HBL Reviews 139

worst bank in Pakistan, Worst mobile app (lag, not responsive, forget functionality on Mobile data, unnecessary permissions, no in app screenshots) huge card charges, total garbage

I have been an HBL customer for over 10 years. Recently, HBL closed my account without any prior notice, explanation, or formal communication. As an overseas Pakistani, this has caused me immense difficulty.

There is no way to resolve this issue because HBL’s helpline is completely unresponsive. To make things worse, my account has even disappeared from the mobile app – as if it never existed. No balance, no transaction history, nothing.

I received zero warning, zero reason, and zero support. After a decade of loyalty, this is how HBL treats its overseas customers. I strongly recommend against using this bank, especially if you live outside Pakistan. They cannot be trusted with your money or your time.

Trying for over six months to activate a dormant account and still no luck. Must be the most incompetent bank in Pakistan.

Assalamualaikum,

I’m posting this because HBL claims to be Pakistan’s #1 digital bank, but honestly, the service and overall experience have been very disappointing.

My debit card recently expired, and a new one was supposed to be delivered to my mailing address. I was at home the entire day, yet I suddenly received a message saying the card was returned because no one was available to receive it—which is simply not true.

After that, I called customer support from my registered number. I went through the IVR process, verified my details, and still the agent asked for my CNIC, date of birth, and my mother’s name. Even after providing all the correct information, the agent told me that I was not calling from my registered number.

When I explained that I was indeed calling from my registered number, he still denied it and refused to assist me. This kind of response is unacceptable, especially when all verification steps were already completed.

To be honest, this has been a very frustrating experience. I expected much better from a bank that positions itself as a leader in digital services.

Dear concern,

I am writing to formally lodge a complaint regarding the extremely poor and unprofessional customer service I experienced at your HBL branch located on Peshawar Road.

I visited the branch with the intention of opening a company account, as well as discussing my existing salary account.(Check the attachment )However, I was disappointed to find that the staff present refused to assist me, stating that it was their break time (around 4:45 PM) and asked me to return later. Despite explaining the urgency of my request and informing them that I also have multiple employees who would be opening accounts with your branch, my request was disregarded.

Such behavior is highly unprofessional and reflects a lack of customer commitment. It is unacceptable for a reputed bank like HBL to deny service to customers during working hours due to internal timing preferences. This incident has caused significant inconvenience and has raised serious concerns about the quality of service being provided at this branch.

I request a thorough investigation into this matter and appropriate action against the responsible staff and inform me as well... Additionally, I expect assurance that such incidents will not occur in the future.

If this matter is not addressed promptly and satisfactorily, I will be compelled to pursue this issue through legal channels.

I look forward to your response.

Regards
Hassan ali asif

What the hell are they doing
Using WhatsApp automation, requested to "Talk to Agent"
he joined after "8 minutes"
after EACH msg, I waited for 7-9 mints pause before he responds, and later he said sorry, Please contact the HBL Phone Banking Helpline at 021 111 425-111 for further assistance.

My god, what the hell it is.

Pathetic service they are providing, worst staff, no customer survice, rude behaviour, poor hospitality.
North nazimabad five star branch is a hell.

First of all why isn't there option for -100 point. As this trashy bank deserve nothing less.

world trashiest exp : blind banking.
its been month I cant see the transition history. no msgs no emails. card wifi doesn't work in whole country. I would rather trade in stones than to use this bank!. this is level of Pakistani banks! pathetic

I'm expert in trust pallet reviews google reviews in 4 year ago.

I had a very disappointing experience with Habib Bank Limited. I visited the branch multiple times for a simple account and ATM card process, but the staff was extremely uncooperative and unprofessional. Every time I was given a different reason and no clear guidance.

Even after being told that my account was opened and the card would be delivered within a week, nothing arrived. When I followed up after a month, I was informed that the card was not even issued due to “some internal reason” — without any proper explanation.

The staff behavior was careless and dismissive. Instead of assisting properly, they made the process unnecessarily stressful and time-consuming. Very poor customer service and lack of accountability. Definitely not the experience I expected from a reputed bank

When I arrived in your bank HBL chitral branch 3:30 and I ask for the bank off the security mis behave me and pull me out of the bank and abused me.. kindly take an immediate action on it!

This is useless bank and mainly staff is so useless and bakwas Wait for 15 minute and when talk with them they cancelled the call without any solution that's so ridiculous way
Just wastage of time and money for only one
I think their value is not more than 1 damm

Very bad service for international remittance don't choose this Bank for international remittance they hold you amount as much as they can they will start asking for id varification multiple times even tough you varified customer very lazy service you will be very very very disappoint if you choose this bank for international remittance

You can consider HBL a good bank if you haven't have to face any issue. And if there's some issues, their netbanking is the worst, one must say.

Please don't choose HBL bank for your foreign remittances. They deliberately delayed your payment and start asking different id to verify. Its look like they want to hold your money as much as they can. Even if you told them you need that money badly and ask for help no empathy. Very rude staff.

using it for 8 years
very good experience overall, just some long timeouts at nights are annoying

Absolutely terrible experience! ★☆☆☆☆

This is by far the worst product/service I've ever wasted my money on. Complete garbage! It stopped working after just 2 days, customer support is useless and rude – they kept putting me on hold for hours and gave me zero solutions. Everything feels cheap, broken, and poorly made. Total scam!

Do NOT buy this! Save your money and go somewhere else. I regret every penny spent. Angry and disappointed customer who will never come back and will tell everyone to avoid this company.

I visited the Nusrat Khel branch of Habib Bank in Kohat after my account was frozen while I was in Dubai I requested to have it reopened, and the branch manager Ali Hussain assured me that it would be done within three days However after waiting for seventeen days I returned to the branch and was told that the account still hadn t been reopened Instead I was rudely instructed to close the account The manager s behavior was unprofessional and discourteous and I was left with no choice but to close my account
Additionally, I also contacted customer care, and they promised a response within three days, but I never received any follow-up.
I hope the bank addresses these issues and improves their customer service

Hbl bank account M Bilal ky name

Habib Bank Limited of Pakistan is the worst bank in the whole world ,no customer care at all the physical bank staff from top to bottom is poor in customer dealing and their mobile app is pathetic customer service of no help at all plz stay away from this third class bank I wish there was more rating below 1 star it does' nt deserver even 1 star