Bank Accounts for Afghan Refugees

Sher Khan (not his real name) is an Afghan, who was born in Pakistan and has known no other country. He is in his late twenties and already has three children. These children are technically Afghans but like their father have never known any other country but Pakistan – the adopted homeland of their grandparents. Sher Khan is an honest and hardworking man and performs his job as a watchman with vigilance and rare commitment. I have found him to be thoroughly dependable and better than those holding genuine Pakistani CNICs. I want to keep him for the long term and would like to deposit his pay check directly into his bank account on a monthly basis. The online payment is hassle free and can save me a lot of botheration. I can’t do it because banks have very strict instructions about not opening accounts for aliens without proper documentation. Sher is registered with NADRA as a refugee and has an alien card. The card expired last year and the renewal is pending because Government is yet to decide how long they would be letting Afghans stay in Pakistan. As per instructions received by the local banks, an Afghan residing in Pakistan should have an Afghan passport and work visa to open an account. Even this is problematic because the account holder has to frequently get the visa renewed to let his account remain valid. A bank account is a good way of keeping track of a monetary trail and brings the grey economy into the fold of the mainstream. Not allowing the Afghans to open a bank account is to encourage them to make financial transactions outside the tax net. This by extension denies the authorities to check the money trail and prevent it being used in any illicit activity. In my opinion the approach of excluding the Afghans from opening bank accounts is extremely counterproductive. They should be allowed to open bank accounts and be made part of the normal economic activity. Most Afghan refugees, like most Pakistanis are honest, hardworking and decent people. They should be integrated and not segregated. Most of us are apprehensive about the perceived harsh immigration policies that become part of the Donald Trump Presidency. The why should we be adopting patently bad policies to marginalize and antagonize Afghan refugees. These people have been in Pakistan for a number of generations now and therefore we must be careful in crafting our Afghan refugee policies. Better sense and prudence should be our leitmotif.