HBL review
Updated October 12, 2026 · DebitCue Editorial Team
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Our verdict
HBL is Pakistan's largest branch bank, pairing a wide local network with app based account handling. It suits people who want established reach, round the clock support and overseas account opening rather than a card only provider for everyday banking needs.
Key facts
Credit cards
Pros and cons
Pros
- It maintains more than 1,700 branches and more than 2,000 ATMs.
- It serves 20 million customers across 15 countries.
- Its mobile app supports banking at any time with round the clock support.
- It allows online account opening without visiting a branch.
Cons
- Its core network and focus stay centred on Pakistan.
- Its service mix extends beyond cards into wider bank accounts and financing.
Who it suits
- People in Pakistan wanting broad branch and ATM reach
- Overseas Pakistanis wanting a Roshan Digital Account
- Small scale farmers wanting digital agricultural financing
Who should look elsewhere
- People seeking banking outside its served markets
How HBL compares
Frequently asked questions
What is HBL?+
HBL is a large bank in Pakistan that operates more than 1,700 branches and more than 2,000 ATMs. It serves 20 million customers across 15 countries and covers accounts, cards and financing for personal, agricultural and everyday needs.
Which countries does HBL serve?+
HBL serves customers across 15 countries while its branch and ATM network centres on Pakistan. Overseas Pakistanis can open a Roshan Digital Account from anywhere in the world, which keeps access open beyond local branches.
How does online and app access work at HBL?+
HBL provides a mobile app that supports banking at all times with round the clock support. You can open a bank account online without visiting a branch and generate an IBAN number through digital channels for everyday account handling.
Which products does HBL cover?+
HBL covers everyday accounts, cards, agricultural financing and Islamic personal financing for essential needs. It also supports Raast over the counter service and Roshan Digital Accounts, which give overseas Pakistanis a way to open and use an account.
Which company operates HBL?+
HBL is operated by Habib Bank Limited. (Source, checked September 26, 2026)
Where is HBL based?+
HBL is based in Pakistan. (Source, checked September 26, 2026)
Sources
- hbl.com checked September 26, 2026
Backs: Headquarters
“The Largest Bank in Pakistan”
- hbl.com/personal/cards checked September 26, 2026
Backs: Card kind, Card type, Legal entity
“Cards”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.