Frequently Asked Questions

HBZweb Banking      HBZwap Banking      HBZgsm Banking

HBZweb Banking
What is Web Banking?
Web banking allows you to check your account(s) details and carry out transactions in your account(s) via internet.

 
What kind of information I can access via Web Banking?
You can access balance information and statement of transactions of all your accounts. Also, you can access additional information on special type of accounts. For instance, you can access the current Outstanding Letter of Credits in your Letter of Credit accounts which includes all the details of Letter of Credits. Similarly, if you have a term deposit (time deposit) account, you can access interest rate, maturity date etc for the active deposits.

 
Which accounts are accessible to me?
Current, Call Deposit, Time Deposit, Trust Receipt(TR), Foreign Inward Documentary Bills for Collection(FIDBC), Foreign Bills Purchased(FBP), Foreign Bills for Collection(FBC), Delivery Orders, Letters of Credit(LC) and several other accounts can be accessed.

 
What kind of transactions I can do via Web Banking?
You can order cheque books, send/receive secured mail, subscribe to other banking services etc.

 
What hardware/equipment is required?
You can use any computer to access this service via any web browser which supports SSL. For higher grade security, we recommend browsers with 128 bit SSL, such as Netscape Navigator 4.0 or higher or Microsoft Internet Explorer 4.0 or higher. There is no restriction on the type of computer or operating system you use.

 
How do I enroll for Web Banking?
You may enroll by clicking e-registration or visit any of our branches in UK where we offer this service. For more information, you may call us at +44 (0) 207 452 0218.

 
Which are the countries where this service is available?
Currently, it is available only to UAE and UK customers. However, other countries will be added soon.

 
How current is the statement information?
The statement information is current as of the latest posting and displays all activities conducted through the Bank, on a real time basis.

 
Will I still receive my statement(s)?
Yes, as always, a statement will be mailed to you for your records.

 
How much does it cost?
Web banking service is free.

 
How secure is Web Banking?
An outstanding feature of our Web Banking is it's multiple security levels. Habib Bank AG Zurich uses a combination of the latest security technology to protect data. It features password control entry, Comtrust issued digital ID for the on-line service, Secure Socket Layer protocol (SSL) for data encryption for higher grade security, state-of-the-art firewall protection and unique login name and password. See also the FAQs on security.

 
What if I feel that someone has obtained my Password information or if I lose my Password?
In that case you must immediately inform your Branch, so that necessary action can be taken. If you have access to internet, login via a browser or WAP device and change your password as soon as possible. Your access will be automatically blocked if you enter wrong password three times in a row. So, you can lock access by deliberately entering wrong password thrice!

 
What if I forget my password?
If you forget your password, you can inform your branch about it. After obtaining all the necessary information and cancellation of the old Password, a new Password will be issued to you.

 
How much past account information is available?
Your account statements are available from 1999 to date.

 
How do I look for an old transaction?
Just click on the account number you want to view and then keep on scrolling by pressing "Previous" button till you get to the date and transaction you are looking for. You may also directly enter the date for which you want to view the transactions.

 
When can I collect a cheque book ordered via internet?
You may collect it from your branch after 48 hours, by verifying your identity.

 
When I try to log on to Web banking, I receive the following message: "Password not activated"?
If you receive this message, please contact your branch and allow up to 24 hours for the Password to be activated.

 
Why did the computer system logs me off without my request?
For security purpose your session will automatically end after a pre-determined period of inactivity.

 
How do I know that the browser I am using is operating with security feature i.e. 128 bit SSL?
To confirm your security feature, your Uniform Resource Locator (URL) should show https address instead of http. (s) is added to http, and it stands for Security.
  • In Microsoft Internet Explorer a yellow security lock will appear in the lower right hand corner. Microsoft Internet Explorer does not distinguish between 40 bit and 128-bit encryption on the browser screen.
  • In Netscape Navigator, or Communicator, a key will appear on the left hand corner. In Netscape Navigator 4.0, you may click on the icon to determine which level of encryption is being used for a particular web page. Always use the latest version of a browser for highest level of security.
 
What if I have more questions, whom shall I call?
You can e-mail all your queries by clicking Mail or you may call + 44 (0) 207 452 0218.

 

HBZwap Banking
What is WAP?
The Wireless Application Protocol (WAP) is an open global specification that empowers mobile users with wireless devices to easily access and interact with information and service instantly. WAP includes a specification called WTLS that implements options for authentication and encryption. It is optimized for use in the mobile phone environment.

 
What is WAP Banking?
WAP banking allows you to check your account(s) details and carry out transactions in your account(s) via WAP enabled devices like mobile phones, PDAs etc.

 
I have not subscribed for WAP services with any WAP service provider. Is it necessary to do it to access your WAP Banking services?
No. However, you need internet access. Habib Bank AG Zurich is the first bank to introduce WAP Banking in the Middle East. We have set up our own WAP services and it does not depend on any other service provider.

 
My country does not have any provider for WAP services. Does it restrict me from using your WAP Banking services?
(See the answer above)

 
What are the various services offered via WAP Banking?
Theoretically, you can get whatever services you get via our Web Banking. However, WAP devices have much smaller screens and it is very cumbersome to use services like opening Letter of Credits etc. on a WAP device. Since, we do not distinguish between Web and WAP services from the service point of you, you can apply all relevant information given about Web Banking services to WAP Banking services also. (Please read FAQs on Web Banking).

 
What hardware/equipment is required?
You can use any WAP device such as mobile phones or PDAs to access this service via any WML browser which supports WTLS. For higher grade security, we use WTLS with 128 bit encryption to transport information to your device. So, your WAP device should support WTLS security with 128 bit strong encryption.

 
I have a WAP enabled mobile. But, I am not able to connect to your WAP Banking service. What is the problem?
You make sure that your mobile is set up with correct information to connect to Habib Bank AG Zurich's WAP Banking services. (See the next question). In the market, a lot of mobile manufactures claim that they support WAP on their mobiles. But, only very few of them support 128 bit WTLS for security.

 
How do I set up my WAP device for WAP Banking?
If your device is a wireless device such as a mobile phone, make sure that your mobile provider has enabled data communication feature on your SIM card. (Some mobile providers do it automatically when they issue a SIM card). Then, refer to the manual of your device to setup the service. The following information may be necessary to set up the device. Please note that setup procedure varies from one device to another device and all the information provided here are not asked. If you can not access our WAP Banking service via any of the WAP enabled device with 128 bit WTLS, please call us at +44 (0) 207 452 0218 or send a mail.
  • Homepage => https://habibbank/
  • Please do not forget to enter the ending slash. Devices such as "Nokia" mobile phones require such an ending slash
  • Connection type => Continuous
  • Connection security => On
  • Bearer => Data
  • Dial-up number => Your internet dial-up number
  • IP address => 213.42.106.72
  • Authentication type => Normal
  • Do not select "secure" option here. It can be selected only if your mobile internet provider supports it. However, this security is only for your access to the internet and it does not affect the WAP Banking security
  • Data call type => Analogue
  • You may select ISDN if your internet provider supports it
  • Data call speed => Autobauding
  • If you have selected data call type as ISDN, select an appropriate speed here
  • User name => Your internet user ID
  • Do NOT enter your Web or WAP Banking user ID here
  • Password => Your internet password
  • Do NOT enter your Web or WAP Banking password here
 
How do I enroll for WAP Banking?
If you are already a Web Banking user, there is no need to get another login/password for WAP Banking. You may use the same login/password to do WAP Banking too.
If you are a not yet a Web or WAP Banking user, you may enrol by clicking e-registration or visit any of our branches in UK where we offer this service. For more information, you may call us at +44 (0) 207 452 0218.

 
How much does it cost?
WAP banking service is free.

 
How secure is WAP Banking?
An outstanding feature of our WAP Banking is it's multiple security levels. Habib Bank AG Zurich uses a combination of the latest security technology to protect data. It features password control entry, 128 bit strong key certificates, Wireless Transport Layer Security (WTLS) for data encryption for higher grade security, state-of-the-art firewall protection and unique login name and password. See also the FAQs on security.



Please read FAQs on HBZWeb Banking too!
 

HBZgsm Banking
What is GSM?
GSM is a technology used by mobile phones and mobile service providers for communication. GSM supports SMS (Short Message Service), a technology used to send and receive short messages between mobile devices and mobile servers.

 
What is GSM Banking?
GSM banking allows you to receive your account information from your bank as SMS messages. So, it is a push technology. That means, a message will be pushed to your mobile phone whenever an event of interest happens. It can also be used as a pull technology. When used that way, a SMS message containing a key word is sent to the bank to pull information or carry out a transaction.

 
What kind of information I can get via GSM banking?
Account closing balance, any transaction, cheque payment details, cheque return details, etc. The service can be personalized to receive only selected type of transactions with desired range of transaction amount.

 
How fast I can get the information when a subscribed event happens?
Within 20 to 40 seconds. However, this can not be guaranteed since it really depends on the operator of the mobile network who finally delivers it to your GSM device.

 
What will happen if I switch off my GSM phone or go to an area where no mobile coverage is available?
Messages will be queued up for some time. If the mobile phone can not be reached for an extended period of time, message sending will be stopped.

 
What kind of transactions I can carry out via GSM Banking?
We do not support transactions (and pull technology) in our GSM Banking because of security concerns. GSM messaging systems are not secured and is network dependent. In order to carry out transactions from your mobile phone, PDA or computer, please use our secured WAP or Web Banking service.

 
I do not have a mobile with subscription in the country where the bank is located. Can I still subscribe to GSM Banking?
Yes. Our GSM Banking serves to more than 80 countries, such as; Andorra, Azerbaijan, Australia, Austria, Bahrain, Belgium, Bosnia Herzegovina, Brunei, Bulgaria, Canada, Chile, China, Croatia, Czech Republic, Denmark, Egypt, Estoria, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Guerney, Hong Kong, Hungary, Iceland, India, Israel, Italy, Ivory Coast, Japan, Jordan, Kuwait, Lebanon, Liechtenstein, Lithuania, Luxembourg, Macao, Macedonia, Malaysia, Malta, Morocco, Montenegro, Namibia, Netherlands, New Zealand, Norway, Oman, Philippines, Poland, Portugal, Rumania, Russia, Saudi Arabia, Serbia, Singapore, Slovakia, Slovenia, Sri Lanka, Sweden, Switzerland, South Africa, Spain, Taiwan, Thailand, Turkey, Tunisia, Ukraine, United Arab Emirates, United Kingdom, United States of America, Yugoslavia & Zimbabwe.

 
How much does it cost?
A cost of 0.10p or equivalent is charged per message.

 
Do you charge extra to receive international messages when I am travelling with a mobile having roaming service?
No.

 
Do you charge extra to receive messages to my country where you do not have branches?
No.