How Non Resident Pakistanis can get themselves marked Bio Metric Exemption? State Bank of Pakistan has made it compulsory for all Bank Account holders to get themselves Bio Metrically verified within a stipulated time period.
In recent past if the Customers are unable to get himself Bio Metrically verified through his concerned Bank where they are maintaining their bank accounts. Then their Bank Accounts get temporarily blocked till they visit and themselves Biometrically verified, which means they cannot make a debit transaction through their Accounts by any means e.g through Cheque or Online Banking.
This seems not to be an issue for the Customer’s residing in Pakistan as they can visit their respective Branch to perform Biometric activation and can re-activate their bank accounts being blocked by the bank easily.
But it’s a big issue for the Nonresident Customer living around the globe and not planning to visit Pakistan soon.
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To facilitate Customer’s SBP In this regard, based on the representations received from various stakeholders, including overseas Pakistanis, following instructions regarding biometric verification of existing customers presently outside Pakistan are being issued:-
|Type of Customer||
|a)||Non-resident Pakistanis (NRPs)
As defined in Income Tax Ordinance, 2001 – Chapter 5, Division II, Section 82
For customers who fall under the definition of NRP, the bank/ DFI may obtain a signed undertaking from the customer invariably containing the following:
• Customer’s NRP status along with proof (i.e. copy of valid passport, visa, exit stamp, resident permit, etc.)
• Copy of valid ID document (CNIC/ NICOP)
• Account number(s) of the customer’s account(s) maintained with the bank as per customer record
• Undertaking by the customer to inform the bank of any change in residency status
The bank/ DFI, after verification of the customer’s signature from its record, shall accordingly update/ reflect the NRP status in the customer profile.
For such customers, as an alternative to biometric verification, the bank/ DFI may conduct fresh NADRA Verisys using the information provided by the customer.
|b)||Resident Pakistanis temporarily outside Pakistan||
For customers who do not qualify under the definition of NRP, but are currently/ temporarily outside Pakistan for any reason, the bank/ DFI may obtain reasonable evidence/ proof from the customer regarding his/ her absence from the country (i.e. copy of valid passport, visa, exit stamp, resident permit, etc.) and the expected date of return.
For such customers, as an alternate to biometric verification, the bank/ DFI may conduct fresh NADRA Verisys using the information provided by the customer.
The bank/ DFI may retain the NADRA Verisys in place of biometric verification until the customer returns, subject to a reasonable time limit (not more than six months) to be defined by banks/ DFIs. Biometric verification of such customers shall be done immediately upon the customer’s return to the country.
where one account holder is outside Pakistan (NRP/ temporarily)
For joint account holders, the treatment of biometric verification should be done according to the status of the respective individual. Biometric verification should be conducted for the joint account holder who is resident Pakistani, while for other joint account holders, the relevant procedure described at (a) and (b) above should be adopted.
Non-residents Customers can also check websites of their concerned Bank to seek information there as few banks have separate portals for Nonresidents to get the marked Biometrically exempted after fulfilling required bank procedures as the case may be.