Track Your HBL Spending Automatically
Pakistan's largest bank, now with automated AI expense tracking.
Upload your HBL Mobile or Internet Banking PDF statement and get an instant, privacy-first breakdown of your monthly spending in PKR.
How to Track Your HBL (Habib Bank Limited) Spending with Kepto
Three simple steps. No account linking or sensitive credentials required.
Download e-Statement
Export your monthly PDF or CSV statement from your official HBL (Habib Bank Limited) banking app or web portal.
Upload to Kepto
Drag and drop your statement file. Kepto reads the statement securely in seconds with zero password requirements.
Get Instant Clarity
See categorized spending (Food, Rent, Bills, Petrol), track personal transfers, and view your monthly net cash flow.
How to Download Your HBL (Habib Bank Limited) Statement PDF
Open HBL Mobile App
Log in to your HBL Mobile App and tap on your Primary Account card.
Select 'Account Statement'
Tap on 'Statement' or 'More Options' and choose the required date range (e.g. Last Month or Custom Dates).
Export & Upload to Kepto
Download the PDF to your phone or computer, then drop it into Kepto for instant categorization.
Why HBL (Habib Bank Limited) Users Prefer Kepto
Tailored for the Pakistani banking and economic landscape.
Pakistani Merchant Detection
Automatically tags Daraz, Careem, Bykea, Foodpanda, Shell, and K-Electric from HBL narration strings.
Personal Transfer Separation
Distinguishes between real living expenses and internal IBFT transfers between your own accounts.
Annual Tax & Zakat Readiness
Summarizes all HBL credits and deductible charity payments for easy FBR tax return filing.
Frequently Asked Questions for HBL (Habib Bank Limited) Customers
Does Kepto need my HBL login password or OTP?
No. Kepto operates on a strict zero-credential model. You only upload your exported PDF statement.
What if my HBL PDF statement is password protected?
If your HBL e-statement has a PDF password (usually your CNIC or date of birth), you can enter it securely during upload so our local parser can extract the text.