A. Konnect Islamic Account is a Shariah Compliant branchless banking account that is linked with your mobile number and can be operated through the Konnect Agent Network or your mobile phone. It enables you to do all banking transactions the Riba Free way. ​

​A. Your mobile number is your Konnect Islamic Account number.

A. No. Existing customers need to close one’s account and then register for Konnect Islamic account.

​A. Currently, once closing an existing Konnect conventional account, you have to wait 30 days to reopen a Konnect Islamic Account.

A. ​Konnect Islamic will fulfill all financial needs for the customers while covering all Shariah aspects under the board of renowned Islamic scholars and is RIBA Free.

A. ​Yes, Konnect Islamic account offers Islamic debit card.

​A. Yes. The Konnect Islamic Account has an Islamic SOBC which can be viewed here

​A. Any person holding a valid CNIC and a PTA registered mobile number in his/her name can be a Konnect Islamic Accountholder.

A. You can open your Konnect Islamic Account through:

Konnect Mobile App

Konnect Agent

​A. Cash In is defined as depositing or receiving cash into your Konnect Islamic Account. You can visit any Konnect Agent to deposit cash into your Konnect Islamic Account and can receive via any transaction.

​A. Cash Out is defined as cash withdrawal or transfer from your Konnect Islamic Account. You can visit any Konnect Agent or HBL ATM to withdraw or transfer cash from your Konnect Islamic Account.

​All credit transactions conducted through the Konnect Islamic Account impact the Cash In limits of your Account. You can view the transaction limits through Konnect Mobile App or by calling Konnect CustomerCare at 111-425-111.

A. All debit transactions conducted through the Konnect Islamic Account impact the Cash Out limits of your Account. You can view the transaction limits through Konnect Mobile App or by calling Konnect CustomerCare at 111-425-111.

A. The difference between the two accounts is the KYC requirement check done at the time of account opening. The daily/monthly/annual transaction and account balance limits vary for these accounts.

A. Depending on the account type, the following transaction limits are available for Konnect Accountholders:

​These limits are set on the cumulative mobile account transactions (via any available channel).

A. Yes. If you have a Level 0 account you can enhance your transaction and balance limits by upgrading your account to Level 1. You simply need to visit your nearest Konnect Agent or nearest HBL Biometric ATM for account upgrade.

A. Currently you can only open one Konnect Account per CNIC. If you have a conventional Konnect Account, you will have to close that to open a Konnect Islamic Account. ​

A. No. You are not allowed to transfer ownership of your Konnect Account. If you are no longer using it, you need to request closure of your Konnect Account.​

A. There is no annual fee or charge for opening a Konnect Islamic Account. However, please note that transactions using the Konnect Islamic Account are subject to transaction charges in accordance with HBL’s Islamic Schedule of Bank Charges, which can be viewed on the link here Konnect Islamic Account​

A. You can avail Konnect services by:

• Visiting your nearest Konnect Shop
• Using Konnect Mobile App
• By dialing *2262# from your phone

​A. No minimum initial deposit is required to open a Konnect Islamic Account.

A. You can create your MPIN through SMS by sending an SMS to 8425 in the following format: BBPIN <4-digit numeric PIN> Example: BBPIN 1234 1234​

​A. You need to reset your MPIN. To reset MPIN, you can send an SMS to 8425 with the following message: BBPIN<4-digit numeric PIN> Example: BBPIN 1234 1234

A. Yes. An SMS notification will be sent on your registered mobile number for every transaction.​

​A. Transaction ID (TID) is a unique identification reference for all your financial transactions. It will be sent to you via SMS on your Konnect registered mobile number

​A. You should call Konnect CustomerCare at 111-425-111 and request for SMS or TID against the transaction you had carried out.

​A. If a funds transfer transaction is made to a CNIC (and not an account) and has not been collected yet, you can request for blocking the transaction by calling Konnect CustomerCare at 111-425-111 from your registered mobile number. You may also request for revoke of the funds transfer transaction.

A. In case your mobile phone gets stolen, your Konnect Islamic Account will not be compromised as:

• No information is stored in your mobile phone
• All transactions are secure since no transaction is completed without entering your TPIN

However, you should call Konnect CustomerCare at 111-425-111 to temporarily block your account. You can unblock your Konnect Islamic Account later by calling Konnect CustomerCare at 111-425-111.

Do not share your account credentials with anyone.

A. ​To initiate address change request, you can call Konnect CustomerCare at 111-425-111

​A. No. You cannot change your mobile number for your Konnect Islamic Account..

A. You can close your Konnect Account by calling Konnect CustomerCare at 111-425-111. ​

A. You can locate your nearest Konnect Agent by:

• Visiting the link: agent-locator
• Calling Konnect CustomerCare at 111-425-111

A. Revoke refers to cancelling the domestic remittance transaction. A transaction can be revoked only if it has not been received by the beneficiary. In case of a revoke, a sender can collect the amount after providing a valid OTP. This OTP will be sent to the sender on his/her registered mobile number upon successful request generation of transaction revoke. SMS alerts for revoked transaction are generated for both sender and receiver. ​

​A. In such a scenario, visit your nearest Konnect Shop for further assistance. The agent will be required to call on Konnect CustomerCare and revoke the transaction.

​A. Yes. You can pay utility bills through any Konnect Agent offering bill payment services. Simply visit your nearest Konnect Agent with the bill and amount to be paid and you will be able to pay bills instantly. For every bill payment made, you will receive an SMS notification as proof of payment.

A. Please refer to the updated Schedule of Charges available at Konnect Islamic Account

A. Please call Konnect CustomerCare at 111-425-111 to confirm bill payment status. ​

A. ​You can edit the payment details before the transaction is submitted and TPIN is authenticated. The transaction will not be cancelled once it is completed. You are requested to re-check the transaction before the request is processed.

A. ​The transaction is processed instantly. You will receive top-up immediately and SMS notification will be sent on your registered mobile number.

A. To link your HBL Branch Banking Account to your Konnect Islamic Account, simply call Konnect CustomerCare at 111-425-111 and provide your branch banking account number. Your Konnect Islamic Account will be tagged with your HBL Branch Banking Account after due verification and you will receive a confirmation via SMS notification​

A. You need to first de-link your existing HBL Branch Banking Account and thereafter initiate a new request for linking your Konnect Islamic Account with your branch banking account. ​

• Utility bill payments
• Mobile & Internet top-ups
• Funds transfer to CNIC, any bank account or mobile account
• Zakat Donation and payments
• Tax Filling
• Travel Tickets
• Debit Cards
• In App Shopping
• QR Payments
• Takkaful Plans
• Institutional payments
• And many more

A. ​Please call Konnect CustomerCare 021-111-425-111

A. Yes, Konnect Customer App provides safe and secure way to bank

• Username and Password are never exposed even if your mobile phone is stolen or lost
• All transactions are secure since no transaction proceeds without your T-PIN (Transaction PIN)

A. All sensitive information exchanged through Konnect Islamic App is encrypted. Encryption makes sure your information remains private (such as your T-PIN or transaction you perform) ​

A. Refrain from sharing your Konnect Islamicn App login credentials, T-Pin or OTP with any unauthorized entity

• Keep your password a secret and change it regularly
• Avoid using public WIFI to access your Konnect Islamic Account
• Report any suspicious activity on your Konnect Islamic Account immediately to Konnect CustomerCare 021-111-425-111

A. You can initiate request for the Konnect Islamic Debit Card by visiting any Konnect Agent or the Konnect App.

A. To activate your Konnect Islamic Debit Card, please follow the steps mentioned below:

Step 1: Generate your 5-digit activation code by sending the following SMS to 4250 using your Konnect registered mobile number

DC(last 4 digits of your Konnect Debit Card)

Example: DC2205

Step 2: Once the activation code is received, visit any HBL ATM along with your Konnect Islamic Debit Card, activation code and CNIC number.

Note:

1. This code is valid for 3 days only

2. In case your activation code expires, please call Konnect CustomerCare at 111-425-111

Step 3: Insert your Konnect Islamic Debit Card into any HBL ATM

Step 4: Select your preferred language

Step 5: Enter your 5-digit Konnect Islamic Debit Card activation code

Step 6: Enter your date of birth (DDMMYY)

Step 7: Enter your 13-digit CNIC number

Step 8: Select your 4-digit PIN Code

Step 9: Re-enter your PIN code

Step 10: Check for successful card activation message and memorize your PIN Code

A. ​​​Debit Card PIN is a 4-digit code that can be used for carrying out transactions at any ATM. You will be required to set up your Konnect Islamic Debit Card PIN at the time of card activation.

A. ​To change your ATM PIN, visit any HBL ATM, enter your current PIN, select “More Options” and go to “Change PIN”.

​A. Contact Konnect Customer Care at 111-425-111

​A. You can contact us on Konnect CustomerCare at 111-425-111 for further assistance.

A. The Debit card limits will be same as that of your mobile account, depending on your account type (Level 0 /Level 1).

A. ​Click here to refer to the HBL Islamic Schedule of Charges for updated information on applicable charges

A. Please refer to the HBL Islamic Schedule of Charges for updated information on applicable charges

A. In case your Konnect Islamic Debit Card gets lost, immediately contact us on Konnect CustomerCare at 111-425-111 to get your card blocked and request for issuance of a replacement card. ​

A. No, Konnect Islamic Debit Card can only be used locally.​

A. ​Please call Konnect CustomerCare at 111-425-111 for further assistance.

A. Konnect QR Payment is a scan to pay payment solution powered by the VISA payment scheme. Customers simply scan the QR code at any Visa enabled Konnect Agent or merchant to make an instant payment

A. ​No separate registration needs to be done for QR transactions. You simply need to login to the Konnect App with your username and password.

A. QR code is a quick, easy and hassle free way of making payments directly from your smartphone. It is a user-initiated transaction; you do not have to share your credentials with the Merchant to make payment.

• QR Payments are accepted at vast network of Visa enabled Konnect Agent and Konnect Merchants.

A. In a POS transaction, debit or credit card is required whereas in a QR transaction, the customer simply scans the QR code at the Merchant by using the Konnect App from their smartphone. Funds are debited from customer account and confirmation SMS is sent to the merchant and customer. ​

A. ​You can use the Konnect QR code at any Visa enabled Konnect Shop or merchant.

A.

Step 1 Log on to your Konnect App

Step 2: Go to ‘Scan to Pay’ option

Step 3: Scan the QR code displayed at the Konnect Agent/merchant

Step 4: Enter the payment amount and select the Pay option

Step 5: A digital receipt will appear on the screen and you will also receive a successful transaction alert

A. ​No, a QR payment can only be made using a smart phone.

A. Yes, your bank needs to have VISA payment solution to make QR payments. ​

A. ​Check your transaction history and provide the transaction details to the Merchant and register a complaint with Konnect CustomerCare (021-111-425-111)

A. Yes, you can make payments where QR code is accepted. For the complete list of Konnect Agents, visit agent-locator

A. For refunds within the same date, refunds can be made at any merchant. It is a merchant initiated transaction; the refunds can be made at the merchant’s end by providing the transaction details. ​

In case refund option is not available at merchant site, please contact Konnect CustomerCare 111-425-111 and lodge complaint for transaction. ​

A. Your daily account limits will be applicable.​

A. ​Please refer to the SOBC. Konnect Islamic Account

A. ​To locate a Konnect Shop near you, visit click here

A. Yes, you will receive a success SMS once the transaction is complete.