USD
PKRValid on your first transaction (up to 500.00 USD with a debit card). This offer cannot be combined with other promotions. Credit cards add 3%.Above $500 the standard rate and fee apply.
Pakistan’s October inflation eased to 9.6% year-on-year from 10.3% in September, while the State Bank’s policy rate stood at 12% after a 50-basis-point increase. Foreign-exchange reserves rose by $39 million to $21.56 billion in the week ended October 30, and the rupee closed at 276.67 per dollar on November 6. Source: tribune.com.pk
Updated November 9, 2026
Rate at banks and stores: Meezan Bank
Dollar today in: Pakistan · Mexico · Dominican Rep. · Guatemala · Honduras · Colombia · Philippines · Ghana
The dollar exchange rate at HBL that matters for a home remittance is the one of the company that sends it. When you send with Sharemoney to a HBL account, the rate is fixed in the app before you pay. On November 9, 2026, Sharemoney pays 274.94 rupees per dollar, or 280.71 on a first transfer.
HBL also buys and sells foreign currency at its branches, but that is a separate price for people who already hold dollars.
Interbank, Open Market and the Rate Your Family Gets
In Pakistan, you will see two reference prices for the dollar. The interbank rate is what banks use between themselves. The open market rate is what exchange companies charge for cash, and it is usually a little higher. Each bank, HBL included, sets its own counter prices around them.
None of these is the rate of a remittance. With a Sharemoney deposit, your family receives rupees at the rate you saw before paying.
The State Bank of Pakistan publishes reference exchange rates every banking day.
How Much Your Family Receives in a HBL Account
These examples use Sharemoney’s rate for bank deposits to HBL on November 9, 2026. The money arrives in Pakistani rupees.
| You send | Your family receives (standard 274.94) | Your family receives (first transfer 280.71) |
|---|---|---|
| $100 | 27,494.04 PKR | 28,071.41 PKR |
| $200 | 54,988.08 PKR | 56,142.82 PKR |
| $300 | 82,482.12 PKR | 84,214.23 PKR |
| $500 | 137,470.20 PKR | 140,357.05 PKR |
How to Send Money to a HBL Account in 5 Steps
- Download the Sharemoney app and create your account with your phone number.
- Choose Pakistan and select Bank Deposit as the delivery method.
- Pick HBL and enter the account number or IBAN and the full name of the account holder.
- Enter the amount in dollars and check the exact rupees before you pay.
- Pay with your debit card, credit card or bank account and track the deposit in the app.
See deposit details on the Sharemoney HBL page. Sharemoney also pays cash at HBL branches. For the full process, read how to send money to Habib Bank from the USA.
Compare the Dollar Exchange Rate at HBL Before You Send
| Provider | Fee | Exchange rate | Your family receives |
|---|---|---|---|
| Remitly | $0.00 | 275.70 | 68,925.00 PKR |
| Ria | $0.00 | 274.56 | 68,638.82 PKR |
| Sharemoney | $0.99 | 274.94 | 68,462.91 PKR |
| Western Union | $1.99 | 269.33 | 66,796.68 PKR |
The rate your family gets on a transfer to HBL depends on the company that sends it. Rankings change during the day, which is why the table shows the date and time each rate was collected.
What Your Family Needs to Receive the Deposit
- An active HBL account in Pakistani rupees.
- The account number or IBAN, which appears in the bank’s app and on the statement.
- The account holder’s full name and CNIC, written the same way the bank has them.
The 1% Remittance Tax and How to Avoid It Legally
Since January 1, 2026, the USA charges a 1% federal excise tax on remittances paid in cash, by check or by money order. Transfers paid with a debit card, credit card or US bank account are exempt. The IRS explains the excise tax rules in Publication 510. Sending to HBL from an app with your card keeps that 1% in your family’s pocket.
Frequently Asked Questions
What is the dollar exchange rate at HBL today?
For a Sharemoney deposit to HBL, the rate is set when you send. On November 9, 2026, Sharemoney pays 274.94 rupees per dollar (280.71 on a first transfer). For cash at a branch, HBL sets its own buying price.
What is the difference between the interbank and the open market rate?
The interbank rate is the price banks use between themselves. The open market rate is the price for cash at exchange companies, and it is usually slightly higher.
How long does a deposit to HBL take?
Deposit times vary by bank and by the time of day, and the app shows the expected arrival time before you pay. A first transfer or a large amount can take longer if an extra identity check is needed.
How much does it cost to send money to HBL?
With Sharemoney, a bank deposit to Pakistan costs $0.99. Your first transfer has no fee and a better rate, up to $500 with a debit card. Credit cards add 3%.
Get the Real Dollar Exchange Rate at HBL with Sharemoney
So your family gets more at HBL, compare the rate and the fee before you send. Interbank and counter prices do not decide what your family gets from a remittance to HBL. The rate and fee in the app do, and you see both before you pay. See every option on the Sharemoney Pakistan page.
Related reading: USD to PKR exchange rate guide · How to send money to Pakistan from the USA
