Planned Maintenance

Dear Valued Client,

Due to scheduled system maintenance,
the 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.

We apologize for any inconvenience caused during this time.

HBZ Bank Limited  
(A Subsidiary of Habib Bank AG Zurich) 
 South Africa
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SIRAT Savings Account

SIRAT Current Account

SIRAT Murabaha Financing

SIRAT Islamic Investment Certificates

SIRAT Diminishing Musharakah

SIRAT Shariah Forward Exchange Contract

SIRAT Murabaha FinancingTrade Finance - Shariah Compliant Way

SIRAT Murabaha is a financing arrangement of sales transactions whereby the Bank purchases a commodity on behalf of the customer and sells it to the customer on cost-plus-agreed profit basis. The cost and profit margin is expressly disclosed to the customer. The Bank buys the commodity from a third party and sells it to the customer at an agreed price.
Trade Finance - Shariah Compliant Way

Our Islamic Banking division is under the guidance of our Shari'ah Advisor, Mufti Ebrahim Desai. All documents have been reviewed and certified by the Darul Iftaa Mahmudiyyah as being in compliance with Shari'ah Laws and meet the requirements of Islamic Finance.

Certificate of Shariah Compliancy


  • For local purchase and import of raw materials and finished goods.
  • Tenure: maximum up to 120 Days.

How to Apply:

Please contact the Islamic Branch for more information.

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