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HBL PhoneBanking 111-111-425

HBL DebitCard FAQs


To activate your HBL DebitCard, please follow the steps mentioned below:

Step 1: Generate your 5 digit activation code by sending the following SMS to 4250 using your HBL registered mobile number:

DC(Last 4 digits of your Debit card)
Example: DC4321


  • This activation code will be valid for 3 days only.
  • In case your activation code expires, follow step 1 to re-generate your activation code.

Step 2: Visit any HBL ATM with your HBL DebitCard, CNIC number and 5 digit activation code.

Step 3: At the HBL ATM, follow the steps mentioned below:

  • Insert your HBL DebitCard into the ATM and select your preferred language (English or Urdu)
  • Enter the 5 digit activation code
  • Enter your date of birth (DD-MM-YYYY)
  • Enter your 13-digit CNIC number
  • Enter a 4-digit ATM PIN of your choice using the keypad
  • Re-enter the ATM PIN for validation

Once you have completed these steps, your HBL DebitCard will be activated.

In order to lodge a written complaint, write to us on the following address

Complaint Resolution Unit
HBL PhoneBanking
3rd Floor, HBL Plaza, Karachi.

3D Secure

HBL 3-D Secure is a global authentication service offered by HBL to its cardholders. It provides the cardholder with a One Time Password (OTP) ensuring that only the real cardholder is able to complete an Internet-based transaction, improving online security.

Chip & PIN

Your HBL DebitCard will now provide enhanced financial security to your transactions via the 4-digit PIN which you define. This PIN should be known only to you and you need to enter this PIN at the POS machine to authenticate the transaction.