An HBL IBAN is PK, two check digits, HABB, then 00 and your 14-digit account number. The 14 digits are a 4-digit branch code, an 8-digit account number and a 2-digit account type, written like 1234-00123456-01.
Type the 14 digits above and the IBAN appears. For 1234-00123456-01 it is PK09 HABB 0012 3400 1234 5601.
HBL's 14-digit account number inside the IBAN
| Part | Example | Digits |
|---|---|---|
| Country | PK | 2 letters |
| Check digits | 09 | 2 |
| Bank code | HABB | 4 letters |
| Padding | 00 | 2 |
| Branch code | 1234 | 4 |
| Account number | 00123456 | 8 |
| Account type | 01 | 2 |
This 14-digit layout is the one in Allied Bank's January 2023 sheet of account number formats for interbank transfers. It matches real HBL IBANs printed with their account numbers, including an HBL Islamic account, and each passes the ISO check. HBL Islamic accounts use the same HABB code.
Where HBL shows your account number
Your 14-digit account number is printed on your cheque book and shown under account details in the HBL Mobile app, which also shows the IBAN. It is on your account statement too.
HBL Konnect accounts are different: HBL says the Konnect account number is your mobile number. This calculator does not cover Konnect; take the IBAN from the Konnect app.
Worked example: branch 1234, account 00123456
Branch 1234, account 00123456, type 01:
- 16-digit part: 00 + 12340012345601 = 0012340012345601.
- Rearranged: HABB0012340012345601PK00.
- Letters to numbers (H = 17, A = 10, B = 11, P = 25, K = 20): 171011110012340012345601252000.
- Remainder after dividing by 97: 89. Check digits: 98 minus 89 = 09.
IBAN: PK09 HABB 0012 3400 1234 5601.
If you are sending to someone at another bank, use the IBAN generator for all banks or check the IBAN they gave you.
Catching a mistyped HBL IBAN
Take PK09 HABB 0012 3400 1234 6501, the example IBAN with its 5 and 6 swapped. Check an IBAN works out the mod 97 remainder of the rearranged number: a valid IBAN gives 1, this one gives 51. With these digits the check digits would need to be 56, so the 09 in front gives the mistake away.
The correct PK09 HABB 0012 3400 1234 5601 passes. Single wrong digits and swapped neighbours, the slips people make when they read an IBAN aloud, never get through.
Common mistakes with HBL IBANs
- Dropping the leading zero of the branch code. Branch 0786 typed as 786 leaves 13 digits, and the IBAN comes out wrong. The calculator warns you when an HBL number is not 14 digits.
- Leaving out the account type. The last two digits (such as 01 or 03) are part of the account number and part of the IBAN. Without them the number has only 12 digits.
- Using a Konnect number. An HBL Konnect account is your mobile number and does not follow this format. Take its IBAN from the Konnect app.
- Expecting a different code for HBL Islamic. HBL Islamic accounts use HABB too. Habib Metropolitan Bank is a separate bank with the code MPBL.
Check the result against HBL Mobile or your statement before giving it out; a mistaken IBAN can send a payment to the wrong account. HBL has no connection with this site.
HBL IBAN questions
How many digits is an HBL account number?
Fourteen for a normal HBL branch account: 4-digit branch code, 8-digit account number and a 2-digit account type. With PK, two check digits, HABB and two zeros, the IBAN has 24 characters.
What is HBL's IBAN bank code?
HABB, for HBL conventional and HBL Islamic accounts in Pakistan alike. It is also how HBL's SWIFT code begins.
Can I generate an HBL IBAN without the branch code?
No. The branch code is part of the 14-digit account number and part of the IBAN. It is the first four digits on your cheque book; the calculator warns you if the number you type is not 14 digits.
Why does my HBL IBAN start PK and two numbers before HABB?
Those two numbers are the check digits. They are worked out from the rest of the IBAN so that typing mistakes can be caught. They are different for every account, which is why two HBL IBANs rarely share them.
Is the HBL IBAN the same for HBL Islamic accounts?
Yes, the layout and code are the same: PK, two check digits, HABB, two zeros and the 14-digit account number. HBL Islamic branches use the same 4-digit branch code, 8-digit account and 2-digit type pattern.
Last reviewed 9 October 2026. Results are estimates; official notices always take precedence.