• Up to 80% of your first qualifying purchase recorded as virtual gold savings
• Profit-bearing PKR account under a Mudarabah contract
• Unlimited free transactions over the counter and at BML ATMs
• Free Online Banking and Internet Banking
• Free utility bill payments, pay orders, demand drafts, home remittance, fund transfers within BML and e-statements
• Free personal accidental takaful of PKR 50,000 (currently), on a 6-month average balance of PKR 25,000 or more
• Four dental consultations and four vital health checkups annually
• Debit card and cheque book (charges as per SOC)

• Available to individual customers, including existing BML customers and ARY Sahulat App customers
• Account opening deposit: PKR 100, plus actual charges of services opted and prevailing FED
• Upfront amount at onboarding: PKR 11,500 (ARY Sahulat Wallet Card annual fee PKR 1,500 + initial wallet balance PKR 10,000), on a separate deposit slip
• Gold-linked benefits are available only if the purchase criteria are met; otherwise they are forfeited
• Profit is calculated monthly and paid biannually (after June and December), and is subject to Zakat, withholding tax and other levies unless exempt
• ARY Sahulat is solely responsible for wallet operations, rewards and redemption; for ARY-related queries, please contact the ARY helpline.
• All features, benefits and charges may change at any time

Save Gold on Every Purchase

Your first qualifying purchase through the ARY Sahulat Wallet App or ARY partner merchants earns up to 80% back in virtual gold savings. For example, at 80%, a PKR 25,000 purchase records PKR 20,000 in virtual gold. ARY assigns the slab at your first purchase.

Keep Your Gold

Purchase through the ARY Sahulat Wallet in any 8 months of the 12-month period, excluding the first month, spending at least as much each month as in your first month. Once you meet the criteria, your virtual gold is realized and you can redeem it.

Keep Earning

Your ongoing spending through the ARY app also earns ARY Coins, rewarded as 10% Gold and 90% Diamond jewelry, as per ARY Sahulat terms.

Visit your nearest BML branch and ask the Bank Officer for the Gold Classic Account opening form. Create your ARY Sahulat App account, pay the upfront amount once it is activated, and you are ready to shop, save and build your gold!