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HBL FreedomAccount

An account catering to the banking needs of business men. It offers a range of free unlimited features enabling them to conduct business with ease and convenience. It provides free unlimited features to salaried and self-employed individuals as well as business operating across multiple cities and industries.
This account is for sole proprietors, SME or traders, partners in a company, individuals working in hospitals or educational institutes, private and public sector companies, as well as those working for local and multinational companies.


  • 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*
  • Free intercity funds transfer through the HBL Freedom Account using HBL network
  • Free SMS alert service available to individuals and sole proprietors for all transactions

*Terms and Conditions: Account holder must maintain a minimum balance of Rs. 25,000**

How to Apply

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. These are expected rates and can change. All profits payable are subject to Zakat and Government Levies

**Service charges apply if minimum balance falls below this amount. *Free Online Funds Transfer for Freedom Account refers to funds transfer from HBL Freedom account to any other HBL account

Note: A charge of Rs. 50 + FED will be applicable to each debit transaction initiated by the customer during the month if the balance falls below Rs. 25,000 even for a single day.

Important Documents

Key Fact Sheet (HBL FreedomAccount) - July to December.pdf  
Size: 52 KB
Key Fact Sheet (HBL FreedomAccount) - January 2018.PDF  
Size: 80 KB