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

Islamic Banking FAQ's

SIRAT Premium Call AccountCompetitive Profit, Shariah Compliant

Sirat Premium Call Account Earn a competitive profit on call account in a 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.

View our competitive Profit Rates here

Certificate of Shariah Compliancy


  • Product type: Same day, 48hr, 7 days and 60 days.
  • Funds In: Add funds at any time, No minimum Balance requried.
  • Funds Out: Notice is required to withdraw as per product type, Multiple notices are allowed.
    Partial and full amount may be withdrawn, Manage your account through web banking.

  • Charges:Charges will be applicable as per schedule of charges. Available on our web site.
  • Profit Rate:Profit rate are tiered based on the amount invested.
  • Profit Payment:Profit is earned on balance, profit is calculated daily basis and paid out on monthly basis.
  • Eligibility:Close Corporation, Private Limited, Trust, Partnership and Sole proprietorship

How to Apply:

Please contact the Islamic Branch for more information.

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