HBL Reviews 

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.

HBL’s RDA customer service is absolutely pathetic. Long wait times, clueless staff, and zero accountability. Whether you call, email, or visit a branch — expect delays, frustration, and no resolution. They treat customers like an inconvenience. Stay far away from this bank. Total disaster.

Worst bank ever, if I could rate 0 stars then that's what they deserve. Appalling, pathetic and a complete disgrace. DO NOT bank with HBL under any circumstances. Absolute rubbish customer service; rude, lazy, uncooperative bank managers with no interest to assist their customers.

Habib Bank Limited is a complete disgrace, putting on a shameless daily circus under the excuse of maintenance. The staff are utterly useless, rude, and brainless, repeating the same scripted garbage like robots. I can’t imagine what kind of clueless idiots are running this pathetic excuse of a bank.

I am writing to express my concern regarding the ATM facility at the HBL MAIN branch in Rawalakot City AZAD KASHMIR.ATM at this location frequently malfunctions almost every third day it is either out of service or facing technical issues. This recurring problem causes great inconvenience to customers who rely on this service for their daily banking needs.
It is disappointing to see that despite repeated issues, there seems to be no permanent solution implemented. I respectfully request the bank management to look into this matter seriously and ensure that the ATM is regularly maintained and kept in working condition.
A reliable ATM service is essential for building customer trust and satisfaction. I hope HBL takes immediate action to resolve this ongoing issue.

Worst ever service without any notification or email they put my account on inactive and inspite of sending lot emails they said your CNIC is expired atleast you shoild inform me via app or email so that i can withdraw my amount 400e is stuck now relationship manager is not responding suppose he should facilitate the overseas but disgusting service they demanded my CNIC which at the moment i cannot provide i sent them the tracking ID of CNIC which i applied online and they promised me to reactivate my account temporarily so i can transfer my amount but after that no response. If it’s in my hand i will give them -100 review. Atleast if you commit something then fulfill it rather then making fake promises.

I was the victim of a confirmed scam, and the money was sent to an account held at HBL. Despite multiple emails and my bank (Revolut) officially reaching out to them to recover the funds, HBL refuses to cooperate.

The scammer is still active and continues to defraud others, and HBL is doing absolutely nothing to stop it or freeze the account. This kind of inaction makes them complicit in the fraud.

This behavior is unacceptable from any financial institution. No responsibility, no support, no ethics.
HBL does not protect victims — they protect scammers.

Avoid this bank at all costs if you expect even basic integrity or professionalism.

Extremely disappointed with HBL’s banking service.
Cheap banking system, managed by an equally cheap and unprofessional team. I’ve been suffering for over 15 days due to a delayed remittance. Despite sending multiple emails and making repeated calls to the helpline, there has been no resolution, no valid reason, and worst of all — no proper response.

HBL is unjustifiably holding my funds, simply to reflect it in their internal closing figures. As per their own email to my commercial bank dated 29-06-2025, they were supposed to release the remittance by 30 June 2025, but till now — no update, no fund release, no explanation.

This kind of behavior is unacceptable, especially from a major financial institution. It’s not just poor service — it’s a complete lack of responsibility and transparency. Customers deserve better. If HBL cannot handle remittances properly, it shouldn’t offer such services at all.

Very slow reception of HBL .
No response about complaint.
Very bad and untrusted experience.
no automatic update filer active status in accounts.
Don't use HBL serviceses.

After greetings, I would like to advise all my acquaintances and friends to stop using Roshan Digital accounts because now when you send money from abroad, these people do detection, which they are detecting in the name of service charges. Absolutely do not put money in Roshan Digital and close the Roshan Digital account as soon as possible. This is better for all of us.

Ripping you off, a small remittance to PK you will be charged eqvillant of 30 Riyal. What the hell going on in pk banking system? Also monthly extra charges/deduction if you have online subscription. Was told all these directions comes from state bank. God bless PK. I wouldn't suggest making roshan digital account, appears to snatch money in formal way.

This is an extremely sluggish bank, especially when it comes to Roshan Digital accounts. It’s probably the only bank that sends the OTP code via email after fifteen minutes.