Planned Maintenance

Dear Valued Client,

Due to scheduled system maintenance,
the www.hbzbank.co.za 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. https://sub.habibbank.com/SA/hPLUS.

We apologize for any inconvenience caused during this time.
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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 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 April 2021 to 30th April 2021

SIRAT Savings

Tiers Weightages P.Rates* %
1 - 5,0000.02000.12
5,001 - 50,0000.16000.95
50,001 - 100,0000.20001.19
100,001 - 500,0000.24001.43
500,001 - 1,000,0000.28001.67
1,000,001 - above0.31001.85
Weightages Last Updated: 2021-04-08 14:04
*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
5,000,000.00+0.001052.970.001203.400.001313.710.001283.62
Weightages Last Updated: 2021-04-08 14:04
*P.Rates: Indicative Profit Rates


SIRAT Islamic Investment Certificates

Period Weightages P.Rates* %
One Month0.51003.04
Three Months0.52003.10
Six Month0.56003.34
1 Year Monthly0.64003.81
1 Year0.67104.00
Weightages Last Updated: 2021-04-08 14:01
*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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