@Work Conventional Accounts

Key Fact Sheet

Habib Bank Limited, Date: (This will be date KFS is signed by customer)
--------Branch,
IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English
--------City.
and Urdu. You may also use this document to compare different accounts offered by other banks. You have the
right to receive KFS from other banks for comparison.

Account Types & Salient Features:

This information is as per the prevailing Schedule of Bank Charges (SoBC) as of 31 December, 2021. Services, fees and mark-up rates may change on
a half-yearly basis. For updated fees/charges, you may visit our website www.hbl.com or visit our branches.
HBL @Work - Conventional
Particulars HBL @Work Basic Banking HBL @Work Premium HBL @Work Savings Account
Current Account Current Account
Currency PKR PKR PKR
Minimum Balance To open 0 0 0
for Account To keep 0 0 0
Account Maintenance Fee 0 0 0
Is Profit Paid on account
No No Yes
Subject to the applicable tax rate
Indicative Profit Rate (%) N/A N/A 5.5%
Profit Payment Frequency N/A N/A Semi-annually
Provide example: N/A N/A On each Rs. 1,000, you can earn
Rs. 27.5 semi-annually
Premature/Early 0 0 0
Encashment/Withdrawal Fee
Service Charges
IMPORTANT: This is a list of main service charges for this account. It does not include all charges. You can find a full list available of all bank
charges (SOBC) at our branches, visit our website www.hbl.com or call 111-111-425 HBL 24 hours Phone Banking. Please note that all bank charges
are exclusive of applicable taxes.
HBL @Work – Conventional
Service Charges
Services Modes
HBL @Work Basic Banking HBL @Work Premium HBL @Work Savings Account
Current Account Current Account
Two deposits and two
withdrawals are free
per month
Cash Transaction Intercity Deposit:
Rs. 400/- flat
Withdrawal: 0 0
(i) Up to Rs. 500,000/-
per day: Rs. 370/- flat
(ii) Over Rs. 500,000/-
per day: 0.125% of
transaction amount
with minimum Rs. 600/-
Intra-city Deposit:
Free
Withdrawal:
(i) Up to Rs. 500,000/-
per day: Free 0 0
(ii) Over Rs. 500,000/-
per day: 0.15% of
transaction amount
with minimum Rs. 600/-

Own ATM withdrawal 0 0 0

Other Bank ATM Rs. 18.75 per withdrawal 0 0

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 @Work Conventional Accounts
Key Fact Sheet

ADC/Digital 0 0 0
SMS Alerts Clearing N/A N/A N/A
For other transactions Rs. 85/- per month 0 0
PayPak Chip First Year: 0 Rs. 1,000/- Rs. 1,000/-
Subsequent Year: Rs. 1,000/-
Visa Chip Rs. 1,600/- Rs. 1,600/- Rs. 1,600/-
Master Card Standard Rs. 1,600/- 0 0

Debit Cards Master Card Gold Rs. 2,400/- Rs. 2,400/- Rs. 2,400/-
Dolmen Debit Card Rs. 1,000/- Rs. 1,000/- Rs. 1,000/-
Union Pay Chip Rs. 1,500/- Rs. 1,500/- Rs. 1,500/-
Visa Chip USD N/A N/A N/A
Master Card Titanium Rs. 2,300/- Rs. 2,300/- Rs. 2,300/-
Master Card World Rs. 10,000/- Rs. 10,000/- Rs. 10,000/-
Issuance Rs. 12/- flat per leaf 0 0
Cheque Book Stop payment Rs. 450/- flat per instruction Rs. 450/- flat per instruction Rs. 450/- flat per instruction
Loose cheque 0 0 0

HBL @Work – Conventional

Services Modes Service Charges

HBL @Work Basic Banking HBL @Work Premium HBL @Work Savings Account
Current Account Current Account
Remittance (Local) Banker Cheque/Pay Order Rs. 375/- flat 0 0
Remittance Foreign Foreign Demand Draft 0.25% Minimum 0 0
Rs. 1,000 plus
Rs. 500 Swift charges
Wire Transfer 0.25% Minimum 0.25% Minimum 0.25% Minimum
Rs. 750 plus Rs. 750 plus Rs. 750 plus
Rs. 500 Swift charges Rs. 500 Swift charges Rs. 500 Swift charges
Statement of Account Annual 0 0 0
Half Yearly 0 0 0
Duplicate 0 0 0
Fund Transfer ADC/Digital Channels 0 0 0
Others (RTGS) 0 0 0
Digital Banking Internet Banking 0 0 0
subscription
(one time & annual)
Mobile Banking subscription 0 0 0
(one- time & annual)

Clearing Normal 0 0 0
Intercity Rs. 400/- Rs. 400/- Rs. 400/-
Same Day Rs. 500/- flat Rs. 500/- flat Rs. 500/- flat
Closure of Account Customer request 0 0 0

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 @Work Conventional Accounts
Key Fact Sheet

You Must Know

Requirements to open an account: To open the account you will Unclaimed Deposits: In terms of Section 31 of Banking Companies
need to satisfy some identification requirements as per regulatory Ordinance, 1962 all deposits which have not been operated during the
instructions and banks' internal policies. These may include providing period of last ten years, except deposits in the name of a minor or a
documents and information to verify your identity. Such information Government or a court of law, are surrendered to State Bank of Pakistan
may be required on a periodic basis. Please ask us for more details by (SBP) by the relevant banks, after meeting the conditions as per
visiting any of our branch for more details, call 111-111-425 HBL provisions of law. The surrendered deposits can be claimed through the
24 hours Phone Banking or visit our www.hbl.com for more information. respective banks. For further information, please contact the Branch
Manager/Branch Operations Manager of your parent HBL branch.
Cheque Bounce: Dishonoring of cheques is a criminal offence under
section 489-F of the Pakistan Penal Code of 1860 and section 20 of Closing this account: In order to close your account, please
the Financial Institutions (Recoveries of Finance) Ordinance of 2001; follow bank’s laid down internal procedure. For further guidance please
and is subject to a criminal trial in Pakistan. Accordingly, you should contact the Branch Manager/Branch Operations Manager of your
be writing cheques with utmost prudence. parent HBL branch.

Safe Custody: Safe custody of access tools to your account like ATM How can you get assistance or make a complaint?
cards, PINs, Cheques, e-banking usernames, passwords; other Habib Bank Limited,
personal information, (such as DOB, Mother’s Maiden Name etc.) is Complaint Management Unit
your responsibility. Bank cannot be held responsible in case of a 9th Floor, HBL Plaza,
security lapse at the customer’s end. HBL never calls you to ask for I.I. Chundrigar Road,
your personal information from any number including 111 111 425. Karachi, Pakistan
HBL will never ask for your sensitive information (password, debit Helpline: 021-111-111-425
card #, PIN, CNIC, OTP, CVV) via call, SMS or email. Kindly do not For Inquiries: customer.care@hbl.com
disclose details to anyone. Be extra vigilant and do not provide any For Complaints: customer.complaints@hbl.com
sensitive information (PIN/password/CNIC/ATM/Credit Card #) over Website: www.hbl.com
the internet, telephone, SMS email, or social media.
If you are not satisfied with our response, you may contact:
Record updation: Always keep profiles/records updated with the If the bank resolution is not satisfactory or there is no response
bank to avoid missing any significant communication. You can provided within 45 days, then a complaint may be filed with the
contact your relevant HBL branch to update your information or call Banking Mohtasib Pakistan.
111-111-425 HBL 24 hours Phone Banking or visit our website https://www.bankingmohtasib.gov.pk/complaints.php
www.hbl.com for more details.

What happens if you do not use this account for a long period?
If your account remains inoperative for 12 months, it will be
treated as inactive/ dormant. If your account becomes dormant,
you will be unable to execute any debit transaction till the
account is activated. To reactivate your account, you must visit
the parent HBL branch to update records and reactivate your
account. Overseas customer to email at bio.verify@hbl.com to
get guidance for reactivation of their account(s).

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT

Customer Name: Date: D D M M Y Y Y Y

Product Chosen:

Mandate of Account: Single/Joint/Either or Survivor:

Address:

Contact No.: Mobile No.: Email Address:

Customer Signature: Signature Verified:

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Key Fact Sheet

0 0
0 0

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Key Fact Sheet

D D M M Y Y Y Y

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