
You can access Hbl Internet Banking from anywhere, at any time, as long as you have a stable internet connection.
To get started, you'll need to register for an account on the Hbl website or mobile app.
The registration process is straightforward and takes only a few minutes to complete.
Once you've registered, you can log in to your account using your username and password.
With Hbl Internet Banking, you can manage your accounts, pay bills, and transfer funds securely online.
Understanding Internet Banking
Internet banking offers complete convenience to its users for 24 hours, allowing you to manage your account from the comfort of your own home.
With HBL internet banking, you can check your account balance and clear transaction history at any time, giving you a clear picture of your finances.
HBL employs strong security measures to protect your online transactions, providing a secure and trustworthy experience.
You can perform quick transactions without visiting a branch, saving you time and effort.
Here are some key features available at your fingertips:
- Convenience: it provides complete convenience to its users for 24 hours.
- Security: HBL employs strong security measures.
- Efficiency: Quick transactions without visiting a branch.
- Features: Multiple services available at your fingertips.
Importance of Internet Banking
Internet banking offers a lot of benefits, but the most important one is convenience. It allows you to handle your account from the comfort of your own home, 24 hours a day, 7 days a week.
With HBL InternetBanking, you can access a wide range of services, including account statement, transaction details, and statement download facility, all with a single login ID and password.
You can transfer funds to your own account, any HBL account, or even another bank's account, making it a convenient way to manage your finances. Online shopping and investment in HBL mutual funds and term deposit are also available.
One of the key benefits of internet banking is security. HBL employs strong security measures to ensure that your transactions are safe and secure.
Quick transactions are another advantage of internet banking. With HBL InternetBanking, you can perform various financial and non-financial transactions conveniently without visiting a branch.
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Here are some of the key features of HBL InternetBanking:
- Access to account statement, transaction details, and statement download facility
- Transfer funds to own account, any HBL account, any RAAST Alias, and any other bank’s account
- Payment of credit card bills, utility bills, mobile top-up, post-paid bills, pre-paid telco cards, e-Vouchers, excise/taxation, e-IPO, zakat/donations, education fee, movie/bus/event tickets
- Online shopping
- Investment in HBL mutual funds and term deposit
- SMS alerts for log-in and financial transactions
- View HBL Card deals and discounts
- HBL Cards management
- Apply for travel and accidental insurance
- Request for cheque book & banker’s cheque
- Update CNIC expiry
- Update contact details
- Schedule recurring bill payments and fund transfers
- Multiple bill payments in a single transaction
- Generate withholding tax certificate
- Loan management
- Apply NOC for HBL PersonalLoan
- Link and de-link your accounts
- Generate advance Tax Certificate
- SMS alerts and e-Statement activation
- Beneficiary management
- Manage your transaction limits
- Pakistan stock market updates
- Complaint lodgment
- Reward Points & installment payment
- Access ATM and Branch Locator
- RAAST ID Management for RAAST registration
Navigating Internet Banking Dashboard
Navigating the Internet Banking Dashboard is a breeze, thanks to HBL's user-friendly interface. You can access your account summary, which shows your balance and clear transaction history, at a glance.
To navigate the dashboard, you can click on the "Account Summary" tab, which is one of the main sections. This will give you a quick overview of your account activity.
Funds transfer is another essential feature of HBL Internet Banking. You can send money to other accounts using this service, which is available 24/7.
To make a funds transfer, simply click on the "Funds Transfer" tab and follow the prompts. You can transfer funds to any HBL account, RAAST Alias, or any other bank's account.
Bill payment is also a convenient feature of HBL Internet Banking. You can pay utility bills directly through the dashboard, saving you time and effort.
To make a bill payment, click on the "Bill Payment" tab and select the bill you want to pay. You can pay multiple bills in a single transaction, making it even more convenient.
The dashboard also allows you to manage your account settings and preferences. You can update your contact details, schedule recurring bill payments, and even generate withholding tax certificates.
Here's a quick rundown of the main sections on the HBL Internet Banking dashboard:
Foreign Currency Deposit
You can convert and save up to 12 foreign currencies within one account, making it convenient for overseas online or debit card payments.
To add a foreign currency, tap on the flags icon and then tap on the "+" Foreign Currency button to convert a new currency. Alternatively, you can also tap on the country flag to add more funds to an existing foreign currency.
To initiate a foreign currency deposit, tap on the "Menu" button and select "Foreign Currency Deposit". You'll then need to enter all necessary details to complete the process.
Once you've entered all the required details, click "Apply" to proceed with the foreign currency deposit.
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Making Transactions
Making transactions on HBL Internet Banking is a straightforward process. You can select "Funds Transfer" from the menu to initiate a transaction.
To transfer funds, you'll need to choose the type of transfer: Local or international. You'll also need to enter the recipient's details, including their account number and name. The amount you wish to send will also need to be specified.
Here's a step-by-step guide to making transactions on HBL Internet Banking:
- Select "Funds Transfer" from the menu
- Choose the type of transfer (Local or international)
- Enter recipient details (account number and name)
- Input the amount
- Confirm the transaction
Note: For international transfers, you may be required to enter additional details such as the recipient's address and other information.
Making Transactions
Making transactions on HBL Internet Banking is straightforward. You can perform transactions by selecting "Funds Transfer" from the menu.
To make a transaction, you'll need to choose the type of transfer: local or international. You'll then enter the recipient's details, including their account number and name.
Next, you'll input the amount you wish to send. It's a good idea to review the transaction details carefully before confirming.
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To confirm the transaction, you'll review the details and then click "done" to make the transaction successful. This is the final step to complete the transaction.
Here's a quick summary of the steps:
- Select "Funds Transfer" from the menu
- Choose the type of transfer: local or international
- Enter recipient details: account number and name
- Input the amount: specify how much you wish to send
- Confirm the transaction: review details and then click "done" to make the transaction successful
Connect ATM Withdrawal
Making transactions with HLB's Connect App is a breeze, and one of the convenient features is the ability to withdraw cash from any HLB ATM without a Debit Card.
To start, tap 'Menu' > 'Connect ATM Withdrawal' to initiate the process. You can then select an account to withdraw from, and choose the amount you'd like to withdraw. Next, confirm the details and tap 'Withdraw Now'.
Once you've done that, head to an HLB ATM and select 'Connect ATM Withdrawal'. You'll need to enter the 6-digit 'ATM Withdrawal code' to complete the transaction.
Refund of Overpayment
You can easily get a refund if you've paid too much, and it's a straightforward process. To start, go to the 'Other Services' section and select 'Overpayment Refund'.
You'll then need to choose how you want to receive your refund, which can be either to your HLB Current/Savings account or your HLB Credit Card account.
Select the account you'd like the refund to be deposited into, and the rest will be taken care of.
Flexi Payment Plan
You can easily convert big purchases into smaller monthly instalment plans on your HLB Credit Card.
To do this, go to the 'Credit Card Services' section and select 'Flexi Payment Plan'. This will allow you to choose your preferred card and conversion plan.
Select the amount you want to convert and choose your monthly instalment amount. You can then tap 'Apply Now' under Flexi Payment Plan to proceed.
Once you've applied, make sure to check the details of your plan. If everything looks good, tap 'Activate Now' to make it official.
If you don't have access to your device, you can call the HLB Contact Centre to remove the device from your HLB Connect App.
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Security and Support
HBL takes security seriously, with two-factor authentication (2FA) acting as an extra safety step. This adds an extra layer of protection to your online transactions.
Two-factor verification helps protect your data while making different transactions. You'll also get regular alerts for account activities.
To further secure your account, you'll be required to set up a security question upon first-time login. This will be used to verify your identity in case of irregular account behavior.
Here are some steps to report a lost or stolen Debit/Credit Card:
- Swipe to your Current/Savings Account page and tap on your account.
- In the ‘Services’ tab, select ‘Report Lost/Stolen Card & Fraud’.
- Select Debit/Credit Card to block.
Password Reset
Password reset issues can be frustrating, especially when you're trying to access your account on a new device. This can happen when your device is stolen, as seen in an example where a user's ID was locked after trying to reset their password multiple times.
Two hours is the waiting period after clicking "forget password" before attempting to log in again. However, this time limit is not clearly communicated to users, leading to confusion and frustration.
Customer representatives may not always have a solution for password reset issues, as seen in an example where they asked a user to repeat the same steps multiple times without resolving the issue. This can be disappointing and demotivating for users.
Emailing customer care may not guarantee a response, as seen in an example where a user's email was ignored despite their repeated attempts to contact the company. This can lead to feelings of helplessness and isolation.
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Security Features
HBL takes security seriously, and it shows. Two-Factor Authentication (2FA) is included, acting as an extra safety step.
This means you'll have an extra layer of protection when accessing your account online. You'll need to verify your identity using two different methods, such as a password and a code sent to your phone.
Here are some of the security features HBL offers:
- Two-Factor Authentication (2FA)
- Encrypted Transactions
- Regular Alerts
Encrypted Transactions help protect your data while making different transactions. This ensures that your sensitive information remains safe and secure.
Regular Alerts keep you informed about account activities, so you can stay on top of your finances.
Report Lost/Stolen
In case of emergency, you can report and block your lost or stolen Debit/Credit Card immediately to protect your account.
To report a lost or stolen card, start by swiping to your Current/Savings Account or Credit Card page and tap on your account.
You can then select 'Report Lost/Stolen Card & Fraud' from the 'Services' tab, or under 'Debit/ATM Card' or ‘Credit Card’ select 'Report Lost/Stolen Card & Fraud'.
Choose the type of card to block, whether it's a Debit or Credit Card, to prevent any further unauthorized transactions.
By following these simple steps, you can quickly and easily report a lost or stolen card and protect your account from potential fraud.
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Debit Renewal

Renewing your debit card is a straightforward process. You can request to renew your expiring debit card 3 months ahead of the actual expiry date via HLB Connect.
Having a reliable system in place is crucial for convenience. HLB Connect allows you to renew your debit card easily online.
If you renew your debit card 3 months ahead of time, it will be delivered to your address. This way, you can plan ahead and avoid any last-minute hassle.
Renewing your debit card is a great opportunity to ensure your financial security. By doing so, you can prevent any potential issues that may arise from an expired card.
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Fee Waiver
To take advantage of the fee waiver program, you'll need to log in to HLB Connect Online.
Customers with eligible credit cards can see the 'Apply For Waiver' button after meeting the set requirement.
To start the waiver process, click on the 'Apply For Waiver' button once you're logged in to HLB Connect Online.
The waiver process is straightforward, with just two steps: logging in to HLB Connect Online and clicking on the 'Apply For Waiver' button.
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Security Question
You'll need to set up a security question upon first-time login, which will be used to verify your identity if any irregular account behavior is detected.
Your security question and answer should not be revealed to anyone, so make sure to keep it private.
To update your security question, click on 'Settings' and then under 'Security', click on 'Change Security Question'.
Request Security Documents
Requesting security documents is a straightforward process that can be completed online. You can access HLB Connect Online to request a copy of your Mortgage/Property Financing-i security documents.
To get started, log in to HLB Connect Online and navigate to the account link. From there, click on the 'Services' tab to access a range of options. Click on 'Request' under the 'Loan/Financing Documents' section to initiate the process.
E-Statements
You can view and download up to 2 years of your current and past e-Statements.
To access your e-Statements, click on the 'Statement/Invoice' option, and then select 'Online Statement'. From there, you can click 'Download Statement' to download the latest e-Statement, or use the 'View History' option to access older statements.
You can also access your e-Statements by clicking on the 'Transactions' tab and selecting 'Statement'. Then, click on 'Select Statement Date' to choose the specific statement you want to download.
Please note that you'll need a PDF reader on your mobile device to view the e-Statement.
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All-New HLB Connect App
The all-new HLB Connect App is a game-changer for banking on the go. It allows you to register for HLB Connect or open an HLB account from your fingertips.
One of the standout features of the app is its effortless login process. If you have set up the app and enabled biometric settings on your device, the app will auto-detect your biometric or face ID for your next login, eliminating the need to tap on any login icon.
The app's enhanced look and feel, along with its navigation, puts you in control anytime, anywhere. You can access various features, including account opening, day-to-day transfers/payments, and monitoring your unit trust account.
To ensure a seamless experience, the app requires a minimum system and browser configuration, including a quad-core 2 Ghz processor or better, Windows 10 or better, and the latest version of internet browser on native mobile phone and tablet.
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Troubleshooting Login Issues
If you're having trouble logging into your HBL Netbanking account, don't worry, it's easier to fix than you think.
First, double-check your username - make sure you're entering it as your CNIC name.
If you've forgotten your password, click on the "forget password" link to recover it.
Browser issues can also cause login problems, so try switching to a different browser to see if that resolves the issue.
Here are some specific tips to help you troubleshoot login issues:
- Check your username: Enter your username as you CNIC name.
- Reset your password: if you’ve forgot your password then you must recover it clicking on forget password.
- Browser issues: must try to use some different type of browsers.
Features and Services
With HBL Netbanking, you can easily manage your finances online. You can quickly check your account balance with the Account Summary feature.
To make payments, you can use the Bill Payment feature, which allows you to select your utility provider and make payments easily.
You can also transfer funds locally or internationally using the Funds Transfer feature.
Here are some key features of HBL Netbanking:
- Account Summary: Quickly check your balance.
- Funds Transfer: Choose between local or international transfers.
- Bill Payment: Select your utility provider and make payments easily.
Using Key Features
You can quickly check your account balance using the Account Summary feature. It's a great way to stay on top of your finances.
The Account Summary feature is a quick and easy way to see your current balance. This can be especially helpful when you're trying to keep track of your spending.

To make payments, you can use the Bill Payment feature. This allows you to select your utility provider and make payments easily.
The Bill Payment feature is a convenient way to pay your bills on time. No more worrying about late fees or missed payments.
Here are some of the key features you can use:
- Account Summary: Quickly check your balance.
- Funds Transfer: Choose between local or international transfers.
- Bill Payment: Select your utility provider and make payments easily.
Junior Debit Reload
With our Junior Debit Card Reload feature, you can easily transfer funds from your account to your child's Junior Debit Card.
You can do this for free, thanks to our Auto Reload feature, which is available through HLB Connect Online.
This makes managing your child's finances a breeze, and ensures they always have the funds they need.
Credit Shield Premier
Credit Shield Premier is a valuable feature that can save you money on credit card fees.
To access this feature, you'll need to log in to HLB Connect and navigate to the 'Credit Card Services' section.
From there, simply select 'Credit Shield Premier' to enjoy the benefits.
By applying for Credit Shield Premier, you can have your credit card fees waived, giving you more money to save or spend elsewhere.
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Settings and Management
You can easily manage your debit card transactions through HLB Connect. You can set a daily limit for online purchases, local and overseas retail purchases, ATM withdrawals, and ATM transfers.
To update your contact information, simply click on 'Settings' and then select 'Update Contact Info' from the 'Personal' section. This will allow you to enter your new details, including your email address.
Update Contact Info
To update your contact info, click on 'Settings'. Under 'Personal', select 'Update Contact Info'. Enter your email address and confirm it by clicking Next.
You'll then see a dropdown menu where you can select the 'Notification Email Address'. This is where you can choose which email address you want to receive notifications from.
QR Pay Settings
You can easily set the preferred account to make and receive QR payments by swiping to your Current or Savings Account page and tapping on your account.
To access your QR Pay Setting, head to the 'Services' tab and select 'Manage QR Pay Setting' from there.

If you have multiple Current or Savings Accounts, you can set a preferred account for QR payments.
You can make a payment by scanning a QR code through your HLB Connect App, or generate your QR code to receive payment.
To make a payment, simply scan a QR code using your HLB Connect App.
Receiving payment is as easy as generating your own QR code.
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Increase Instalment Amount
Increasing your instalment amount can be a great way to pay off your mortgage or property financing-i faster and reduce your interest/profit payment. This can be done through the HLB Connect Online platform.
To increase your instalment amount, you'll need to log in to your HLB Connect Online account and click on the account link. From there, you can click on the 'Services' tab and select 'Request' under 'Increase Instalment Amount'.
You can increase your instalment amount to reduce your interest/profit payment and tenure. This can be a great way to pay off your mortgage or property financing-i faster.
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The maximum combined daily limit for transactions, including increasing instalment amount, is RM50,000 for individuals 18 years old and above. For those below 18, the maximum daily limit is RM200.
Here are the daily limits for different transaction types:
Set Transaction Limit
To set a transaction limit, you can use HLB Connect to control your debit card's spending. Click on 'Pocket Connect' on the right side of the top navigation menu.
You can set a daily limit for online purchases, local and overseas retail purchases, ATM withdrawals, and ATM transfers. This helps prevent overspending and keeps your account secure.
The recipient's name, address, and other details are required to set up a transaction limit. You'll need to have this information handy before proceeding.
By setting a transaction limit, you can enjoy peace of mind knowing your spending is under control.
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