Message for Finance Minister Asad Umar

[Mujahid Ali Awan]

‏وزیراعظم عمران خان کے تقریر میں جب یہ سنا کہ بیرون ملک میں پاکستانی اپنی کمائی پاکستانی بنکوں میں رکھے ۔ اور میں نے یہ عہد کرتے ہوئے پاکستانی بنکوں میں رابطہ کیا تو اک عجیب حالات سے دوچار ہونا پڑا ۔ قصہ مختصر یہ ہے کہ آپ بیرون ملک پاکستانی صرف saving account open اوپن کر سکتے ہیں اور اس saving account میں online banking کی facilities available نہیں موجود ہوگی اور نا ہی آپکو debt card جسے ہم ATM card کہتے ہیں وہ میسر ہو گا۔
‏پس آپکو اک cheques book issue ھو گا وہ بھی cash draw کے لیے آپ کا موجود ہونا mandatory ہیں ۔یعنی آپ کسی اور کے نام cheque issue کر بھی دے تو آپکا present ہونا ضروری ہے ۔
‏ہے نا کتنی عجیب حالات کہنے کو تو بہت کچھ ہے لیکن بیرون ممالک پاکستانی اس بہترین facilities میں جو انکو لا حاصل ھو گا وہ خود جانتے ہیں ۔
‏اک اور مزے کی بات بتاتا چلوں جب میں نے یہ سوال کیا آفیسر سے چلوں آپ میرا پاکستانی current account کھول دیں چھوڑ دے میرے overseas status کو فوری مجھے برملا جواب ملا جناب یہ ہو ہی نہیں سکتا کیوں کہ آپکا شناختی کارڈ میں آپکا living status بیرون ملک لکھا ہوا ہے ۔وہیں مجھے فوری احساس ہوا یہ پاکستان ہے بھائی میرے شناختی کارڈ میں معلومات کے پھیچے بھی گنھاونے مقاصد ہیں ۔

‏عمران خان صاحب آپ نے بیرون ملک پاکستانی سے جو مدد طلب کی ہے ہم تو اس کے کئی دہائی سے عادی ہیں ہماری پوری زندگی آپنے گھر اور اپنے لوگوں کی مدد ہی ہمارا عین مقاصد ہیں اور آپ نے پاکستان کےلئے کہ دیااس سے اوپر کچھ بھی نہیں ۔ SIR بس آپ ھمارے راستے ہموار کر دیں ہم چل کر نہیں دوڈ کر لگا دیں گے سب کچھ اپنا اپنے پاکستان پر۔ آمین ۔
‏آپکا تابع دار
‏پردیسی​

 

[forzeb]

please write down in English or Urdu for people to understand what your saying. I believe even yourself would not be able to read this crap.

 

[compy]

His point is right, actually Banks donot easily open account for overseas Pakistanis, they try to make things complex and try their best that you go back, i have experienced same issue.

 

[Imran Siddiqi]

They require your social security number as well.. for USA citizens

 

[Will_Bite]

Dont know which bank you approached...but I opened an NRP account with UBL, and it was a breeze. I had to specify a local branch in Pakistan, and my account was up and running in 10 days. I received my check book and ATM at my overseas UBL branch.
The only restrictions i have is that the account can only be funded through remittances. Meaning, i cannot deposit any cash or funds in it from Pakistan, and cannot use it as a domestic Pak account, which is fair. I can only remit forex from abroad...and yes, trasnactional fees in general are a bit higher. But other than that, I receive all facilities...ie, online transfer, etc.

 

[LovePK-or-LeavePK]

Pakistani banks are big-time haramkhor.

Even in bad economy, banks profits are more than Pakistan Army's budget.

Banks collect deposits from everyone but then give loans to only rich and powerful business groups.

I also heard Pakistani banks have been buying plots in bulk and therefore prices of plots shot up so much that no one can buy and build a roof for his kids anymore.

Asad Umar should slap 50% tax on Pakistani bank's profits and use that money to build 50 lac houses for poor and middle class people.

 

[LovePK-or-LeavePK]

His point is right, actually Banks donot easily open account for overseas Pakistanis, they try to make things complex and try their best that you go back, i have experienced same issue.

Very true. I went to three banks to open an account and they told me that if I don't have a proof of employment in Pakistan, they will not open any account for me at all.

Then I spoke to a friend who works in a bank and he told me to come to his bank and he opened a current account for me. This is very sad situation.

I think all citizens of Pakistan should have equal access to banking, regardless of their place of residence, employment status, income level or any other factor.

 

[forzeb]

If Pakistan needs foreign currency of overseas Pakistanis then we should be allowed to open bank accounts while we are abroad with all the facilities. This is the only we can deposit our foreign currency in Pakistan. There should be a very simple procedure for us to open an account.

 

[Will_Bite]

Very true. I went to three banks to open an account and they told me that if I don't have a proof of employment in Pakistan, they will not open any account for me at all.

Then I spoke to a friend who works in a bank and he told me to come to his bank and he opened a current account for me. This is very sad situation.

I think all citizens of Pakistan should have equal access to banking, regardless of their place of residence, employment status, income level or any other factor.

How is that policy any different from that in any other country's banking sector?
No bank will open an account for you unless the source of funds for that account is specified. EU and US laws are very strict in this regard, and no bank will entertain a bank account without any disclosed source of income. This is what led to the ballooning of black money in Pakistan to begin with.

As an overseas Pakistani, you can only open an NRP account, not a domestic Pak account. This is in line with international regulations. Pakistanis should stop looking for shortcuts.

 

[Will_Bite]

ubldirect.com
MCB (motherland account)
HBl humwatan account
Procedures are very simple. Check their websites, and your local branch

If Pakistan needs foreign currency of overseas Pakistanis then we should be allowed to open bank accounts while we are abroad with all the facilities. This is the only we can deposit our foreign currency in Pakistan. There should be a very simple procedure for us to open an account.

 

[LovePK-or-LeavePK]

How is that policy any different from that in any other country's banking sector?
No bank will open an account for you unless the source of funds for that account is specified. EU and US laws are very strict in this regard, and no bank will entertain a bank account without any disclosed source of income. This is what led to the ballooning of black money in Pakistan to begin with.

As an overseas Pakistani, you can only open an NRP account, not a domestic Pak account. This is in line with international regulations. Pakistanis should stop looking for shortcuts.

Let me share my own experience. My Nephew visited US. He has Pakistani passport with US visit visa on it. He went to Bank of America. Showed his passport as identification and current account was opened in his name. He used that account for over a year.

On his 2nd trip to US, he applied for a credit card from same bank. They issued him a credit card with limit of $500. Please do keep in mind, he is NOT citizen of US. He is citizen of Pakistan with a green passport.

Please learn and stop taking away citizens rights in the name of so called bullshit that these bankers feed you.

No one is looking for any shortcuts. Bank is a private business which suppose to serve public on equal basis.

 

[LovePK-or-LeavePK]

ubldirect.com
MCB (motherland account)
HBl humwatan account
Procedures are very simple. Check their websites, and your local branch

Sorry but as long as we have people like you there will be no equality in Pakistan. Why have a separate account for NRPs? Why we don't have access to all banking services? Are we less citizens?

Are we dogs? Are we less than everyone else? Are we kameee of these haramkhor bankers?

People like you living in lala land. Please wake up. Our remittances are keeping Pakistan alive. Slogans, slogans & slogans!

When it comes to actually do something for us, people like you start barking.

We are not asking for anything extra-ordinary. We are not beggars.

We need same and full rights just like everyone else.

If these banks can't provide equal service, government should shut them down. SECP should revoke their licenses.

 

[Will_Bite]

Let me share my own experience. My Nephew visited US. He has Pakistani passport with US visit visa on it. He went to Bank of America. Showed his passport as identification and current account was opened in his name. He used that account for over a year.

On his 2nd trip to US, he applied for a credit card from same bank. They issued him a credit card with limit of $500. Please do keep in mind, he is NOT citizen of US. He is citizen of Pakistan with a green passport.

Please learn and stop taking away citizens rights in the name of so called bullshit that these bankers feed you.

No one is looking for any shortcuts. Bank is a private business which suppose to serve public on equal basis.

In the US, its subjective. Most banks will NOT open an account on a visit visa, or without a source of income. The few banks that do will do so as a means of going towards subprime lending.
This is similar to how some states will give driving licenses even to illegals, as opposed to others.
In the EU, noone will entertain you on that.

Remember there was a time back till the 70s when residents in the mideast could even open accounts in the UK and US remotely, thorugh snail mail.

 

[Will_Bite]

Sorry but as long as we have people like you there will be no equality in Pakistan. Why have a separate account for NRPs? Why we don't have access to all banking services? Are we less citizens?

Are we dogs? Are we less than everyone else? Are we kameee of these haramkhor bankers?

People like you living in lala land. Please wake up. Our remittances are keeping Pakistan alive. Slogans, slogans & slogans!

When it comes to actually do something for us, people like you start barking.

We are not asking for anything extra-ordinary. We are not beggars.

We need same and full rights just like everyone else.

If these banks can't provide equal service, government should shut them down. SECP should revoke their licenses.

Other than calling me names, do you have a logical argument in there somewhere? Or do you have a problem with rules and regulations?

Overseas residents of all countries in the world are treated in a similar way. Overseas US citizens are subject to FATCA regulations. EU citizens are subject to being back reported, else risk getting penalized. Problem is, you are trying to look for the Paksitan where jungle rule still exists. Pakistanis are just not used to being made to follow any semblance of law and order. Every tom dick and harry comes out with his chest thumping, and claims to be something superior, and above the law.

Follow the law for a change.

 

[LovePK-or-LeavePK]

Other than calling me names, do you have a logical argument in there somewhere? Or do you have a problem with rules and regulations?

Overseas residents of all countries in the world are treated in a similar way. Overseas US citizens are subject to FATCA regulations. EU citizens are subject to being back reported, else risk getting penalized. Problem is, you are trying to look for the Paksitan where jungle rule still exists. Pakistanis are just not used to being made to follow any semblance of law and order. Every tom dick and harry comes out with his chest thumping, and claims to be something superior, and above the law.

Follow the law for a change.

Stop making bullshit laws yourself and stop misguiding people. I just gave you my own example. You are dead wrong on this.

You have no clue. Try to buy a ticket and go visit few countries and learn about freedom and rights of citizens.

And yes people of a country is always superior to laws. Laws should be made to make their life easy not difficult.

 

[LovePK-or-LeavePK]

In the US, its subjective. Most banks will NOT open an account on a visit visa, or without a source of income. The few banks that do will do so as a means of going towards subprime lending.
This is similar to how some states will give driving licenses even to illegals, as opposed to others.
In the EU, noone will entertain you on that.

Remember there was a time back till the 70s when residents in the mideast could even open accounts in the UK and US remotely, thorugh snail mail.

Bullshit. You are mixing it all up. Jumping from banks to drivers licenses now.

I have been living in US since 1997. So please!

Banks are regulated by feds. Driver licenses are local state matter.