HABIBMETRO Raast is Pakistan’s Instant Payment System.

An initiative of the State Bank of Pakistan (SBP), Raast is Pakistan’s first instant payment system that enables end-to-end digital/real-time payments among individuals, businesses, and government entities instantaneously.

Features of Raast

  • Free of cost IBFTs’
  • Instant payments without an account number
  • Interbank transfers without incurring any cost
  • Payments through Raast IDs on mobile numbers

Mobile & Internet Banking Process

  • Tap on RAAST option on Dashboard
  • Select RAAST Management and verify your Mobile Number and tap Next
  • Enter OTP and tap on Done. You will successfully link your mobile number to receive payments via RAAST

HABIBMETRO Over The Counter Services (OTC) – Process

  • Customer visits RAAST enabled HABIBMETRO Branch
  • The customer fills RAAST registration form and transaction slip
  • HABIBMETRO OTC Officer verifies the customer and executes the
  • Customer is given confirmation for successful IBFT through RAAST Platform / Instant Payment System

You can use this service by visiting designated HABIBMETRO branches:

S.No Branch Name City Branch Code Branch Addresses
1 Main Branch Karachi 1-1
Ground Floor, Spencers Building, I.I Chundrigar Road Karachi.
2 Mereweather Tower Branch Karachi 1-56
GK 7/79, Tower Mension, M.A.Jinnah Road, Karachi, Pakistan
3 Bahadurabad Branch Karachi 1-68
Prime Arcade, Bahadur Shah Zafar Road, Bahadurabad, Karachi
4 Gulshan Chowrangi Branch Karachi 137
FL 4/s, Hamid Square, Block 3, Gulshan-e-Iqbal, Karachi
5 Alamgir Road Branch Karachi 1-29
25, Central Commercial Area,Main Alamgir Road,Bahadurabad, Karachi
6 Hyderi Branch Karachi 1-31
7-A, MustafaMarket, Block-G, Barkat-e-Hyderi, Karachi – 74700
7 DHA Phase 2 Karachi 1-77
Plot 12-C, Korangi Road, Commercial Area A, DHA Phase II, Karachi.
8 Bukhari Commercial Karachi 3-21
Plot No.C 6-C, Saba Avenue, Phase VI, D.H.A, Karachi.
9 Zamzama Karachi 1-25
3-E, 8TH Zamzama Commercial Lane, Phase 5, DHA, Karachi
10 Chartered Accountant Ave. Karachi 11-3
Showroom # 7 & 8, Pardesi Pride, Chartered Accountants Avenue, Frere Town Quarters, Clifton, Karachi
11 HBZ Plaza Karachi 1-52
H.B.Z. Plaza, I.I. Chundrigar Road, Karachi-74200, Pakistan
12 Stock Exchange Karachi 1-18
G-1, Ground Floor, New Stock Exchange Building, Stock Exchange Road, Karachi
13 Gulistan-e-Johar Karachi 1-78
Shop No. B-5/1, Plot FL-22, Block-15, KDA Scheme-36, Gulistan-e-Johar, Karachi.
14 Saddar Karachi 1-28
SB-4/4,Zaibunnisa Street, Saddar, Karachi
15 M.A.Jinnah Karachi 1-20
Corner Abdullah Haroon Road,Karachi
16 University Road Branch Karachi 1-50
N.E.D University Campus Gate No.1, University Road, Gulshan-e-Iqbal Town, Karachi
17 Gulshan-e-Iqbal Branch Karachi 1-14
Plot No.118/B/A-XV,Block 10-A, Mian Rashid Minhas Road, Gulshan-e-Iqbal Karachi
18 UP More Branch Karachi 1-80
Plot No. A-901 Sector 11-B UP More, North Karachi.
19 Boatbasin Branch Karachi 1-51
GPC-2, Block 5, Clifton, Karachi
20 DHA Phase 1 Karachi 1-74
Plot No. 147, World Business Centre, DHA Phase I, Korangi Road, Karachi.
21 Mirpur Branch (A.K) Mirpur, (AK) 2-5
Plot No. 1 – A, Sector A-5, Allama Iqbal Road, Mirpur, AK.
22 Sialkot Branch Sialkot 2-6
Allam Iqbal Chowk,Railway Road, G.P.O Box 2626, Sialkot
23 Gujranwala Branch Gujranwala 2-19
G.T. Road, Near Din Plaza, GujranWala
24 S.I.E Branch Sialkot Sialkot 2-49
27-28-A, Small Industrial Estates, Sialkot
25 Jhelum Branch Jhelum 2-51
Plot No. B/11-2 R-106, Sadiq Centre, Old G.T.Road, Machine Mohalla No.1, Jhelum.
26 Gujrat Branch Gujrat 2-59
Khasra # 1095/565, Khewat # 440, Khatooni# 520-523, Property# 17-P-1553/Bank, Main G.T Road, Gujrat.
27 Circular road Lahore 2-32
83-Circular Road, Lahore
28 Badami Bagh Lahore 2-46
38-R-359, Circular Road, Lahore
29 Garden Town Lahore 2-74
Plot / Flat # 1 to 4, Usman Block, New Garden Town, Awami Complex, Lahore.
30 Lahore Main Lahore 2-2
Associated House, 7-Egerton Road, Lahore
31 DHA Phase VI Lahore 4-31
Plot No. 78, Main Boulevard Commercial Area, DHA Phase VI – Lahore
32 Faisalabad Faisalabad 2-9
P-103, Main Liaquat Road, Opp. PSO Fuel Pump, Faisalabad
33 Gulberg Lahore 2-25
85, D-1, Main Boulevard, Gulberg-III, G.P.O Box No. 54660,Lahore
34 Peshawar main Peshawar 2-3
95-A, Saddar Road, Peshawer
35 Mingora Mingora 2-64
Ground Floor, Haji Fazal Khuda Plaza, G.T. Road, Gulshan Chowk, Mingora, Swat.
36 Wazirdhand Peshawar 4-17
Wazir Dhand Shakas, Allah Daad Market, Jamrud Road, Khyber Agency
37 Mansehra Mansehra 2-63
Madina Market, Opposite Kind Abdullah Teaching Hospital, Main Bazar, Mansehra.
38 Hangu KPK 6-25
Khasra # T533-T534, Altaf Khan Market, Kohat Road, Main Bazar Hangu. Distt Hangu, KPK
39 Abbottabad Main Abottabad 2-41
Plot No. 841, Main Mansehra Road, Abbottabad
40 F-10 Markaz Branch Islamabad 2-47
1-D, 10th Avenue ,F-10 Islamabad
41 Sargodha Branch Sargodha 2-70
Plot No. 65/2, Railway Road, Sargodha
42 Jutial Branch Juital 2-86
Snow Leopard Market, Shahrah-e-Quaid-e-Azam, Jutial, Gilgit.
43 Islamabad Branch Islamabad 2-10
Commercial Plot # 24 , West Blue Area , F-6/G-6, Islamabad.
44 Markaz F-7 Branch Islamabad 2-37
13 – T, Markaz F-7, Islamabad
45 Rawalpindi Branch Rawalpindi 2-36
186/2, Bank Road, Rawalpindi Cantt.
46 Mouza Kachi Jamal Branch Khanpur 2-14
Ahmad Plaza, Bypass Road, Mouza Kachi Jamal, Khanpur, Distt. Rahmi Yar Khan.
47 Okara Branch Okara 2-24
Irfan Complex near Scholar School, Chak No. 1A/ 4L, M.A Jinnah Road, Okara.
48 Renala Khurd Branch Renala Khurd 4-75
Khewat No. 135, Khatooni No.135, Khasra No. 189/1/8, Welcome Road, Chak No.20-A/2L, Renala Khurd, Distt. Okara – Punjab
49 Gojra Branch Gojra 4-44
P- 21/2/SH, Ghalla Mandi, Railway Road, Gojra Tehsil Gojra, Disst., Toba Tek Singh – Punjab
50 Mailsi Branch Vehari 4-61
Plot No. 09, Khewat No. 66/64 & 67/65, Khatooni No. 90 & 91, Khasra No. 82/2/2 & 72/22, Colony Road, Mailsi, Distt. Vehari – Punjab
51 Gulgasht Colony Branch Multan 12-13
Plot No.608 – C, Gulgasht Colony, Multan.
52 Circualar Road Lahore 2-32
83-Circular Road, Lahore
53 Lahore Main Branch Lahore 2-2
Associated House, 7-Egerton Road, Lahore
54 Dha Phase VI Lahore 4-31
Plot No. 78, Main Boulevard Commercial Area, DHA Phase VI – Lahore
55 Raiwind Road Branch Lahore 2-69
Bhoptian Chowk, 9KM Raiwind Road, Lahore
56 Millat Chowk Lahore 4-39
P-362-A, Gulistan Colony No. 2 Faisalabad – Punjab
57 Susan Road Faisalabad 2-94
Property # 27 , Chenab Market, Madina Town, Susan Road, Faisalabad.
58 Kasur Branch Kasur 2-17
Railway Road, Kasur.
59 Sheikhupura Branch Sheikhupura 2-75
36 – 37 KM, Lahore Sargodha Road, Sheikhupura.
60 Nankna Sahib Branch Nankna Sahib 2-43
Ghalla Mandi, Nankana Sahib, Tehsil & District Nankana Sahib
61 Shahdara Branch Lahore 2-20
Plot # N-127 R/1380/A, Village Kot Begum, Opp.Rustam Sohrab Cycle Factory,Shahdara,Lahore
62 Shadbagh Branch Shadbagh 12-2
Khasra No. 1108/148, Khewat # 201, Khatooni # 386 to 500, Shershah Road, Mouza Baghanwala (Shadbagh)
63 D.H.A Branch Karachi 1-24
1-C, Khayaban-e-Shamsheer, Phase V,Karachi.
64 Clifton Branch Karachi 1-57
S-2 Uzma Arcade, Block 7, Khayaban-e-Iqbal, KDA Scheme No. 5, Clifton, Karachi.
65 Business Avenue Branch Karachi 1-65
Ground Floor, Business Avenue, 26-A Block-6 P.E.C.H.S, Shahrah-e-Faisal Karachi
66 Shahrah-e-Quaideen Karachi 1-6
103-K, Block-2, P.E.C.H. Society, Shahrah-e-Quaideen, Karachi
67 Korangi Township Karachi 3-4
Plot No. N-38, Sector 35-C, Korangi Twonship, Karachi
68 Saba Avenue Branch Karachi 1-19
Plot No 12-C, Badar Commercial, Street No 6, Phase V (Ext) DHA, Karachi
69 Dalmia Road Branch Karachi 1-53
PNS ᅠRaza, National Stadium Road – Karachi
70 Gulshan-e-Iqbal 13-C Branch Karachi 11-20
Plot No.27-28, Noor Trade Center, Blk 13-A, KDA Works Cooperative Society, Sch-24, Gulshan-e-Iqbal.
71 Water Pump Branch Karachi 1-44
57,Nawaz Court, Block-16, Federal B Area, Karachi
72 Paposh Nagar Branch Karachi 1-41
6-A, Block V-A, Nazimabad No. 5,Karachi
73 Baara Market Branch Karachi 3-13
Plot No. R-37, Sector 5-C / 2, North Karachi Twonship, Karachi
74 Malir City Branch Karachi 1-88
C-121/3 Malir Colony near Malir Tanki, Karachi, Sindh
75 Dhoraji Colony Branch Karachi 1-33
Shop# 2 & 3, Ground floor, Block-7, SCP & Berar, Cooperative Housing Society, Karachi.
76 Aisha Manzil Branch Karachi 11-8
CS-22, Block No. 7. F.B. Area, Karachi.
77 I-10 Branch Islamabad 2-68
Plot No 4-A, I-10 Markaz Commercial Area, Islamabad
78 Khanna Rawalpindi 2-66
Ground Floor, Building No.1, Sector No.3, Al-Noor Colony, Service Road, Khanna, Rawalpindi.
79 Kashmir Road Rawalpindi 2-89
Plot No. CB-1/33-34, Khayaban Hotel,Near Kamran Market, Kashmir Road, Saddar, Rawalpindi, Pakistan.
80 Jauharabad Branch Sargodha 2-71
Shop No.80, Grain Market, Jauharabad.
81 Gilgit Main Branch Gilgit 2-62
231-233, Bank Block, Nli Market, Gilgit, PAKISTAN.
82 Murree Road Rawalpindi 2-55
224-B, Block B, Crown Plaza, Near Chandni Chowk, Satelite Town, Rawalpindi
83 Raja Bazar Rawalpindi 2-44
A-61, Jinnah Road, Raja Bazar, Saddar, Rawalpindi
84 Circular Road Narowal Narowal 4-80
Khewat No.1139, Khatooni No. 1855, Circular Road, Distt. Narowal
85 Do Burji Malhiyan Sialkot Sialkot 2-82
Do-Burji Malhiyan, Daska Road, Tehsil & District Sialkot, Pakistan.
86 Gohadpur Branch Sialkot Sialkot 4-37
Khewat No. 215, Mohallah Shareefpura, Kulluwal Road, Gohadpur, Sialkot
87 Hafizabad Branch Hafizabad 2-80
Plot No. 1/16, Gujranwala Road, Hafizabad.
88 Mandi Bahaudin Branch Mandi Bahaudin 2-78
143 / 112 / 14, Alvi Chowk, Bank Road, Mandi Bahauddin.
89 Muhafaz Town Gujranwala Gujranwala 4-55
26 – A, Commercial Area, Muhafiz Town, Gujranwala Punjab
90 Sialkot Cantt Branch Sialkot 4-14
Plot No. 463 / A-2, Agha Kamal Hyder Road, Sialkot Cantt.
91 University Road Peshawar 4-24
Ali Taj Market , Iqra Chowk , University Road, Peshawar.
92 Sawabi Branch Sawabi 4-78
Khasra No.3380, Ground Floor, Munawar Shah Plaza, Mardan Road, Swabi.
93 Attock Main Branch Attock 4-81
BVII-02/RH, Block G, Union Council 2, Saddiqui Road, Distt. Attock.
94 Haripur Main Branch Haripur 2-40
Ali Center, Opposite Ameer Khan Plaza, Main G.T. Road, Haripur
95 Bannu Main Branch Bannu 4-51
Property #22/A, Mohallah Head Master, Ahmed Jan Opposite Police Lines Bannu.
96 Khyber Bazar Peshawar 2-98
Plot / Survey # 412/2, Shoba Chowk, Opposite Park Inn Hotel, Khyber Bazar, Peshawar.
97 Rampura Peshawar 2-58
Shop No. 2-5, Malik Sharif Plaza, Rampura Gate, Ashraf Road, Peshawar.
98 Mailsi Branch Mailsi 4-61
Plot No. 09, Khewat No. 66/64 & 67/65, Khatooni No. 90 & 91, Khasra No. 82/2/2 & 72/22, Colony Road, Mailsi, Distt. Vehari – Punjab
99 Khayaban-e-Bokhari Branch Karachi 1-3
Plot 24-C, 9 Comm. Lane, Khayaban-e-Bukhari, Phase-VI, DHA, Karachi
100 Falcon Complex Branch Karachi 1-9
Plot No.1, Play Ground Opp. Falcon Mosque, Air Force Housing Society, Shaheed-e-Millat Road, Karachi.

For more details, please contact us at our 24/7 Call Centre at 111-1-HABIB(42242) or visit your nearest HABIBMETRO branch.

Ms. Tahira Raza has an experience of over four decades in the banking industry of Pakistan. Previously, she has served as the President and Chief Executive Officer of First Women Bank Limited. Her areas of expertise include risk, credit and human resource management, audit, trade and finance and general banking as well as corporate governance, leadership and project management skills.

Ms. Raza is a Master in Business Administration (MBA) in Banking and Finance from the Institute of Business Administration (IBA) and is a banking diploma holder from the Institute of Bankers Pakistan (IBP).

Mohsin is a seasoned corporate banker with over 25 years of banking experience, covering Asia (East and South-East), Middle East and Levant regions.  He was the CEO for UAE at Standard Chartered PLC and in his penultimate role, he looked after Standard Chartered Bank Pakistan Limited as CEO. Prior to that, he managed Barclays Bank Pakistan as their Country Head and Managing Director.

Mohsin’s experience spreads across corporate banking, fixed income markets and Islamic Banking. In his previous stints, he headed the Asian syndicated loans business for ABN AMRO bank based out of Singapore, he was the co-head of Asian Debt markets for Citigroup in Hong Kong. Mohsin was also appointed as Senior Credit Officer (SCO) & Senior Securities Officer (SSO) during this period. In June 2005, Mohsin joined Citigroup Dubai as Regional head of corporate banking for Middle East, where he was responsible for building the corporate business and a strong and diversified team.

Mohsin is an MBA from Institute of Business Administration, Karachi.
He is married and has four children, two daughters and two sons. He enjoys playing bridge and is actively involved in social, educational and charitable activities. Mohsin is currently on the board of I-Care Pakistan while he has served on the boards of CDC, Pakistan Centre for Philanthropy (PCP), Kidney Centre and as a trustee in the IBA endowment fund.

Khurram is a seasoned banker with over 30 years of experience spanning risk and credit management, corporate, investment and transaction banking in local and multinational financial institutions, including Banque Indosuez and Standard Chartered Bank, where he served as Country Chief Risk Officer & Chief Credit Officer.

He has held several senior management positions, including Chairman, Board of Directors at Standard Chartered Modaraba and Standard Chartered Leasing and Director at HABIBMETRO Financial Services.

Prior to taking charge as President & CEO of HABIBMETRO, he led the Corporate & Transaction Banking Group at the Bank, as an SEVP and a member of the Management Committee.

Khurram is an MBA from University of Rochester, USA, and also holds a BSc Engineering degree from UET Lahore. He is also a Certified Director.

Mr. Rashid Ahmed Jafer has an experience of 37 years with M/s. A.F. Ferguson & Co., including 23 years as a partner at the organization. He is a fellow member of the Institute of Chartered Accountants of Pakistan (ICAP) and enjoys an expertise in statutory audit.

He has been a member of the Professional Standards and Technical Advisory Committee of ICAP for several years and is also a member of the SBP – ICAP Coordination Committee.

Mr. Mohamedali R. Habib is a graduate in Business Management – Finance from Clark University, USA. He also holds a Post Graduate Diploma in General Management from Stanford – National University of Singapore. Mr. Habib has worked in the corporate sector for three decades, in various managerial capacities across different industries, including multinational projects. Mr. Habib stepped into the banking industry in 1996 when he joined Habib Bank AG Zurich, where he has worked in different capacities.

In addition to serving as the Group CEO of Habib Bank AG Zurich, Mr. Habib holds other directorship positions in Indus Motor Company Limited and Thal Limited. He is also serving as Chairman of HBZ Finance Ltd. Hong Kong.

Mr. Mohomed Bashir is an experienced businessman and a known figure in the textile industry. He holds a fellow membership of Chartered Institute of Management Accountants (C.I.M.A), UK. Presently, Mr. Mohomed Bashir is the Chairman & Director of Gul Ahmed Textile Ltd., and also holds directorship of Gul Ahmed Energy Ltd, Gul Ahmed Holdings (Pvt.) Ltd., GTM (Europe) Ltd., UK, Gul Ahmed International Ltd., (FZC) UAE.

Mr. Hamza Habib was appointed as a non-executive director of Habib Metropolitan Bank Ltd. in 2020. He is also a director on the board of Agriauto Industries Ltd, a PSX-listed company. He has over 14 years of banking experience and is currently the Head of Corporate Banking at Habib Bank AG Zurich (HBZ) in Dubai, UAE. Mr. Habib has held various positions within the HBZ Group, including Alternate Chief Executive at Habib Bank Zurich (Hong Kong) Ltd, prior to which he was an Area Head with HBZ in the UAE. He also worked with Standard Chartered Bank in Geneva and London.

Mr. Hamza Habib graduated from Babson College in Wellesley, Massachusetts (USA), with a Bachelor of Science in Business Management. He is also a Certified Director from the Pakistan Institute of Corporate Governance.


Mr. Abbas is recognized as a decisive and pioneering C-level Officer and advisor reputed for strategy and leadership, with a wealth of experience in Financial and Banking sectors. Over 25 years he has been driving e-business, customer product solutions, revenue generation and innovative financial solutions through use of technology and strategic partnerships

As a highly personable subject matter expert in Payments, Microfinance, and Transactional Banking, this trusted board advisor has demonstrated adaptability and strategic thinking to develop high performing teams, systems and solutions in highly competitive yet traditionally structured environments.

With the technical and commercial expertise to deliver tangible results, Mr. Abbas will quickly add value to any forward thinking organization and its partners.

Mr. Habib is a banker by profession, with over 40 years of experience. He is presently the President of Habib Bank AG Zurich. Additionally, he holds directorships of HBZ Bank Ltd., South Africa, Habib Canadian Bank, Canada, and Gefan Finanz AG, Switzerland. Mr. Habib is a graduate in Finance from Babson College, Boston MA. USA.