Interest Rate

Asaan Account

  • No minimum balance requirement

Asaan Digital Account

  • No minimum balance requirement

Freelancer Account

  • Non-remunerative (current account)

Feature

Mukammal Current Account

  • Free online banking. 
  • Free online withdrawal/deposit. 
  • Free first chequebook. 
  • Free ATM/debit card. 
  • Free pay order.  
  • Free account statement. 
  • Unlimited number of deposits and withdrawals

Good Citizen Account

  • Free duplicate account statement. 
  • UBL Go Green digital SMS alerts. 
  • Complimentary insurance of accidental death and disability up to PKR 2.5 million. 
  • Free debit card (excluding UBL Premium Plus Debit Card). 
  • 50% cashback on Inter Bank Funds Transfer (IBFT) via digital channels

Urooj Account

  • Free online banking. 
  • Free online withdrawal/deposit. 
  • Free online funds transfer within UBL. 
  • Free pay order. 
  • Free UBL Visa Urooj Debit Card with daily cash withdrawal limit of PKR 200,000 and POS shopping limit of PKR 300,000

Asaan Account

  • Option to open either a Current or Savings Account. 
  • No service charges for account opening or closing. 
  • Charges on Debit Card as per Schedule of Charges

Asaan Digital Account

  • Digital account opening without branch visit. 
  • Biometric verification at ATM – 24/7 banking with UBL Digital App & Netbanking. 
  • Free cheque book.
  • Debit Card issuance with charges as per Schedule of Charges

UniZar Foreign Currency Account

  • Available in USD, EUR, AED, GBP, and SAR. 
  • No restriction on the number of transactions.
  • Zakat exempted.

Freelancer Account

  • Account opened along with Exporter’s Special Foreign Currency Account (ESFCA). 
  • Available in multiple currencies: USD, GBP, EUR, AED, SAR. 
  • Simple account opening documentation – Free general banking services. 
  • Tax facilitation. 
  • Discounts on co-working spaces. 
  • Free Takaful coverage (Mobile, Laptop, Wallet & Health). 
  • Discounts on auto financing. 
  • Preferential foreign exchange rates. 
  • UBL Visa Freelancer Debit Card with daily cash withdrawal limit of PKR 200,000 and shopping limit of PKR 300,000. 
  • 24/7 banking with UBL Digital App & Netbanking

Eligibility Criteria

Mukammal Current Account

  • No account maintenance charges. 
  • Easy and flexible access to funds. 
  • Wide branch network for convenient banking

Good Citizen Account 

  • Encourages tax compliance by offering benefits to tax filers. 
  • Provides financial security through complimentary insurance. 
  • Enhances banking convenience with digital services and reduced transaction costs

Urooj Account

  • Tailored to support women’s daily financial needs and lifestyle enhancements. 
  • No account maintenance charges. 
  • Empowerment through financial independence and control over earnings and savings

Asaan Account

  • Simplified account opening process with minimal initial deposit. 
  • No maintenance charges, making it cost-effective. 
  • Flexibility to choose between Current or Savings Account based on individual needs

Asaan Digital Account

  • Simplified account opening process with no initial deposit. 
  • No maintenance charges, making it cost-effective. 
  • Convenient digital banking services accessible anytime

UniZar Foreign Currency Account 

  • Safe and secure foreign currency account. 
  • Flexibility for multiple transactions. 
  • No Zakat deduction.

Freelancer Account

  • Securely maintain foreign currency funds. 
  • Flexibility with multiple transactions. 
  • Cost savings with no cash handling charges. 
  • Religious compliance with Zakat exemption. 
  • Financial and lifestyle benefits tailored for freelancers

Benefits

Mukammal Current Account

  • No account maintenance charges
  • Easy and flexible access to funds. 
  • Wide branch network for convenient banking

Good Citizen Account 

  • Encourages tax compliance by offering benefits to tax filers.
  • Provides financial security through complimentary insurance. 
  • Enhances banking convenience with digital services and reduced transaction costs

Urooj Account

  • Tailored to support women’s daily financial needs and lifestyle enhancements.
  • No account maintenance charges. 
  • Empowerment through financial independence and control over earnings and savings

Asaan Account

  • Simplified account opening process with minimal initial deposit.
  • No maintenance charges, making it cost-effective.
  • Flexibility to choose between Current or Savings Account based on individual needs

Asaan Digital Account

  • Simplified account opening process with no initial deposit.
  • No maintenance charges, making it cost-effective.
  • Convenient digital banking services accessible anytime

UniZar Foreign Currency Account 

  • Safe and secure foreign currency account.
  • Flexibility for multiple transactions.
  • No Zakat deduction.

Freelancer Account

  • Securely maintain foreign currency funds.
  • Flexibility with multiple transactions.
  • Cost savings with no cash handling charges.
  • Religious compliance with Zakat exemption.
  • Financial and lifestyle benefits tailored for freelancers

For More Information

Mukammal Current Account

  • The account is designed to offer transactional flexibility to modern-day customers. For more details, visit the official UBL website. ubldigital.com

Good Citizen Account 

  • To avail product features, account holders must maintain a year-to-date (YTD) average balance of PKR 25,000 or above in their current account relationship balance.
  • The account is designed to reward individuals who contribute to the national economy by being tax filers.

Urooj Account

  • Available in Pakistani Rupees (PKR) only.
  • UBL Ameen Urooj Account offers a Shariah-compliant variant for women seeking Islamic banking solutions

Asaan Account

  • Monthly debit transaction limit: PKR 1,000,000.
  • Maximum credit balance limit: PKR 1,000,000.
  • Designed to promote financial inclusion with easy access to banking services

Asaan Digital Account

  • Free Takaful (Islamic) or Insurance (Conventional) coverage.
  • Available in both Islamic and Conventional banking variants

UniZar Foreign Currency Account 

  • Suitable for individuals needing foreign currency transactions.

Freelancer Account

  • For ESFCA account opening, please visit your nearest UBL branch.
  • Existing UBL PKR Freelancer account holders without ESFCA should visit their parent branch to avail ESFCA.
  • Debit card issuance charges as per Schedule of Charges.
  • For detailed information, refer to the Key Fact Sheet and Schedule of Charges available on UBL’s official website.