# HBL Microfinance — HBL Microfinance Bank > Digital banking and mobile wallet services for Pakistan. (iPhone/iPad app by FMFB Pakistan.) - Source: https://appshunter.io/ios/app/hbl-microfinance/id1463030414 (this page in markdown: same URL + `.md`) - Developer: [FMFB Pakistan](https://appshunter.io/developer/1364824103) - Category: Finance - Price: Free - Rating: 3.30/5 from 20 App Store ratings · 6 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 199 MB - Languages: American English, Urdu - Released: 2019-08-11 - Data updated: 2026-08-22 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/hbl-microfinance/id1463030414/reviews.md ## What is HBL Microfinance? Best Online Banking & Mobile Wallet App in Pakistan – HBL Microfinance Bank App Experience the future of digital banking in Pakistan with HBL Microfinance Bank App— the best online banking and mobile wallet app in Pakistan that combines Banking + Wallet services in one secure app. Send money, receive funds, pay bills, recharge mobiles, apply for instant digital loans, manage your bank account, and control your debit card all from your smartphone, anytime, anywhere in Pakistan. Open your digital bank account and wallet today and enjoy secure, fast, and convenient mobile banking. All-in-One Banking & Mobile Wallet App in Pakistan HBL Microfinance Bank allows you to manage both your bank account and mobile wallet seamlessly in one app, giving you complete control of your finances through secure digital banking services. Instant Money Transfer & Fund Transfer App Send and receive money instantly across Pakistan: • Transfer money to any bank account in Pakistan • Send money to mobile wallet users • Transfer funds within HBL Microfinance Bank accounts • Secure and instant 24/7 digital transactions One of the fastest and safest online money transfer apps in Pakistan. Mobile Load & Internet Bundle Recharge Recharge your mobile anytime: • Prepaid and postpaid mobile load for all networks • Internet and call bundles for Telenor & Ufone • Instant mobile recharge with secure payment The easiest mobile load and bundle recharge app in Pakistan. Online Utility Bill Payment App Pay all your bills digitally in seconds: • Electricity bill payment • Gas bill payment • Water bill payment • PTCL & internet bill payment • Multiple utility services supported Avoid long queues with one of the most reliable bill payment apps in Pakistan. Instant Nano Loans – Quick Digital Loan in Pakistan Get instant access to emergency funds with HBL Microfinance Bank App Nano Loan: • Apply digitally without paperwork • Get instant loan approval • Receive up to PKR 15,000 directly in your wallet • Flexible repayment options One of the most convenient instant loan apps in Pakistan. FPIN Your secure key to access and authorize transactions on your HBL Microfinance Bank app. Complete Bank Account Management Link and manage your HBL Microfinance Bank account digitally: • Real-time balance checking • Transaction history and account statements • Utility bill payments from bank account • Cheque book requests and tracking • Stop cheque facility • Tax certificate and account maintenance services • Dynamic QR payments • View profits, financing, and loan details ## Key features - Send and receive money instantly - Pay utility bills digitally - Recharge mobile load and bundles - Apply for instant digital loans - Manage bank account and debit card - Open digital bank account and wallet ## Recent user reviews (6 of 6) All indexed reviews: https://appshunter.io/ios/app/hbl-microfinance/id1463030414/reviews.md ### 2/5 — Terrible *2025-02-12* A lot of errors and can process ahead. Cant login and it stops trying again. ### 1/5 — App not working *2024-08-31* I created an account and now it does not login takes me to signup registering when already i have created an account pathetic service ### 3/5 — Worst app *2024-07-11* Stuck my 25000 after 7 days still didn’t received ### 3/5 — Login issue *2024-04-30* The app looks nice but the icons and not interactive. Plus it took me to the starting page asking for my number and when i inserted my number it says registered already. Not letting me log in ### 1/5 — Login issues all the time *2024-03-08* Whenever I try to log in it says customer already registered and nothing happens ### 5/5 — Best Bank HBLMfB *2023-10-17* user friendly interface best app i used ever sofar… 💫⭐️✨ “+92(315)-5800455”firstpay ## Frequently asked questions about HBL Microfinance ### What is HBL Microfinance? HBL Microfinance is a digital banking and mobile wallet app designed for users in Pakistan. It allows for money transfers, bill payments, mobile recharges, and instant loan applications. ### Is HBL Microfinance secure? Yes, HBL Microfinance emphasizes security with features like FPIN for transaction authorization and secure digital banking services. It aims to provide a safe platform for managing your finances. ### Can I get a loan through HBL Microfinance? Yes, HBL Microfinance offers instant nano loans up to PKR 15,000, which can be applied for digitally without paperwork and received directly in your wallet. Flexible repayment options are available. ### What types of bills can I pay with HBL Microfinance? You can pay a variety of utility bills, including electricity, gas, water, and PTCL & internet bills, through the app. It supports multiple utility services for convenient digital payments. ### Does HBL Microfinance support transfers to other banks? Yes, HBL Microfinance allows you to transfer money instantly to any bank account in Pakistan. It also supports sending money to mobile wallet users and transfers within HBL Microfinance accounts. ### What devices is HBL Microfinance available on? HBL Microfinance is available on iPhone, iPad, and iPod devices. It is designed for mobile use across these Apple platforms. ### How often is HBL Microfinance updated? The latest version of HBL Microfinance is 6.4.1, and it was last updated on February 24, 2026. This indicates a commitment to regular updates and improvements. ### What is the user rating for HBL Microfinance? HBL Microfinance has a user rating of 3.2 stars based on 19 ratings. This suggests a mixed but generally positive reception from its user base. ## Version history (last 5 releases) ### 6.4.4 — 2026-08-21 Multiple Core Account Linking – You can now link multiple HBL Microfinance Bank core accounts to your app and manage them conveniently from one place. One Rupee Game – Participate in the exciting One Rupee Game for a chance to win amazing prizes. Join the campaign directly from the app. ### 6.4.3 — 2026-07-08 Enhanced App security ### 6.4.2 — 2026-04-15 1. Introducing Buy Now Pay Later (BNPL) on HBL Microfinance App. Pay Bills, Top Up Mobile Balance & Subscribe Mobile Bundles Now, and Pay Later. 2. Multiple enhancements and fixes for an improved experience. ### 6.4.1 — 2026-02-24 A complete visual transformation! Experience our refreshed design with a modern new color theme, improved user interface, enhanced performance, and stronger security for a smoother digital banking journey. ### 6.4.0 — 2026-02-19 A complete visual transformation! Experience our refreshed design with a modern new color theme, improved user interface, enhanced performance, and stronger security for a smoother digital banking journey. ## Apps similar to HBL Microfinance | App | Rating | Price | Category | | --- | --- | --- | --- | | [Konnect by HBL](https://appshunter.io/ios/app/konnect-by-hbl/id1404206729) | 3.2 (47) | Free | Finance | | [Faysal DigiBank](https://appshunter.io/ios/app/faysal-digibank/id1459836486) | 3.7 (224) | Free | Finance | | [easypaisa – a digital bank](https://appshunter.io/ios/app/easypaisa-a-digital-bank/id1227725092) | 4.6 (6,969) | Free | Finance | | [Meezan Mobile App](https://appshunter.io/ios/app/meezan-mobile-app/id918489729) | 4.6 (2,912) | Free | Finance | | [Meezan Digital Account Opening](https://appshunter.io/ios/app/meezan-digital-account-opening/id1601232292) | 3.7 (62) | Free | Finance | | [HBL Mobile](https://appshunter.io/ios/app/hbl-mobile/id1123585628) | 4.4 (1,883) | Free | Finance | ## Related topics [fmfb pakistan](https://appshunter.io/ios/topics/fmfb-pakistan) · [hbl microfinance](https://appshunter.io/ios/topics/hbl-microfinance) · [microfinance](https://appshunter.io/ios/topics/microfinance) · [fmfb](https://appshunter.io/ios/topics/fmfb) · [hbl](https://appshunter.io/ios/topics/hbl) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-22.*