HBL Arvostelua 

HBL debit card k 3450 rupees katy ha... In kanjro ko pta b ha k ghareeb aadmi k ketny din ki dehari ha... Ajeeb backchoodi ha master card b nhi ha sirf visa card pr 3450 cutting hwi jo k bht zyada ha ma apna account bnd krny laga hn HBL k sath.. Ap logo se b iltemas ha k HBL ma koi b bnda apna account na kholwaye

I recently opened a Roshan Digital Account with HBL and was assigned to Sabahat Ansar for support. She was thorough, collected all my documents, and clearly guided me through each step.
I ran into an OTP issue while logging in and raised it with customer service, expecting a quick fix. Instead, it took about 50 hours and multiple handoffs before I was finally connected back to the same Sabahat. She handled everything professionally and patiently, and resolved my problem without any hassle.
That experience made it clear: the Sabahat was the only person truly competent in handling Roshan Digital Account openings. If you need help, go straight to her — your issue will be sorted. If I could, I’d give her 10 out of 5 stars.

Very poor service. I have bank account with them for last 10 years.but I failed to get my accurate bank statement from last 3 Days. Branch says you can download and print the statement while we can only sign that. On the other hand App is not showing my correct Statement where one transaction of 950000 is missing in the statement. Also last one month and last 6 month statements are showing different balances.

The customer care system is very poor and very loose because I have been calling for the last 3 days and these people are not picking up my calls. i m not satisfied from hbl bank 💔 now i hate hbl bank

HBL has the most pathetic service. I wish i could give them negative star.
I have been waiting for the debit card for the last 23 days and the card is already with them in Karachi and they are not sending it.
I am going to close HBL account permanently and would never ever recommend this bank to anyone.
They do not listen to you despite many calls and follow ups.
Most useless bank in the history of banks

The worst bank I have ever come across. There is no check and balance over the staff and functioning. Whenever I visited this bank especially Quetta Complex Branch, I had a torturing experience. Please avoid this bank to avoid regrets later. Today, I was left with no choice except to completely shift to another bank.

There’s a serious gap between branding and reality at HBL.

Recently, I initiated transfers via the HBL mobile app to Easypaisa and a United Bank Limited account — neither went through nor reversed. I waited over 3 hours in a marketplace while support gave contradictory responses.

• First agent: “No issue, wait up to 1 hour.”
• Second agent: “Its not been 1 hour yet, please wait.”
• Third agent: “System-wide issue, you were notified via HBL app notification”
• Supervisor: “We fulfilled responsibility via notification. it was your fault for proceeding with the transaction.”

So which is true?
👉 No issue — or a known system failure? Both cannot coexist.

Despite claims of “notification”:
• No visible or blocking warning in the app
• Transactions were allowed normally
• No email or critical alert for a sensitive failure

This reflects:
• Poor internal communication
• Weak incident handling
• Shifting accountability onto the customer

Let’s be clear:
👉 If systems are unstable, block transactions
👉 Critical alerts should be unavoidable (not passive notifications)
👉 Email communication is essential in such cases

What made it worse:
• Blame-shifting to customer/other banks
• No callback after complaint
• No compensation despite hours lost

This isn’t isolated. Even SMS confirmations are delayed — sometimes minutes, even a day later — making real-time trust questionable.

👉 If alerts aren’t timely, how can customers trust their own balance?

This experience led me to move my funds elsewhere — simply to avoid this situation again.

When a bank says “Jahan khwab, wahan HBL”, customers expect reliability — not uncertainty.

Financial systems handle money, not content. Trust is non-negotiable.

I have received 1,53,000 points against foreign transaction. These points vanished once i avail 3 month interest free installments. i have been informed that these points will be posted again once final installment will be posted to your ledger. Final instalment posted in the month of March and since then i have been following-up regularly to post my points but no one is bothering. Every time i have been receiving complaint number and after few days get messages you complaint has resolved. But still my case un resolved since last two to three months

Very patehtic service . Instead of compensating us they refused to gmhek us regsrding fraud. They help the rich people

Dunia ka ganda treen bank hai ye HBL. Ghatiya Log, Ghatiya Service, Ghatiya Bank. Logon ko zaleel krna kam bs inka. Allah enhe zaleel o khwaar kre. Ameen

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 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!