Pay Your Electricity Bill With HBL — Mobile App, Konnect, ATM & Online Portal

Four Ways to Pay Your Electricity Bill With HBL

HBL is Pakistan's largest bank by branch network — over 1,700 branches and 2,000+ ATMs nationwide — and it offers more ways to pay a utility bill than almost any other bank. Whether you're an HBL account holder, a Konnect wallet user, or don't bank with HBL at all, there's a route that works for you. This guide covers all four: HBL Mobile app, Konnect by HBL, HBL ATMs, and the HBL Pay Billing Portal — the last of which doesn't require an HBL account at all.

Method 1: Pay Bills Using HBL Mobile App (For HBL Account Holders)

Best for HBL customers who want full control, saved billers, and instant SMS receipt.

Step 1 – Download & Log In to HBL Mobile

• Download the HBL Mobile app from Google Play or App Store.
• Open the app and log in with your user ID and password/MPIN (as set up during registration).

Step 2 – Go to “Payments” → “Bill Payment”

From the home screen:

• Tap “Payments” (or the Payments icon).
• Then tap “Bill Payment” or “Utility Bills”.

Step 3 – Select Bill Type

Choose the type of bill you want to pay:

• Electricity (LESCO, FESCO, MEPCO, GEPCO, PESCO, HESCO, QESCO, TESCO, HAZECO, SEPCO, IESCO — or K-Electric.)
• Gas (SSGC, SNGPL)
• Water (WASA, etc.)
• Internet / Broadband (PTCL, StormFiber, etc.)
• Telephone (Landline)
• Mobile Postpaid

Step 4 – Select Company / Biller

From the list, select your specific company, for example:

• K‑Electric, PESCO, HESCO, QESCO, TESCO, HAZECO, LESCO, FESCO, IESCO, MEPCO, etc.
• SNGPL, SSGC for gas
• PTCL, StormFiber, etc.

Step 5 – Enter Reference / Account / Consumer Number

• Enter your 14‑digit reference number (for most DISCOs) or 13‑digit account number (for K‑Electric), or the consumer number shown on your gas/water/PTCL bill.
• Tap “Next” or “Fetch Bill”.

The app will fetch your bill details from the biller’s system.

Step 6 – Review Bill Details

Check on screen:

• Consumer name
• Bill amount
• Due date
• Billing month (if shown)

If anything looks wrong, do not proceed. Compare with your printed bill or re‑check the reference number.

Step 7 – Enter Amount and Confirm Payment

• Enter the amount you want to pay (usually the full “amount due”).
• Select the account from which to debit (if you have multiple accounts).
• Tap “Proceed” or “Pay Now”.

Step 8 – Authorise with OTP / MPIN

• You’ll receive an OTP via SMS on your registered mobile number.
• Enter the OTP (and/or your MPIN if required).
• Tap “Confirm”.

Step 9 – Save Your Receipt

• After successful payment, you’ll see a confirmation screen with:
  • Transaction ID / Reference
  • Amount paid
  • Date & time
• You’ll also receive an SMS receipt from HBL.
• Save a screenshot or download the receipt from the app for your records.

Method 2: Konnect by HBL (No Bank Account Needed)

Konnect is HBL's branchless banking wallet — your mobile number becomes your account number, and you don't need a traditional HBL bank account to use it.

1. 1️⃣ Open the Konnect by HBL app and log in (or register with just your CNIC and PTA-registered mobile number if you're new).
2. 2️⃣ Tap Payments, then select the utility bill option.
3. 3️⃣ Choose Electricity, then your DISCO or K-Electric.
4. 4️⃣ Enter your reference number and confirm the loaded bill amount.
5. 5️⃣ Authorize the payment with your PIN.
6. 6️⃣ Check your Konnect-registered mobile number for a confirmation SMS from 8425 — this is your official proof of payment.

Good for: anyone who wants HBL's reliability without opening a full bank account, or who prefers a lighter, wallet-style app similar to JazzCash or Easypaisa.

Method 3: HBL ATM

A solid option if you have an HBL debit card and prefer a hands-on, in-person method without visiting a teller.

1. 1️⃣ Insert your HBL debit card at any HBL ATM (there are over 2,000 nationwide) and enter your PIN.
2. 2️⃣ Select Bill Payment or Utility Bills from the ATM menu.
3. 3️⃣ Choose Electricity, then your DISCO or K-Electric.
4. 4️⃣ Enter your reference number using the ATM keypad.
5. 5️⃣ Confirm the amount shown on screen.
6. 6️⃣ Complete the payment and take the printed receipt — keep it as your proof of payment.

Tip: This method is especially useful outside regular banking hours, since ATMs are accessible 24/7 even when branches and customer service lines are closed.

Method 4: HBL Pay Billing Portal (No HBL Account Required)

This is HBL's most flexible option — you don't need to be an HBL customer at all, and it works from anywhere in the world using just a debit or credit card.

1. 1️⃣ Visit the HBL Pay Billing Portal and register with your basic details.
2. 2️⃣ Select Electricity from the bill categories (the portal covers 100+ payment partners across multiple categories, not just utilities).
3. 3️⃣ Choose your DISCO or K-Electric, then enter your reference number.
4. 4️⃣ Enter your debit or credit card details to complete the payment — any Pakistani or, in many cases, international card is accepted.
5. 5️⃣ You'll receive a confirmation on-screen and via email or SMS depending on your registered contact details.

Especially useful for: overseas Pakistanis paying a family member's electricity bill back home, or anyone who banks with a different institution entirely but wants a quick, reliable online option.

Which HBL Method Should You Use?

HBL Bill Payment Charges & Limits

• Service charge: HBL typically does not charge extra for utility bill payments via HBL Mobile, Internet Banking, or HBL Pay Portal (standard biller rules apply). Some specific billers or card types may have their own charges; always check the fee schedule on HBL’s website/app.
• Transaction limits:
  • Depend on your account type, channel (app/internet/ATM), and security settings.
  • Typical daily limits for bill payments via HBL Mobile/Internet Banking can range from Rs. 50,000 to several hundred thousand, depending on your profile and device binding.

Always check your current limits in HBL Mobile → Settings/Profile → Limits or on HBL’s website.

Quick Summary: Paying Your Bills via HBL

• HBL Mobile App: Log in → Payments → Bill Payment → select biller → enter reference → fetch bill → confirm → OTP/MPIN.
• HBL Pay Portal: Register/login → select utility bill → choose biller → enter reference → pay via card or partner bank/wallet.
• Internet Banking: Log in → Payments → Bill Payments → select biller → enter reference → confirm → OTP/token.
• Branch/ATM: Visit HBL branch/ATM with bill/reference → pay in cash/card → get stamped receipt.

All methods are secure, and give you a digital/SMS/printed receipt for proof.