Masareef مصاريف مصاريف Masareef

Log your HBL spending automatically

Masareef reads the payment alert the HBL app sends to your phone and logs every transaction in its own HBL wallet, with its amount, merchant and time. No typing.

Free · 25 automatic captures a month · No ads · Arabic and English

Masareef: your spending, logged on its own

What gets logged from HBL

  • Card payments in shops and online, in rupees or any currency you paid in.
  • Outgoing and incoming transfers, and ATM withdrawals.
  • Every transaction lands in its own category, and one tap changes it.
  • More than one card? Add each card's last 4 digits and every alert goes to that card's wallet.

An alert the app can't read clearly isn't lost: it waits for you to confirm it with one tap.

How to log HBL spending automatically

  1. Install Masareef from Google Play or the App Store, and create a free account to back up your records.
  2. On Android: open Masareef and allow "Notification access" once. After that it captures alerts even with the app closed.
  3. On iPhone: from iOS 27 add the ready-made automation in Shortcuts; from iOS 16.4 to 26 set up one automation for HBL texts (sender HBL) once.
  4. Make sure alerts from the HBL app are switched on on your phone: Masareef reads the alert you already receive and never contacts the bank.
  5. On the first transaction HBL sends an alert, and Masareef logs it with its amount, merchant and time.
  6. Wrong category? Open the transaction and change it, and turn on "Remember this merchant" so this merchant goes there from now on. An unclear alert waits in "To review" for one tap to confirm.

How it works with HBL

On Android

Let Masareef read notifications once. From then on every payment alert from the HBL app is logged on its own, even with the app closed.

On iPhone and iPad

On iOS 27 or later you add one ready-made automation in the Shortcuts app, and Masareef receives alerts from the HBL Mobile app, HBL text messages and Apple Pay alerts.

From iOS 16.4 to 26, SMS from HBL reach Masareef through an automation you set up once, and from iOS 17 a second one adds Apple Pay. The bank app's own alerts can't be read before iOS 27, so share the message with Masareef or paste it.

How Masareef recognises HBL

Name in Arabic
HBL
Android app whose alert is read
com.hbl.android.hblmobilebanking com.hbl.android.hblmobilebanking.islamic
iPhone app
HBL Mobile
SMS sender name
HBL
Names it recognises in the message
habib bank

The alert never leaves your phone

The HBL alert is read on your device and its text is never sent to any server. Masareef never asks for your bank password and never links your bank account.

  • No banking password
  • No link to your bank account
  • The alert is read on your phone only

Questions about HBL

Is Masareef part of HBL?

No. Masareef is an independent app, not affiliated with or endorsed by HBL. It reads the alert your phone already receives.

Do I have to enter my bank details?

No. No password, no account number, no link to the bank. The app only needs a free Masareef account, to back up your records.

Is the app free?

Yes, and the free plan is not a trial: everything you enter, your wallets and budgets, and 25 automatic captures a month. Pro raises that limit and adds features such as wallets in other currencies and a shared family record.

Does Masareef work with HBL on Android?

Yes. Once you allow notification access it reads the HBL app's alert (com.hbl.android.hblmobilebanking) and logs every transaction on its own, even with the app closed.

Does the HBL alert or my data leave my phone?

The alert text is never sent to any server; it is read on your device. Masareef never asks for a password and never links your bank account. The free Masareef account only backs up your records.

Which currencies does it log for HBL?

It logs each transaction in its amount, in rupees or any currency you paid in. Wallets in other currencies are a Pro feature.

Does Masareef read SMS from HBL?

On iPhone, yes: texts from the sender HBL reach Masareef through an automation you set up once in Shortcuts, from iOS 16.4. On Android it reads the HBL app's notification.

Does it work with HBL on iPhone?

Yes. iPhone needs iOS 16.4 or later, and you set it up once in the Shortcuts app. On iOS 27 it also reads alerts from the HBL Mobile app.

What about my other banks and wallets?

Masareef reads alerts from 1,200+ banks and wallets around the world, and each bank or wallet gets its own wallet in the app.

Other banks and wallets in Pakistan

Outside Pakistan

Start logging HBL spending automatically

Masareef is an independent app, not affiliated with or endorsed by any bank or wallet named here. It never asks for your banking password. Masareef download page