1.

Current Accounts

A safe way to gather funds, HBL’s current account allows individuals and
businesses to deposit money and withdraw funds anytime. Funds can be
withdrawn through cheques, ATMs, fund transfers, among other methods.

 HBL Basic Banking Account

A simple bank account for individuals with minimum transactional requirements. It enables
customer to fulfill its basic banking needs.

Features

 Open an account with just Rs.1, 000.

 No minimum balance requirement.
 Avail up to two chequing withdrawals in a month (for more transactions, charges
applicable as per the prevalent Schedule of Bank Charges)
 Access numerous branches and ATMs across Pakistan

Customer should provide following documents to open basic banking account.

 Original CNIC along with verified copy

 Proof of income
 Copy of recent utility

 HBL Conventional Current Account

For individuals & entities seeking a secure and reliable current account, the HBL Conventional
Current Account gives these customers the ease to conduct unlimited transactions, anywhere in
Pakistan.
Features

 No service charges on maintaining a minimum monthly average balance of Rs. 5,000*

 Access account through HBL Debit Card, Internet Banking and HBL Phone Banking, 24
hours a day, 7 days a week
 Benefit of availing unlimited transactions

Customer who want to open Hbl conventional current account provide following documents

Sole Proprietor to provide:

• Original CNIC along with verified copy
• Request Letter
• Copy of NTN certificate

Individual to provide
Original CNIC along with verified copy
Proof of Income
Copy of recent utility bill

Partnership firms to provide:

• Attested copy of certificate of registration
• Certified copy of partnership/partnership deed
• Letter of partnership
• Copy of NTN certificate
• Verified CNIC copies of partners

Companies to provide:
• Certificate of incorporation
• Memorandum of association
• Articles of association
• Certified copy of Form 29
• Verified CNIC copies of signatories

Copy of NTN certificate and SECP registration

Service charges as per the prevalent SOBC will apply if minimum balance falls below this
amount.

 HBL Freedom Account :

This account offer a variety of free unlimited features serving to the banking needs of business
persons. It is created for partnership firms ,sole proprietors and companies across all industries,
enabling them to perform their business requirements with a convenience and hassle-free
banking experience.

Features

 Free inter-city cheque clearing

 Free stop payment of cheque
 Free SMS alerts on all transactions
 Waiver on cheque return charges
 Free issuance and cancellation of banker’s cheque
 Free cheque book and duplicate account statement
 Free funds transfer
 Free cash withdrawals and deposits
 Free HBL Debit Card (Individuals & Sole Proprietors)
 Free online funds transfer transactions*
 HBL network offer facility of free fund transfer between cities through HBL Freedom
Account.
 Free SMS alert service available to individuals and sole proprietors for all transactions

Applying Procedure:

Sole Proprietor to provide:

 Original CNIC along with verified copy

 Request Letter
 Copy of NTN certificate

Partnership firms to provide:

 Attested copy of certificate of registration

 Certified copy of partnership/partnership deed
 Letter of partnership
 Copy of NTN certificate
 Verified CNIC copies of partners

Companies to provide:
  Certificate of incorporation
 Memorandum of association
 Articles of association
 Certified copy of Form 29
 Verified CNIC copies of signatories
 Copy of NTN certificate and SECP registration

*Terms and conditions apply

Terms and Conditions

 Account holder must maintain a minimum balance of PKR. 25,000

 Service charges apply if minimum balance falls below PKR 25,000
 *Free Online Funds Transfer for Freedom Account refers to funds transfer from HBL
Freedom Account to any other HBL account

HBL Asaan Account:

A current account that offers ease with the simplest account opening requirements. Experience
hassle-free banking and convenience.

Benefits

 Open an account with just PKR 100/-

 Free first year Pay Pak debit card
 No minimum balance requirement
 Avail up to 4 free over-the-counter withdrawals every month
 Maximum account balance up to 500,000
 Simple 1 page account opening form
 Receive biannual account statements
 Access E-statements, 24 hours a day
 Cheque book, E-statement, SMS Alerts available

Applying procedure
Applicant to provide:
To open Asaan Account any one of document written below is used as proof of identity.

• Computerized/Smart National Identity Card (CNIC/SNIC)

• National Identity Card for Overseas Pakistanis (NICOP)
• Pakistan Origin Card (POC)
• Alien Registration Card (ARC)
• Passport
• Pension Book 

Minor Applicant to provide

• Photocopy of Form-B
• Minor to provide Birth Certificate or Student ID card 
• Guardian to provide photocopy of any of identity document as provided above

 HBL iD

An account serving the needs of youth aged between 18 to 24 years. It offers a wide range of
exciting discounts and benefits your favorite restaurants, shop at the trendiest stores or simply
top up your mobile credit through HBL Mobile app to catch up with friends.

HBL iD Features

 Free debit card issuance

 Amazing discounts up to 20% at leading restaurants and retail outlets across Pakistan
 No minimum balance requirement
o Free mobile banking app

 HBL iD Savings Bucket

HBL ID Saving Bucket offer bucket of excitements with special feature of earning profit on
short term investment.
Whether customer want to save up for a new cell phone or plan a vacation with friends, this
account helps him to meet his saving goals. To apply for a Savings Bucket, 

• Set an amount to fill saving bucket monthly from HBL iD account

• No minimum amount requirement
• Choose a saving period from 3 to 12 months
Customer will earn a profit on his savings and when the saving period ends, the money will be
transferred back to his HBL iD Account for you to use. Customer can also open two Savings
Buckets at a time. Fill out HBL request form today and make the most of savings!

Applying Procedure
Applicant to provide:
• Student ID card 
• Original CNIC along with verified copy 
• Copy of recent utility bill

 HBL Foreign Currency Current Account

An account ideal for all Pakistanis and foreign nationals who wish to maintain foreign currency
deposit.

Features

 Open an account in USD, GBP and EUR and other applicable currencies
 Maintain a minimum amount balance equivalent to USD 1,000*(For USD/GBP/EUR)
 Acquire cheque book as per prevalent SOBC
 Obtain semi -annual statement of account and right to use e-statement

How to Apply

 Original CNIC/NICOP along with verified copy

 Proof of Income
 Copy of recent utility bill

Terms and conditions apply.

* if minimum balance falls less than 1000 USD then services charges must be apply.

 HBL Hum Watan – Local customers

HBL Hum Watan local variant will allow Pakistani work force traveling abroad or local
remittance beneficiaries to open account from any HBL branch in Pakistan to receive the Inward
Foreign Remittances. Customer valuable remittance is safe with this account and customer can
withdraw amount of any value free of cost from any HBL Branch later on with no worries of
withholding tax (WHT) deduction.
Benefits

 No minimum balance requirement, so no service charges apply

 Single pager simple Account Opening form
 Accounts will be funded through foreign remittance only. No local credits will be
allowed in these accounts
 Current Account for Single Individuals only. Joint account services/operations will not be
available
 Free starter cheque book of 10 leaves however, subsequent cheque book(s) will be
chargeable as per prevailing SOBC
 No withholding tax will be deducted on cash withdrawal of any value
 Funds remitted into these accounts are non-repatriable
 Facility of HBL Debit Card, Internet Banking, SMS Alerts and Mobile Banking will be
available
 Get up to 20 % dining discount with a HBL Debit Card at preferred restaurants

Application Criteria
One pager Account Opening Form of HBL Hum Watan Account. Only for Pakistani Nationals
(dual national can apply*)

For Individual:
NADRA Issued Identity Document for Pakistani Nationals.

*Terms & Conditions Apply

Additional Documents may be required based upon customer’s profession
 

 HBL Pensioner Account

Ideal for retired individuals, this account allows customer to save without having to worry about
returns or savings. Enjoy modest returns with easy access to your funds, HBL’s Pensioner
Account offers customer the flexibility and capability to bank with ease.

Features

 Transactional capability.
  No minimum balance requirement
 Open an account with just PKR 1

How to Apply

 Original CNIC along with verified copy

 Proof of retirement