If you’re a Pakistani blogger or YouTuber earning through Google AdSense, choosing the right bank can save you time and money. Here’s a guide to the top seven banks in Pakistan known for efficient AdSense payment processing, minimal deductions, strong exchange rates, and hassle‑free PRC issuance.
Top Banks for AdSense Payments
United Bank Limited (UBL)
UBL is widely preferred for Google AdSense deposits. It charges between ₨ 500–700 per $100 payout—significantly lower than many other banks. The UBL Asaan account can be opened with just a CNIC and minimal deposit, making it accessible for new publishers.
Muslim Commercial Bank (MCB)
MCB is valued for its reliability and moderate fee structure. AdSense payments usually incur around ₨ 400–₨ 450 deductions per $100, with competitive exchange rates and efficient processing.
Habib Bank Limited (HBL)
HBL offers a vast branch network and solid online banking options. It supports international wire transfers and provides reliable customer service. Currency conversions are competitive and processing is relatively fast.
Allied Bank Limited (ABL)
Newly recognized as one of Pakistan’s top digital banks, ABL offers freelancer‑friendly services. It processes AdSense wire transfers quickly with moderate deductions and customer support that understands freelancing needs.
Standard Chartered Bank (Pakistan)
Standard Chartered provides fast processing times for international wire transfers and decent exchange rates. Its digital platform is robust and user-friendly, making it a preferred choice among experienced content creators.
Meezan Bank
An Islamic bank with solid infrastructure, Meezan Bank handles AdSense payments through wire transfer with around ₨ 400–₨ 500 deductions per $100. Issuing a PRC often requires contacting branch support, but exchange rates are strong.
Faysal Bank
Known for transparency and good service, Faysal Bank handles AdSense transfers reliably. Fees are moderate, and their online banking offers easy payment tracking.
Comparison Table
| Bank | Approx Fee per $100 | Processing Time | PRC Support | Exchange Rate |
|---|---|---|---|---|
| UBL | ₨ 500–700 | Very fast (seconds to hours) | Automatic/fast | Interbank rates |
| MCB | ₨ 400–450 | Fast | Generally issued | Competitive |
| HBL | ₨ 400–600 | Moderate | Available | Competitive |
| ABL | Moderate | Fast | Positive support | Market rate |
| Standard Chartered | Moderate | Very fast | Reliable | Good |
| Meezan Bank | ₨ 400–500 | Moderate | Requires follow‑up | Competitive |
| Faysal Bank | Moderate | Moderate | Available | Transparent |
Tips & Insights
Wire transfer (EFT) is the primary method used by Google AdSense in Pakistan, depositing PKR directly into your local account once you hit the $100 threshold. Most banks apply 1% withholding tax or less, depending on your PSEB status, and some banks deduct extra international fees.
Avoid These Pitfalls
Some banks impose high hidden charges, delay reporting, or make PRC issuance difficult. Payoneer is a popular alternative—though it incurs conversion fees, it offers flexibility. Still, for most AdSense users, local wire transfers via recommended banks remain the simplest and cheapest option.
Also Read: Best Real Estate Affiliate Programs in Pakistan 2025
Final Recommendation
For most content creators in Pakistan, UBL stands out as the best overall choice due to minimal fees, near instant processing, and ease of account setup. MCB and HBL are strong alternatives with reliable service and moderate charges. Allied Bank and Standard Chartered provide excellent performance and growing freelancer support. Meezan and Faysal are solid options but may require more communication to obtain PRC. Choose based on your priorities: lowest fees, fastest transfer, or best customer service.