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HBL HumWatan – Local customers

HBL HumWatan local variant allows the Pakistani workforce traveling abroad or local remittance beneficiaries to open an account from any HBL branch in Pakistan to receive Inward Foreign Remittances. Customers can now receive remittances in an easy & hassle-free manne​r​.


  • No minimum balance requirement, therefore no service charges
  • Single pager simple Account Opening form
  • Accounts funded through foreign remittance only. No local credits allowed in these accounts
  • Current Account for Single Individuals only. Joint account services/operations not available
  • Free starter cheque book of 10 leaves.​
  • No withholding tax deducted on cash withdrawal of any value
  • Facility of HBL DebitCard, Internet Banking, SMS Alerts available​
  • Avail attractive discounts on the Debit Card at multiple outlets across Pakistan.

Please Note: Some rules and restrictions apply

  • Funds remitted into these accounts are non-repatriable.
  • Local credit not permissible in these accounts.

Application Criteria

  • Only for Pakistani Nationals​.
  • NADRA Issued Identity Document for Pakistani Nationals.
  • Note: Additional Documents may be required based upon bank requirements.

Important Documents

HBL HumWatan Local Account (Key Fact Sheet) - Jul - Dec 2020.pdf  
Size: 391 KB
Key Fact Sheet (HumWatan Overseas)- Jan 2020.pdf  
Size: 384 KB
Key Fact Sheet (HumWatan)- July 2019.pdf  
Size: 43 KB
Key Fact Sheet (HumWatan)- Jan 2019.pdf  
Size: 154 KB
Humwatan Account Opening Form.pdf  
Size: 1810 KB
Humwatan AOF-Terms and Conditions.pdf  
Size: 5828 KB
Key Fact Sheet ( HumWatan)- January 2018.pdf  
Size: 20 KB