Halan Microfinance Bank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Halan Microfinance Bank runs an easy-access savings account for businesses in Pakistan, regulated by the State Bank of Pakistan. Its variable rate of 5% sits above the savings median of 3.08%, and the minimum deposit of PKR 100 keeps the entry point modest.
Key facts
- Best for
- A variable-rate, easy-access business savings account in Pakistan with a modest minimum deposit.
- Headline rate
- 5%↗
- Rate type
- Variable↗
- Minimum deposit
- PKR 100↗
- Access terms
- Withdrawals at any Halan branch via cheque book↗
- Account kind
- Easy access↗
- Legal entity
- Halan Microfinance Bank Ltd.↗
- Headquarters
- Pakistan↗
- Founded
- 2012↗
- Support channels
- Email, Phone, Help-centre↗
- Official website
- halan.com.pk
Everyday accounts
- Audience
- Business
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- A headline rate of 5% sits above the savings median of 3.08%.
- Business is the stated audience (business), so the account is aimed at company cash rather than personal saving.
- Support covers email, phone and help centre, so a rate or withdrawal question can go by phone or through the help centre.
Cons
- Withdrawals are made at any Halan branch via cheque book (Withdrawals at any Halan branch via cheque book), so taking money out means a branch visit.
- The rate type is variable, so 5% is a figure that can move rather than a return held for a term.
- The minimum deposit of PKR 100 sits well above the site minimum of €0.
Who it suits
- Businesses in Pakistan that want interest on a working balance without a notice period
- Microfinance operators and small traders who can plan withdrawals around branch hours
- Customers comfortable with a variable rate that can move from 5%
Who should look elsewhere
- PayPal Colombia, which keeps money in a wallet rather than paying a variable 5% through a bank account.
- AXI Card, listed at a headline rate of 21.59%, if the rate matters more than branch access.
- Plazo ES, listed at 24.19%, for anyone who wants the highest rate on the page.
Rates and terms
Halan Microfinance Bank pays a variable rate of 5% on its savings account. The bank sets the rate and can change it, so 5% is a current reading rather than a return locked in for a term. A variable rate suits a business that wants to keep money accessible and still earn interest on the balance day to day.
Who runs it
The account is run by Halan Microfinance Bank Ltd., based in Pakistan and founded in 2012. The regulator named for the brand is the State Bank of Pakistan, the banking authority for its home market. Customers reach the bank on email, phone and help centre, so a question can go by email, by phone or through the help centre.
How Halan Microfinance Bank compares
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Where Halan Microfinance Bank is available
- Available
- Pakistan
- Licence in Pakistan
- State Bank of Pakistan, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does Halan Microfinance Bank pay on its savings account?+
Halan publishes a variable rate of 5%. The rate type is variable, so the bank can change the figure, which makes 5% a current reading rather than a return fixed for a term. For a business balance that gets drawn on, that flexibility matters more than a locked rate.
Who runs Halan and who regulates it?+
The legal entity is Halan Microfinance Bank Ltd., based in Pakistan and founded in 2012. The regulator named for the brand is the State Bank of Pakistan. Halan is a bank rather than an app, so the licence and the regulator both sit in its home market.
How much do I need to open the account?+
The minimum deposit is PKR 100. Above that, the account is easy access, so the balance is set up to be drawn on rather than tied to a fixed product. Business is the audience Halan names, and this account is built for company cash rather than personal saving.
How do I withdraw money from the account?+
Withdrawals are made at any Halan branch via cheque book (Withdrawals at any Halan branch via cheque book). Taking money out is a branch task rather than an instant app move, so it suits a business that can plan around branch hours rather than one that needs the balance in seconds.
How do I contact Halan about a rate or a withdrawal?+
Support runs on email, phone and help centre, so a question can go by email, by phone or through the help centre. Those are the channels Halan lists, and a business that wants a written record of a rate query can use email or the help centre.
Is this account for individuals or for businesses?+
Business is the audience Halan names for this account (business), so the product is built around company cash rather than personal saving. The access terms are also set around branches and cheque books, which fits a business that already works with a local branch network.
How does the rate compare with other options on the site?+
Halan's variable 5% sits above the savings median of 3.08%. It is well below the 21.59% listed for AXI Card and the 24.19% listed for Plazo ES, so the rate on its own does not settle the choice; the easy-access setup and the branch withdrawal route count too.
Sources
- halan.com.pk checked September 26, 2026
Backs: Audience, Headquarters, Support channels
“We are dedicated to transforming lives by providing accessible, reliable, and sustainable financial services tailored for micro, small, and medium enterprises.”
- halan.com.pk/about-us checked September 26, 2026
Backs: Founded
“Since 2012, we have been serving micro, small, and medium-sized enterprises with a complete range of financial services.”
- halan.com.pk/asaan-saving-account checked September 26, 2026
Backs: Account kind, Headline rate, Minimum deposit
“The Asaan Saving Account is a simple and accessible savings solution for salaried individuals, non-working individuals, and illiterate clients with photo accounts”
- halan.com.pk/faqs checked September 26, 2026
Backs: Access terms, Rate type
“Yes, you can withdraw funds from any of our branches closest to you through your cheque book.”
- halan.com.pk/terms-of-use checked September 26, 2026
Backs: Legal entity
“Registered Office: Halan Microfinance Bank Ltd. Head Office 3rd Floor, 3rd Gate, Islamic Chamber of Commerce, Clifton Block-9, Karachi.”
- sbp.org.pk checked September 26, 2026
Backs: Licences
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Deposit protection.
Related by the facts
Halan Microfinance Bank
A variable-rate, easy-access business savings account in Pakistan with a modest minimum deposit.