How HBL Transfer works here
We treat HBL Transfer as a checked bank-to-account route, not a loose receipt upload. You send PKR from your HBL account, keep the reference, and submit the sender name exactly as it appears. Our cashier team checks the amount, time stamp and w44 account ID before marking the balance. If the HBL app shows a pending state, we wait for the bank
record before changing your account status.