SOC - Jan June 11

Contents
DOMESTIC BANKING Page INTERNATIONAL BANKING Page
A. Remittances 01 A. Imports 23-24-25-26

B. Bills 02-03
B. Exports 26-27
C. Project Finance / Advances 03-04-05
D. Sale / Purchase of Securities, 05-06 C. Remittances 27-28-29
Safe Custody Articles in D. Miscellaneous 29-30
Safe Deposit & Safe Deposit Lockers
Important Notes 31
E. Guarantees 06-07
F. Local Trade Business 07-08-09
G. Miscellaneous Charges 09-10-11-12
UBL Signature - Priority Banking 13
Bank Charges for
Government Business 14
Branchless Banking 15
Consumer Banking 16-17-18-19-20-21-22-23
DOMESTIC BANKING
Particulars SL Code Charges Particulars SL Code Charges
A. REMITTANCES d) Cash Withdrawals
1) Cashier’s Cheque (Payble by: Drawer of Cheque)
a) Issuance of Cashier’s Cheque 0640-27 Rs.150/- Flat i) Within City Free
b) Cancellation of Cashier’s Cheque Rs.150/- Flat ii) Intercity 0.20%, Min. Rs. 300/-
Note:
c) Issuance of Duplicate Rs.150/- Flat 1. Where Online system is down, remittance may be sent by other means but
Cashier’s Cheque UniRemote charges will be recovered.
d) Issaunce of instrument for 0640-19 0.50% fees / dues or Rs. 25/- per 2. See Page 11 for waivers on Business Partner and Business Partner Plus Account.
payment of fees / dues in instrument, whichever in less. *OBC charges for Intercity UniRemote transactions would not apply
favor of Educational Institution 0640-27
** In addition to the charges above, all applicable Government levies will also be recovered.
HEC/Board etc.
4) DD/MT cancellation charges 0640-19 Rs.500/- (flat)
2) MTs 0640-26 0640-25
5) Issuance of SDR (Security Deposit Receipt) Free for A/c Holder.
a) Issuance of MTs 0810-01 0.10%, Min. Rs.100/- 0640-64
b) Telephone / Fax / 0800-02 Refer (G) Miscellaneous For Non A/C Holder Rs.300/-
Postage charges, etc. 0800-01 Charges (Domestic) Complete waiver on issuance of SDRs
valued Rs. 50,000/- and above on the
3) Inter Branch Online 0640-40 discretion of the Branch Manager.
Transactions- 6) Duplicate SDR / TDR / FDR issuance Rs.200/- (flat)
Both within City & Intercity charges 0640-64
a) Cash Deposits
(Payable by: Depositor) 7) Rupee Travelers Cheques
i) Within City Free a) Issuance of Rupee Travelers 0640-12 0.10%, Min. Rs.100/-
ii) Intercity 0.10%, Min. Rs. 150/- Cheques
b) Online Funds Transfer/cross
Branch Transfer
(Payable by: Account Holder) b) Refund in lieu of lost Rupee 0640-12 Rs.500/- per application
i)Within City Free Travelers Cheques
ii)Intercity 0.10%, Min. Rs. 150/- Note:
c) Cheque Deposits *In addition to above, commission/service charges, recovery of courier/postage
(Payable by: Beneficiary) / fax charges will also be made according to prescribed tariff (wherever applicable)
i) Within City Free **Charges negotiable on case to case basis under approval of relevant Business Head.
ii) Intercity Rs. 350/- *** In addition to the charges above, all applicable Government levies will also be recovered.
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DOMESTIC BANKING
B. BILLS
1) Clean (including cheques / dividend 0.25%, Min. Rs. 100/- Max Rs. 10,000/- 0.40%, Min. Rs.100/- plus mark-up
warrants / bank drafts/ Intercity Intercity Clearing Charges Rs. 300/- (flat) from the date of purchase to the date
clearing through NIFT etc.) 0640-10 (Including NIFT charges) of payment
Note 0.60%, Min. Rs.50/-
i) If total annual / annualized volume* exceeds Rs.50 mln following slabs shall be applicable:
}
Upto Rs.100 mln 0.20% Rupee account - Rs.200/- per transaction
Above Rs.100 mln upto 500 mln 0.15% Min. F.C. account - US $ 10/- per transaction
Above Rs.500 mln upto 1,000 mln 0.10% Rs.50/-
Above Rs.1,000 mln 0.05%
*Annual volume = Annual Import Business + Annual Export Business +Annual Remittance Business Rupee account - Rs.200/- per transaction
+ Annual Average Balance
F.C. account - US $ 10/- per transaction
ii) In case urgent collection of local cheque of Rs. 0.500 mln and below additional charges
of Rs. 200/- per collection and of Rs. 0.500 mln and above additional charges of
Rs.300/- per collection.
iii) Postage / courier charges are to be recovered on collection / realization of each
instrument (whether clean or documentary). However, in case where party has 54 paisas per Rs.1,000/- per day on
deposited more than 1 cheque instrument on particular date to be collected /drawn on actual finance.
the same branch of the bank, postage / courier charges are to be recovered once only.
54 paisas per Rs.1,000/- per day plus
iv) Collecting agent’s charges, if the collecting bank is other than the bank, will be extra. Bank’s commission @ 10/- paisa per
v) Trunk call charges will be extra, if rate of the instruments is asked for by telephone. Rs.100/-
vi) No charges, if branch is situated within a radius of 25 Km as it will be treated
as a local branch or within catchment area of NIFT if clearing is handled as a i) No charges, if cleared within 3 days
local clearing. of its receipt by the branch.
vii)OBC charges only to be collected where cheques are physically lodged in collection. ii) Rs. 1/- per packet per day, Min Rs.50/-
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DOMESTIC BANKING
Note:
*In addition to above, commission/service charges, recovery of courier/postage
f) Restructuring and re-scheduling On case to case basis as per agreement
/ fax charges will also be made according to prescribed tariff (wherever applicable) fee for SAM related projects with the party. Plus FED charge to be recovered
0640-50
**Charges negotiable on case to case basis under approval of relevant Business Head.
*** In addition to the charges above, all applicable Government levies will also be recovered.
2) Evaluation charges of property for At Actuals
C. PROJECT FINANCE / ADVANCES 0780-24
security purpose
Following charges may be recov-
ered in addition to interest / markup /
return on investment 3) Non-Refundable Processing Fee
for SME / Commercial Advances
1) Fee and charges in respect of Project including Funded and Non-Funded
Financing. Facilities
a) Project evaluation / Appraisal fee On case to case basis as per agreement
Upto Rs. 1 mln 0780-57 Fresh/enhancement/renewal CA
0780-24 with the party. Plus FED charge to be recovered
Rs.5,000/- or 0.7% of facilities amount,
b) Commitment fee (on undisbursed On case to case basis as per whichever is higher.
balance) from the date of sanction agreement with the party. Plus FED
to the date of disbursement (on Above Rs.1 mln upto Fresh/enhancement/renewal of CA
charge to be recovered
fund based commitment only) Rs.100 mln PKR 7,500/- or 0.05% of facilities amount,
0780-40 whichever is higher.
c) Legal documentation fee for Trade On case to case basis as per agreement Above Rs. 100 mln Negotiable with subject to a minimum of
Related / Project Finance 0780-40 with the party. Plus FED charge to be recovered Rs. 50,000/-
d) Trusteeship fee (to be recovered On case to case basis as per 4) For finance against pledge /
by the lead bank in case of agreement with the party. Plus FED hypothecation:
consortium financing) 0780-42 charge to be recovered
a) Godown Rent 0640-16 At Actuals
e) Restructuring and re-scheduling fee On case to case basis as per agreement b) Godown staff salaries of Godown At Actuals
0640-50 with the party. Plus FED charge to be recovered Keepers / Chowkidar. 0640-16
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DOMESTIC BANKING
c) Godown Inspection Charges 0640-16 Shall be credited to Bank’s Income Account g) Marking of lien on securities Rs.500/- (flat) per customer
issued by UBL for other banks 0640-50
i) Within municipal limits or within a Upto Rs.1 mln Rs.200/-
radius of 10 kilometers from the Above Rs.1 mln to 5 mln Rs.500/- 5) Other Charges on Advances
branch Above Rs.5 mln to 10 mln Rs.1,000/- 1-a) For the Issuance of NOC on 0800-04 Rs.10,000/- (flat) per transaction
Above Rs.10 mln Rs.2,000/- the request of customers for creating
Plus actual conveyance charges additional/ pari-passu charge/second
(Max. one visit per month) charge on their fixed assets for acquiring
ii) Outside the above limits T. A. & D.A. as per rules. Applicable to staff further project finance, finances from other
only in addition to charges at ‘c (i)’ above banks/financial institutions.
b) For the Issuance of NOC on the Rs.10,000/- (flat) per transaction
iii) Seasonal lending (cotton, rice etc.) Upto Rs.5 mln Rs.300/- request of Customers for creating
0640-16 Above Rs.5 mln Rs.500/- charge on their current assets.
Plus T.A. & D.A. as per rules. Applicable to staff only 2-a) Redemption of charge fee to be recovered Rs.2,500/- per property
d) Delivery Charges
i) If a Godown Keeper is not At Actuals from the party when bank officers are called
posted, conveyance charges before Registrar for redemption for the
will be recovered 0640-16 mortgage.
ii) Directors search / charge search At Actuals b) Vacation of Charge Rs.1,000/-
/ local credit report / independent
stocks verification / independent 3-a) Registration with SECP & Lawyer’s charges Actual plus Rs. 1,000/- per case
credit report / assets valuation 0640-16 for both Private & Public limited companies
iii) CIB Report 0800-10 For Consumer Rs.100/- (flat) Rs. 200/- where charge on current or fixed assets is
other than consumer registered
e) Other incidental expenses: At Actuals b) Registration of charge at Registrar’s office. Actual plus Rs. 1,000/- per case
Insurance premia, legal charges etc. For Partnership/Proprietorship firms/individual
0800-04 finances exceeding Rs.0.500 (M) for mortgage
f) Handling charges on marking of Rs.500/- (flat) per customer at registrar of Property office
lien on Govt. Securities 0640-19
04
DOMESTIC BANKING
4) Agri Proposal Processing Fee on i) Rs.1,000/- for Fresh Farm Loans / 4) Withdrawal fee on shares and 0.25% upto Rs.10,000/-of the paid-up or
Booking of New Customers/Fresh Enhancements of limits up to Rs.1 mln securities held in safe custody (to face value and 0.125 % on amount
Facility or Enhancing the Limit 0640-95 be recovered at the time of withdrawal) exceeding Rs.10,000/- Min Rs.50/-
ii) Rs.2,000/- for Fresh Farm Loans /
Enhancements of limits exceeding Rs.1 mln Rs.10/- per script, Min. Rs.50/-
iii) Rs.3,000/- for all Non Farm limits
(Fresh / Renewals / Enhancements) 0.30% on amount of interest/return
Note: dividend collected/paid Min Rs.20/-
/ fax charges will also be made according to prescribed tariff (wherever applicable) plus out of pocket expenses Rs. 8,000/-
**Charges negotiable on case to case basis under approval of relevant Business Head. 7) Stop payment Charges per Rs.150/- flat
** In addition to the charges above, all applicable Government levies will also be recovered. Dividend Warrant
D. SALE AND PURCHASE OF SECURITIES, SAFE CUSTODY ARTICLES IN 8) NIFT charges on the Dividend Warrant No NIFT charges if MICR codes are on the
SAFE DEPOSIT & SAFE DEPOSIT LOCKERS Dividend Warrant otherwise Rs. 10/- each
1) Refund to unsuccessful applicants for IPOs Rs.20/- per script
a) For A/c holder No charge on credit to A/c
b) For non A/c holder Rs. 100/- cashier’s cheque charges
0.15% up to Rs.10,000/- of purchase Commission @ 0.50% plus out of pocket
2) Sale and purchase of shares and price or cost thereof and 0.10% on amount
securities expenses, Min. Rs.20,000/-(subject to
exceeding Rs.10,000/-, Min. Rs.50/- negotiation of rate based on volume of business)
3) Shares and securities held in safe 0.50% per annum of the market value
custody (to be recovered on of Shares and Securities held in safe Commission @ 0.50% plus out of pocket
quarterly basis) custody for clients maintaining a minimum expenses, Min. Rs. 15,000/-(subject to
depository balance of up to Rs.1 billion negotiation of rate based on volume of business)
throughout the year, Min. Rs.300/-
Rs.2/- per 25 square inches or part
0.25% per annum of the market value thereof, Min. Rs.300/- per quarter
of shares and securities held in safe
custody for clients maintaining a minimum
depository balance over Rs.1 billion
throughout the year .
05
DOMESTIC BANKING
13) Lockers 4) Other Guarantees
Safe deposit lockers fee to be recovered in advance or at the commencement of the period Where total volume of guarantees (Quarter will start from the date of
being issued on behalf of a customer issuance of guarantee)
a) Small Medium Large Extra Large during a calendar year is:
Annual fee in Rs. 2,000/- 3,000/- 5,000/- 6,000/-
Upto (a) Rs.25 mln 0.50% per quarter or part thereof
(b) Rs.50 mln 0.40% per quarter or part thereof
Key Deposit in Rs. 2,000/- 2,500/- 3,000/- 3,000/-
(c) Rs.100 mln 0.35% per quarter or part thereof
Annual Insurance Premium in Rs. 75/- 100/- 150/- 200/- (d) Over Rs.100 mln Negotiable (see note below)
b) Late payment charges 10%* of the applicable annual locker Minimum Commission Rs.2,000/- per
(plus original yearly rent) rent every year annum per guarantee or Rs.600/- per
quarter wherever guarantee validity is
*Late payment charges will be taken once annually after rent is overdue for more than 30 days less than one year. Charges may be
waived against 100% cash kept in
c) Breaking Charges Rs.2,000/- per Locker Margin Account.
14) IPS Security Movement Charge Rs.500/- for each transaction As per Other Guarantees, Clause 4,
Note: above (commission subject to
*In addition to above, commission/service charges, recovery of courier/postage negotiations with clients and
/ fax charges will also be made according to prescribed tariff (wherever applicable) correspondent arrangements)
**Charges negotiable on case to case basis under approval of relevant Business Head. Min US$ 100/-
** In addition to the charges above, all applicable Government levies will also be recovered.
b) Counter Guarantee issued by us As per Other Guarantees, Clause 4,above
E. GUARANTEES for guarantee issuance abroad (commission subject to negotiations with
Rs.1,500/- (flat) clients and correspondent arrangements)
Min US$ 100/-
6) Amendment Rs.1,200/- per amendment (flat) or commission
at rate specified above if amendment involves
2) Guarantees secured by cash margin / 0.50% per quarter or part thereof, increase in amount or extension in period.
lien over deposits Min. Rs.500/- Incase of back to back guarantee: US$ 75/- or
As per Term Sheet applicable for the commission at rates specified under item 5 (a)
entire Syndicate members and (b) above, if amendment involves increase
in amount or extension in period.
06
DOMESTIC BANKING
7) Service charges for handling claims g) Inland LC Cancelation Charges Rs.1,800/- plus swift and
lodged by beneficiary
communication charges
a) Guarantees issued at customer’s Rs 1,800/- (flat) 2) Local Import Bills
request within Pakistan a) Sight Bills
b) Guarantees issued at request of i) Collection charges for Inland Rs.1,500/- (flat) per bill
foreign banks / back to back USD 120/- (flat) LC / Restricted LC & Handling of Inland
c) Guarantees issued by banks Import Documents against PAD Bill
abroad at our request USD 120/- (flat) (Sight Bill)
Note: ii) Retirement of bills
The Bank reserves the right to charge different rates on the basis of volume and If retired within 3 days from the date of
security offered subject to prior approval by concerned sanctioning authority. 60 paisa per Rs.1,000/- per day from
*In addition to above, commission/service charges, recovery of courier/postage lodgment in PAD 0600-02 the date of negotiation
/ fax charges will also be made according to prescribed tariff (wherever applicable) If retired after 3 days from the date of 65 paisa per Rs.1,000/- per day from
*** In addition to the charges above, all applicable Government levies will also be recovered. lodgment in PAD the date of negotiation plus Bank’s
commission @ 0.25%
F. LOCAL TRADE BUSINESS b) Usance Bills
1) Local Imports LC i) Collection charges 0.40% per bill Min. Rs.1,200/-
a) Inland Letters of Credit issuance 0.4% per quarter or part thereof ii) If bill matures after expiry of LC Charges under b) i) plus delivery of
0640-05
Min Rs.2,000/- documents against acceptance
b) Inland LC Amendment charges Rs.1,200/- (flat) per transaction plus commission @ 0.10% per month on
0640-49 commission as per item a) above if bill amount on realization from the
increase in amount. date of expiry of LC
c) Swift Charges
c) Payment of Bill drawn under Inland LC Issuance of cashier’s cheque per
i) LC Issuance Min. Rs.2,000/- or actual whichever Transaction Rs. 350/- flat plus courier
0640-03
is higher charges.
ii) Amendment Issuance Min. Rs.1,000/- or actual whichever Rs.3,000/- plus swift & courier charges
d) Inland LC documents returned unpaid
is higher
d) Courier Charges Rs.200/- per LC & Amendment e) Duplicate Advices Rs.350/- per duplicate advise
e)Duplicate Advices Rs.350/- per duplicate advise
f) FED invoice certificate 0640-50 Rs.1,000/- per certificate f) FED invoice certificate 0640-03 Rs.1,000/- per certificate
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DOMESTIC BANKING
g) Handling of Inland LC documents with Rs.3,000/- (flat) plus swift & i) Above, mark-down for every 15 days 0.90%, Min Rs.1,000/-
discrepancies 0640-50 communication charges from the date of purchase till the date
of maturity
h) Issuance of business performance Rs.3,000/- per certificate
ii) If discounted later on, marked down
certificate of previous years at the
rate to be obtained from treasury
customer request 0640-50
through business
Note: c) Documentary bills drawn against Inland
In case forced PAD is created due to non payment on maturity against DA LC, commission @ 0.50% letter of credit Sight bills
is to be charged (once only) in addition to mark-up @ 60 paisa PTPD (or as revised from time to time)
i) Negotiating End 0640-46 Negotiation commission@ 0.50%,
from the date the maturity till the date of payment.
Min Rs. 1,000/-
Note:
ii) Collection charges for inland LC / Rs. 1,000/- (flat) per bill
The bank reserves the right to change different rates on the basis of volume and security offered 0640-46
restricted LC
subject to prior approval by concerned sanctioning authority
iii) If negotiation is restricted to some Rs. 500/- (flat) per bill will be
Charges negotiable on case to case basis under approval of relevant Business Head 0640-46
other bank charged by the forwarding branch
In addition to the charges above, all applicable government levies will also be recovered
iv)Postage/Courier Charges for LCs Rs. 150/-
3 a) In Land Export LC Advising & Amendments Advising 0640-46
i) LC Advising 0640-49 Rs.1,200/- (flat) d) Duplicate Advices 0800-01 Rs. 250/- per duplicate advise
ii) LC Amendment Advising 0640-49 Rs.800/- (flat) e) FED invoice certificate 0640-50 Rs. 1,000/- per certificate
iii) Postage/Courier Charges for LC & Rs.150/- (flat) f) Negotiation of documents drawn under
Amendment Advising 0800-01
inland sight letter of credit
If proceeds not realized / credited to our Mark-up rate@ 60 paisa per
iv) Inland LC Confirmation charges As per FIG arrangement
customer’s account within 12 days than Rs. 1,000/- per day to be charged
b) Collection of Documentary Bills 0640-01 0.40%, Min Rs.800/- mark-up is applicable to customer. NICF
drawn under inland LC and facility will be charged for any delay beyond
purchased by Bank
08
DOMESTIC BANKING
12 days. Incase no NICF facility to customer
d) Courier 0800-05 Actual, Min Rs.100/-
than mark-up will be charged 0010-11
e) Free
g) Negotiation (Usance) (Delayed Realization) Mark-up rate@ 60 paisa per Welcome Pack / Cheque Book /
If payment of inland/local bills realized within Rs. 1,000/- per day to be charged Wallet VISA Debit Card 0800-05
03 days, no mark-up to be charged. 2) a) Statement of Account through mail Free

(by post)
Incase proceeds not realized/credited to our b) Statement of Account through UBL Free
customer account within 03 days from the date e-statement (by e-mail)
of the maturity till its adjustment than mark-up c) Statement of Account using both Rs. 35/- bi-annually
0640-19
is applicable to our customer’s NICF facility d) Duplicate Statement of Account Rs. 35/- per statement
or as per special approval by the competent 0640-19
Rs.400/- per cheque
authority.
In case of no NICF facility is available to the Rs.100/- per annum
customer than mark-up will be charged
h) Export LC Cancellation 0010-11 Rs. 1,500/- plus swift & communication
charges
Rs.100/- per certificate
Note:
· The bank reserves the right to change different rates on the basis of volume and @ 0.15%, Min. Rs.100/-
security offered subject to prior approval by concerned sanctioning authority Max. Rs.500/- per encashment
· Charges negotiable on case to case basis under approval of relevant Business Head 7) Service charges for same day
· In addition to the charges above, all applicable government levies will also be recovered Rs. 300/-
collection/clearing cheque greater
G. MISCELLANEOUS CHARGES than 500,000/-through NIFT
Stop payment charges per instrument: Rs. 300/- (Flat) for Rupee A/c
1) a) Telephone Actual, Min Rs.100/-
b) Fax Actual, Min Rs.100/- Series of Cheque /CC/DD/PO/TT/RTC F.C A/c - US$ 5/- per transaction
c) Postage i) Local (Within City) Actual Min Rs. 50/-, and Online Funds Transfer through
ii) Inland (Intercity) Actual Min Rs. 75/- Uniremote
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DOMESTIC BANKING
9) Charges for cheque return unpaid *Exemption to:
0640-68 i) Students
a)Cheque return unpaid charges PKR 300/-, USD 5/-, GBP 2.5/-, EUR 2.5/- ii) Mustahiqueen of Zakat
from payee account (account iii) Employees of Govt/Semi-Govt institutions for salary and pension
AED 15/-, SAR 15/- purpose, including widows/ children of deceased employees eligible for family
in which bad cheque is deposited)
b)Cheque return unpaid charges PKR 300/-, USD 5/-, GBP 2.5/-, EUR 2.5/- pension/benevolent fund grant etc.
from drawer account (account iv) UBL Basic Banking Account (UBL BBA) holders.
AED 15/-, SAR 15/- v) Accounts related with Zakat Collection & Disbursement
from which bad cheque is written) vi) Unclaimed deposits after maturity of ten years.
10) Cost of Issuance of all currency vii) Earthquake affected areas (BPRD Circular Letter No. 28 of October 10, 2008)
cheque books viii) All Staff Accounts wherein salary is Credited.
a)MICR 0640-62/22 Rs. 5/- per leaf ix) All singly operated accounts of retired staff of the bank wherein pension,
b)NON-MICR Rs. 10/- per leaf benevolent grant, medical bills reimbursed.
x) Dormant Accounts
11) Service charges on Rupee CD / Rupees xi) UBL First Minor Saving Accounts
PLS / FCY CD / FCY Saving A/Cs xii) School Management Committe Accounts-only for Sindh (BPRD Circular No. 02 of Jan 25, 2010)
where the average balances are xiii) e Transaction Accounts for OMNI Agents.
below the required balance xiv) UBL Wiz Cards
0780-01
*Service Charges Monthly Average 12) Pay Partner with Salary & Pension Rs.50/- from account holder per account*
Per Month Balance disbursement charges.** 0640-18 per month where salary/pension is credited
and / or from organization as per contractual
PKR** 43.10/- plus FED 10,000/- terms.
PKR(BP Plus) 43.10/- plus FED 25,000/- * No charge to be recovered from account holders, if charges are recovered
USD 5/- 500/- from remitting organization’s main account under agreement
EURO 4/- 400/- ** No charges to be recovered from Govt. and Semi Govt. Organizations and
AED 20/- 2,000/- their employees / retired employees.
GBP 3/- 300/- 13) Photocopy of a paid cheque 0640-19
SAR 20/- 2,000/- returned to customer
Within 1 year Rs.200/- charges per cheque
**For all Account except Business Partner Plus Above 1 year Rs.1,000/-
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DOMESTIC BANKING
14) BUSINESS PARTNER WAIVER GRID 15 BUSINESS PARTNER PLUS WAIVER GRID
( for Individual, Sole Proprietorship, Partnership and Government Accounts only)
Monthly Average Balance
Waiver Per Month Applicable On Overnight Balance of Rs. 25k and above
Online IBTS / UniRemote Transactions country wide Free
Services Rs. 250/- K & Above
VISA Gold/Silver Debit ATM Card annual fee Free
Issuance of MT 5
Issuance of Cashier’s cheque Free
Issuance of CC 5
Cheque Book Free
Cancellation of P.O,CC, DD or MT 5
Over the counter cash deposit Free
Duplicate CC 5
Cancellation of CC Free
ATM/Debit Card Annual Fee Free
Cheque Returned unpaid from payee’s account Free
Clean Bills for Collection 5
Issuance of Cheque Books Clean Bill for collection Free
1 Cheque Book of 50 leaves Free
Cheque Return Unpaid from Payee Account Duplicate Cashier;s Cheque Free
5
UniRemote Charges Free Selected Transaction SMS Free
Locker Rent Free* Duplicate Account Statement Free
Issuance of Rupee Travelers Cheque Free Issuance of RTC Free

(Annual average balance can be used for seasonal accounts) 16) Charges on Encashment / Collection Rs.100/- per trip
of profit coupons for certificates issued
*1 locker free (any size) for 1st year, subject to availability in the branch where account by other banks
resides. Waiver to be reviewed by Branch Manager at the end of each banking cycle. 17) Credit information report including
credit report on Foreign Supplier /
Note: Buyers
a) Waiver per month applicable on overnight balance when the request is made. a) Within City Report 0780-29 Rs.1,200/- payable to Agents +
This grid is applicable on Current Account/Business Partner balances above Rs.500/- service charges
Rs.250 K and above, on case-to case basis on Branch Manager’s discretion. b) Foreign Report Equivalent Foreign Agents charges in
0780-29
b) First time collection charges free for Business Partners customers having Pak. Rs. plus Rs.600/- service charges
balance of Rs. 250 K and above (after proceeds from collection are realized). c) If requested by Banks/DFIs. No charges
11
DOMESTIC BANKING
18) Service charges in cash collection Rs.50/- per cash collection 25) Transactional Charges on UBL 0640-65 Rs. 100/- per transaction for any withdrwal
A/c’s at branches other than cash UniFlex PLS Accounts. above the thershold of three debit
management clients, utility companies, transactions in one calendar month (No
consumer loan customers, customers charges on credit transaction)
under contractual agreements and
students (Remittance charges for 26) Charges for verification of account Rs. 250/-
funds transfer, if any will be applicable balance to third party based on customer’s
separately). 0640-65
consent (Exemption for: Students applying
for visa to proceed for Foriegn Education)
19) Standing instructions fee will be Rs.100/-per transaction 0640-19
recovered in addition to the usual
charges on remittance, if any
0640-65
20) Emigration Certificate 0640-19 Rs.100/- per certificate

Note:
21) Proprietorship Certificate 0640-19 Rs.100/- per certificate Electronic Banking / Cash Management UBL provides Electronic Banking and Cash
22) No Objection Certificate (NOC) 0640-19 Rs.100/- per certificate Management Services. Fees and other charges to be recovered on a case to case basis.
23) UBL Basic Banking Account 0640-65 Maximum of two deposits and two * In addition to above, commission/service charges, recovery of courier/postage
transaction charges. withdrawal transactions (cash or / fax charges will also be made according to prescribed tariff (wherever applicable)
clearing) per month are allowed free of ** Charges negotiable on case to case basis under approval of relevant Business Head.
charge on UBL BBA account holders. *** In addition to the charges above, all applicable Government levies will also be recovered.
However, any transactions (cash &
clearing) in a calendar month after
those mentioned above will be charged
a flat fee of Rs.50/- in addition to regular
charges for services as per SOC.
24) Statement of Profit Earned & 0640-19 Rs. 100/- per certificate
WHT / Zakat Deduction
12
UBL SIGNATURE – PRIORITY BANKING

A. UBL Signature – Priority Banking 6) Lockers annual fee & key deposit Free
1) Issuance of MT/ Cashier’s Cheque Free 7) Consumer products application processing charges Free
2) DD / MT / PO / Cashier’s Cheque Cancellation Charges Free 8) Signature Premium Debit Master Card Free
3) Inter Branch Transactions in Online Branches – UniRemote 9) Signature Priority Pass Fee
a) Cash deposits & account to account transfer a) Membership / Annual Fee Free
i) Within City Free b) Airport Lounge Visit Fee 5 Free Visits per year
(additional visits - USD 35/- each)
ii) Intercity Free
b) Cheque deposit 10) Stop payment charges for cheque / DD / RTC / Free
i) Within City Free Cashier’s Cheque and online Funds transfer
ii) Intercity Free through UniRemote
c) Cash Withdrawals 11) Issuance of all currency cheque books Free
i) Within City Free 12) Cheque return unpaid charges from payee account Free
(account in which bad cheque is deposited)
ii) Intercity Free
4) Bills Collection Note: Signature Priority Banking Customers: Please refer to your Priority Lounge Relationship
Manager for other applicable waivers on Schedule of Charges, including FCY Accounts.
a) Clean (including cheques/dividend warrants/bank drafts/ Free
In addition to the charges above, all applicable Government levies will also be recovered.
intercity clearing through NIFT etc) - A Lounge Charge of Rs. 5,000/- shall be applicable on UBL Signature Customers incase their
quarterly average balance is less than Rs.1 Mln (Current Acount) or Rs. 2 Mln (PLS Saving Account)
5) Stop payment of cheque drawn Free
13
BANK CHARGES FOR GOVERNMENT BUSINESS
A. IMPORTS (ii) Chapter XIII of Foreign Exchange manual (8th Edition-2002). However for letters of credit
“Authorization to pay” opened by other public sector agencies in Federal / Provincial
1) Cash / reimbursable loans / barters Government including autonomous, semi autonomous bodies e.g., K.E.S.C. Limited, WAPDA,
expressed in U.S. Dollar or any other PTCL, etc. , the commission is to be charged from the openers by the banks as per their own
foreign currency including L/Cs under
schedule of charges.
A.C.U. / arrangement:
Less than Rs.250,000/- 0640-48 1/8% (0.125%) of the value of the Letter / fax charges will also be made according to prescribed tariff (wherever applicable)
of Credit. **Charges negotiable on case to case basis under approval of relevant Business Head.
Rs.250,000/- and above 1/16% (0.0625%) of the value of the
Letter of Credit.
2) Non-reimbursable letters of credit 3/8% (0.375%) irrespective of the value

under barter / aid / loans / authorization of the Letter of Credit
to pay 0640-48
Note:
The Bank reserves the right to charge different rates on the basis of volume and security
offered subject to prior approval by concerned sanctioning authority. As per clarification given
by the SBP Foreign Exchange Department 6734/ FEP.9 (126-242)-95 dated 19-12-95 it is
advised that in the case of letter of credit or for that matter ‘‘Authorization to pay” opened by
the Department of the Federal or Provincial Governments whether routed through State Bank
of Pakistan or not Letters of Credit commission is to be charged at the rates given in Para 37
14
BRANCHLESS BANKING
A. Omni Service Fee d) Service Fee at UBL Omni Dukaan

a) Account Opening Utility Bill Payment Free
Initial deposit amount (Level 1,2,3 account) Rs. 500/- Mobile Voucher Purchase Free
Minimum balance charges * Rs. 25/- per month Mobile Postpaid Bill Payment Free
Omni Money Transfer 3.35% of the transaction
* Minimum balance requirement Rs 500/- (Min. transfer amount Rs. 500/-)
b) Subscription For Omni Account Holders Cash Withdrawal 1.5% of the withdrawal amount
Cash Deposit Free
Package Name Validity (Days) Charges (in Rs.) Free Channels
Omni Daily 1 10/- Mobile, Internet, WAP e) Omni VISA Card Charges
Omni Weekly 7 50/- Mobile, Internet, WAP
Omni Monthly 30 150/- Mobile, Internet, WAP Omni Card Type Annual Fee Daily Limit
Omni Semi Annual 180 300/- Mobile, Internet, WAP
Omni Annual 360 500/- Mobile, Internet, WAP
Omni Silver Rs. 150/- Rs. 20,000
• In this package, each transaction will be charged individually
Omni Transaction ** Omni Gold Rs. 250/- Rs. 40,000
• This will be the default package
c)**Omni Transaction Package Fee f) Omni Dukaandar

Bill Payment (Mobile, Internet or WAP) Rs. 5/- Security Deposit 20% of the rolling amount or
Mobile Voucher Purchase Rs. 5/- Rs 10,000/- whichever is higher
(Mobile, Internet or WAP)
UBL Omni Account to Account 2.5% of the transaction amount
funds transfer or Rs. 10/- (whichever is higher)
Balance Enquiry Free
15
CONSUMER BANKING
Bronze
Up to Rs. 5,000/- Up to Rs. 50,000/- Up to Rs. 100,000/- Up to Rs. 500,000/-
**Waived if Customer maintains e-Transaction Silver Account

***50% Waived if Customer maintains e-Transaction Silver Account
****Waived if Customer maintains e-Transaction Gold Account
Basic Minimum Average Balance Above 10,000 in last three months
(Please visit UBL Website for updates)
16
CONSUMER BANKING
E. Contact Center & IVR F. ATM DEBIT CARD
Bill Payment Rs. 25/- 1) UBL Wallet VISA Debit Card & UBL First Pocket - Money VISA Debit Card
Loan Installment Payment Rs. 25/-
a) Annual Charges 0640-63
Fund Transfers Card Type Gold Silver Supplementary (Gold) Supplementary (Silver)
Own Account 0.2% Min. Rs 150/-
UBL Wallet 500/- 300/- 250/- 150/-
Third Party 0.2% Min. Rs 150/-
UBL First Pocket Money N/A Free N/A N/A
b) Funds transfer through ATM 0640-43 0.1%, Min. Rs. 50/- both Within
* This is a new service and promotional rates may apply. Such promotional rates & Intercity
shall be regularly posted on UBL website. c) Card Replacement Fee 0640-63 Rs. 150/- per card
** Waived if Customer maintains e Transaction Silver (or better) Account d) Switch Transaction Fee 0640-60
*** Waived if Customer maintains e Transaction Gold Account i) Withdrawals on 1 Link Rs. 15/-
**** Current limits and can be changed anytime, see website for updates ATMs other than UBL
Note: ii) Withdrawals on other switches Rs. 15/-
i) In addition to above, commission/service charges, recovery of courier / postage / fax e) International VISA Usage Charges
charges will also be made according to prescribed tariff (wherever applicable) i) ATM Withdrawal 0640-41 2.5% of transaction amount or
ii) Charges negotiable on case to case basis under approval of relevant Business Head. Rs.250/- whichever is higher
iii) In addition to the charges above, all applicable Government levies will also be recovered. 2.5% of transaction amount or
ii) POS Purchase
Rs.250/- whichever is higher
iii) Balance inquiry

a) Within Pakistan from non UBL network Rs. 5/- per transaction
b) From outside Pakistan Rs. 50/- per transaction
17
CONSUMER BANKING
Note: c) International VISA Usage 0640-41

i) No joining fee. Annual fee to be recovered in advance. No refund on account closure. Charges
ii) In addition to above, commission/service charges, recovery of courier/postage i) ATM Withdrawals 2.5% of transaction amount or
/fax charges will also be made according to prescribed tariff (wherever applicable)
Rs.250/- which ever is higher
iii) Charges negotiable on case to case basis under approval from relevant Business Head. ii) POS Purchase 2.5% of transaction amount or
Rs.250/- which ever is higher
iv) In addition to the charges above, all applicable Government levies will also be recovered.
iii) Balance inquiry
f) Internet usage 0640-99 a) Within Pakistan from non UBL network Rs. 5/- per transaction
i) Activation Charge NIL b) From outside Pakistan Rs. 50/- per transaction
ii) Per session charge Rs. 100/- d) Internet Usage 0640-99
2) UBL Wiz Prepaid VISA Debit Cards

i) Activation Charge NIL
a) i) Card issuance 0880-12 i) NIL on deposit of Rs. 10,000/- &
(One time fee) above ii) Per session charge Rs. 100/-(no charges for UBL Wiz
ii) Rs. 100/- for deposit of Internet Card)
less than Rs. 10,000/-
e) Cancellation / Card 0640-50 Rs.100/-
ii) Re-load fee NIL
Replacement Charges
b) Switch Transaction Fee 0640-60

Note:
i) Withdrawals on 1 Link ATMs Rs. 15/- i) Charges negotiable on case to case basis under approval from relevant Business Head.
other than UBL ii) In addition to the charges above, all applicable Government levies will also be recovered.
ii) Withdrawals on other switches Rs. 15/-
18
CONSUMER BANKING
3) UBL Premium Debit MasterCard G. UBL DRIVE (CAR FINANCING)
a) Annual Fee 0540-23 1) Application Processing Charges 0640-78 As per the loan documents, or Rs. 5,000/-
i) Basic PKR. 1,000/- (non-Refundable) if not specified Plus
ii) Supplementary PKR. 500/- FED Charge
b) Card Replacement Fee 2) Vehicle Evaluation Charges 0640-82 As per the loan documents, or Rs. 5,000/-
i) Normal: 0540-24 PKR. 250/- per card if not specified
ii) Urgent: 3) Pre - payment Charges 0640-81 As per the loan documents, or 8% of
PKR. 500/- per card
c) Funds Transfer through ATM 0.1% Min PKR. 50/- both principal outstanding amount if not specified
within and inter city 4) Late Payment Charges 0640-79 As per the loan document. If not specified,
d) Switch Transaction Fee 0640-43 the prevalent Schedule of Charges (SOC)
i) Withdrawals on 1 Link ATMs 0540-31 PKR. 15/- at the time of loan issuance will be used to
other than UBL determine the charges. Current charges
Rs. 1,000/-
ii) Withdrawals on other switches 0540-32 PKR. 15/-
e) International VISA Usage Charges 0540-23 5) Vehicle Re-Possession Charges 0860-25 Actual incurred by the bank upto a
i) ATM Withdrawal 2.5% of transaction amount or maximum of Rs. 75,000/-
PKR. 250/- which ever is higher 6) Repossessed Vehicle 0860-25 Rs. 1,000/-
ii) POS Purchase 2.5% of transaction amount or Evaluation Charges
PKR. 250/- which ever is higher 7) Monthly Warehouse Charges 0800-11 As per the loan documents, or Rs. 5,000/-
iii) Balance inquiry per vehicle if not specified
a) Within Pakistan from non UBL network Rs. 5/- per transaction 8) Auction Charges 0850-15 Rs. 2,000/-
b) From outside Pakistan Rs. 50/- per transaction
9) Duplicate Repayment Schedule 0540-64 Rs. 150/- per instance
f) Internet Usage 0640-99
i) Activation Charge PKR. 0/- ( zero) Charges
ii) Per Session Charge PKR 100/- 10) Duplicate NOC Charges 0540-64 Rs. 150/- per instance
4) *Dispute handling charges Note:
*In addition to above, commission/service charges, recovery of courier/postage/
a) Franchise Arbitration Charges 0540-27 USD 500/- or equivalent fax charges will also be made according to prescribed tariff (wherever applicable)
b) Voucher Retrieval Fee 0540-41 PKR 1,000/- **Charges negotiable on case to case basis under approval of relevant Business Head.
*Applicable on all Debit Cards portfolio. *** In addition to the charges above, all applicable Government levies will also be recovered.
19
CONSUMER BANKING
H. i) UBL CASHLINE I. UBL MONEY

1) Processing Fees 0640-78 As per the loan documents, or
1) Processing Fee 0640-78 As per the loan documents, or Rs. 1,500/- if not specified
Salaried Rs. 2,500/- & SEB/SEP 0640-81
Rs. 3,000/- if not specified 2) Pre-payment Penalty As per the loan documents, or 8% of
2) Annual Charges (Renewal fee) 0540-42 As per the loan documents, or remaining outstanding principal
Rs. 2,000/- if not specified amount if not specified
3) Late Payment Fee 0640-79 As per the loan documents, or 3) Late Payment Charges 0540-53 As per the loan documents, or Rs,1000/-
Rs. 1,000/- if not specified per installment if not specified
4) Insurance Charges (Credit Protector) 0780-08 As per the loan documents, or 0640-81
4) Partial Payoff Option Fee As per the loan documents, or 5% of the
0.13% of total monthly outstanding amount being reduced from
H. ii) UBL CASH PLUS if not specified outstanding principal if not specified
Note:
1) Processing Fee 0640-78 As per the loan documents, or All Regular Branch banking charges will apply for the transactions through branches
Rs. 1,000/- flat- if not specified * In addition to above, commission/service charges, recovery of courier/postage/
2) Pre-payment Penalty 0640-81 fax charges will also be made according to prescribed tariff (wherever applicable)
As per the loan documents, or
5 % of the remaining outstanding ** Charges negotiable on case to case basis under approval of relevant Business Head.
amount if not specified *** In addition to the charges above, all applicable Government levies will also be recovered.
3) Partial Payoff Fee 0640-81 As per the loan documents, or **** All rates are subject to change.
5 % of the amount being reduced J. UBL ADDRESS / BUSINESSLINE
from outstanding principal if not 1) Processing Charges 0640-78 As per the loan documents, or Rs. 5,000/-
specified (non-refundable) if not specified, Plus
4) Late Payment Charges 0640-79 As per the loan documents, or FED Charge
Rs. 1,000/- per installment if not As per the loan documents, or Rs. 4,000/-
specified 2) Appraisal Charges 3540-42
Note: (non-refundable) if not specified
* All regular branch banking charges will be applied for the transaction through branches. 3) Legal Charges 3540-42 As per the loan documents, or Rs. 4,000/-
** In addition to the above, commission / service charges, recovery of courier / postage (non-refundable) if not specified
/ fax charges will also be made according to prescribed tariff (wherever applicable.)
*** In addition to the charges above, all applicable Govt. levies will also be recovered. 4) Income Estimation Charges 3540-42 As per the loan documents, or Rs. 5,000/-
**** All rates are subject to change. (non-refundable) if not specified
20
CONSUMER BANKING
0640-79 13) Commitment Charges 0540-43 As per the loan documents, or In
5) Late Payment Charges - Address As per the loan documents, or Rs. 1,000/-
per installment if not specified Case the loan is booked on the
Late Payment Charges - Businessline As per the loan documents, or (Applicable request of the customer & subsequently
mark-up +2). As late payment penalty, MC the Pay Order has been made but not
Charge will be 2% if not specified. collected by the customer, a charge
6) Property Insurance 0540-48 As specified in the loan documents, or levied at 10% of the undisbursed
actual (max of 3%) if not specified outstanding amount will be paid by the
7) Life Insurance Optional. As per the rate quoted by customer if not specified
the Vendor. 0540-49
14) Line Renewal Charges- As per the loan documents, or
8) Partial Payoff 0640-68 As per the loan documents, or Max 6
monthly installments. Penalty charges Businessline @ 0.05% of credit line or Rs. 5,000/-
apply on amount exceeding Rs. 50,000 whichever is higher if not specified
or 6 monthly installments. 8% for Year 1, Note: *These Charges are quoted by the vendor & are subject to change.
5% for Year 2, 3% in Year 3 & onwards Note:
if not specified *In addition to above, commission/service charges,recovery of courier/postage
0640-68 As per the loan documents, Less than 1
/ fax charges will also be made according to prescribed tariff (wherever applicable)
9) Pre-payment Penalty (Full Payoff) **Charges negotiable on case to case basis under approval of relevant Business Head.
yr: 8%, 1-3 yrs: 5%, 3-20, yrs: 3% if not specified *** In addition to the charges above, all applicable Government levies will also be recovered
10) Loan Enhancement Charges 0540-53 As per the loan documents, or Rs. 10,000/- including FED.
(Address) if not specified K. UBL PayPlus (Loan Against Salary)
1) One Time Loan Processing Fee As per the loan documents,or Rs. 500/-
11) Default due to lack of funds on 0640-27 As per the loan documents, or Rs. 2,000/- if not specified
standing instructions if not specified 2) Late Payment Fee As per the loan documents,or Rs. 1,000/-
if not specified
Note:
12) Refund CCs Regular CC charge as per page no. 1, *In addition to above, commission/service charges, recovery of courier/postage
Item No. 1 (a) will apply for all / fax charges will also be made according to prescribed tariff (wherever applicable)
consumer refunds. **Charges negotiable on case to case basis under approval of relevant Business Head.
*** In addition to the charges above, all applicable Government levies will also be recovered
including FED.
21
CONSUMER BANKING
Particulars SL Code Charges
L. CREDIT CARDS Silver & Gold Platinum 15.a) Hospital Cash Plan - Executive Plan 21-35 years: Rs. 220/- per month
0540-21
3540-08 36-50 years: Rs. 360/- per month
1) Annual Membership Fee Free Rs. 4,000/-
51-60 years: Rs. 824/- per month
2) Supplementary Card Fee 0540-21 Free Rs. 2,000/- Each Child 1-20 years: Rs. 215/- per month
3 a) Platinum Upgrade Fee from Gold and Silver-Basic 0540-22 - Rs. 2,000/- b) Hospital Cash Plan - Deluxe Plan 21-35 years: Rs. 320/- per month
b) Platinum Upgrade Fee from Gold and Silver-Supplementary 0540-22 - Rs. 1,000/- 3540-08 36-50 years: Rs. 529/- per month
4) APR - Retail Transaction 0860-10-0860-11 Up to 39% 51-60 years: Rs. 1200/- per month
Up to 39% Each Child 1-20 years: Rs. 300/- per month
5) APR - Cash Advance 0860-10-0860-11
6) APR - BTF 0860-10-0860-11 Up to 24% 16) Booking Charges - Balance Transfer (Open) Free
7) APR - Lite Installment Plan 0860-10-0860-11 0% - 39% 17) Booking Charges - 0540-39 Rs. 250/- per transaction
8) Minimum Monthly Payment 3540-22 5% of the outstanding balance or Lite Installment Plan
3540-29 0540-39
3540-47 Rs. 200/- (whichever is higher) 18) Cancellation Charges- 5% of the installment outstanding balance
9) Cash Advance Fee 0540-05 4% of the amount withdrawn or Lite Installment Plan or Rs.1,000/- (whichever is higher)
0540-06
Rs. 750/- (whichever is higher) 19) Direct Debit Failure Fee 0540-63 Rs. 500/-
10) Late Payment Fee 0540-17/18 10% of the minimum balance due or
20) Card Replacement Fee 0540-40 Rs. 500/-
Rs. 1,000/- (whichever is higher)
11) Over Limit Fee 0540-46 Rs. 1,000/- per instance 21) Utility Bill Payment 0640-13 Up to Rs. 25/- per transaction
12 a) Credit Guardian (Insurance) 3540-33 0.79% of the monthly outstanding balance 22) FX Conversion Charges on FCY Transactions Up to 5% over prevailing market rate
b) Credit Guardian Plus 3540-33 0.99% of the monthly outstanding balance 0620-13
or as per SBP directive. Third
13) Family Security Plan 3540-08 Plan A - Rs. 63/- per month currency transactions will be first
Plan B - Rs. 105/- per month converted into US Dollars as per rate
Plan C - Rs. 210/- per month quoted under arrangement with VISA
Plan D - Rs. 315/- per month and MasterCard.
14) Child Education Plan 3540-08 Plan A - Rs. 49/- per child per month 23) VISA / MasterCard Arbitration Charges 2080-15 USD 500/- or equivalent
Plan B - Rs. 98/- per child per month
Plan C - Rs. 125/- per child per month for Disputed Transactions
22
INTERNATIONAL BANKING
24) Refund CCs Regular CC charge as per page Note:
no. 1, Item No. 1 (a) will apply In addition to above, commission/service charges, recovery of courier/postage/
for all consumer refunds. fax charges will also be made according to prescribed tariff (wherever applicable)
25) ‘Galleria’ Picture Card Image 0540-40 Rs. 500/- per card In addition to the charges above, all applicable Government levies will also be recovered.
Placement / Replacement Fee A. IMPORTS
(for Basic and Supplementary Cards)
1) Cash Letters of Credit: 0640-04
26) UBL PSO Auto Credit Card Conversion 0540-40 Rs. 500/- per card
Fee (for Basic and Supplementary Cards) a) Where the annual volume does not Commission @ 0.40% per quarter or
exceed Rs.50 mln part thereof and subsequent quarter
27) Chip Maintenance Fee 0540-65 Rs. 250/- per annum 0.25%, Min. Rs.2,000/-
28) Platinum Priority Pass Fee 0780-99 b) Where the annual volume is over Commission @ 0.35% per quarter or
a) Membership / Annual Fee Free Rs.50 mln but does not exceed part thereof and subsequent quarter 0.25%,
b) Airport Lounge Visit Fee Rs.250 mln Min. Rs.2,000/-
USD 35/- per visit
29) Global Customer Assistance Service - Fees c) Where the annual volume is over Commission @ 0.25% per quarter or part
0540-40
i) Lost & Stolen Card USD 35/- per request Rs.250 mln but does not exceed thereof and subsequent quarter 0.20%,
ii) Emergency Card Replacement - VISA Gold USD 250/- per request Rs.500 mln Min. Rs.2,000/-
iii) Emergency Card Replacement - VISA Classic USD 225/- per request
iv) Emergency Cash Disbursement USD 175/- per request d) Where the annual volume is over Commission @ 0.20% per quarter or part
Rs.500 mln thereof and subsequent quarter 0.15%,
v) Emergency Service Request Denied or USD 50/- per request Min. Rs.2,000/-
Fulfilled by Issuer or Cancelled 2) Revalidation commission 0640-04 Revalidation commission will be recove-
vi) Cardholder Inquiry Service / VISA Assistance Centre USD 7.50/- per request red as is applied for opening fresh Letter
M. General Consumer Banking Charges of credit
1) Cheque Return Charges 0540-55 Rs. 500/- per cheque 3) Transfer Commission-Commission on Transfer commission will be charged as
2) Over the Counter Cash Payment 0540-53 Rs. 100/- per transaction account of change in the beneficiary / applicable in case of fresh letter of credit
(not applicable for Businessline) country of advising 0640-04
3) Payment at Collection Center 0540-53 Rs. 100/- per payment

4) Collection on Customer Call 0540-38 Rs. 250/- per pickup 4) a) Non reimbursable L/C under Barter 1% on 1st quarter and 0.30% for each
5) SMS Alert Fee 0790-05 Rs. 50/- per month Aid / Loans and Authorization to pay subsequent quarter or part thereof,
0640-04 Min. Rs.1,500/-
23
b) L/C, L/G under “Suppliers / Buyers Note
Commission @ 0.40% per quarter or In case forced PAD is created due to non payment on maturity against DA /
Credit” Pay As You Earn Scheme part thereof, Min. Rs.2,000/-
(PAYES) and deferred payment Supplier Credit L/C, commission @ 0.50% is to be charged (once only) in
L/Cs for period over one year addition to mark-up @ 60 paisas PTPD (or as revised from time to time) from the
0640-04/0640-08 date of maturity till the date of payment.
0640-47
c) In case of L/G undertaking to be Commission @ 1.6% per annum, 8) Contract registration for import
issued favoring any bank for Min. Rs.2,000/- on annual volume basis
providing forward cover exchange 0640-46
risk under Suppliers / Buyers Credit Up to Rs. 50 mln 0.40% (flat)
on behalf of applicant 0640-08
Up to Rs. 100 mln 0.35% (flat) Min. Rs.2,000/- (flat)
Rs. 1,800/- plus swift & communication Above Rs.100 mln 0.30% (flat)
d) L/C cancellation charges 0640-47
charge in actual
9) L/C Amendment Rs. 1,200/- per amendment ( flat) or
5) Registration of contract with SBP in Handling charges Rs.7,500/- (flat) 0640-47 commission at rates specified under items
respect of Private Foreign Currency 1 and 4 (a) above, if amendment involves
loans obtained by borrowers in increase in amount or extension in period
Pakistan from foreign lenders of shipment.
0640-50
6) Issuance of certificate regarding opening a) Rs.750/-per application (flat) upto 10) Contract Amendment Min. Rs. 1,500/- (flat)
of L/C or registration of contract to L/C amount of Rs.1.0 mln 0640-47
another bank for booking of forward 11) Import documents received
exchange at importer’s request b) For L / C amount over Rs. 1.0 mln - directly / indirectly from the Rs. 1,200/- (flat), plus service charges
0640-47 Rs.700/-(flat) supplier to the applicant / bank @15 paisa per Rs. 100/-, min Rs. 1,500/-
with / without registration of plus swift charges Rs.800/-
7) Bills are drawn at a Usance under a) Rs.1,200/-per bill (flat) contract and the payment made
the Letter of Credit other than there against.
Pay As You Earn Scheme and Supplier b) Extra Commission @ 0.10% per 0640-46
/ Buyer Credit and Deferred Payment month or part thereof for any period
beyond the L/c validity till maturity 12) Mark-up & commission in case of
Letters of Credit on yearly basis of the bill. import bills under import L/Cs
0640-04
24
a) Mark-up in case of import bills 54 paisas per Rs.1,000/-per day from the date 15)Service charges on retirement of
under Import Letters of Credit of negotiation till the date of retirement (on the import bills under L/c’s / Contracts
0600-02 amount for which PAD is created less cash 0640-46
margin held there against). 1- Opened by us where Fx @ 15 paisa per Rs.100/-, Min. Rs.1,500/-
b) In addition to mark-up as per (12) conversion / forward is done by us
(a), Banks commission on the 2-Opened by us where Fx @ 18 paisa per Rs.100/-, Min. Rs.1,800/-
amount from which PAD is created conversion / forward is done
less margin held there against is by other banks
to be charged as under : 0640-03 16) Reimbursement charges (payable At Actuals
to Reimbursement Bank) 0640-46
i) If retired within 10 days from the No Commission 17) Handling of discrepant USD 60/- or equivalent plus swift
date of lodgement 0640-03 documents under import L/Cs charges and FED
18) Issuance of freight certificate for Rs 1,200/- per certificate
ii) If retired during 15 days subsequent 25 paisas per Rs.100/- imports on FOB basis 0640-46
to the period at item (i) above 0640-03 19) Extension in maturity of usance Rs 1,500/- (flat) per bill
bills under L/C / Bank Contract.
iii) If retired during next 15 days after 30 paisas per Rs.100/- 20) Expense Recovery Protest/ Actual + USD 25/-
the period mentioned in (i) and Legal Charges 0640-46
(ii) above 0640-03

21) Handling of Imports Documents Rs. 1,200/- (flat)
againts PAD Bills (Sight Bills)
0640-46
iv) If retired during next 190 days 40 paisas per Rs.100/- 0640-03
after the period mentioned in item
(i) (ii) and (iii) above 0640-03 22) Duplicate advice issuance 0640-50 Rs.350/- per duplicate advice
23) FED invoice certificate Rs.1,000/- per certificate
13) Import bills returned unpaid 0640-46 Handling charges US $ 100/- (flat) 24) Issuance of business performance Rs.3,000/- per certificate
plus courier charges Rs. 1,500/- certificate of previous years at the
0640-50
14) a) Collections 0640-46 Rs. 1,200/- (flat) per collection customer request
b) Import against advance payment Rs. 1,200/- flat, plus service charges
to suppliers @15 paisa per Rs. 100/-, min Rs. 1,500/-
0640-03 plus swift charges Rs.800/-
25
Note:
f) Reimbursement payment to other Rs.500/-(flat)
The Bank reserves the right to charge different rates on the basis of volume and
local banks from non-resident
security offered subject to prior approval by concerned sanctioning authority. rupee A/c 0640-50
/ fax charges will also be made according to prescribed tariff (wherever applicable) 3) Advance Payment
*** In addition to the charges above, all applicable Government levies will also be recovered. a) Service charges 0640-34 0.15% Min Rs. 400/-
b) Commission 0640-02 Rs. 200/- (flat)
B. EXPORTS
c) Export Development Surcharge As per prevailing SBP regulations
1) Processing charges for 0640-34 Rs.200/- (flat) 3590-18 (as and when the shipment is effected).
Export Registration 4) EDS handling charges 0780-52 Rs. 80/- (flat) per transaction
2) Letter of Credit 0640-31
a) Advising 5) If the documents are sent to other Rs. 350/-(flat)
(i) Beneficiary in Pakistan Rs.1200/- (flat) banks for negotiation under restricted
(ii) Beneficiary outside Pakistan US$ 50/- (flat) letter of credit 0640-50
6) Collections
b) Amendment Advising 0640-31
(i) Beneficiary in Pakistan Rs.800/- (flat) a) Clean cheques / Drafts / FTCs Rs.100/-
(ii) Beneficiary outside Pakistan US$ 30/- (flat) 0640-50
c) Negotiation of bills against L/C issued 0.25%, Min. Rs.200/- b) Documentary (on which bank does Rs. 200/- per collection (flat)
under barter / remittance from SBP not earn any exchange difference)
(rupee bill) 0640-34 0640-50
d) Confirmation 0640-51 0.25% per quarter or part thereof, 7) Duty Drawback Claim. 0640-50 0.25% of the amount of claim,
Min. Rs.250/- Min. Rs. 250/- per case
e) Transfer of Export L/Cs 0640-31 Rs.1,200/-(flat)
26
8) Service charges against export 13 paisas per Rs.100/- b) Negotiation (Usance) (Delayed Realization) Mark-up rate @ 54 paisa per
documents sent for collection basis If payment of foreign / local bills realized within Rs.1,000/- per day to be charged
where payment cover is already 03 days, no mark-up to be charged. Incase
received to our Foreign Currency
Account 0640-34 proceeds not realized/credited to our account
within 03 days from the date of the maturity till
9) NOC Issued Document transferred Rs. 500/- per bill its adjustment than mark-up is applicable to our
against export document 0640-34
customer’s NICF facility or as per special approval
by the competent authority. In case of no NICF
10) Freight Subsidy 0780-53 Rs. 250/- per case facility is available to the customer than mark-up
will be charged 0010-11
11) Research & Development 0640-50 0.25% of the amount of claim,
Surcharge - R&D handling charges Min Rs. 250/- per case Note:
The Bank reserves the right to charge different rates on the basis of volume and
12) Any Certificate issued in current 0640-65 a) Original Rs.1,000/- per certificate security offered subject to prior approval by concerned sanctioning authority.
Financial year including withholding b) Duplicate Rs. 2,000/- per certificate *In addition to above, commission/service charges, recovery of courier/postage
tax certificate / fax charges will also be made according to prescribed tariff (wherever applicable)
13) Trade Development Authority 0640-65 Rs. 200/- per certificate *** In addition to the charges above, all applicable Government levies will also be recovered.
Registration certificate verification 16) Issuance of business performance certificate of Rs.2,500/- per certificate
previous years at the customer request 0640-50
14) Duplicate advice issuance Rs.250/- per duplicate advice 17) FED invoice certificate Rs.1,000/- per certificate
0640-50
18) Export LC Cancellation Rs.1,500/- plus swift &
15) a) Negotiation of documents drawn 0010-11 communication charges
under sight letter of credit (Delayed Realization) 19) Export Proceeds Transfer Flat charges Rs. 500/- only on
If proceeds not realized / credited to our Mark-up rate @ 54 paisa per Out-Bound Export proceeds in FCY only
C. REMITTANCES
customer’s account within 12 days than Rs.1,000/- per day to be charged 1) Outward
mark-up is applicable to customer. NICF a) Foreign Travelers Cheques 0640-28 1% of the amount of travelers
facility will be charges for any delay beyond cheques sold, Min. Rs.400/-
12 days. Incase no NICF facility to customer b) i) Remittance abroad through Commission @ 0.25% per
than mark-up will be charges Foreign Currency Account 0640-07 US$ 1,000/- or part thereof,
Min. US$ 10/-, Max US$100/-
27
ii) Remittance against surrender In addition to cash handling charges and iii) Service charges on issuance of @ 15 paisas per Rs.100/-, Min. Rs. 500/-
of Foreign Currency notes or commission mentioned under (b) (i) above, FMT/FDD against Export 0640-07
cash deposited in Foreign service charges @ 0.25% to be
Currency Accounts within 15 recovered Min Rs.200/- d) i) FDD / FTT cancellation charges Rs. 500/- per item
days from the date of such 0640-07
deposit 0640-07
ii) Under general permission or Rs.250/-
iii) Foreign Currency cash deposited In addition to commission mentioned at specific approval of SBP 0640-07
in Foreign Currency account for (b) (i) above, service charges @ 0.25%
realization of export proceeds to be charged in case of realization of iii) FDD / FTT cancellation charges Rs.500/- per cancellation
0640-07 export proceeds against cash deposited
against Export 0640-07
in Foreign Currency Account
e) i) Issuance of duplicate FDD Rs.400/-
iv) Collection for Foreign Currency 0.6%, Min US$ 7/-, Max US$ 15/- 0640-70
Account 0640-07
v) Account to account transfer Commission @ US $1/- per 1,000/- or ii) Issuance of duplicate FDD Rs.500/- (flat)
of Foreign Exchange Companies part thereof, Min. US $ 8/- Max. US $75/- under Export 0640-70
in Foriegn Currency Accounts 2) Inward
(having same title of accounts) a) Home Remittance No Commission
within UBL Branches (Locally)
b) Others 0640-70 Nil, if the proceed are credited to an
c) Remittance abroad other than
through Foreign Currency Account account with UBL. In other cases, flat
0640-07
charges @ Rs.500/-
i) Students (for education purpose) Rs. 200/- c) Service charges on payment of Inward Favoring UBL Customers:
0640-07
Foreign Remittance/Swift Transfer @ 0.15%, of remittance amount with
ii) Service charges against @ 15 paisas per Rs.100/-, Min. Rs. 400/- received in Foreign Currency (Charges Min USD 5/- and Max USD 20/-
issuance of FMT / FDD / TC code SHA/BEN/OUR) and cover (Equivalent Pak Rupees).
against Pak Rupees through our various Nostros. These Beneficiaries with other local banks:
(Not applicable on advance charges are to be recovered only @ 0.15%, of remittance amount with
payment imports) 0640-07 when TT buying rate is applied. Min USD 10/- and Max USD 25/-
0640-70 (Equivalent Pak Rupees)
28
d) Inward cheques expressed in Rs.0.15%, Min. Rs.400/- a) Postage (Within City)* 0800-01 i) Foreign at actual Min. Rs.150/-
Foreign Currency drawn on Foreign ii)Within City for import and export Rs. 200/-
Currency accounts received from
local / upcountry bank’s branches b) Postage ( Within City- Registered)* Foreign at actual, Min. Rs.150/-
0800-01
for payment in Pak Rupees after
conversion at authorised dealers *Note: UBL Branches, Joint Ventures and Subsidiaries exempted.
buying TT clean rates 0640-70
c) Fax / Telephone / SWIFT 0810-01 Full SWIFT L/C, Guarantee and Long
e) Clean Collection-Using Foreign Messages Min. Rs. 2,000/- or actual
Correspondent arrangements whichever is higher. Short SWIFT/
LC amendment Rs. 800/- or actual
i) Collection for Foreign Currency Account or 0.6%, Min US$ 7/-, Max US$ 15/- or whichever is higher
Rupee Account 0640-70 Equivalent Rupee per collection 0800-05
(in Addition to foreign Bank charges) d) Courier Foreign Rs.1,300/-
ii) Cheque/Draft/FTCs Returned unpaid Rs. 400/- (flat) 3) Foreign bills sent for collection 0640-50 Rs.500/- (flat)
0640-70 returned unpaid
iii) Postage 0640-70
Rs. 200/- (flat)
4) Inward collection received relating US$ 5/- per US$ 1,000/- or part there
Note: to Foreign Currency A/c from abroad of and Max. US$ 15/-
*In addition to above, commission/service charges, recovery of courier/postage or local banks / branches and where
/ fax charges will also be made according to prescribed tariff (wherever applicable) the payment is demanded in Foreign
**Charges negotiable on case to case basis under approval of relevant Business Head. Currency 0640-50
5) Inward Foreign Currency cheque, Commission @ 0.10%, Min. Rs.200/-
D. MISCELLANEOUS received from local branches,
upcountry branches or local banks
1) Correspondent Banking charges At Actuals for payment in Pak Rupees (convert
0800-01 the relevant Foreign Currency at the
2) (Postage / Fax / Telephone / SWIFT and TT Buying rate)
Courier)
29
6) Issuance of proceeds certificate Rs.500/- (flat) per certificate Incase of no NICF facility is available to the
beyond one year 0640-50 customer then markup @ 54 paisa per
Rs.1,000/- per day to be charged.
7) Credit check at customer’s request Rs.300/-
11) Issuance of business performance Rs.2,000/- per certificate
0640-50
certificate of previous year’s
8) Service charges for verification of Rs.500/- per instance at customer’s request 0640-50
test / signature and mail L/Cs 12) (a) Cash handling charges on Free
0640-50 Foreign currency accounts for
over the counter cash deposits
9) Standing instructions charge in US$ 5/- per transaction of USD, GBP & Euro. 0780-52
foreign currency accounts
0640-20 (b) Cash handling charges on 1.5% Min Rs. 200/-
Foreign currency accounts for For SAR & JPY only (AED Exempt)
10) a) N e g o t i a t i o n o f d o c u m e n ts If proceeds not realized / credited to our over the counter cash deposits
drawn under sight letter of credit customer’s account within 12 days then of other currencies i.e.
0010-11 markup @ applicable to our customer SAR,AED,JPY etc. 0780-52
NICF facility to be charged for any delay
13) FED invoice certificate 0640-50 Rs.500/- per certificate
beyond 12 days. Incase no NICF facility
to the customer then mark up @ 54 (Import & Export)
paisa per Rs. 1,000/- per day to be
charged.
b) Negotiation (Usance) 0010-11 If payment Foreign/Local bills realized within Note:
3 days, no markup to be charged. Incase *In addition to above, commission/service charges, recovery of courier/postage/
proceeds not realized/credited to our account fax charges will also be made according to prescribed tariff (wherever applicable)
within 3 days from the date of maturity then **Charges negotiable on case to case basis under approval of relevant Business Head.
markup to be charged from the date of *** In addition to the charges above, all applicable Government levies will also be recovered.
maturity till its adjustment @ applicable to
our customer’s NICF facility or as per
special approval by the competent authority.
30
IMPORTANT NOTES
Signature Priority Banking Customers: Please refer to your Priority Lounge Relationship Manager for other applicable waivers on Schedule of Charges, including FCY Accounts.
Where Online system is down, remittance may be sent by other means but UniRemote charges will be recovered.
See Page 11 for waivers on Business Partner Accounts & Business Partner Plus.
All Government levies including FED will be recovered where applicable.
All regular branch banking charges will be applied for the transaction through branches.
Commission / service charges, recovery of courier / postage / fax charges will also be made according to prescribed tariff (wherever applicable.)
All rates are subject to change.
As per clarification given by the SBP Foreign Exchange Department 6734/ FEP.9 (126-242)-95 dated 19-12-95 it is advised that in the case of letter of credit or for that matter
‘‘Authorization to pay” opened by the Department of the Federal or Provincial Governments whether routed through State Bank of Pakistan or not Letters of Credit commission is
to be charged at the rates given in Para 37 (ii) Chapter XIII of Foreign Exchange manual (8th Edition-2002). However for letters of credit “Authorization to pay” opened by other public
sector agencies in Federal / Provincial Government including autonomous, semi autonomous bodies e.g., K.E.S.C. Limited, WAPDA, PTCL, etc. , the commission is to be charged
from the openers by the banks as per their own schedule of charges.
The Bank reserves the right to charge different rates on the basis of volume and security offered subject to prior approval by concerned sanctioning authority.
OBC charges for Intercity UniRemote transactions would not apply
Charges for Cash Collect will be subject to contractual agreement with the customer.
Symbol branches to use SL Codes as suggested by migration team till further instructions.
31
AMENDMENTS AND NOTES AMENDMENTS AND NOTES
32
AMENDMENTS AND NOTES AMENDMENTS AND NOTES
33

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Contents

DOMESTIC BANKING Page INTERNATIONAL BANKING Page

A. Remittances 01 A. Imports 23-24-25-26

Consumer Banking 16-17-18-19-20-21-22-23

03 days, no mark-up to be charged. 2) a) Statement of Account through mail Free

Locker Rent Free* Duplicate Account Statement Free

Issuance of Rupee Travelers Cheque Free Issuance of RTC Free

20) Emigration Certificate 0640-19 Rs.100/- per certificate

UBL SIGNATURE – PRIORITY BANKING

2) Non-reimbursable letters of credit 3/8% (0.375%) irrespective of the value

A. Omni Service Fee d) Service Fee at UBL Omni Dukaan

c)**Omni Transaction Package Fee f) Omni Dukaandar

**Waived if Customer maintains e-Transaction Silver Account

Basic Minimum Average Balance Above 10,000 in last three months

(Please visit UBL Website for updates)

iii) Balance inquiry

Note: c) International VISA Usage 0640-41

2) UBL Wiz Prepaid VISA Debit Cards

b) Switch Transaction Fee 0640-60

H. i) UBL CASHLINE I. UBL MONEY

3) Payment at Collection Center 0540-53 Rs. 100/- per payment

(ii) above 0640-03

All Government levies including FED will be recovered where applicable.

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