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HBL ValueAccount

The ideal savings account for small business owners and housewives seeking great value. HBLValue account allows you to manage your expenses while enabling you to multiply your savings. It is an account that is easy to open and even easier to manage.


  • Open your account with just PKR 10,000/-
  • Two free over-the-counter withdrawals every month**
  • Profit calculated on average monthly balance
  • Profit payout on quarterly basis
  • Earn bonus rate on maintaining monthly average balance between PKR 10,000/- to PKR 1,000,000/-

Pay no service charges on maintenance of monthly average balance of Rs. 10,000*

How to Apply

Applicant to provide:

  • Original CNIC along with verified copy
  • Proof of income
  • Copy of recent utility bills

Terms and conditions apply. These are expected rates and can change. All profits payable are subject to Zakat and Government Levies
*Service charges apply if minimum balance falls below Rs. 10,000
**For more withdrawals, charges shall apply as per prevalent SOBC

Important Documents

Indicative and Annualised Rates on Deposits W.E.F. 01.11.2019 TO 31.12.2019.pdf  
Size: 406 KB
Key Fact Sheet (HBL ValueAccount) - July 2019.pdf  
Size: 34 KB
Indicative and Annualised Rates on Deposits - 1st June 2019 to 30th June 2019.pdf  
Size: 251 KB
Key Fact Sheet (HBL ValueAccount) - Jan 2019.PDF  
Size: 73 KB