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HBL HumWatan – Local customers

HBL HumWatan local variant will allow Pakistani work force traveling abroad or local remittance beneficiaries to open account from any HBL branch in Pakistan to receive the Inward Foreign Remittances. Your valuable remittance is safe with us and you can withdraw amount of any value free of cost from any HBL Branch later on with no worries of withholding tax (WHT) deduction.


  • No minimum balance requirement, therefore no service charges
  • Single pager simple Account Opening form
  • Accounts will be funded through foreign remittance only. No local credits will be allowed in these accounts
  • Current Account for Single Individuals only. Joint account services/operations will not be available
  • Free starter cheque book of 10 leaves however, subsequent cheque book(s) will be chargeable as per prevailing SOBC
  • No withholding tax will be deducted on cash withdrawal of any value
  • Funds remitted into these accounts are non-repatriable
  • Facility of HBL DebitCard, Internet Banking, SMS Alerts and Mobile Banking will be available
  • Attain up to 20 % dining discount by using a HBL Debit Card at selected restaurants

Application Criteria

One pager Account Opening Form of HBL HumWatan Account. Only for Pakistani Nationals (dual national can apply*)
For Individual:
NADRA Issued Identity Document for Pakistani Nationals.

*Terms & Conditions Apply
Note: Additional Documents may be required based upon customer’s profession

Important Documents

Key Fact Sheet (HumWatan Local customers)- Jan 2020.pdf  
Size: 381 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