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HBL HumWatan

HBL offers overseas Pakistanis residing in foreign countries 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 which will enable your beneficiary to access funds across Pakistan. (In case of a PLS savings account, the profit accrual and payment convention of PLS (Profit and loss sharing) will be followed).

  • 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 account starting from just AED 50 or equivalent as initial deposit
  • Activate account in 27 clearing centre branches across Pakistan

Please Note: Some rules and restrictions apply

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

Application Criteria

  • Visit any HBL branch in the UAE or any other HBL branch which approves tie-ups.
  • Show valid CNIC or National Identity Card for Overseas Pakistanis (NICOP).
  • Bring Passport, as well as valid work visa or Aqama.
  • Provide proof of employment if applicable such as an employee card.
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