Planned Maintenance

Dear Valued Client,

Due to scheduled system maintenance,
the www.hbzbank.co.za website will be temporarily unavailable from
2:00 pm on Friday, 1 September 2017 until
7:30 am on Saturday 2 September 2017.   

You can however login to our Online Internet Banking website using the following link i.e. https://digital.habibbank.com/sa.

We apologize for any inconvenience caused during this time.
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HBZ Bank Limited  
(A Subsidiary of Habib Bank AG Zurich) 		  South Africa

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HBZ Bank Limited has been providing customers with Shariah-Compliant Banking products and services since 16th November 2005. SIRAT, the Bank’s Islamic banking brand, was launched on the 21st of November 2018 (12th Rabi-ul-Awal 1440 'Hijri) in South Africa.

"SIRAT" is an Arabic word meaning 'path'/'direction'. SIRAT signifies a path to success and expresses Habib Bank AG Zurich as a trusted partner to its stakeholders. The ideology of the name, therefore, is derived from the principles embodied by the name and image of the Bank and represents the centuries-old legacy of the Habib family.

The brand represents a commitment to the basic values of security, integrity, respect, accessibility, and trust, and as such, is a reflection of the Group’s core values and vision. Through this commitment, SIRAT fortifies its relationships with stakeholders by providing them with high-quality, innovative Shariah-compliant products and services to cater to their financial needs.

Islamic Banking is available to any persons or businesses regardless of their religious beliefs.

Please refer to our Brochure or contact our Islamic Branch for more information.

SIRAT Premium Call Account

SIRAT Premium Call Account


  • No Minimum Balance Required
  • Add Funds Any Time
  • Profit Earned on Balances
  • Web Banking.
  • Close Corporation, Private Limited, Trust, Partnership and Sole proprietorship.

    Read More...

SIRAT Savings Account

SIRAT Savings Account


  • No restrictions or limits on transactions.
  • Web Banking.
  • E-Statement.
  • Online Access for real-time payment.
  • Debit cards for individuals.

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SIRAT Current Account

SIRAT Current Account

  • No restrictions or limits on transactions.
  • Web Banking.
  • E-Statement.
  • Online Access for real-time payment.
  • Debit cards for individuals.

    Read More...

SIRAT Islamic Investment Certificates

SIRAT Islamic Investment Certificates




  • Fixed Investment for 1, 3, 6, 12 months and above, with attractive profit on maturity.



  • 1 year fixed investment with profit payable monthly.

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SIRAT Shari'ah Team

SIRAT Shari'ah Team



Compliance with Shari'ah Laws and meeting the requirements of Islamic Finance.

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Downloads

SIRAT Account Opening Forms



As an Islamic business you may open a Current account or a Profit & Loss sharing saving account or both.

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SIRAT FAQs

SIRAT FAQs


  • What is the difference between Islamic Banking and Conventional Banking?


  • The main difference between Islamic and conventional is that Islamic banks prohibit interest/Riba. Unlike conventional banks, Islamic banks promote trade (buy and sell) transactions and partnerships. In Islamic banking, wealth can be generated through legitimate trade and investment.

    Read More...

SIRAT Weightages

SIRAT Weightages &
Profit Sharing Ratios




  • Compliance with Shari'ah Laws and meets the requirements of Islamic Finance.

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SIRAT Shariah Forward Exchange Contract

SIRAT Shariah Forward Exchange Contract




  • Fixed Forward Exchange Contract.
  • Fully And Partially Optional Forward Exchange Contract.

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SIRAT Murabaha Financing

SIRAT Murabaha Financing




  • For local purchase and import of raw materials and finished goods.


  • Tenure: maximum up to 120 Days.

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SIRAT Diminishing Musharakah

SIRAT Diminishing Musharakah




  • Commercial Assets Finance- Shariah Compliant Way


  • Affordable repayment terms from one to five years.

    Read More...

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HBZ Bank Limited is a licensed financial services provider in terms of the Financial Advisory and Intermediary Services Act and a registered credit provider in terms of the National Credit Act, registration number NCRCP8.