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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

For opening an HBL FreedomAccount, the existing documentation checklist will be applicable for each customer segment (according to the customer segment opted for)

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

HBL FreedomAccount (Key Fact Sheet) - Jul - Dec 2020.pdf  
Size: 255 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