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 Diminishing MusharakahCommercial Assets Finance- Shariah Compliant Way

Diminishing Musharakah is used for the purpose of financing assets i.e. Property, Vehicle and Machinery.

In Diminishing Musharakah, the Bank and the Customer participate in joint ownership of the subject property / equipment or a commercial enterprise.

The customer, as a lessee, uses the share of the Bank and pays rentals, and as a partner redeems the share of the Bank.
Commercial Assets 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


  • Affordable repayment terms from one to five years.

How to Apply:

Please contact the Islamic Branch for more information.

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