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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Islamic Banking FAQ's



SIRAT Shari'ah Compliance Team

HBZ SIRAT offers Islamic personal and commercial banking products, managed by our dedicated SIRAT team, which has a nationwide mandate.

Shari'ah compliance sits firmly at the heart of our SIRAT banking products and services. To give you peace of mind that SIRAT banking meets Shari'ah principles, we work closely with an independent Shari'ah adviser to ensure the structures and documentation of the SIRAT accounts are reviewed and approved from a Shari'ah compliance perspective.

Our Shari'ah advisory team oversees the Shari'ah governance of our SIRAT banking services and conducts regular Shari'ah compliance audits.

Shariah Compliance Team

Shari'ah Advisor
Mufti Muhammed Ismail Haffejee


After successfully memorising the Quran in Madrassah Islamiyyah Benoni, Mufti Muhammad Ismail Haffejee went on to pursue his Aalim Faadil at Jamia Darul Uloom Karachi under the tutelage of Justice Mufti Muhammad Taqi Uthmani.

Mufti Muhammad holds a BA Hons in Semitic Languages and Culture (cum laude) from the University of Johannesburg and a BComm degree in Private Law and Economics from the University of South Africa.

After being awarded a scholarship to pursue post-graduate studies in Islamic Finance, Mufti Muhammad went on to succcessfully complete a Master of Science degree in Islamic Finance from INCEIF with specialisation in research for Islamic Finance using econometric techniques. Mufti Muhammad lectures Islamic Commercial Law at various higher learning instituions in South Africa and features regularly in the media.

Mufti Muhammad has more than a decade of experience in teaching and consulting businesses and corporations on matters finance, economics and ethics.

Shariah Quality & Assurance Officer
Mufti Mahmood Suliman


Mufti Mahmood serves in the Fatwa Department at the Darul Ihsan Research Centre in Durban preparing and issuing Islamic juristic rulings.

After completing his IGCSE from Cambridge at Al Nur School, Gaborone, he started his Aalimiyyah Course. In 2019, he completed his Aalimiyah Course at Madrasah Arabiyyatul Islaamiyyah in Azaadville, Johannesburg.

In 2021, he completed a two-year specialization course in Islamic Jurisprudence (Fiqh and Fatwa) from Darul Iftaa Mahmudiyyah, Durban, under the guidance and tutorship of world renowned, Mufti Ebrahim Desai (Rahimahullah), specializing specifically in Islamic Finance.


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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.