Sign In
HBL PhoneBanking 600 522 228

HBL HumWatan

HBL offers overseas Pakistanis residing in foreign countries a chance to open a current or a savings account in HBL Pakistan. In addition to gaining an attractive rate of return on your savings, HBL’s HumWatan account allows you to send money safely and efficiently to family members back home.

Features and Benefits

  • Easy access to funds through debit card and cheque book.
  • Open either a current or a PLS Savings account which will enable your beneficiary to access funds across Pakistan. (In case of a PLS savings account, the profit accrual and payment convention of PLS (Profit and Loss Sharing) will be followed).
  • Enable relatives to access money 24 hours a day, seven days a week, from any HBL ATM. (A supplementary card is issued to relatives).
  • Acquire monthly PLS (Profit and loss sharing) profit (as per projected rate sheet)
  • Open account starting from just AED 50 or equivalent as initial deposit
  • Activate account in 27 clearing centre branches across Pakistan
  • No withholding tax deductions on profits or withdrawals
  • No minimum balance requirement, therefore no service charges
  • Some rules and restrictions apply
  • Funds remitted into these accounts are non-repatriable
  • Local credit will not be permissible in these accounts.
  • Zakat, wherever applicable, will be deducted as per rules.

Leave a call back message

Click here to leave a call back message.​

Frequently Asked Questions (FAQs)

Visit any HBL branch in the UAE