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HBL FreedomAccount

This account provides a range of free unlimited features catering to the banking needs of business persons. It is designed for sole proprietors, partnership firms and companies across all industries, enabling them to fulfill their business requirements with a convenient and hassle-free banking experience.


  • 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

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

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 FreedomAccount to any other HBL account

Note: For the month in which actual balance is below PKR 25,000/- even for a day, cumulative transactions Charge @ PKR 50/- per transaction will be applicable in lump sum at month end on all customer initiated Debit Transactions during the month and it will be auto recovered by the system

Important Documents

Key Fact Sheet ( HBL FreedomAccount)- July 2017.PDF  
Size: 78 KB
Key Fact Sheet (HBL FreedomAccount) - January 2018.PDF  
Size: 442 KB