{"id":2309,"date":"2026-11-07T19:26:53","date_gmt":"2026-11-07T19:26:53","guid":{"rendered":"https:\/\/blog.sharemoney.com\/post\/dollar-exchange-rate-at-hbl\/"},"modified":"2026-11-09T17:18:26","modified_gmt":"2026-11-09T17:18:26","slug":"dollar-exchange-rate-at-hbl","status":"publish","type":"post","link":"https:\/\/www.sharemoney.com\/blog\/post\/dollar-exchange-rate-at-hbl\/","title":{"rendered":"Dollar Exchange Rate at HBL Today: Rates & Tips"},"content":{"rendered":"\n%%SMX_CARD|PK|HBL|deposit%%\n\n\n\n

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 %%SMX_PK_DATE%%, Sharemoney pays %%SMX_PK_RATE%% rupees per dollar, or %%SMX_PK_PROMO%% on a first transfer.<\/p>\n\n\n\n

HBL also buys and sells foreign currency at its branches, but that is a separate price for people who already hold dollars.<\/p>\n\n\n\n

Interbank, Open Market and the Rate Your Family Gets<\/h2>\n\n\n\n

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.<\/p>\n\n\n\n

None of these is the rate of a remittance. With a Sharemoney deposit, your family receives rupees at the rate you saw before paying.<\/p>\n\n\n\n

The State Bank of Pakistan<\/a> publishes reference exchange rates every banking day.<\/p>\n\n\n\n

\"Pakistani<\/figure>\n\n\n\n

How Much Your Family Receives in a HBL Account<\/h2>\n\n\n\n

These examples use Sharemoney’s rate for bank deposits to HBL on %%SMX_PK_DATE%%. The money arrives in Pakistani rupees.<\/p>\n\n\n\n

You send<\/th>Your family receives (standard %%SMX_PK_RATE%%)<\/th>Your family receives (first transfer %%SMX_PK_PROMO%%)<\/th><\/tr><\/thead>
$100<\/td>%%SMX_PK_R100%% PKR<\/td>%%SMX_PK_P100%% PKR<\/td><\/tr>
$200<\/td>%%SMX_PK_R200%% PKR<\/td>%%SMX_PK_P200%% PKR<\/td><\/tr>
$300<\/td>%%SMX_PK_R300%% PKR<\/td>%%SMX_PK_P300%% PKR<\/td><\/tr>
$500<\/td>%%SMX_PK_R500%% PKR<\/td>%%SMX_PK_P500%% PKR<\/td><\/tr><\/tbody><\/table>
Bank deposit fee: $0.99. Your first transfer has no fee and a better rate, up to $500 with a debit card.<\/figcaption><\/figure>\n\n\n\n

How to Send Money to a HBL Account in 5 Steps<\/h2>\n\n\n\n
    \n
  1. Download the Sharemoney app and create your account with your phone number.<\/li>\n\n\n\n
  2. Choose Pakistan and select Bank Deposit as the delivery method.<\/li>\n\n\n\n
  3. Pick HBL and enter the account number or IBAN and the full name of the account holder.<\/li>\n\n\n\n
  4. Enter the amount in dollars and check the exact rupees before you pay.<\/li>\n\n\n\n
  5. Pay with your debit card, credit card or bank account and track the deposit in the app.<\/li>\n<\/ol>\n\n\n\n

    See deposit details on the Sharemoney HBL page<\/a>. Sharemoney also pays cash at HBL branches<\/a>. For the full process, read how to send money to Habib Bank from the USA<\/a>.<\/p>\n\n\n\n

    Compare the Dollar Exchange Rate at HBL Before You Send<\/h2>\n\n\n\n%%SMX_PK_COMPARE%%\n\n\n\n

    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.<\/p>\n\n\n\n

    \"Pakistani<\/figure>\n\n\n\n

    What Your Family Needs to Receive the Deposit<\/h2>\n\n\n\n