An exclusive service account designed for the high end customers that are influential and opinion leaders

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  • Opening balance of UGX 100,000,USD/GBP/EUR 100
  • No minimum balance for UGX,USD/GBP/EUR-20
  • Monthly management fees of UGX40,000/USD/GBP/EUR-15
  • 1 Free cheque book
  • Free internal standing orders
  • Access to insurance benefits (Travel insurance, critical illness cover, last expense benefit for account holders & family and hospital cash benefit)
  • Free enrolment on mobile and internet banking
  • Access to personal revolving overdraft
  • Access to loans of up to 200M unsecured at discounted rates
  • ATM withdraw limit of up to UGX 10M per day


  • Access to Pearl Banking service across branch network
  • Extended working hours to all our Pearl lounge Branches
  • Augmented services from partners like airlines, health clubs, hotels, major supermarkets and insurance companies
  • Pearl loans of up to 200 million shillings unsecured at discounted rates
  • Dedicated Personal Relationship officer
  • Preferential rates on foreign exchange and fast tracking of instructions processing
  • Free travel insurance cover for up to 5 free trips worldwide
  • Hospital cash benefit of upto 14 days spent in the hospital
  • Critical illness cover (Cancer, Stroke, Cardio-circular conditions, Major Organ Failure, Transplant and Major Burns)
  • Last expense benefit for account holders and family


  • Ugandan National ID (or passport for non-Ugandans)
  • 2 Passport size photographs

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    Please tell us about yourself


    As the leader in mortgage financing in Uganda, we enable you to realize their housing and financial aspirations.

    Savings Accounts

    Enjoy quality banking , we have a wide range of savings products tailored for all your savings needs.

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    You can access the cash you need for your personal growth with our Personal Loans.

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    The time is here for you to buy that dream home! Get a Home Loan, Growing House Loan, Incremental Housing Loan or a Land Loan to purchase or complete your residential property.

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    Enjoy quick and flexible banking with our Mobile Banking App

    With only a few taps, get all your financial needs fulfilled through the HFB mobile app. It brings you convenient, fast, and secure banking on the go.