As the holy month of Ramadan approaches in 2025, banks across Pakistan are set to operate under revised working hours to accommodate the needs of the fasting public. The State Bank of Pakistan (SBP) customarily announces new bank timings during Ramadan, ensuring that both customers and employees can effectively manage their banking activities while observing the spiritual practices of the holy month.
Revised Banking Hours During Ramadan 2025
During Ramadan, banking hours in Pakistan typically undergo modifications to align with the daily fasting schedule. While the official notification from the SBP is awaited, based on previous years’ patterns, the expected bank timings in Ramadan 2025 may be as follows:
For Public Transactions:
- Monday to Thursday: 9:00 AM to 2:00 PM (without a break)
- Friday: 9:00 AM to 1:00 PM (without a break)
For Internal Bank Operations:
- Monday to Thursday: 9:00 AM to 3:30 PM
- Friday: 9:00 AM to 2:00 PM
These timings are designed to ensure that customers have sufficient time to conduct their financial transactions before Iftar while also allowing bank employees to observe Ramadan with ease.
Online Banking and Digital Transactions
With the growing adoption of digital banking services in Pakistan, many customers prefer to use online banking, mobile banking apps, and ATMs for their financial needs. Banks are expected to encourage customers to utilize digital channels, particularly during Ramadan when physical banking hours are reduced. Most banks in Pakistan offer 24/7 online banking services, enabling customers to conduct transactions such as:
- Funds transfers
- Bill payments
- Mobile top-ups
- Utility payments
- Account balance inquiries
ATM Services and Customer Support
Banks ensure that their ATMs remain operational throughout the month to facilitate uninterrupted access to cash withdrawals and deposits. Customers are advised to plan their transactions in advance to avoid any inconvenience due to increased banking demand before Iftar or Eid-ul-Fitr.
Additionally, most banks have dedicated customer support services that continue to operate as per normal schedules. Customers can reach out via helplines, email, or chatbot services for assistance regarding their accounts and transactions.
Impact of Ramadan Timings on Business and Economy
The reduction in banking hours during Ramadan slightly affects business operations, particularly for sectors that rely heavily on banking services, such as retail, trading, and financial markets. To mitigate any disruptions, businesses are advised to schedule their transactions during the available banking hours or shift to digital solutions.
Guidelines for Customers
To ensure a smooth banking experience during Ramadan, customers should:
- Plan Transactions Early: Visit banks earlier in the day to avoid the last-minute rush before closing time.
- Utilize Digital Banking: Make use of mobile and internet banking for quick and secure transactions.
- Be Aware of Friday Timings: Note that Friday banking hours are shorter, so plan visits accordingly.
- Withdraw Cash in Advance: As ATM demand increases during Ramadan, withdraw necessary funds in advance to avoid last-minute inconveniences.
- Check with Specific Banks: Different banks may have slightly varied schedules, so customers should check with their respective banks for precise timings.
Conclusion
Ramadan bank timings in Pakistan are designed to facilitate both customers and bank employees while respecting the essence of the holy month. The State Bank of Pakistan’s expected notification will confirm the exact schedule, but customers can prepare in advance by using online banking and planning their transactions accordingly. With digital banking options available 24/7, financial transactions can be conducted conveniently, ensuring a hassle-free Ramadan experience for everyone.
