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Domain Due Diligence
Report for Www.hbl.com

Report Date January 18, 2026
Recommendation
Caution
Overall Summary
Safe
Why we think so

HBL (Habib Bank Limited) is a major bank headquartered in Pakistan, recognized as the largest and award-winning bank in the country. It operates over 1,700 branches, 2,000+ ATMs, and serves around 20 million customers across 15 countries. The website www.hbl.com shows strong technical infrastructure including HTTPS security, and the domain draws substantial direct and search traffic with a global rank near #63,887. Customer support details and official emails are prominently available. There are no current official blacklists or phishing flags on this domain. However, recent media reports warn of a fake HBL mobile app scam targeting users, and some customer reviews highlight app glitches and customer service delays. Ongoing US lawsuits regarding alleged anti-money laundering have been reported, but the bank maintains compliance and disputes claims. Overall, www.hbl.com is legitimate with solid technical and business indicators, but users should be cautious of app impersonations and check official sources carefully.

Confidence Score
83%

Risk Insights

🛡️

Strong Website Security

Uses Extended Validation SSL certificate.
HTTPS enforced site connections.
Modern security technologies in place.
📈

High User Engagement

~784,000 monthly visits globally.
Top traffic from Pakistan and Gulf countries.
Low bounce rate indicates engaged users.
⚠️

Beware Fake Mobile App

Fake HBL app scams reported targeting users.
Official app issues noted in user reviews.
Verify app sources carefully before download.
⚖️

Ongoing Legal Challenges

Multiple US lawsuits alleging AML violations.
Bank contests claims and updates compliance.
Cases remain unresolved and active.

Contradictory Signals

While the domain itself is clean, external scams mimic the brand, posing risks.

Signal A: No blacklists or phishing detected

Signal B: Reported fake mobile app scams deceiving users

Technical robustness contrasts with some customer experience issues affecting trust.

Signal A: Strong technical and business indicators

Signal B: User complaints about app glitches and customer service delays

Category Scores

Identity 85/100
Reputation 75/100
Technical 90/100
Content 80/100
Legal 65/100
Business Validity 85/100

Red Flags & Warnings

  • Reports of fake HBL mobile banking app circulating, potentially putting users at risk of fraud.
  • Customer complaints cite app glitches and poor support responsiveness, which may affect user trust and experience.

🔎 Detailed Checks & Analysis

SSL Certificate Validity

Score: 95/100
Passed

"The certificate is valid from January 2025 to February 2026, indicating updated security measures."

Reason: www.hbl.com uses a valid Extended Validation SSL certificate issued by DigiCert, ensuring secure connections.

Domain Traffic and Popularity

Score: 85/100
Passed

"Top traffic primarily comes from Pakistan with strong search and direct visits, supporting trust."

Reason: The domain receives about 784,000 monthly visits with a global rank under 65,000, confirming significant usage and visibility.

Technical Infrastructure Quality

Score: 90/100
Passed

"The technology stack includes popular frameworks and security services reinforcing legitimacy."

Reason: Use of established technologies such as Google services, Imperva security, Cloudflare CDN, and Facebook integration indicates reliable infrastructure.

Contact Information Transparency

Score: 80/100
Passed

"Includes dedicated addresses for customer care, complaints, whistleblowing, and regions served."

Reason: Multiple official contact emails and phone numbers are available on the website, facilitating user communication.

Blacklist and Phishing Status

Score: 100/100
Passed

"This shows the domain is currently not flagged for malicious activity or scams."

Reason: No presence on crypto scam blacklists or Google Safe Browsing phishing lists was found.

Trademark Legitimacy

Score: 75/100
Passed

"Some trademarks are dead but do not appear to impact the bank's current brand rights."

Reason: USPTO records show multiple historic trademarks for "HBL," supporting brand legitimacy with no conflicting claims detected.

Legal and Reputation Concerns

Score: 50/100
Failed

"Media reports and court docs describe complex cases with claims of secondary liability for terror financing."

Reason: HBL faces ongoing US lawsuits over AML compliance; bank denies allegations but this affects legal risk perception.

Your Next Steps

  • 1
    Avoid downloading HBL mobile apps from unofficial sources to prevent falling victim to fake app scams.
  • 2
    Verify contact details and correspondences directly via the official website www.hbl.com or official communication channels.
  • 3
    Monitor official news outlets and regulatory updates regarding HBL's legal cases if concerned about compliance issues.
  • 4
    Use caution when submitting personal or banking information and confirm legitimate channels for customer service.
  • 5
    Consider contacting HBL customer care via emails found on the official site for any unresolved app or service issues.

Evidence & Citations

🕵🏻 Keep investigating

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