یونائیٹڈ بینک لمیٹڈ

United Bank Limited (UBL) Pakistan offers a comprehensive range of financial products. These services cater to individuals, SMEs, and corporate clients. The bank integrates both conventional and Shariah-compliant solutions.

Conventional Banking Services

UBL provides various current accounts. The Mukammal Current Account has no minimum balance. It allows instant cheque-book issuance via UBL Omni App. The Urooj Account offers tiered profit rates on PKR 200,000 minimum quarterly balance. It also provides free instant ATM withdrawals. The Asaan Current Account enables fully paperless opening through biometric verification. Real-time SMS alerts cover every transaction. The Asaan Digital Current Account opens via the UBL Digital App in under 3 minutes. IBFT limits reach PKR 500,000 daily.

Savings options include the UBL Mahana Aamdani Savings Account. It features monthly profit credit. Profit distribution follows SBP's PLS matrix. The UBL Zindagi Account has no profit cap. It offers free life insurance cover up to PKR 250,000. The UBL First Minor Savings Account is for ages birth to 18. It includes a nominee-linked Rupee investment certificate. The Asaan Savings Account requires zero minimum balance. It provides instant pass-book delivery via UBL Omni.

UBL offers diverse term deposits. The UBL Rupee Term Deposit has flexible tenors from 1 to 12 months. Auto-rollover instructions are available via the UBL Omni portal. The UBL Foreign Currency Term Deposit supports USD, GBP, and EUR. It allows auto-remittance of principal plus profit upon maturity. The UBL Floating Term Deposit links to 6-month Kibor plus a spread. Early withdrawal incurs a 50% penalty on accrued profit. Consumer finance products are also available. UBL CashPlus offers instant overdrafts up to PKR 100,000. It auto-links to the Mukammal Current Account. The UBL Secured Personal Loan provides collateral-backed loans up to PKR 5 million. Its pricing is Kibor-plus. UBL Drive (Auto Finance) offers up to 80% financing of on-road vehicle price. Tenor extends up to 5 years.

Card products include the UBL Credit Card series (Classic, Gold, Platinum). These are EMV chip & PIN enabled. Online-spend monitoring is available via the UBL Apple Watch App. The UBL Debit Card series provides instant virtual card issuance. It supports contactless Tap & Pay up to PKR 5,000 per transaction. The UBL Omni Debit Card integrates with the Omni wallet. It facilitates QR-based merchant payments. Branchless and digital banking is also provided. The UBL Omni Account enables agent-based cash in/out at 15,000+ UBL Dukan outlets. Real-time reconciliation occurs via the UBL Omni Portal. The UBL Tezraftaar Asaan Digital Account offers instant e-KYC through NADRA integration. It has a daily transfer limit of PKR 100,000. The UBL Digital Account features fully online account opening. It includes integrated IBAN generation.

Islamic Banking and Business Solutions

UBL offers Shariah-compliant Islamic banking under the Ameen brand. The UBL Ameen Current Account is zero-balance. It allows unrestricted self-service IBFT. The UBL AlAmeen Savings Account operates on a 50:50 profit-sharing ratio with SBP. It provides free Takaful coverage up to PKR 200,000. The AlAmeen Islamic Cash Plan is an AAOIFI-compliant money-market fund. It calculates dividends daily. The AlAmeen Islamic Regular Income Plan distributes profits monthly. The minimum investment is PKR 5,000. Ameen Banca Takaful embeds Takaful cover with deposits. Annual premiums deduct from the profit share.

SME finance products support various businesses. The UBL Karobar Loan is collateral-free up to PKR 1 million. Its repayment tenure is up to 5 years. The UBL Sahulat Loan provides working capital for retailers. Disbursement occurs via Omni outlets within 24 hours. The UBL Rice Husking Loan offers pre and post-harvest financing. It uses SBP's subsidized rate plus 2%. The UBL Cotton Ginning Loan has a seasonal tenor. Its profit rate is fixed at %.

Corporate banking services cater to larger entities. The UBL Corporate Term Finance Certificate (TFC) has a tenor of 3-7 years. Listing on the Pakistan Stock Exchange is permitted. UBL Trade Finance includes Letters of Credit (Sight & Usance) with SWIFT MT700. Standby LC issuance takes under 4 hours. UBL Receivable Discounting uses endorsement via TR-1. It advances up to 85% of invoice value. The UBL Cash Collection Solution offers remote deposit capture via a web-portal. A 24-hour cut-off applies for same-day credit.

Specialized Services and Technology

Transaction and treasury services are also available. Raast Instant Payment System offers real-time interbank settlement. It provides 24x7 availability. The UBL Internet Payment Gateway supports tokenization. It includes 3D-Secure for e-commerce. UBL SoftPOS & mPOS enable merchant-app-based EMV acceptance. They use Bluetooth/Audio-jack connectivity. UBL Treasury-FX Spot & Forwards allow online FX booking via UBL Direct. Hedging is available through plain-vanilla options.

Investment, wealth, and fund management solutions are offered. UBL Fund Managers (UBL FM) provides mutual funds. The UBL Liquidity Plus Fund has a daily NAV. Minimum subscription is PKR 5,000. The UBL Special Savings Plan-V includes a capital-protected tranche. It offers quarterly profit resets. The UBL Money Market Fund is 100% short-term by regulation. It provides weekly liquidity. Signature Priority Banking offers a dedicated Relationship Manager with Bloomberg terminals. It requires a minimum quarterly balance of PKR 3 million. Structured Products include capital-protected notes linked to the KSE-100 index. These carry a 100% principal guarantee by UBL.

Remittance and NRP services connect overseas Pakistanis. NRP Direct offers instant onboarding for overseas Pakistanis. It facilitates IBAN-based outward remittance. The Roshan Digital Account allows direct investment in government securities. A 25% profit repatriation limit applies per SBP regulations. UBL also deploys unique technologies. The UBL Omni Dukan Network has over 15,000 retail agents. It enables full-spectrum banking without branches. UBL Apple Watch Banking is a first in Pakistan. It offers secure balance inquiry and remote card blocking. UBL Temenos Corporate Loan Origination provides an end-to-end digital workflow for corporate lending. Omni Biometric Cash-in/out uses fingerprint authentication. This is via UBL's proprietary integration with NADRA.