Habib Bank Limited
Habib Bank Limited (HBL) is the largest bank in Pakistan, with a network of roughly 1,700 branches and 2,100+ ATMs nationwide plus a wide international presence. It offers conventional and Shariah-compliant (HBL Islamic Banking) services to personal, business and overseas customers, and is also known for the Konnect by HBL branchless-banking platform. This page covers HBL's accounts, cards, financing, digital banking, helpline and contact details.
HBL Accounts and Deposits
HBL offers a full range of current and savings accounts (including a simplified Asaan Account, a Freelancer account and Roshan Digital Account for overseas Pakistanis) and fixed term deposits. Profit on savings and term deposits is paid at rates reviewed periodically, so confirm the current rate and minimum balance with the bank before opening.
Debit and Credit Cards
HBL is one of Pakistan's largest card issuers, offering debit cards (Visa, Mastercard, UnionPay and domestic PayPak) and a wide range of credit cards with rewards, cashback and instalment plans. Check the schedule of charges for annual fees and mark-up before applying.
HBL Loans and Financing
- Personal loan: HBL personal financing for salaried and self-employed customers.
- Car / auto finance: HBL CarLoan for new and used vehicles.
- Home finance: HBL house/home financing for purchase, construction or renovation.
Approved amount, mark-up/profit rate, processing fee and tenure depend on your income, employment and credit history and are confirmed by the bank at the time of application. Confirm the latest products and rates on HBL's official website.
HBL Islamic Banking and Konnect
Through HBL Islamic Banking, the bank offers Riba-free, Shariah-compliant accounts and financing. Its Konnect by HBL branchless-banking service lets customers open a wallet, send and receive money, pay bills and use a Konnect debit card without a full bank account — useful for the unbanked.
Digital Banking: HBL Mobile and Internet Banking
Customers manage their accounts through the HBL Mobile app and HBL Internet Banking, with balance checks, fund transfers (including Raast and IBFT), bill payments, mobile top-ups and card controls. The Konnect by HBL app serves branchless/wallet customers.
HBL Helpline and Head Office
HBL's 24/7 customer contact centre (PhoneBanking) is 111-111-425 (111-111-HBL). The bank's head office is in Karachi (HBL Tower / Habib Bank Plaza). Use the branch and ATM locator on the official website to find your nearest HBL branch or ATM.
Frequently Asked Questions
What is the HBL helpline number? The 24/7 PhoneBanking contact centre is 111-111-425 (111-111-HBL).
What is the HBL mobile app? HBL Mobile for account holders, and Konnect by HBL for branchless/wallet customers.
What is Konnect by HBL? A branchless-banking wallet that lets you send/receive money, pay bills and use a debit card without a full bank account.
What loans does HBL offer? HBL personal financing, HBL CarLoan (auto finance) and HBL home/house finance, plus Islamic alternatives through HBL Islamic Banking.
Where is HBL's head office? In Karachi. HBL is Pakistan's largest bank by branches and assets.
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Corporate Identity and History
Habib Bank Limited, which operates under the brand identity HBL, is an active commercial bank in Pakistan. The institution holds a significant position within the country's financial sector.
The bank was established in 1947. In February 2004, the institution was privatized, at which time the Aga Khan Fund for Economic Development (AKFED) acquired a majority shareholding and assumed management control.
Operational Scope
HBL functions as a major commercial bank with a broad operational scope. Its activities cover retail banking for personal and household clients, as well as services for corporate, commercial, and small and medium-sized enterprise (SME) customers.
The bank's operations also extend into several specialized areas. These include Islamic banking, branchless banking, international banking, and digital banking services, indicating a diversified approach to financial service delivery.
The institution provides dedicated services for specific customer segments. These include women-focused banking through its HBL Nisa platform and financial products for agriculture-linked customers under the HBL Zarai banner.
Operational Scope
HBL functions as a major commercial bank with a broad operational scope. Its activities cover retail banking for personal and household clients, as well as services for corporate, commercial, and small and medium-sized enterprise (SME) customers.
The bank's operations also extend into several specialized areas. These include Islamic banking, branchless banking, international banking, and digital banking services, indicating a diversified approach to financial service delivery.
The institution provides dedicated services for specific customer segments. These include women-focused banking through its HBL Nisa platform and financial products for agriculture-linked customers under the HBL Zarai banner.
Services
Contact Information
HBL Tower, Plot No. G-4, KDA Scheme 5, Block 7 Clifton, Karachi 75650, Pakistan
111-111-425, 92-21-33116030