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 Profit Rates

SIRAT Savings Account

SIRAT Current Account

SIRAT Murabaha Financing

SIRAT Premium Call Account

SIRAT Islamic Investment Certificates

SIRAT Diminishing Musharakah

SIRAT Shariah Forward Exchange Contract

Islamic Banking FAQ's

SIRAT Current AccountA Banking Solution For All Your Financial Needs

SIRAT Current Account is opened on the basis of "Qard" (i.e. debt) whereby the customer is a lender and the Bank is the borrower. The Bank does not provide any profit share and there is no overdraft facility.
A Banking Solution For All Your Financial Needs

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


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

How to Apply:

Please contact the Islamic Branch for more information.

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