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HBL FreedomAccount

Targeted for salaried and self-employed individuals as well as business operating across multiple cities & industries, HBL Freedom Account offers free unlimted features to fulfill your banking needs.

This account is for sole propertiors, SME or traders, partners in a company, individuals working in hospitals or educational institutes, private and public sector companies, as well as those working for local and multinational companies. ​


  • Free unlimited Cheque books
  • Free unlimited Banker’s Cheques
  • Free HBL Debit Card ( Individuals & Sole Proprietors)
  • Free duplicate account statement
  • Free Intercity cash deposits using HBL network
  • Free Intercity cash withdrawals using HBL network
  • Free online funds transfer transactions*
  • Free intercity funds transfer through the HBL Freedom Account using HBL network
  • Free cheque return charges for outward clearing cheques
  • Free Intercity Clearing
  • Free cancellation of Banker’s Cheque
  • Free Stop Payment of Cheque
  • Free SMS alert service available to individuals and sole proprietors for all transactions
  • Free Cash Withdrawal from any Bank’s ATM in Pakistan
  • Waiver on Cheque Return Charges

*Terms and Conditions: Account holder must maintain a minimum balance of Rs. 25,000**

Application Criteria

Sole Proprietors:

Provide a company incorporation certificate and an attested copy of your CNIC.


Provide an employee card or any other proof of employment on employer’s letterhead and your CNIC.

​*Terms and conditions apply. These are expected rates and can change. All profits payable are subject to Zakat and Government Levies​

**Service charges apply if minimum balance falls below this amount.​

​*Free Online Funds Transfer for Freedom Account refers to funds transfer from HBL Freedom account to any other HBL account

Note: A charge of Rs. 50 + FED will be applicable to each debit transaction initiated by the customer during the month if the balance falls below Rs. 25,000 even for a single day.​

Important Documents

Key Fact Sheet ( HBL FreedomAccount)- July 2017.PDF  
Size: 78 KB