LADIES & GENTLEMEN, this message is to inform you that there's NO problem at all with HBL while receiving payment from upwork here in Pakistan. I've been using HBL (the only bank account I have) for more than 1 year and I've withdrawn more than $1000.
I withdrew more than $40 a couple of weeks ago and it reached in my account within 6 hours (during working days).
Everything is Perfectly fine. Those of you who are thinking of adding HBL in your payment method, yeah! Go ahead and do that!
As far as currency conversion charges are concerned, I get Rs. 500 (probably upwork deducts this) deducted from my withdrawal amount. That's it.