HBL Reviews 

Extremely disappointed with HBL’s Bank. My payment of $116 has been on "hold" for over 5 months, and despite repeated follow ups with both their support team and branch staff, there has been no resolution. What’s even more alarming is that the payment was put on hold without my authorization, a serious security and trust concern.

It’s frustrating that their own support representatives don’t even understand what a "hold" payment means. I have all the recording of there support team. That’s unacceptable for a major financial institution.

This experience makes me seriously question the level of protection and service HBL offers its customers. It feels like they are holding people’s money without reason or responsibility. I would strongly advise others to stay away from this bank.

Worst banking service. I will have to switch my account.

One Of The Worst Experiences of Maah Life is with HBL BANKING n ACCOUNT... Itna tou apkei paas houta v ni jitna yeh tax kaat leitei baiiiii

As an overseas Pakistani, I opened a Roshan Digital Account with HBL expecting professionalism and ease of service. Sadly, it has been nothing but disappointment.

The mobile app has not been working since yesterday, and there is no alternative way to access my account or confirm a recent payment. I urgently need to view my balance and transaction details, but there is no response from customer support. Emails go unanswered, phone calls are not picked up, and there is no live chat available.

This is unacceptable for a bank that claims to serve international clients. When we trust HBL with our hard-earned money from abroad, the least we expect is basic functionality and timely assistance.

Roshan Digital Account was advertised as a convenient solution for overseas Pakistanis. In reality, it feels like we are completely on our own once the account is opened.

Extremely dissatisfied. HBL needs to fix this broken system before they lose the trust of even more overseas clients.

Worst experience with HBL their services are getting worst day by day charging money for everything plus they have pathetic service and online banking my 100000 rupees have been debited without reaching to the recipient and its been more than a week they are unable to solve problem

Hi 09 of March 2025 My account Was block by Fraud department i submitted All stance in near branch but 2 month Waste no response from HBL And no one response any complain in my life wrost ever bank lien amount block and avail balance Also Block Shit Bank ever.

Beyond frustrating. A bank claiming to be the "country's best" and they can’t even send a basic 3-month account statement in a week? That’s just poor service. And the "wait 2 more days" script every time you call? Classic stall tactic.

I opened my RDA account and have it since 4-5 years. I realized, they have been taking about 2500 changes (Telex) per transaction.

When ever there is some kind of movement in my acount, i get an SMS /email, but when they steal money out of your account in the name of Texlex carges, it is done very sliently.

After havening a chat with when:- "Sir we can refund it, but you have to show us Transcations from senders bank". Does this mean, that i have to show you trnsaction everytime when i recive some money in my RDA account? // Sorry I am out of this game!

I will recommend to stay away from HBL, Simply after this experiance, they lost their trust - I see them as silent Thiefs. Those whom are customers, I am sorry for you guys might be suffering siliently / even you are not aware of some charges which you are paying.

STAY AWAY from HBL!

HBL is one of the top banks in Pakistan, boasting a large customer base. However, its branch and ATM network appears limited when compared to its customer numbers.
In Islamabad's Phase 5, numerous residential societies experience a shortage of bank branches. For instance, only PWD housing society have a branch, while neighbouring societies like Soan Garden, Jinnah Garden, Naval Anchorage, River Garden, and Pakistan Town lack any banking facilities. This disparity causes significant inconvenience for residents
To solve this problem, at least two more bank branches should be opened in these areas, and each branch should have an ATM
It is recommended that at least one ATM to be installed within each residential society for the convenience of customers

Very bad experience recently. When I was in Pakistan for holiday they blocked my active account for no reason. I was using HBL mobile app for years which also stopped working. It took whole day for them to check my documents, biometrics and still mobile app is not working. I am abroad now and no reply via email etc. such a shame. I will soon close my account with them when go back. Such unprofessional and irresponsible behavious

Beware Alert HBL RDA!
Extremely poor service. Relationship managers and Mr.Fayyaz Gohar damn care about clients. One need to send mulitple emails for small tasks but no response. I think this type behaviour can be tolerable to local Pakistanis but not to overseas who are well aware how banking/customer care works abroad. All their products especially Naya Pakistan Certificates and remittances in USD are handled very inefficiently.

HBL customer care people are sitting to be free, I am not sure why their company top level management don't ask them to handle customer queries, They just give you a tracking ID and they are investigating the matter and will revert back but they never revert back on any time frame. Such a waste experience with customer support.

Worse customer service in the world, don’t open RDA account with them their relationship manager (Iqra tanveer) deletes messages instead of responding. At branch they sit in causal clothes & slippers eating burgers instead of helping customers.

I'm extremely disappointed with the service provided by HBL. I've experienced numerous issues, particularly with interbank transfers. On multiple occasions, I've transferred funds to other banks, but the recipient hasn't received the amount, and it's been deducted from my account.

The lack of reliability and efficiency in HBL's banking services is alarming. As a customer, I expect a certain level of quality, which HBL has failed to deliver.

Rating: 1/5 stars

International standard System

A terrible experience. I opened an account, did everything accordingly. Mobile set up, but after 4 days still can not see my account there. Even my old running account is not shown. The otp if generated, never received either in message or in email. A worst banking experience.

I'm HBL RDA account holder I found HBL is Worst bank customer service extremely bad app online login usage horrible please avoid at any cost

Worst bank
Unprofessional people
In last 5 years many times visited branch for biometric but still cannot do any transactions because again asking to complete biometric. I tried on app but that stupid app is not working seems like an unprofessional person developed it.
In this digital era you need to visit branch to get a statement older than 2 months.
Many many stupid things still exist in this bank.
I would suggest any other bank apart from HBL.

Worst banking ever and customer service. I requested them an explanation for the amount they charged me around 20k Pkr on the transaction I initiated from overseas and they didn’t replied me with explanation and said that we have this rule and etc. In the world no bank charge their customers for incoming payments and they do so

One of the worst banks i have ever dealt with!!!