: 4% international purchases, 3% FCY card, ATM 4% or Rs 600; Rs 99 after every 10th declined payment", "quote": "Purchase International (e-Commerce, POS & NFC) — 4% of transaction amount · Purchase International – FCY Debit Card — 3% · Cash Withdrawal – International ATM — 4% of Amount or Rs.600 whichever is higher · Rejected Cross border Transactions. (After every 10th decline) — Rs. 99/-" }, { "snap": "meezan-notes", "printed": "13", "supports": "Taxes extra; FX at interbank or open market; outdated 5%/10% advance tax", "quote": "All charges are exclusive of applicable government levies, including FED, provincial sales tax on services… Conversion rate… inter-bank rate or open market rate… Advance Tax… Filer: 5% & Non-Filer: 10%" } ] }, { "id": "doc-meezan-campaign", "type": "bank", "title": "T&Cs — Save Big on Foreign Transaction Fee", "publisher": "Meezan Bank", "date": "Campaign 1–30 Sep 2026 (ended)", "retrieved": "2026-10-28", "url": "https://www.meezanbank.com/wp-content/uploads/2026/07/xbCampaign-TnCs-Jul26.pdf", "file": "sources/pdf/meezan-fee-waiver-campaign-tnc-sep-2026.pdf", "citations": [ { "snap": "meezan-campaign", "printed": "1", "supports": "A temporary waiver, now over", "quote": "valid from September 01, 2026, to September 30, 2026 … capped at PKR 5,000 across all eligible transaction types" }, { "snap": "web-meezan-campaign", "supports": "Campaign page: 1.99% on e-commerce during the offer", "quote": "a reduced 1.99% Foreign Transaction Fee on international e-commerce transactions" } ] }, { "id": "doc-meezan-world", "type": "bank", "title": "Meezan World Debit Card — product page", "publisher": "Meezan Bank", "date": "Live page", "retrieved": "2026-10-28", "url": "https://www.meezanbank.com/world-debit-card/", "citations": [ { "snap": "web-meezan-world", "supports": "Bank pages still show the old 5% / 10% advance tax", "quote": "Advance Tax on International transactions will be applied as follows: Filer: 5% and Non-Filer: 10%" } ] }, { "id": "doc-alfalah", "type": "bank", "title": "Schedule of Bank Charges (Conventional), 1 Jul – 31 Dec 2026", "publisher": "Bank Alfalah", "date": "Effective 1 Jul – 31 Dec 2026", "retrieved": "2026-10-28", "url": "https://prodbaf.blob.core.windows.net/data/SOC%20Conv%20English%20Black%20(Jul-Dec%202026)%2025-05-26.pdf", "file": "sources/pdf/bank-alfalah-schedule-of-charges-jul-dec-2026.pdf", "citations": [ { "snap": "alfalah-debit", "printed": "27", "supports": "Alfalah debit: 4.5% FCY fee; ATM Rs 400 or 4%", "quote": "g) FCY Fee on International Transactions — 4.5% of Transaction Amount · c) From International ATMs (Visa member banks) — Rs. 400/- or 4% of cash withdrawal amount, whichever is higher" }, { "snap": "alfalah-credit", "printed": "28", "supports": "Alfalah credit: 4.5% or Rs 125; FED extra; outdated 5% WHT text", "quote": "xxiv) Foreign Transactions — 4.5% of the transaction amount or Rs. 125/- which ever is higher · Federal Excise duty and other government charges where applicable are in addition" }, { "snap": "web-alfalah-soc", "supports": "Where the Jul–Dec 2026 schedule is published", "quote": "Schedule of Charges July-Dec 2026" }, { "snap": "alfalah-alfa-cup", "supports": "Alfa wallet UnionPay card: 2% POS, ATM Rs 225 or 2.5%, plus 'up to 5% over prevailing market rate'", "quote": "From CUP member bank International POS — 2% of the transaction amount · From CUP member bank International ATM — PKR 225/- or 2.5% of cash withdrawal amount, whichever is higher · Foreign Transactions — Up to 5% over prevailing market rate or as per SBP directive… Cross border transaction fee will also be charged.", "note": "Shown for Alfa Payroll accounts; the Alfa Account's UnionPay card lists the same terms on PDF pages 56–57." } ] }, { "id": "doc-mcb", "type": "bank", "title": "Schedule of Bank Charges, July–December 2026", "publisher": "MCB Bank", "date": "Effective 1 Jul – 31 Dec 2026", "retrieved": "2026-10-28", "url": "https://www.mcb.com.pk/assets/documents/SOBC-July-December-2026-English.pdf", "file": "sources/pdf/mcb-schedule-of-charges-jul-dec-2026.pdf", "citations": [ { "snap": "mcb-debit", "printed": "21", "supports": "MCB debit: 4.40% or Rs 100; ATM 4.5% or Rs 100", "quote": "7 · Foreign Transactions — 4.40% of transaction amount or Rs. 100/- whichever is higher on all foreign transactions" }, { "snap": "mcb-credit", "printed": "23", "supports": "MCB credit: Rs 100 or 4%; open-market difference charged separately", "quote": "Foreign Transaction Charges — Rs. 100/- or 4% whichever is higher … settled by purchasing dollar from open market … The difference of open market rate will be charged separately" }, { "snap": "mcb-fx-note", "printed": "22", "supports": "How MCB settles debit card FX", "quote": "…settled either at interbank rate or by purchasing dollar from open market… the bank will settle the transaction at interbank rate." } ] }, { "id": "doc-abl", "type": "bank", "title": "Schedule of Charges, Jul–Dec 2026", "publisher": "Allied Bank", "date": "Effective 1 Jul – 31 Dec 2026", "retrieved": "2026-10-28", "url": "https://www.abl.com/wp-content/uploads/2026/05/Schedule-of-Charges-Jul-dec-2026.pdf", "file": "sources/pdf/allied-bank-schedule-of-charges-jul-dec-2026.pdf", "citations": [ { "snap": "abl-debit", "printed": "13", "supports": "ABL debit: currency conversion fee 4% or Rs 100", "quote": "(b) Currency Conversion Fee (For All PKR and FCY Transactions settled in Foreign Currency) — 4% of transaction amount or Rs. 100 whichever is higher" }, { "snap": "abl-credit", "printed": "10", "supports": "ABL credit: up to 4% over the dollar rate", "quote": "Upto 4% over prevailing interbank or open market rate, whichever is applicable, on the date of settlement on all foreign currency transactions" } ] }, { "id": "doc-raqami", "type": "bank", "title": "Schedule of Charges (Addendum Jul–Dec 2026)", "publisher": "Raqami Islamic Digital Bank", "date": "Jul–Dec 2026", "retrieved": "2026-10-28", "url": "https://raqamidigital.com/schedule-of-charges/", "citations": [ { "snap": "web-raqami", "supports": "Raqami: 4% POS & e-commerce; ATM 4% or Rs 300", "quote": "International POS / E-commerce (Visa Classic) — 4% of Transaction Amount" } ] }, { "id": "doc-mashreq", "type": "bank", "title": "NEO Schedule of Charges, 1 Jul – 31 Dec 2026", "publisher": "Mashreq Bank Pakistan", "date": "Effective 1 Jul – 31 Dec 2026", "retrieved": "2026-10-28", "url": "https://www.mashreq.com/-/jssmedia/pdfs/pakistan/neo/accounts/soc-conventional-en-ur.ashx", "file": "sources/pdf/mashreq-neo-schedule-of-charges-jul-dec-2026.pdf", "citations": [ { "snap": "mashreq-intl", "supports": "NEO: 4% POS; ATM 4% or Rs 200", "quote": "International transactions (currency conversion fees): ATM cash withdrawal 4%… or PKR 200 whichever is higher · POS transaction 4% of transaction amount" } ] }, { "id": "doc-bankislami", "type": "bank", "title": "Schedule of Bank Charges, 1 Jan – 30 Jun 2026", "publisher": "BankIslami", "date": "Effective 1 Jan – 30 Jun 2026 (latest found)", "retrieved": "2026-10-28", "url": "https://bankislami.com.pk/wp-content/uploads/2025/12/Schedule-of-Charges-SOC-Jan-June-2026.pdf", "file": "sources/pdf/bankislami-schedule-of-charges-jan-jun-2026.pdf", "citations": [ { "snap": "bankislami-intl", "printed": "7", "supports": "BankIslami: 4% POS, online & ATM", "quote": "BankIslami Card on International POS — 4.00% of Amount · BankIslami Card on International ATM — 4.00% of Transaction Amount" } ] }, { "id": "doc-zindigi", "type": "bank", "title": "Schedule of Bank Charges — Zindigi by JSBL, Oct–Dec 2026", "publisher": "JS Bank (Zindigi)", "date": "Effective 1 Oct – 31 Dec 2026", "retrieved": "2026-10-28", "url": "https://zindigi.pk/wp-content/uploads/2025/06/Zindigi-SOC-Q3-2025.pdf", "file": "sources/pdf/zindigi-schedule-of-charges-oct-dec-2026.pdf", "citations": [ { "snap": "zindigi-intl", "printed": "1", "supports": "Zindigi: 1% POS; ATM Rs 1,000 or 1%; inclusive of FED; WHT 0.5%/1%", "quote": "International POS Transaction — 1% of transaction amount · International ATM Cash Withdrawal — PKR 1,000 or 1%, whichever is higher · WHT on International Transactions — 0.5% for filers and 1% for non-filers · (Charges are inclusive of FED)", "note": "Image-only PDF (no text layer): the highlight bands were placed by hand." } ] }, { "id": "doc-sadapay", "type": "bank", "title": "Schedule of Charges (July–December 2026)", "publisher": "SadaPay", "date": "Jul–Dec 2026 (revised June 2026)", "retrieved": "2026-10-28", "url": "https://sadapay.pk/soc", "citations": [ { "snap": "web-sadapay", "supports": "SadaPay: Rs 55 + 6% up to Rs 800, 6% above; ATM Rs 250 (tax included)", "quote": "International Transaction Fee Up To Rs. 800 — Rs. 55 + 6%* · Above Rs. 800 — 6%* · International ATM Fee — Rs. 250*" } ] }, { "id": "doc-nayapay", "type": "bank", "title": "NayaPay Help Center — charges", "publisher": "NayaPay", "date": "Live pages", "retrieved": "2026-10-28", "url": "https://help.nayapay.com/category/233-charges", "citations": [ { "snap": "web-nayapay-fx", "supports": "NayaPay adds 'FX settlement costs', even on PKR-priced foreign payments", "quote": "These are costs, fees and variances incurred while buying foreign exchange and settling this transaction." }, { "snap": "web-nayapay-failed", "supports": "5 free failed international transactions, then fees", "quote": "5 failed transactions" } ] }, { "id": "doc-whichpk", "type": "secondary", "title": "Best Credit Card in Pakistan? Fees, Markup, Lounges (2026)", "publisher": "which.pk", "date": "Updated 22 Oct 2026", "retrieved": "2026-10-28", "url": "https://which.pk/money/guides/credit-cards-pakistan-compared/", "citations": [ { "snap": "web-whichpk-credit", "supports": "Credit card fees for UBL, Askari, JS, Standard Chartered, Bank AL Habib, Faysal (from their Jul–Dec 2026 documents)", "quote": "Askari's Mastercard cards… 4.85% on foreign transactions (schedule effective 10 July 2026)" } ] }, { "id": "doc-profit", "type": "news", "title": "Budget 2026-27 proposes 90pc cut in tax on foreign card spending", "publisher": "Profit / Pakistan Today", "date": "12 Jun 2026", "retrieved": "2026-10-28", "url": "https://profit.pakistantoday.com.pk/2026/06/12/budget-2026-27-proposes-90pc-cut-in-tax-on-foreign-card-spending-to-push-digital-formalisation", "citations": [ { "snap": "web-profit-budget", "supports": "Budget speech: 5% → 0.5%", "quote": "…would be reduced from 5 per cent to 0.5 per cent." } ] }, { "id": "doc-pakera-236y", "type": "secondary", "title": "Tax on Card Payments Abroad in Pakistan Is Now 0.5%, Not 5%", "publisher": "Pakistan Era", "date": "10 Oct 2026", "retrieved": "2026-10-28", "url": "https://pakera.pk/card-payments-abroad-tax-236y-pakistan/", "citations": [ { "snap": "web-pakera-236y", "supports": "Banks' pages still quoted 5% / 10% on 9 Oct 2026", "quote": "…lists the advance tax on card payments abroad at 0.5% for people on the Active Taxpayers List (ATL) and 1% for everyone else." } ] }, { "id": "doc-pkrevenue", "type": "secondary", "title": "Tax rates on foreign transactions via credit or debit cards for Tax Year 2024", "publisher": "PkRevenue", "date": "2023", "retrieved": "2026-10-28", "url": "https://pkrevenue.com/tax-rates-on-foreign-transactions-via-credit-or-debit-cards-unveiled-for-tax-year-2024/", "citations": [ { "snap": "web-pkrevenue-236y", "supports": "History: 5% (filers) / 10% from tax year 2024", "quote": "5 percent withholding tax on the gross amount remitted abroad" } ] }, { "id": "doc-ey-sindh", "type": "analysis", "title": "Sindh issues rules for collecting sales tax on IT and advertisement services", "publisher": "EY", "date": "Oct 2023", "retrieved": "2026-10-28", "url": "https://www.ey.com/en_gl/technical/tax-alerts/pakistan---sindh-issues-rules-for-collecting-sales-tax-on-it-and", "citations": [ { "snap": "web-ey-sindh", "supports": "Sindh: banks collect 3% on foreign IT services incl. cloud streaming", "quote": "…software or IT-based system development consultant… including cloud-based content streaming services…" } ] }, { "id": "doc-propakistani-netflix", "type": "news", "title": "Banks Are Now Charging New Tax on Netflix Subscription Fees in Pakistan", "publisher": "ProPakistani", "date": "7 Jul 2024", "retrieved": "2026-10-28", "url": "https://propakistani.pk/2024/07/07/banks-are-now-charging-new-taxes-on-netflix-subscription-in-pakistan/", "citations": [ { "snap": "web-propakistani-netflix", "supports": "Banks charging Sindh's 3% on streaming", "quote": "3 percent Sales Tax on IT Services" } ] }, { "id": "doc-vatupdate", "type": "secondary", "title": "Pakistan introduces withholding tax on digital goods, suspends Digital Presence Proceeds Tax", "publisher": "VATupdate", "date": "14 Nov 2025", "retrieved": "2026-10-28", "url": "https://www.vatupdate.com/2025/11/14/pakistan-introduces-withholding-tax-on-digital-goods-suspends-digital-presence-proceeds-tax/", "citations": [ { "snap": "web-vatupdate-dppt", "supports": "The 5% Digital Presence Proceeds Tax is not charged (suspended)", "quote": "…suspended… with retroactive effect from July 1, 2025" } ] }, { "id": "doc-dawn-2023", "type": "news", "title": "Credit card settlements to use interbank dollar rate", "publisher": "Dawn", "date": "May 2023", "retrieved": "2026-10-28", "url": "https://www.dawn.com/news/1757170", "citations": [ { "snap": "web-dawn-2023", "supports": "History of interbank vs open-market settlement", "quote": "…interbank…" } ] }, { "id": "doc-propakistani-2023", "type": "news", "title": "SBP finally allows banks to settle foreign card transactions at interbank rates", "publisher": "ProPakistani", "date": "31 May 2023", "retrieved": "2026-10-28", "url": "https://propakistani.pk/2023/05/31/sbp-finally-allows-banks-to-settle-foreign-card-transactions-at-interbank-rates/", "citations": [ { "snap": "web-propakistani-2023", "supports": "Interbank settlement allowed till 31 Jul 2023", "quote": "…till July 31, 2023…" }, { "snap": "web-propakistani-2023b", "supports": "Extended to 31 Dec 2023", "quote": "…December 31, 2023…" } ] }, { "id": "doc-fx", "type": "data", "title": "USD/PKR reference rates, 28 Oct 2026", "publisher": "Business Recorder · Pakistan Era · ExchangeRate-API", "date": "28 Oct 2026", "retrieved": "2026-10-28", "url": "https://www.brecorder.com/news/40446311/intra-day-update-rupee-records-gain-against-us-dollar", "citations": [ { "snap": "web-brecorder-fx", "supports": "Interbank close Rs 276.77", "quote": "…closed the day at 276.77…" }, { "snap": "web-pakera-fx", "supports": "SBP revaluation rate Rs 276.8236 (23 Oct)", "quote": "276.8236" }, { "snap": "web-erapi-fx", "supports": "Offline fallback rates for all currencies", "quote": "PKR: 277.054944 (rates per 1 USD, updated 28 Oct 2026 00:02 UTC)" } ] }, { "id": "doc-hbl-web", "type": "bank", "title": "HBL — Foreign transactions & FCY campaign pages", "publisher": "HBL", "date": "Live pages (updated 28 Oct 2026)", "retrieved": "2026-10-28", "url": "https://www.hbl.com/personal/cards/foreign-transactions", "blocked": "HBL's site returned HTTP 403 to our screenshot browser. The text was read with a normal fetch.", "citations": [ { "supports": "HBL converts at the rate it buys dollars at; USD 30,000 yearly limit", "quote": "The conversion rate* charged is the rate at which HBL procures US Dollars to settle the transaction." }, { "supports": "HBL USD card fee waived Jun–Jul 2026; 4% resumed 1 Aug; provincial tax applies", "quote": "Standard 4% foreign transaction fee will resume from 01st Aug 2026. Advance Tax and Provincial Tax will be applicable on all transactions.", "url": "https://www.hbl.com/personal/cards/debit-cards/fcy-campaign" } ] }, { "id": "doc-hamariweb", "type": "data", "title": "Dollar to PKR rate today (interbank & open market)", "publisher": "Hamariweb", "date": "28 Oct 2026", "retrieved": "2026-10-28", "url": "https://hamariweb.com/finance/forex/usd-to-pkr/", "blocked": "Returned HTTP 403 to our screenshot browser.", "citations": [ { "supports": "Open market selling Rs 280.05 vs interbank selling Rs 277.20 (single source)", "quote": "Open market: buying 277.55, selling 280.05 · Interbank: buying 276.70, selling 277.20" } ] }, { "id": "doc-srb", "type": "official", "title": "Sindh Revenue Board — Taxable services", "publisher": "Sindh Revenue Board", "date": "Live page", "retrieved": "2026-10-28", "url": "https://www.srb.gos.pk/srb/taxable-services/", "blocked": "SRB's site has an invalid security certificate, so it couldn't be captured. Text read from the search index.", "citations": [ { "supports": "Sindh sales tax on services: 15%", "quote": "General rate of Sindh sales tax on services is 15% with the exception of telecommunication services…" } ] }, { "id": "doc-kpra", "type": "official", "title": "KPRA — Frequently asked questions", "publisher": "Khyber Pakhtunkhwa Revenue Authority", "date": "Live page", "retrieved": "2026-10-28", "url": "https://kpra.gov.pk/faqs/?sf_paged=3", "blocked": "Network error while capturing (QUIC protocol error). Text read from the search index.", "citations": [ { "supports": "KP sales tax on services: standard 15%", "quote": "The standard rate… is 15%" } ] }, { "id": "doc-provincial-secondary", "type": "secondary", "title": "Sales tax on services rates by province (2026-27)", "publisher": "conseric.pk and others", "date": "2026", "retrieved": "2026-10-28", "url": "https://conseric.pk/punjab-sales-tax-on-services/", "citations": [ { "supports": "Balochistan: 15% (secondary only)", "quote": "Balochistan | Balochistan Revenue Authority (BRA) | 15%" } ] }, { "id": "doc-bop", "type": "bank", "title": "Half Year Schedule of Bank Charges (w.e.f. 01-07-2026)", "publisher": "The Bank of Punjab", "date": "Effective 1 Jul 2026", "retrieved": "2026-10-28", "url": "https://www.bop.com.pk/Documents/Resource_Center/Half%20Year%20Schedule%20of%20Bank%20Charges%20English%20Version%20(Latest%20%E2%80%93%20w.e.f%2001-07-2026).pdf", "blocked": "The PDF came back empty to automated download. Figures read from the search index.", "citations": [ { "supports": "BOP debit 4.25%; no PST/FED at Islamabad, AJK and GB branches", "quote": "4.25% of the transaction amount · no PST or FED for branches operating in Islamabad, Azad Jammu & Kashmir and Gilgit-Baltistan" } ] }, { "id": "doc-bahl", "type": "bank", "title": "Visa Platinum Debit Card — product page", "publisher": "Bank AL Habib", "date": "Live page", "retrieved": "2026-10-28", "url": "https://new.bankalhabib.com/card-detail/visa-platinum-debit-card", "blocked": "The site reset the connection. Figure read from the search index.", "citations": [ { "supports": "Bank AL Habib Visa Platinum debit: 4.50%", "quote": "4.50% of transaction amount for international POS and e-commerce transactions" } ] }, { "id": "doc-ubl", "type": "bank", "title": "UBL Schedule of Charges, July–December 2026", "publisher": "UBL", "date": "Effective 1 Jul – 31 Dec 2026", "retrieved": "2026-10-28", "url": "https://ubldigital.com/portals/0/Pdf/UBL-SOC-July-to-December-2026.pdf", "blocked": "UBL's server returned HTTP 503 to every automated request.", "citations": [ { "supports": "Not read — UBL debit card rate unverified", "quote": "—" } ] } ] }