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

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

Opening Islamic Banking Account

Islamic Banking FAQ's

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

Certificate of Shariah Compliancy


  • Affordable repayment terms from one to five years.

How to Apply:

Please contact the Islamic Branch for more information.

Copyright © 2022 HBZ Bank Limited, all rights reserved. Disclaimer | Access to Information Act | Data Privacy Notice | Cookies Notice