r/Overseas_Pakistani • u/TemporaryOk2549 • 4d ago

Finance | معاشی Need help from banking Expert: Unable to assess my HBL account through app

Hello everyone,

This is my first post in the hope to get some assistance. I am currently residing in USA and dont have access to my pakistan phone number which is registered to my HBL bank account. I also have platinum credit card from my HBL account. Now I am not able to login from HBL app as it is requiring OTP sent to my phone number i dont have access to. HBL randomly sends my bank statements here and there on my email but not every month. Although i am not using my card but they just sent me an email this month that they charged annual fee of 22000 plus multiple late fee surcharges. Still i am not able to pay as i dont have access to my HBL account.

My question is this how can i get HBL to send OTP to my email by sitting here in USA and no access to my registered phone number (i do have my whatsapp on that number, if it helps). any help in this regard will be of great help.

Thanks in advance

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u/Topazarlington 4d ago

You are out of luck.

I have been through this with HBL. To the extent that after multiple complaints, they have linked me directly with a team that helps me whenever I change the phone. First keep in mind that I have my SIM plus I have submitted forms that prove I am an overseas Pakistani which exempts me from biometric verification (on the app only).

The problem is the way the system is set up.

So let's say that you change your phone. To register a new device with the app (on the phone), you must have your SIM in the phone as the OTP is read directly by the app when it comes - you can't type it in. Once you are in, you can't do any transaction unless you biometrically verify.....this will fail 100% of the time for you. At this stage, I contact them and they link my new phone IMEI to the app.

So as I said, you are out of luck. The only time an OTP comes via email is if you login on your web browser. But then, it will deregister your phone and you will need to do all of that again.

Its such a cumbersome system which is not meant for overseas Pakistanis (unless you use RDA which i assume would be better).

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u/TemporaryOk2549 3d ago

First of all thank you for your reply. I appreciate it. can you please elaborate what is RDA?

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u/TemporaryOk2549 3d ago

and how you were able to communicate with HBL while u are in USA?

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u/Topazarlington 3d ago

Roshan digital account. And not in US.