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HBL HumWatan

HBL offers Overseas Pakistanis residing in the UAE a chance to open a current or a savings account in HBL Pakistan. In addition to gaining an attractive rate of return on your savings, HBL's HumWatan account allows you to send money safely and efficiently to family members back home.​


  • Easy access to funds through debit card and cheque book.
  • Enjoy an attractive rate of return.
  • Enable relatives to access money 24 hours a day, seven days a week, from any HBL ATM. (A supplementary card is issued to relatives).
  • Open either a current or a PLS Savings account.
  • Acquire monthly PLS (Profit and loss sharing) profit (as per projected rate sheet).
  • No withholding tax deductions on profits or withdrawals.
  • No minimum balance requirement therefore, no service charges.
  • Open an account starting from just USD $1 or equivalent in respective country’s currency as an initial deposit.

Please Note: Some rules and restrictions apply

  • Funds remitted into these accounts are non-repatriable.
  • Local credit not​ permissible in these accounts.
  • Zakat, wherever applicable, will be deducted as per rules.

Application Criteria

  • Visit any HBL branch in the UAE.
  • Show valid CNIC or National Identity Card for Overseas Pakistanis (NICOP).
  • Provide your Passport, as well as a valid Work Visa or Aqama.
  • Provide proof of employment if applicable such as an employee card.
HBL HumWatan Overseas (Key Fact Sheet) - Jul - Dec 2020.pdf  
Size: 400 KB
Key Fact Sheet (HBL HumWatan - Overseas) - July 2019.pdf  
Size: 46 KB
KFS - HBL HumWatan.pdf  
Size: 20 KB
HumWatan set of AOF for web.pdf  
Size: 6102 KB