Introduction to HBZweb

In today’s globalised environment we are always on the move whether its meeting clients, suppliers, manufacturers, employees, friends, family, on holiday, etc. With all this to do, we still have to fullfil our constantly changing banking needs.

Habib Bank AG Zurich (HBZ) recognizes these challenges and has extended an extensive suite of its services onto a secure online platform without compromising its rigorous compliance and security standards.

Thus manage your finances from the comfort of your desk or while on the move.

HBZweb offerings

HBZweb enable you to save time and cost with it’s unmatched products and services offerings - including over 100 different online banking services available, as highlighted below:

  • 3rd Party & Internal Fund Transfers - make local/foreign remittances securely at your convenience.
  • HBZeLC - manage your trade finance activities online including Trust Receipt payments & Document Settlements.
  • HBZtrade & HBZefx- trade in major stock/security markets and forex currencies in real-time.
  • HBZwps & HBZpay - manage & pay your staff salaries seamlessly through the UAE payment network.
  • HBZeLocker - store sensitive data using strong encryption algorithms.
  • HBZweb Management - multiple log-in management allowing controlled access to multiple authorised users.
  • SMS Alerts - receive SMS alerts for choosen transactions by virtue of this event-driven push banking service.
  • HBZeStatement & eAdvice - receive your statement of accounts, advices, etc via secure email.
  • Download/View Statement - view & download real-time account history in either Excel™/XML.
  • Card Management - view & manage your HBZ Cards online.
  • View Accounts & Transactions - view all your accounts details & banking activities centrally.
  • Bill Payment - pay your Etisalat & Dewa bills with ease.

HBZweb Security features

In its continued efforts to further enhance security while logging in to HBZweb, HBZ offers its clients multiple levels of security for accessing and transacting online. Some security features such as receiving an SMS every time your account is accessed or entering a challenge are set as defaults whilst others are required for certain types of transactions and/or are optional.

HBZweb customers are offered four levels of security to protect their information and puts the power of access only in the hands of the user. You choose the level and complexity of your security, so you are assured of a secure banking session. Be sure to read the Security Advisory on the login page for complete details.

  • HBZ Authenticator - a program that locally runs on your Smartphone to generate 6-digit random code to verify customer identity by providing additional layer of security for HBZweb. Basically, this two-factor authentication security based on Time-Based One-Time Password (TOTP) prevents unauthorized access to the account - even in the case of compromised password.
  • HBZchallenge Mechanism - a security check based on challenge-response system that dynamically generates 5-digit challenge code (also known as captcha) embedded in a graphic, which is only visible to human eye. This differentiates humans from robotic software programs to deter spammers and hackers.
  • HBZsecure Key - a security key comes on an external media like CD or FDD, which is specially configured for the customer account with a Very Long Variable Password (VLVP).
  • HBZotp (One-Time Password) - a computer generated 6-digit code for a single-use with limited expiry sent to the registered mobile number of the user to login or to perform critical transactions on HBZweb. This two-factor authentication feature offers additional layer of security to protect the digital identity of the end users.

Each HBZweb related tasks, from setup to login and from viewing statements/reports to performing transactions are explained in the coming chapters in detail.