HBL Reviews 139

Very bad and completely unprofessional service. Yesterday, the HBL Ghalla Mandi Chishtian Branch called and invited me to visit the branch for the issuance of a credit card. I traveled all the way there, but when I arrived, they told me they could not proceed because my application had already been declined.

And today, I received another call from the same branch, same number, and the same officer asking me why I didn’t visit the branch. This is ridiculous and shows zero internal communication and no respect for a customer’s time.

For reference, the same branch number that keeps calling me is 063-2508815. This kind of service is completely unacceptable.

very bad experience,i m leaving abroad i changed my mobile phone, i face biometric verification issue,since 10 days i m trying to contact to customer care by call and email but they didn't solve my problem i m a loyal customer for the past ten years but they not give priority to solve my issue,i m very disappointed from this Bank and when i will go back to Pakistan i will change my bank account to other bank, worst bank

Hbl service is always worst. They send credit card and after 2 weeks they send another credit card. Don't know what they want to do. They just care about their charges and no value provided to their users.

Very bad. services hbl sent new atm card without my request i have already valid till to 2028. Blocked my online transection, every year i am facing issue. very bad response on call.

Hbl bank sab sa gandi service ha ma aj 3 bank ma gya sab ma counter pr aik banda ha or rush itna ha lakin in ko time ki qadar nhi ha meray hisab sa yeh bank pehla theak tha lakin ab bohat kharab hogya ha baray meharbani is bank ma apna account mat open krwao zaleel hojao ga

After enduring 8 years of frustration, delays, and pure unprofessionalism, I finally decided to close my HBL credit card today and planning to do the same for my account and debit card as well. Every simple request, even something as basic as card replacement, turns into weeks of gaslighting and waiting. Enough is enough.

I deeply regret opening an account with HBL. Their website and mobile app are outdated, slow, and often nonfunctional. Customer service is practically nonexistent — long wait times, no helpful responses, and no accountability.

For a major bank, the overall experience feels completely unprofessional. It’s frustrating to deal with such poor technology and support in this day and age. I would strongly advise others to consider better, more reliable banks instead.

⚠️ Public Awareness for HBL Customers ⚠️
I want to share my recent experience with HBL Ready Cash, so others can stay alert.
Rs. 6325/- & Rs 5800/- twice in a year, were deducted from my account as Ready Cash annual charges without any intimation, consent, or service expiry.
When I contacted HBL helpline, their representative gave contradictory and unprofessional responses, showing no clarity about their own policies.
This shows serious transparency and communication issues within the bank. I have already lodged a complaint (No. C2509250040 dated 25 Sep 2025) and also escalated it to the Banking Mohtasib Pakistan.
💡 Public Advice:
Always check your statements carefully.
Don’t allow automatic deductions without confirmation.
Demand transparency and accountability from your bank.
#HBLIssues #CustomerRights #BankingTransparency #HBLReadyCash #PakistanConsumers #HBLCustomerExperience

Pathetic customer service. I don't understand how these people are running such a Bank .. Really pathetic app and their customer service. I will be switching probably this time

I had some money transfered to my HBL account 3 days ago and I still haven't received it. I called the helpline to inquire about it, first of all the customer service agent wasn't have enough etiquettes to speak with a customer, then she didn't know what is the issue, why my hard earned money is still haven't been transferred to my account after a couple of days. It was not a deposit check or something which could take time, it was a simple transfer from another account via mobile app. When you need money urgently and you can't get it for days due to the issues on Bank's end it's pathetic service. What if you had to pay your hospital bill with that money?

Pathetic Administration, I am living abroad and I was trying to open RDA account but they not facilitating me they didn't even gave me response

They lack professionalism so much!!
First they will keep on misguiding you and when the time is finished they will say sorry it's not possible now. I applied for the car loan thru people's colony branch grw and they wasted my 20 days still no approval even after everything has been verified and I lost the offer of discount from Suzuki. The main culprit is the guy named "ALI" who deals with car loans. He misguides the customer so much!
Worst bank I ever dealt with!!!

The worst ever bank in Pakistan, personally experiences a lot of issues in remittances and now they closed my account without intimation. Avoid it and stay away from HBL. The customer care units need training, and they are using unprofessional staff without any knowledge in banking sectors.

Being a oversea Pakistani i would never advice you to use HBL investment facility or account. first their profit rates are very low. Second services are very poor. I personally had a very bad experience i invested about 15 millions in (Halal Amdni Fund)for 9 month and after 9 month they gave me total profit less then three hundred thousand which is less then three %. And my financial adviser from HBL Mr Naveed Tahir very nice man he always gave me false hope. They deduct more then three hundred thousand from my account in one day and that was not (CGT) after couple of dozens of calls and mail i gave up and withdraw my money. Because no body gave me any satisfied answer. where that money gone.

The experience is worst, the reason is HBL Doaba Hangu brach wants the account holder close their freedom account. I don't know why ????
The higher authority should take actions before your lose market shares !!!!!

My experience at HBL Nowshera Cantt Branch 0222 has been extremely disappointing. The staff’s behavior was unprofessional and unacceptable, resembling more that of security bouncers than trained banking professionals.

An an entrepreneur i choose their so called HBL Prestige branch main boulevard Gulburg branch for the Trade transaction. Non Professional old school staff with zero customer care.

they have suspended my bank account for so called dispute transaction. i have provided every single proof which indicates the funds were legal. but they suspended my account. after lots of emails and physically visiting branch several times they are unable to resolve issue. everytime they give me new complaint number. its been 8 months now and still they are only doing is giving me new complaint numbers

I want to give them 0 but i could not i got badest experience from them fraud company they give us nothing on beema insurance policy not listening costumer just make a plan to late returning of money and making excuses for not returning on time i submit 8 lakh but in return they want to give me 5 lakhs and also they dnt give me on time just late and make excuses im just tired of them

I am an overseas Pakistani currently living in the UAE. I had an account with Habib Bank Limited (HBL) which I maintained responsibly. I completed all biometric verifications from abroad, submitted the required documents via email, and followed all procedures as per HBL’s own guidelines.

Without any prior warning — no SMS, no email, no call — HBL closed my account.

I have sent multiple emails to their customer service, branch staff, and even gave them a 3-day legal notice to respond. To this day, there has been no reply. Not even an acknowledgment. This is shocking negligence and disrespect toward customers, especially those living abroad who rely on digital communication.

When I contacted my home branch, they casually said the account was closed due to “low balance.” If that is true — why wasn’t I informed? What kind of bank closes accounts without notifying the account holder?

I have now filed formal complaints with the Banking Mohtasib of Pakistan, the State Bank of Pakistan, and other regulatory authorities. If this is not resolved, I will raise this issue on international forums and media platforms.

If you are an overseas Pakistani or value transparency and respect — be very cautious with HBL.

I never expected such unprofessionalism from Pakistan’s so-called leading bank.