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Konnect is a branchless solution offered to businesses/government to reach out to every part of the country. Following services are currently available through Konnect channel:

Loan Repayment Solution

it is a payment/installment collection channel that is offered to Micro Finance entities Borrowers of partner institutions [Akhuwat, FMFB, Finca Microfinance Bank, Khushhali Bank] can make their loan repayments directly at any Konnect location throughout Pakistan.


  • Microfinance mainly targets rural/underprivileged segments of the economy Branchless banking provides extremely low cost penetration channel into these segments.
  • Borrower saves time & money not having to travel long distances to bank branch – loan repayment facility available​ at any Konnect outlet.
  • Borrowers can check their installment amount before payment.
  • Digital receipt of transaction is sent in real time via SMS.


 HBL, Pakistan’s largest bank has decades of experience in G2P initiatives for disbursement & collection of funds More than 5000 Konnect agents are available to facilitate beneficiaries, pensioners & contributors at their door step in the remote areas HBL has already partnered with the Government on multiple projects like BISP, Khidmat Card project of Punjab Govt, Watan Card and Pakistan Card issued to flood victims​


  • Opening of beneficiaries/pensioners account without any fee.
  • 24/7 customer contact center available.
  • Cash withdrawal from nationwide ATM and thousands of Express Agents without any charge
  • Issuance of personalized cards.
  • No minimum balance requirement.
  • No Zakat deduction.

Salary Disbursement

Corporates can be able to disburse the amount (salary) to their employee’s mobile wallet through Konnect.​


  • Convenient for corporates to disburse the funds (salary) to their beneficiaries on daily or monthly basis without dealing with heavy cash management & visiting any branch.
  • HBL S&D team installs the kiosk at corporate locations to facilitate corporates and their employees in terms of mobile account opening
  • Convenient for corporate’s employees to open a mobile account at their own location without visiting any branch​
  • Corporate's employees can easily perform all types of branchless banking transactions through their mobile phones such as oney transfer, utility bill payment, prepaid/postpaid bill payment, loan repayments, donations, IBFT​
  • Corporate's Employees can collect and withdraw their salaries from their Mobile Accounts.​
  • Corporate employees can easily transfer funds from their HBL core banking account to mobile account or mobile account to HBL core banking account
  • Corporates can disburse the salary to their employees free of cost on the basis of debit instructions.​
  • No minimum balance requirement.
  • Cash deposit and withdrawal can be performed at more than 5000 Konnect Agents spread nationwide.
  • Account holders can view the last five (05) transactions made by them through Konnect​
  • Mobile Wallet using his mobile handset for free.

How to Apply?

Please get in touch with your HBL Relationship Manager or visit HBL Branch. To send an email please click the button below.