HBL Becomes the First Pakistani Bank to Provide Payment Services on WhatsApp

HBL Becomes the First Pakistani Bank to Provide Payment Services on WhatsApp

HBL has become Pakistan’s first bank to offer ‘full-featured’ banking services over WhatsApp. The facility was created in collaboration with E.Ocean, a renowned cloud communication service provider.


In 2021, E.Ocean’s WhatsApp Business Platform made HBL’s Conversational Banking available to its clients.

To use the service, HBL clients must send a message to HBL’s WhatsApp number (021-111-111-425) from the phone number on file with the bank.

In addition to the existing information services, HBL’s customers will now be able to execute payments and financial activities through the ‘full-feature’ set of services.

The following are examples of transactions/services:


  • Funds Transfer Between Banks
  • Mobile Recharge Intra-Bank Funds Transfer (Prepaid & Postpaid)
  • Block/Unblock Debit or Credit Card During Utility Bill Payments

“We are pleased to use the potential of the WhatsApp Platform to generate value for our clients,” said Abrar Ahmed Mir, HBL’s Chief Innovation and Financial Inclusion Officer. WhatsApp, with over 2 billion users, provides an unrivalled opportunity to meet instant fundamental financial demands.”

“This is why we incorporated a wide range of financial services into a platform that is already engrained in our clients’ daily life,” he continued. Client centricity is key to HBL’s business model, and we feel our relationship and its outcomes reflect that dedication.”

“It is a moment of great pride for E.Ocean to assist HBL in introducing the first of its kind full feature banking service for its retail customers using WhatsApp,” stated Altaf Siddiqui, Director of Products, E.Ocean.

“By being agile and introducing financial services into a channel that millions of its customers already use, HBL has been a trendsetter in delivering truly on-the-go banking with an emphasis on ease, accessibility, and security,” he continued.


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