For opening an saving/current a/c banks are not charging anything. U can open saving a/c in any bank but for opening a current a/c banks will always ask a letter from your employer/salary trf. letter. All banks are charging bank charges for not maintaining minimum balance in saving a/c. These charges are vary from bank to bank from Qr.25 to Qr.100 and minimum bal. also vary from Qr. 500 to Qr. 2000 or so.