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HBL FreedomAccount

This account provides a range of free unlimited features catering to the banking needs of individuals and business persons, enabling them to fulfill their requirements with a convenient and hassle-free banking experience


  • Free unlimited Cheque Books
  • Free unlimited Banker’s Cheques
  • Free HBL DebitCard* (issued to Individuals and Sole Proprietors only)
  • Free Duplicate Account Statements
  • Free Intercity Fund Transfers through the HBL network
  • Free Intercity Cash Deposit and Withdrawals through the HBL network
  • Waiver on Cheque Return Charges for outward clearing of cheques
  • Free Intercity Cheque Clearing
  • Free cancellation of Banker’s Cheques
  • Free Stop Payment of cheques
  • Free SMS alerts for all transactions (available to Individuals and Sole Proprietors only)
  • Free 1 Link/M.Net services
  • No charges on cheques returned for inward clearing/collection

*(All variants of HBL DebitCard, except for the Classic variant, will be charged as per the existing SoBC)

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
  • For the month in which the actual balance is below PKR. 25,000 even for a day, cumulative transactions charge at PKR. 60 per transaction will be applicable in lump sum at the month-end on all customer initiated Debit transactions during the month, which will be auto recovered by the system.

Important Documents

Key Fact Sheet (HBL FreedomAccount) - Jan 2020.pdf  
Size: 242 KB
Key Fact Sheet (HBL FreedomAccount) - July 2019.pdf  
Size: 37 KB
Key Fact Sheet (HBL FreedomAccount) - Jan 2019.pdf  
Size: 83 KB
Key Fact Sheet (HBL FreedomAccount) - July to December.pdf  
Size: 52 KB
Key Fact Sheet (HBL FreedomAccount) - January 2018.PDF  
Size: 80 KB