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Open your account even from your feature phone and earn halal profit on your savings!

Smart Asaan Mobile Account is a digital wallet that enables banked as well as unbanked individuals to perform financial transactions securely even from their basic mobile phone. With faster and more convenient service, the Smart Asaan Mobile Account is designed to allow individuals to send or receive money easily to any account within Pakistan without internet connectivity.

Smart Asaan Mobile Account also offers a saving facility that gives competitive profit rate on savings along with the flexibility to use the money at any time.

Requirements for Using Meezan Smart Asaan Mobile Account

Key Features

Minimium Investment

Instant account opening

Instant account opening facility

Age Group

Link channel

Facility to link existing smart wallet with AMA channel

Great Gifts

Biometric scanning

Cash withdrawal facility from any Meezan Bank branch after biometric verification

Halal Profits


Transaction execution from basic mobile phone

Kids Club Certificate

No Internet Required

No internet facility required to access account

Personalized Chequebook

Internet and Online Banking

Free internet and mobile banking services

Personalied Debit Card


No minimum deposit requirement

Internet and Online Banking


Profit paid on monthly basis and calculated on daily basis

Terms & Conditions

How the Smart Asaan Mobile Account Works?

On agreeing to become a Smart Asaan Mobile Account holder, the customer enters into a relationship based on Mudarabah with Meezan Bank. Under this relationship, the customer is an Investor (Rab-ul-Maal) and the Bank is the Manager (Mudarib) of the funds deposited by the customers. The Bank allocates the funds received from the customers to a deposit pool and fund from the pool are utilized to provide financing to customers under Islamic modes that include, but are not restricted to Murabaha, Ijarah, Istisna and Diminishing Musharkah.

Profit Sharing Ratio

Bank will share 50% of Gross Income as Mudarib

Depositor will share 50% of Gross Income as Rab-ul-Maal

Weightages for the Month of December 2022
Account Categories Profit Distribution Period Tier Groups Weightage Assigned
Smart Asaan Mobile Account Monthly - 0.75
Consolidated Weightages
Profit Rates for the Month of November 2022
Daily Product Basis (PKR) Profit Rates (% per annum)
Smart Asaan Mobile Account 11.54
Profit Rates
Historical Profit Rates

How to use Smart Asaan Mobile Account?

Minimium Investment

Simply dial the short code *2262# in order to avail this service.