Habib Bank Ag Zurich (HBZ)

Habib Bank Ag Zurich (HBZ)

HBZ Bank Limited represents the first major investment in South Africa by a Swiss based Banking Group. HBZ Bank was launched in South Africa in 1995 with an initial capital investment of R 50 million. It currently operates branches in Kwa-Zulu Natal and Gauteng and has a division specialising in Islamic Banking. HBZ Bank Limited is a wholly owned subsidiary of Habib Bank AG Zurich. This ensures that services in the best Swiss traditions are provided to its South African customers. Whilst HBZ Bank Limited, registered in South Africa as a local commercial bank, diligently conforms to the requirements of the South African Reserve Bank; it also adheres and lives up to the Swiss Banking tradition of confidentiality and legendary service.

A truly International Bank
Since its establishment in Switzerland in 1967, Habib Bank AG Zurich has expanded into a truly international bank whose operations encompass over 40 branches, affiliates, subsidiaries and representative offices that span 4 continents including countries such as Switzerland, United Kingdom, Isle of Man, United Arab Emirates, Pakistan, Hong Kong, Kenya, South Africa and Canada.


48 Years of Consistent Growth
With a track record of 48 years of consistent growth across the globe, by the Grace of God the total assets of Habib Bank AG Zurich have grown substantially. With a staff of dedicated professionals, it has accumulated a wealth of experience and expertise in dealing with the daily changing demands of Global Banking ensuring that it remains a force in International Banking.


Personal Banking

Whatever your individual needs are, we can offer you a personalized set of products that will allow you to manage your finances effortlessly and professionally.


These include:
Lending options that will suit your particular unique situation.
A range of deposit products tailored to suit your specific needs at rates of interest that will allow you to grow your wealth.
Foreign currency remittances and foreign currency cash dealings at competitive rates.


Islamic Banking: Explained

What sets Islamic Banking apart from conventional banking is an adherence to the principles of Shari’ah, which in simple terms means our Islamic Branch is not allowed to charge or pay interest on financing or deposits, or transact in investments or businesses involving alcohol, gambling or other Islamically unacceptable activities.

Conventional BankingIslamic Banking
Based on Interest
Deals in money or paper
Based on a fixed return for both deposits and lending
Does not involve itself in trade and business
Based on profit or rent
Deals in assets
Based on profit sharing or dividend for deposits and on profit or markup for lendingActively participates in trade and production

Islamic Banking is available to any persons or businesses regardless of their religious beliefs.

Our Islamic Banking division is under the guidance of our Shari’ah Advisor. All documents have been reviewed and certified by the Darul Uloom Zakariyya as being in compliance with Shari’ah Laws and meet the requirements of Islamic Finance.


Please contact the Islamic Branch for more details.

Quick guide to access HBZweb
Complete the HBZBankweb application form and return it to your nearest HBZ branch.
The branch will contact you to collect and sign for your PIN mailer containing your login name and password.
Go online to change your password and have full access to the Internet.