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You can get bad service with an attitude, instead of just plain good old fashioned bad service.
Far as transferring money goes, which it should be just as simple as you mention, withdraw money from any branch of that back anywhere, in reality it doesn’t work like that.
I totally agree with KO.
[Translation from CNBC’s Urdu comment] “Banks manager/staff/executives have iron-rod in their backbone.” Meaning, they have extra attitude problem. Which is totally true and I can confirm with my experiences with many local banks (HBL, UBL, MCB, Askari).
By the way, naseerz, HBL (including Askari) sucks big time. There was not a single visit in last 12 years when they have receive me (or anybody else that I see in banks) with even just a smile. When someone is taking his own money out of his own account, they treat it like they are giving you alms with such body language like they were born with incurable gastric problem.
If you want your money to be safe, keep it divided in different banks (whether you use them or not).
If you want to spend money outside Pakistan then get an international debit-card/credit-card like MasterCard or Visa.
If you are trading with any country more than other countries, like for example USA, then visit that country for few days and open an account there and manage it through internet. Tell your clients/customers to deposit your money into that bank. It will protect you from extra deduction from conversion from US/Euro to Pakistani Rupee. Keep some of your money (so that you can quickly payout customers/clients outside Pakistan using internet account) outside Pakistan in Euro or Dollar (I prefer Euro when I am in EU).
By the way, don’t put your money in CitiBank. I sense it in early 2000 and removed large amount of money this bank. I knew this bank is going down because they were laying off thousands of people every year and their annual bank reports were not good. In this current banking crisis, I am very happy to see CitiBank is sucking pus from it’s own wound. Die you monster!