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 Weightages and Profit Sharing Ratios

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.

Validity : 1st July 2021 to 31st July 2021

SIRAT Savings

Tiers Weightages P.Rates* %
1 - 5,0000.02000.13
5,001 - 50,0000.16001.00
50,001 - 100,0000.20001.26
100,001 - 500,0000.24001.51
500,001 - 1,000,0000.28001.76
1,000,001 - above0.31001.95
Weightages Last Updated: 2021-07-08 09:37
*P.Rates: Indicative Profit Rates

SIRAT Premium Call Account

Tiers SameDay 48Hrs 7 Days 60 Days
Weightages P.Rates* % Weighthages P.Rates* % Weightages P.Rates* % Weightages P.Rates* %
1 - 99,999.990.000902.550.001002.830.000922.600.001253.54
100,000.00 - 999,999.99 0.000922.600.001022.890.001012.860.001263.57
1,000,000 - 4,999,999.990.000932.630.001032.920.001103.110.001273.60
Weightages Last Updated: 2021-07-08 09:37
*P.Rates: Indicative Profit Rates

SIRAT Islamic Investment Certificates

Period Weightages P.Rates* %
One Month0.55003.45
Three Months0.56003.52
Six Month0.57003.58
1 Year Monthly0.63003.96
1 Year0.64004.02
Weightages Last Updated: 2021-07-08 09:38
*P.Rates: Indicative Profit Rates

Note Weightages are:
  1. Subject to immediate change.
  2. Quoted as per annum rates.
  3. Quoted as indicative rates of return and based on the Shari`ah principle of Mudarabah.

How to Apply:

Please contact the Islamic Branch for more information.

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