Functional ATM’s during Eid.

At the start of Ramazan, banks froze accounts for three days for zakat deduction, and the ATM’s soon ran out of cash forcing many people to “borrow” cash. Now that eid’s just round the corner banks have been told to keep their ATM’s stashed with cash round the clock so that people don’t face any problems.

No no, this isn’t a government or bank bashing post. This is a me hoping ATM’s will be functioning during eid because after all our eidi’s might depend on it!

27 Comments so far

  1. sadia (unregistered) on October 24th, 2006 @ 12:23 am

    does ANYTHING in this city work properly? :|


  2. Mona (unregistered) on October 24th, 2006 @ 3:38 am

    Hey! Jeez, so much to catch up about Karachi!!

    ATMs in Karachi!!

    Sorry I am like 5 years behind as not visited for the past 5 years! Can’t wait to be there!!


  3. Aussie_Paki (unregistered) on October 24th, 2006 @ 7:00 am

    Oh when did they introduce ATMs in Karachi =D??


  4. sadia (unregistered) on October 24th, 2006 @ 9:57 am

    lol @ aussie_paki

    wake up, dear :P


  5. IllusionFS (unregistered) on October 24th, 2006 @ 10:02 am

    Sadia, a lot works properly. If you really want to make something proper, why dont you start paying your maasi 10,000-20,000 Rs. instead of a meager 2,000 Rs. cos thats really what she deserves because of all the work that you make her do.

    I am sorry, but I just hate people complaining. Sorry if I offended you. “Be the change that you want to see.” Gandhi


  6. IllusionFS (unregistered) on October 24th, 2006 @ 10:04 am

    Aussie Paki & Mona: I as a consumer believe the banking in Pakistan is a lot better than it is in the UK or the US. I might be biased, but thats what I believe. I hope you enjoy your trips in Karachi and plan to move back for good.

    Cheers


  7. Captain's Log (unregistered) on October 24th, 2006 @ 10:12 am

    IllusionFS, banking in US is much much better/easier than UK. It’s a personal experience. UK was the worst, even to get account open you have to get so many docs. Here in US, go to any bank, present any photo id and you are all set. They even give students insecure credit cards within a month or two upon your arriavel like Amex student, Citi student and Discover student. They give you so much credit for zero % APR for 12 months to 18 months just in the hope you would miss some time :-)


  8. IllusionFS (unregistered) on October 24th, 2006 @ 10:19 am

    Captain Sahab, its not the comparison of UK vs US that matters. For your information, UK also gave Overdrafts and big credit limits to students till recently. Stopped after a lot of money was defrauded, now they are being cautious. Anyways, I just find the system in Pakistan convinient. Once cashed out 2000 quids in the UK and it took them a very long while to digest the fact lol and to gather the notes and all.. Have seen cash transactions worth millions in Karachi and they are so butterly smooth. But it might be the whole system, as most of the transactions in the UK/US are non-cash.

    kher.


  9. Extiinct (unregistered) on October 24th, 2006 @ 10:43 am

    Sadia: karachi wouldn’t be karachi if everything worked now would it? besides that’s half the charm of the place. hehe. Besides it teaches us to be innovative if nothing else.


  10. Faisal (unregistered) on October 24th, 2006 @ 11:43 am

    “They even give students insecure credit cards”

    This one is too good to pass up.
    The Gold Visa card was feeling insecure
    because its credit limit was not as high
    as the Platinum Mastercards.

    Granted that it very well may have been a
    typo since the “i” is right next to the “u”
    on the keyboard, it is nevertheless funny as
    i’m sure the intention was to write “unsecure”
    credit cards.


  11. Mona (unregistered) on October 24th, 2006 @ 12:19 pm

    @IllusionFS

    Yeah I would have loved to moved if I had any relatives :P They are “Nah honay kay barabar”, the ones who are there have a “don’t care” attitude… just my grandparents I have there to whom I am looking forward to meet – Insha Allah!! =(

    But hey, I would love to contribute something to Pakistan and its people – as I do have a great bond with that place, Karachi to be specific :(


  12. Aussie_Paki (unregistered) on October 24th, 2006 @ 12:27 pm

    Hey Illusion,

    Yeh I wish I could move…but I wouldnt. Allah has presented me with so many opportunities here that I wouldn’t have been able to achive. Like success in the field of IT, which is sterotypically considered not for girls (even here in Australia, but at least women get the recognition and encouragement to do well)…so yeh…nah no moving back. Except, I do really miss the place very much – it gets so nostalgic, thinking about the place – where we lived, what we used to do when, on Eid etc….I do miss the good times, and may be there might be more peace of mind there but perhaps too hard to get used to it again. And I find, most of my old school mates are so selfish and cold, even my cousins. Like if you would tell them something good, rather than being happy or complimenting you they say “Ok” and expect a different reaction when they tell me something. Is it only them? Or in general I am too used to the so called “polite” /dimplomatic/political Australian way of dealing with people? Is it people in Karachi just don’t care and wouldnt even use the norm words ‘Please’ and ‘Thank you’. Please dont see it as criticism as I am yet to visit back and judge the place a bit better since I moved overseas for the first time. I miss my grandparents and hence I am visiting with Mona in 4 weeks and a bit =D

    @Sadia,

    Sorry Sadia, thats what you would expect from somone who hasnt visited Karachi/Pakistan for half a decade :). I beg your pardon.

    Cheers.


  13. Aussie_Paki (unregistered) on October 24th, 2006 @ 1:36 pm

    Illusions….How much could you take out in Karachi from an ATM? Do overseas bank cards work? Here in Australia you can only take out around 1000 bucks in 1 day or go to the bank to retrieve more if needed.


  14. ga (unregistered) on October 24th, 2006 @ 2:15 pm

    What the hell is mandatory zakat? Sorry, I am not familiar with Pakistani banks but I thought zakat was supposed to be voluntary?


  15. Kashif Ali Bhutto (unregistered) on October 24th, 2006 @ 2:29 pm

    @ Aussie_Paki

    You can withdraw upto Rs. 250K in a single day! You just have to mention your limit while applying for the card. I personally have withdrawn Rs. 100K in a single day in KHI.

    And yes, International ATM cards do work, if they have Mastro/Cirrus logo. International VISA cards can also be used for cash at selected ATMs. All CitiBank and SC ATMs in KHI support international VISA/Master for advance cash.

    And please, oh please, dont compare our poor Karachi with developed world. We know we are behind, but we are very happy here.

    Regards,


  16. Kashif Ali Bhutto (unregistered) on October 24th, 2006 @ 2:38 pm

    @ga

    You can provide them Zakat Exemption Certificate. They wont deduct Zakat then. This Certificate can be easily obtained within 10 mins from Oath Commissioner.

    Alternately you can simply open a CURRENT account instead of PLS. No automatic Zakat deduction on CURRENTS accounts.


  17. Break the Rules (unregistered) on October 24th, 2006 @ 2:50 pm

    sometimes it seems that most of the people who post comments on KMB are living away from khi. Don’t the locals want to know whats happening in the city—the newspapers are too impersonal for me and i much prefer getting my local news from KMB and other blogs and ofcourse being able to dicuss it freely. Sometimes the ignorance of non-karachi-based posters is a little annoying.

    anyway to address the topic:

    @aussie-paki: you can withdraw RS.15,000 cash in 24 hours from an ATM.

    @GA: zakat is forced out of you one day before ramzan every year but there are many ways to circumvent the system:
    1. transfer your money from a savings to a current account for about a week before ramzan
    2. get a zakat exemption certificate made from a public notary. its possible for almost anyone to get such a cert no matter which clan you belong to.


  18. Kashif (unregistered) on October 24th, 2006 @ 2:57 pm

    We have to be a bit proactive I think when we exactly know how the pathetic system around us works. I try to have ample cash with me to last during bank holidays, withdrawan on 28th ramadan.

    I have used number of banks here and so far found ATM issues only with MCB. They suck big time. Best service so far is of ABN Amro.


  19. Adnan Siddiqi (unregistered) on October 24th, 2006 @ 3:56 pm

    @Captain: Just put a beared on your face and change your name to some Arabic name, then I will ask you how a US bankig system works.

    @Mona: It sems you are not in touch with anyone back in Pakistan or too busy in your American life? *grin*, BTW, how are you?


  20. Original-Anon (unregistered) on October 24th, 2006 @ 4:49 pm

    Having experienced both the US and Pakistani banking systems, I can’t imagine anyone even trying to compare the two. The system in Pakistan is so inconvenient, so annoying.


  21. UZi (unregistered) on October 24th, 2006 @ 5:04 pm

    Oh the “system” in Paki-land’s great, if you’re loaded with cash, which unfortunately, most of us aren’t! :)

    PS :: You can withdraw Rs 20,000 from UBL waaley ATMs; don’t know about the rest.


  22. Aussie_Paki (unregistered) on October 24th, 2006 @ 7:06 pm

    Thanks guys,

    Well…Kashif, no one said you are unhappy there and as I said I didnt mean to offend anyone.

    I have a Visa card…wonder if it would work=/.


  23. Aussie_Paki (unregistered) on October 24th, 2006 @ 7:21 pm

    @Adnan,

    Hmm American? Rather Aussie life :P…I reckon its just we have a lot of family and friends who don’t really care, so we have left caring also…it gets a bit personal here…but yeh the bottom line is, you do whatever you could, but you cant make everyone happy so why bother if they never see your efforts :). I’d rather be busy with my simple career orientated life than be unhappy cos I cant make my extended family happy :).

    I don’t think all people are like that…please reassure :).


  24. Mona (unregistered) on October 24th, 2006 @ 7:58 pm

    @Adnan

    Not America, Pakistani Australian ;). Neh I tried my best to stay in touch… but there are exceptions!!

    Anyway!! Heaps to catch up about Karachi ;).. so yeah love these forums :)


  25. d0ct0r (unregistered) on October 24th, 2006 @ 8:58 pm

    @Kashif Ali Bhutto you withdrew 100k(100,000) in a single day from a single ATM? thats not possible… ATM machines have max limits of aroun 15000-20000 for 24 hours and you can’t withdraw more then that…kindly explain…

    secondly if i am not wrong then MCB had ATMs installed in karachi for almost more then 8-10 years now


  26. Adnan Siddiqi (unregistered) on October 24th, 2006 @ 10:21 pm

    Mona, I am sorry i mixed with someone else:(

    @Doctor: he put an additional zero by mistake:)


  27. sadia (unregistered) on October 24th, 2006 @ 11:36 pm

    @ IllusionsFS

    “If you really want to make something proper, why dont you start paying your maasi 10,000-20,000 Rs. instead of a meager 2,000 Rs. cos thats really what she deserves because of all the work that you make her do.”

    Yeah I agree with you.

    and we should really, instead of complaining try and do something about our problems…. but as far as ATMs are concerned, thats hardly in our hands isnt it.

    @extiinct
    so true! but I still love my city :)

    @ Aussie_Pak
    No worries yaar. Have a great time when you come back



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