How to Pay Electricity Bill Using HBL Mobile App

Paying your electricity bill online is quick and convenient with the HBL Mobile App, a secure and efficient banking platform offered by Habib Bank Limited (HBL) in Pakistan. Supporting major electricity providers like K-Electric, LESCO, FESCO, and MEPCO, the app allows you to settle bills from your smartphone without visiting a bank branch. This step-by-step guide, complete with detailed screenshot descriptions, explains how to pay your electricity bill using the HBL Mobile App.

How to Pay Your Electricity Bill Using HBL Mobile App

Why Choose HBL Mobile App for Bill Payments?

The HBL Mobile App offers several benefits for managing utility bills:

  • Convenience: Pay bills anytime, anywhere, without queues or paperwork.
  • Security: Transactions are safeguarded with MPIN, OTP, or biometric authentication.
  • Speed: Fetch and pay bills instantly using reference numbers.
  • Integration: Manage bills alongside other banking services like transfers and account monitoring.

Prerequisites

Before you start, ensure you have:

  • A registered HBL bank account or credit/debit card linked to the HBL Mobile App.
  • The HBL Mobile App installed from the Google Play Store or Apple App Store.
  • Sufficient balance in your HBL account or available credit on your linked card.
  • Your electricity bill with a 14- or 15-digit reference number (typically found in the middle of the bill).
  • A stable internet connection for app-based payments.

Step-by-Step Guide to Paying Your Electricity Bill Using HBL Mobile App

Follow these steps to pay your electricity bill through the HBL Mobile App. Each step includes a precise screenshot description to visualize the interface.

Step 1: Download and Log In to the HBL Mobile App

  1. Open the HBL Mobile App on your smartphone.
  2. Log in using your registered mobile number, MPIN, or biometric authentication (fingerprint/Face ID). If you’re not registered, sign up using your HBL account or card details via the app.

Step 2: Navigate to the Bill Payment Section

  1. On the home screen, tap the “Payments” or “Bill Payments” option, typically a prominent tile.

Step 3: Select Electricity Provider

  1. Choose “Utility Bills” or “Electricity” from the payment categories.
  2. Select your electricity distribution company (e.g., LESCO, FESCO, K-Electric, MEPCO) from the list or dropdown menu.

Step 4: Enter Bill Details

  1. Enter the 14- or 15-digit reference number from your electricity bill manually. (Note: The HBL Mobile App does not currently support barcode scanning for bill payments.)
  2. Tap “Fetch Bill” or “Next” to retrieve the bill details.

Step 5: Verify Bill Details

  1. Review the fetched bill details, including:
    • Consumer name
    • Due date
    • Bill amount
  2. Confirm that all information matches your physical or digital bill to avoid errors.

Step 6: Confirm and Pay

  1. Select your payment source (e.g., HBL savings account or linked card).
  2. Tap “Pay Now” or “Confirm” to proceed.
  3. Authorize the transaction using your MPIN, OTP, or biometric verification.
  4. Upon successful payment, you’ll receive an instant confirmation in the app and via SMS, including a transaction ID.

Step 7: Save the Receipt

  1. Screenshot or download the transaction receipt from the app for your records.

Alternative Methods

Paying via HBL Internet Banking (Web Portal)

If you prefer using a browser:

  1. Visit www.hblibank.com.pk and log in with your HBL credentials.
  2. Navigate to “Payments” > “Utility Bills” > “Electricity”.
  3. Select your provider, enter the reference number, and verify bill details.
  4. Choose your payment source, authorize with OTP or MPIN, and confirm.
  5. Save the digital receipt from the portal.

Paying Through an HBL Branch or ATM

For offline payments:

  1. Visit an HBL branch or ATM (locate one via the app or www.hbl.com).
  2. At the branch, provide your bill and pay via cash, cheque, or account debit. At an ATM, insert your HBL card, select “Bill Payments,” enter the reference number, and confirm.
  3. Collect a printed receipt from the ATM or branch staff.

Important Notes

  • Fees: HBL Mobile App payments are typically free for utility bills, but a small fee (e.g., Rs. 10-20) may apply for certain providers or ATM transactions. Check in-app for details.
  • Bill Limits: High-value bills (e.g., above Rs. 100,000) may require branch approval or splitting.
  • Timely Payments: Pay 1-2 days before the due date to avoid penalties, as provider updates may take up to 24 hours.
  • Supported Providers: Includes K-Electric, LESCO, FESCO, MEPCO, and most DISCOS. Verify your provider in the app.
  • Troubleshooting: If the reference number fails, check for typos or contact HBL support at 111-111-425 or via in-app chat.

Tips for a Smooth Experience

  • Verify Reference Number: Double-check the 14- or 15-digit number to avoid errors.
  • Ensure Sufficient Funds: Confirm your account or card has enough balance before initiating payment.
  • Set Reminders: Use app notifications or calendar alerts to pay bills on time.
  • Save Receipts: Store digital receipts for proof of payment.
  • Check for Offers: HBL occasionally offers discounts or cashback on bill payments—monitor the app for promotions.

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