HBL review
Updated October 14, 2026 · HodlCue Editorial Team
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Our verdict
HBL Konnect cardholders set a PIN during card activation.
Pros and cons
Pros
- PIN setup and ATM change steps are described
- Limits are linked to the mobile account level
Cons
- Limits vary by account level
Who it suits
- Pakistan HBL Konnect debit-card users setting or changing a PIN.
Everyday
HBL Konnect cardholders set a PIN during card activation. The ATM PIN can later be changed at an HBL ATM using the current PIN and More Options menu. Card limits follow the associated mobile account level, either Level 0 or Level 1.
How HBL compares
Frequently asked questions
Sources
- hbl.com checked September 26, 2026
Backs: Headquarters
“The Largest Bank in Pakistan”
- hbl.com/personal/cards checked September 26, 2026
Backs: Card type, Legal entity
“Cards”
Compiled from 2 source pages, checked October 14, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.