Current Accounts

Key Fact Statement

for Deposit Products

Habib Bank Limited, Date D D M M Y Y Y Y

_____________________Branch.
IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also
use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for
comparison.
Account Types & Salient Features
Current Accounts for different customer segments. This information is as per the prevailing Schedule of Bank Charges (SoBC) as of
01 July, 2022. Services, fees and mark-up rates may change on a half-yearly basis. For updated fees/charges, you may visit our website
www.hbl.com or visit our branches.
Conventional - Current Accounts
HBL HBL HBL HBL Nisa HBL HBL HBL Asaan HBL
Particular Freedom Haryali Conventional Plus iD Basic and Nisa Foreign
Account Account Current Current Banking Asaan Currency
Account Account Account Account Current
Account

Currency
PKR USD, GBP, EUR, CNY
(PKR, USD, EUR, etc.)

To open 0
Minimum Balance
for Account (If any,
To keep USD 1,000
provide the amount) PKR PKR EUR 800
25,000 0 5,000 0
GBP 700
CNY 5,000
Account Maintenance Fee
(If any, provide the amount) 0 0 PKR 43 0 PKR 43
Is profit paid on account (Yes/No)
No
(Subject to the applicable tax rate)
Indicative Profit Rate (%) Not Applicable
Profit Payment Frequency
(Daily, Monthly, Quarterly, Half-yearly Not Applicable
and Yearly)
Provide example (On each PKR 1000, you
can earn PKR ------ on given periodicity) Not Applicable
Premature/Early Encashment/Withdrawal
Fee (If any, provide amount/rate) Not Applicable

Service Charges
IMPORTANT: This is a list of the main service charges for this account. It does not include all charges. You can find a full list of all bank charges
(SOBC) at our branches, visit our website www.hbl.com or call 111-111-425 HBL 24 hours Phone Banking. Please note that all bank charges are
exclusive of applicable taxes.

Conventional - Current Accounts

HBL HBL HBL HBL Nisa HBL HBL HBL Asaan HBL
Freedom Haryali Conventional Plus iD Basic and Nisa Foreign
Services Modes Account Account Current Current Banking Asaan Currency
Account Account Account Account Current
Account

Cash Deposit - PKR 400

Withdrawal up to PKR 500,000 per day -

PKR 370

Cash Transaction Inter-city Free Withdrawal over PKR 500,000 per day - 0.125% of the transaction
amount with minimum
PKR 600
 Conventional - Current Accounts
HBL HBL HBL HBL Nisa HBL HBL HBL Asaan HBL
Services Modes Freedom Haryali Conventional Plus iD Basic and Nisa Foreign
Account Account Current Current Banking Asaan Currency
Account Account Account Account Current
Account

Cash Deposit - Free

Withdrawal up to PKR 500,000 per day - Free

Intra-city Free
Cash Transaction Withdrawal over PKR 500,000 per day -
0.15% of the transaction amount with
minimum PKR 600

Own ATM
0
Withdrawal
Other Bank ATM Free PKR 18.75
(inclusive)
ADC/Digital 0
Clearing 0
SMS Alerts
0 only for
For other Individuals
transactions and Sole OTC Transactions - PKR 85 per month
Proprietor
HBL HBL HBL HBL Nisa HBL HBL HBL Asaan HBL
Freedom Haryali Conventional Plus iD Basic and Nisa Foreign
Account Account Current Current Banking Asaan Currency
Account Account Account Account Current
Account

PayPak Chip PKR 1,200 Not Applicable

Visa Chip PKR 1,900 Not Applicable PKR 1,900 Not Applicable
Mastercard Standard PKR 1,900 Not Applicable
Mastercard Gold PKR 2,700 Not Applicable PKR 2,700 Not Applicable
UnionPay Chip PKR 1,700 Not Applicable
Debit Cards Visa Chip USD Not Applicable USD 12
Mastercard World PKR 12,000 Not Applicable
Issuance 0 PKR 15 per leaf
Cheque Book Stop payment 0 PKR 500 0 PKR 500 USD 12
Loose cheque 0

- Issuance charges of Mastercard Gold for HBL Nisa Plus Current Account is waived in case customer maintains PKR 25,000 & over at the time of account open-
ing. Second year onwards, annual fees shall apply.
- First cheque book of 10 leaves is issued free of cost to HBL Nisa Plus and Nisa Asaan Account holders
- Debit card issued for USD currency accounts only; not for other currencies.
- For HBL Asaan and HBL Nisa Asaan Account free PayPak debit card will be offered at the time of account opening. Annual fee shall be applicable from subse-
quent years as per SoBC.
- Debit cards shall be issued as per the respective product offering.
- Debit card annual fee will not be deducted from customers of HBL FreedomAccount. All variants of debit card except for classic variant will be charged as per
the existing SoBC.
- For HBL Haryali Account, free Paypak Debit Card for first year. Annual charges are applied from subsequent years as per SoBC.
- For HBL iD DebitCard is issued for free. Annual charges are applied from subsequent years as per SoBC.

Conventional - Current Accounts

HBL HBL HBL HBL Nisa HBL HBL HBL Asaan HBL
Freedom Haryali Conventional Plus iD Basic and Nisa Foreign
Services Modes Account Account Current Current Banking Asaan Currency
Account Account Account Account Current
Account

Remittance Banker Cheque/

(Local) 0 PKR 400 0 PKR 400
Pay Order

Foreign Demand 0.25% Minimum PKR 1,000 plus

Draft PKR 500 SWIFT charges
Remittance
Foreign

Wire Transfer 0.25% Minimum PKR 750 plus

PKR 500 SWIFT charges
 Conventional - Current Accounts
HBL HBL HBL HBL Nisa HBL HBL HBL Asaan HBL
Freedom Haryali Conventional Plus iD Basic and Nisa Foreign
Services Modes Account Account Current Current Banking Asaan Currency
Account Account Account Account Current
Account

Annual 0
Statement of Half-yearly 0
Account
Duplicate 0

ADC/Digital
Channels 0
Fund Transfer
Others 0

Internet Banking
subscription
(onetime & 0
annual)
Digital Banking
Mobile Banking
subscription
(onetime & 0
annual)
Normal 0
Clearing Inter-city 0* PKR 400 0* PKR 400

Same Day PKR 500 per collection**

Closure of Account Customer request 0

*0 or no charges when HBL cheque is presented for credit in HBL account. For Non-HBL cheque deposited in local clearing and funds credited
to HBL Inter-city Branch Account, PKR 400 flat plus FED shall apply.
**For urgent collection of local cheques for PKR 500,000 and above.
You Must Know
Requirements to open an account: To open the account you will need to satisfy Unclaimed Deposits: In terms of Section 31 of Banking Companies Ordinance, 1962
some identification requirements as per regulatory instructions and banks' internal all deposits which have not been operated during the period of last ten years, except
policies. These may include providing documents and information to verify your deposits in the name of a minor or a Government or a court of law, are surrendered
identity. Such information may be required on a periodic basis. Please ask us for to State Bank of Pakistan (SBP) by the relevant banks, after meeting the conditions
more details by visiting any of our branch for more details, call 111-111-425 HBL 24 as per provisions of law. The surrendered deposits can be claimed through the
hours Phone Banking or visit www.hbl.com for more information. respective banks. For further information, please contact, the Branch
Cheque Bounce: Dishonouring of cheques is a criminal offence under Section 489-F Manager/Branch Operations Manager of your parent HBL branch.
of the Pakistan Penal Code of 1860 and Section 20 of the Financial Institutions Closing this Account: In order to close your account, please follow Bank laid down
(Recoveries Of Fiannce) Ordinance of 2001; and is subject to a criminal trial in internal procedures, For further guidance individual customers can contact nearest
Pakistan. Accordingly, you should be writing cheques with utmost prudence. branch manger/Branch operation manager and for company account please contact
Safe Custody: Safe custody of access tools to your account like ATM cards, PINs, your parent branch.
cheques, e-banking usernames, passwords; other personal information, (such as How can you get assistance or make a complaint?
DOB, Mother’s Maiden Name etc.) is your responsibility. Bank cannot be held Habib Bank Limited,
responsible in case of a security lapse at the customer’s end. HBL never calls you to Complaint Management Unit
ask for your personal information from any number including 111-111-425. HBL will 9th Floor, HBL Plaza,
never call and ask for your sensitive information (password, debit card #, PIN, CNIC, I.I Chundrigar Road,
OTP, CVV) via call, SMS or email. Kindly do not disclose details to anyone. Be extra Karachi, Pakistan
vigilant and do not provide any sensitive information Helpline: 021-111-111-425
(PIN/password/CNIC/ATM/credit card #) over the internet, telephone, SMS email, For Inquiries: [email protected]
or social media. For Complaints: [email protected]
Website: www.hbl.com
Record Updation: Always keep profiles/records updated with the bank to avoid
missing any significant communication. For further guidance individual customers If you are not satisfied with our response, you may contact:
can contact nearest branch manger/Branch operation manager for company If the Bank resolution is not satisfactory or there is no response provided within 45
account please contact your parent branch to update your information, call days, then a complaint may be filed with the Banking Mohtasib Pakistan.
111-111-425 HBL 24 hours Phone Banking or visit www.hbl.com for more details. https://www.bankingmohtasib.gov.pk/complaints.php
What happens if you do not use this account for a long period? If your account or drop a written complaint at,
remains inoperative for 12 months, it will be treated as inactive/dormant. If your Banking Mohtasib, Pakistan
account becomes dormant, you will be unable to execute any debit transaction till 5th Floor, Shaheen Complex, M.R. Kiyani Road, Karachi
the account is activated. You (individual customers) can contact your relevant Tel No.: 92-21-99217334-38
nearest HBL branch for company accounts please contact parent branch to update Email: [email protected]
records and reactivate your account. Overseas customers to email at Website: www.bankingmohtasib.gov.pk
[email protected] to get guidance for reactivation of their account(s).

(Portion to be used for the post-shopping stage)

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT

Customer Name Date D D M M Y Y Y Y

Product Chosen
Mandate of Account Single/Joint/Either or Survivor
Address
…
Contact No. Mobile No. Email Address

Customer Signature Signature Verified

 Current Accounts
Key Fact Statement

Y Y Y Y M M D D

HBL HBL HBL HBL HBL HBL HBL HBL

iD

1,000

800
700 0 5,000 0 25,000

5,000

43 0 43 0 0

1,000

HBL HBL HBL HBL HBL HBL HBL HBL

iD

400

370 500,000
0
500,000
600 0.125%
HBL HBL HBL HBL HBL HBL HBL HBL
iD

500,000
0
500,000
600 0.15%

0 ATM

18.75

0 /ADC

0
0

HBL HBL HBL HBL HBL HBL HBL HBL

iD

1,200
1,900 1,900
1,900
2,700 2,700
1,700

12,000
15 0
500 0 500 0
0

HBL HBL HBL HBL HBL HBL HBL HBL

iD

400 0 400 0
 HBL HBL HBL HBL HBL HBL HBL HBL
iD

0
0

0 /ADC

0
400 *0 400 *0

Y Y Y Y M M D D