About
Konnect by HBL is the branchless-banking account and wallet of Habib Bank Limited (HBL), run under the State Bank of Pakistan's branchless banking regulations. Customers open a Konnect account in the app or through HBL's Konnect agents, and can also transact by USSD (*2262#) or phone banking. From the account they send money to any bank account, pay utility bills, school fees and government taxes, top up mobile phones and use Scan to Pay for cashless purchases. Unlike a standalone fintech wallet, Konnect sits inside HBL, with debit cards and links to HBL branch accounts. Its Android app had over 5 million installs as of mid-2026.
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