Pakistan’s State Bank has launched InvestPak, a groundbreaking digital platform enabling individuals and corporations to invest in government securities online. The web based system allows users to open IPS accounts, participate in auctions, and trade in the secondary market all in real time. Scheduled to go live on November 6, 2025, InvestPak marks a major step in Pakistan’s journey toward financial digitisation, transparency, and inclusive investment.
ISLAMABAD, November 4, 2025 — In a major step towards financial inclusion and digital transformation, the State Bank of Pakistan (SBP) has launched ‘InvestPak’, a pioneering digital platform that enables individuals and corporations to invest directly in government securities online. The initiative marks a milestone in Pakistan’s push to modernise its financial ecosystem and expand retail access to sovereign investment opportunities.
According to the SBP, InvestPak allows customers of financial institutions to digitally open Investor Portfolio of Securities (IPS) accounts, participate in government securities auctions, and trade in the secondary market — all without visiting a bank branch.
“The portal will enable account holders to bid in the primary auction of government securities and conduct buy/sell transactions in the secondary market seamlessly,” the central bank said in its official statement.
Inclusive and Secure Digital Access
All individuals, joint account holders, and corporates with Pakistani bank accounts are eligible to register on InvestPak using their IBAN (International Bank Account Number). Those without an existing IPS account can request account opening directly through the portal, streamlining what was previously a paper-based and time-consuming process.
Through InvestPak, investors can submit competitive and non-competitive bids for Treasury Bills (T-Bills), Pakistan Investment Bonds (PIBs), and Sukuk, while also receiving live trading quotes from financial institutions for secondary market activity. All transactions will be reflected in real time in users’ digital portfolios, enhancing transparency and traceability.
Transparent Auctions and Efficient Complaint System
SBP stated that government securities auctions will be hosted on the portal in accordance with the official auction calendar. Participating banks and Primary Dealers (PDs) are required to ensure full facilitation of users for bidding and investment activities.
The portal also includes a built-in complaint management system, where users can raise, track, and resolve issues online. “Financial Institutions must allocate adequate resources to ensure prompt resolution of customer complaints received via the portal,” the SBP emphasized.
Empowering Investors, Driving Digital Growth
The central bank has directed all banks and PDs to facilitate customers’ registration and access to InvestPak, while Microfinance Banks (MFBs) are encouraged to onboard their customers as well. SBP stressed the importance of high service standards and user-friendly digital experiences to ensure mass adoption of the new platform.
The InvestPak portal is set to officially go live on November 6, 2025, representing a key component of SBP’s broader strategy to digitise financial services and promote inclusive investment across Pakistan.
“InvestPak embodies our vision of making Pakistan’s financial markets more accessible, transparent, and efficient,” an SBP official noted. “It bridges the gap between retail investors and sovereign instruments through technology.”
With this launch, Pakistan joins a growing list of countries digitising government securities investment, furthering SBP’s mission to enhance financial participation, transparency, and innovation within the national economy.
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