According to a recent report from the State Bank of Pakistan (SBP), more than 70% of bank accounts in the country have deposits of less than Rs. 50,000. This data highlights the low savings levels among most account holders.
In contrast, only 3% of all bank accounts contain over Rs1 million, revealing a wide gap between high-income and low-income segments. The report reflects significant inequality in terms of financial assets across the population.
On the other hand, digital banking in Pakistan continues to grow rapidly. The report shows that 89% of retail banking transactions are now done through mobile apps and other digital platforms, showing a clear shift in consumer behavior.
Pakistan’s instant payment system processed 371 million transactions during the third quarter of FY2025, with a total value of Rs. 8.5 trillion. This rise in digital usage shows how people are becoming more comfortable with online payments.
Additionally, the Real-Time Gross Settlement (RTGS) system, which is used for high-value transactions, handled Rs. 347 trillion in the same quarter. This demonstrates the strength and reliability of Pakistan’s financial infrastructure for handling large payments.
