Schedule of Bank Charges

Schedule of Bank Charges
Jan - Jun 2015
United Bank Limited
Table of Contents
Schedule of Bank Charges
(Exclusive of FED/Sales Tax, & other Govt. Levies etc. wherever applicable)
Effective form January 01, 2015
Sr. #
Description
Page#
01. DOMESTIC BANKING
A. Remittances
B. Bills
C. Project Finance/Advances/UBL Business Line
D. Sale / Purchase of Securities, Custody of
Articles in Safe Deposit & Safe Deposit Lockers
E. Guarantees
F. Local Trade Business
G. Miscellaneous Charges
01-14
02
03
04-06
06-08
UBL Signature - Priority Banking
Bank Charges for Government Business
Branchless & E-Banking
Consumer Banking
15-17
18-19
20-24
25-31
02.
03.
04.
05.
06. International Banking
08-09
09-11
11-14
32-38
07.
A. Imports
B. Exports
C. Remittances
D. Miscellaneous
Communication Charges - General
08.
Important Notes
09.
UBL AMEEN ISLAMIC BANKING
Domestic Banking
41
42-54
A.
B.
C.
D.
Remittances
Bills
Project Finance/Advances
Sale / Purchase of Securities, Custody of
Articles in Safe Deposit & Safe Deposit Lockers
E. Guarantees
F. Local Trade Business
G. Miscellaneous Charges
43-44
44
44-46
46
Consumer Banking
International Banking
55-57
A.
B.
C.
D.
60-61
61-62
62-64
64
10.
11.
Imports
Exports
Remittances
Miscellaneous
12.
Communication Charges
13.
Important Notes
33-34
34-36
36-37
38
39-40
40
47-48
49-53
53-54
58-64
65-66
66
DOMESTIC BANKING
DOMESTIC BANKING
01
DOMESTIC BANKING
Particulars
Charges
Code
GL
SC
A. REMITTANCES
1) Cashier's Cheque/Corporate Bankers
Cheque - CBC
54200100 1009
a) Issuance of Cashier's Cheque / CBC Through Account
Through Cash (For account holder &
non account holder)
Rs. 200/- (flat)
0.2% or Rs.1,000/whichever is higher
b) Cancellation of Cashier's Cheque /CBC
For Account Holders
For Non Account Holders
c) Issuance of Duplicate Cashier's Cheque /CBC
d) Issuance of instrument for payment of
fees/dues in favor of Educational
Institution HEC/Board etc.
54200110 1009
54200150 1010
Rs. 300/- (flat)
Rs. 500/- (flat)
Same as 1(a) above
54200120 1011
0.50% of fee/dues or Rs.25/- 54200100 1009
per instrument whichever is
less.(Charges are inclusive
of Sales Tax/FED)
2) Inter Branch Online Transactions-both Within
City & Intercity
Note: No service fee shall be charged from
students depositing the amount of fee
directly in the fee collecting account
54203670
a) Cash Deposits (Charges are to be
recovered from the Depositor)
i) Within City
Free
0.10% or Min Rs. 350/ii) Intercity
whichever is higher
54200200
b) Online Funds Transfer in PKR (Account
to Account transfer within UBL)
(Charges are to be recovered from the
remitter)
i) Within City
Free
ii) Intercity
0.10% or Min Rs. 350/whichever is higher
54200250
c) Inter Bank Funds Transfer - IBFT via
Rs. 400/- (flat)
Branches and Contact Centre (through
1 Link within Pakistan only; charges are to
be recovered from the remitter)
54203680
d) Cash Withdrawals (Charges are to be
recovered from the account holder)
54200280
i) Within City
Free
ii) Intercity
0.20% or Min. Rs. 375/whichever
is
higher
e) UBL Cheque Deposit
(Charges are to be recovered from the
Beneficiary)
i) Within City
Free
0.10% or Min Rs. 375/ii) Intercity
whichever is higher
54200240
3) Inter Branch (A/c to A/c) Foreign Currency
Funds Transfer (Charges to be recovered
from Remitter)
a) Within City
Free
Minimum
b) Intercity
GBP 3/USD 5/AED 20/EURO 4/SAR 20/or 0.10% whichever is higher
54200150
4) DD/MT/PO Cancellation Charges
Rs. 500/- (flat)
54200300
5) Issuance of SDR (Security Deposit Receipt)
Through Account
Free
Through Cash
Rs. 1,000/- (flat)
54200400
6) Duplicate SDR / TDR / FDR Issuance Charges Rs. 250/- (flat)
7) Rupee Travelers Cheques
54200450
a) Issuance of Rupee Travelers Cheques
Rs. 10/- per leaf
54200450
b) Refund in Lieu of Lost Rupee Travelers Rs. 500/- per application
Cheques
1006
1007
-
1008
1015
1007
1010
1109
1111
1012
1013
Note:
The Inter Branch (account to account) Foreign Currency Funds Transfer facility is available in all branches.
02
DOMESTIC BANKING
Particulars
Charges
Code
GL
SC
In addition to above, commission/service charges, courier/postage / fax charges will also be recovered
according to prescribed tariff (wherever applicable)
In addition to the charges above, all applicable Government levies will also be recovered.
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
For
. Inter Branch Online transaction, OBC charges would not apply.
Where Online system is down, remittance may be sent by other means but Inter Branch Online
Transactions charges will be recovered
See Page 12 - 13 for waivers on Business Partner and Business Partner Plus Account.
ISB/Rwp, Chenab Nagar (Rabwah)/Chiniot and Khusab/Jahurabad are to be treated as twin cities &
all online transactions should be treated as within city.
B. BILLS
1) a) Clean (including cheques / dividend
0.25%, Min. Rs. 250/warrants / Bank Drafts / beyond NIFT / OBC Max Rs. 10,000/Centers/ APC etc).
b) Intercity Clearing Charges
Rs. 300/- (flat)
54201450 1014
54203660 1089
c) Deduction of Cashier's Cheque Issuance Rs. 200/- (flat) plus courier
charges or actual wherever
Charges in Direct Collection where
applicable
NIFT/NBP services are not available
Note:
In case urgent collection of Local cheque of Rs. 0.500 mln and below, additional charges of
Rs. 200/- per collection and above Rs 0.500 mln, additional charge of Rs 300/- per collection is
to be recovered.
Postage / Courier charges are to be recovered on collection / realization of each instrument
(whether clean or documentary). However, in case where party has deposited more than 1
cheque instrument on particular date to be collected /drawn on the same branch of the bank,
postage / courier charges are to be recovered only once.
Collecting agent's charges, if the collecting bank is other than the bank, will also be recovered.
Communication charges will be recoverd, if fate of the instrument is asked for by telephone.
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 local clearing.
OBC charges only to be collected where cheques are physically lodged in collection.
2) Purchase of Bills:
a) Documentary other than those drawn
against Letter of Credit
0.40%, Min Rs. 800/- plus
mark-up from the date of
purchase to the date of
payment. (Plus
Communication Charges)
0.60%, Min Rs.250/(Plus Communication
Charges)
b) Other cheques / demand instruments
(like Dividend Warrants)
c) i) Returning charges for documentary /clean
collections from payee account in case
the instruments are returned unpaid
Rs. 500/- per transaction
For PKR Account
For FCY Account
USD 10/- or equivalent
per transaction
ii) Returning charges for documentary / clean
collections from drawer account in case
the instruments are returned unpaid
For PKR Account
Rs. 500/- per transaction
For FCY Account
USD 10/- or equivalent
per transaction
d) Mark-up shall be applied as under on bills
purchased / negotiated
i) If retired upto 21st day from the date of 54 paisa per Rs.1,000/purchase
per day on actual finance.
ii) If retired during next 210 days
54 paisa per Rs. 1,000/per day plus Bank’s
commission @10 paisa
per Rs. 100/-
54206300
-
54206300
-
52700430
-
54206300
-
Note:
In addition to above, commission/service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
03
DOMESTIC BANKING
Particulars
Charges
e) Storage charges
i) Free, if cleared within 3
days of its receipt by the
branch.
ii) Rs. 2/- per packet per
day, Min Rs.100/-
Code
GL
SC
54206300
-
C. i) PROJECT FINANCE /ADVANCES
Following charges may be recovered in addition
to interest / markup / return on investment
1) Fee and charges in respect of Project Financing
a) Project evaluation / Appraisal fee
On case to case basis as
per agreement with the
party.
b) Commitment fee (on undisbursed balance)
from the date of sanction to the date of
disbursement (on fund based commitment
only)
c) Legal documentation fee for Trade Related /
Project Finance
54202000 2001
On case to case basis as
per agreement with the
party.
54202050 2002
On case to case basis as
per agreement with the
party.
57800600
-
d) Trusteeship fee (to be recovered by the lead On case to case basis as
bank in case of consortium financing)
per agreement with the
party.
54202100 2003
e) Restructuring and Re-scheduling fee
On case to case basis as
per agreement with the
party.
54202150 2004
f ) Restructuring and Re-scheduling fee for
SAM related projects
On case to case basis as
per agreement with the
party.
At Actual
54202150 2006
2) Evaluation charges of property for security
Purpose
3) Non-Refundable Processing Fee for SME /
Commercial Advances including Funded and
Non-Funded Facilities
54202000 2005
54202200 2007
Upto Rs. 1 mIn
Fresh / enhancement /
renewal CA Rs. 5,000/0.7% of facilities amount,
whichever is higher.
Above Rs.1 mIn and upto Rs.100 mln
Fresh/ enhancement/
renewal CA Rs. 7,500/- or
0.05% of facilities amount,
whichever is higher.
Above Rs. 100 mln
Negotiable with subject to a
minimum of Rs. 50,000/-
4) For finance against pledge / hypothecation:
a) Godown Rent
At Actual
54202250 2008
54202250 2009
b) Godown staff salaries of Godown Keepers / At Actual
Chowkidar.
c) Godown Inspection Charges
Shall be credited to Bank's 54202250 2010
Income Account
i) Within municipal limits or within a radius of
10 kilometers from the branch
Stock Value Upto Rs.1 mln
Stock Value Above Rs.1 mln to 5 mln
Stock Value Above Rs.5 mln to 10 mln
Stock Value Above Rs.10 mln
04
54202250 2010
Rs.200/Rs.500/Rs.1,000/Rs. 2,000/Plus actual conveyance
charges
(Max. one visit per month)
DOMESTIC BANKING
Particulars
Charges
ii) Outside the above limits
T.A. & D.A. as per rules.
Applicable to staff only in
addition to charges at
‘‘c (i)’’above
Code
GL
SC
54202250 2010
54202250 2010
iii) Seasonal lending (cotton, rice etc.)
Stock Value Upto Rs.5 mln
Stock Value Above Rs.5 mln
Rs.300/Rs.500/Plus T.A. & D.A. as per
rules. Applicable to staff only
d) Delivery Charges
i) If a Godown Keeper is not posted,
conveyance charges will be recovered
ii) Directors search / charge search / local
credit report / independent stocks
verification / independent credit report /
assets valuation
e) CIB Report
i) For Individual
ii) For Corporate Entities
At Actual
54202250 2011
At Actual
57800700 2012
Rs.100/- (flat)
Rs. 300/- (flat)
f) Other Incidental Expenses:
Insurance Premium, Legal Charges etc.
g) Handling charges on marking of lien on
Govt. Securities
h) Marking of lien on securities issued by
UBL for other banks
5) Other Charges on Advances
a) For the Issuance of NOC on the request of
customers for creating additional/ pari-passu
charge/second charge on their fixed assets
for acquiring further project finance, finances
from other banks/financial institutions.
b) For the Issuance of NOC on the request of
customers for creating charge on their
current assets.
6-a) Redemption of charge fee to be recovered
from the party when bank officers are called
before Registrar for redemption for the
mortgage.
b) Vacation of Charges
7-a) Registration with SECP & Lawyer's
charges for both Private & Public limited
companies where charge on current or
fixed assets is registered
b) Registration of charge at Registrar's office.
For Partnership/Proprietorship firms/
individual finances exceeding Rs.0.500 (M)
for mortgage at registrar of Property office
8) Agri Proposal Processing Fee on Booking of
New Customers/Fresh Facility or Enhancing
the Limit
At Actual
57800500 2013
Rs.500/- (flat) per customer
54202300 2014
Rs.500/- (flat) per customer
54202300 2015
Rs.10,000/- (flat) per
transaction
57800500 2016
Rs.10,000/- (flat) per
transaction
57800500 2017
Rs.2,500/- (flat) per
property
57800500 2018
Rs.1,000/- per property
Actual plus Rs. 1,000/- per
case
57800500 2019
Actual plus Rs. 1,000/- per
case
57800500 2021
57800500 2020
i) Rs.1,000/- for Fresh
54202200 2022
2033
Farm Loans/Enhancements
of limits up to Rs.1 mln
ii) Rs.2,000/- for Fresh
Farm /Enhancements of
limits exceeding Rs.1 mln
iii) Rs.3,000/- for all Non
Farm limits (Fresh /
Renewals / Enhancements)
Note:
In addition to above, commission/service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
2022 (Form Credit / Loan), 2023 (Non Form Credit / Loan)
05
DOMESTIC BANKING
Particulars
Charges
Code
GL
SC
C. ii) UBL BUSINESSLINE
As per the loan documents, 54202200 3006
or Rs. 5,000/-(non-refundable),
if not specified
As per the loan documents, 54202000 3007
or Rs. 4,000/- (non-refundable),
if not specified
1) Processing Charges
2) Appraisal Charges
3) Legal Charges
As per the loan documents, 57800600
or Rs. 4,000/- (non-refundable),
if not specified
-
4) Income Estimation Charges
As per the loan documents, 54205600
or Rs. 5,000/- (non-refundable),
if not specified
-
5) Late Payment Charges
2% on outstanding principal,
if not specified.
54205500 3009
6) Property Insurance
As specified in the loan
documents, or actual (max
of 3%) if not specified
Optional. As per the rate
quoted by the Insurance
Company.
As per the loan documents,
or Rs. 2,000/- if not
specified
Regular CC charge as per
page no. 2, Item No. 1 (a)
will apply for all consumer
refunds.
As per the loan documents,
or @ 0.05% of credit line or
Rs. 5,000/- whichever is
higher, if not specified
54302200
-
54302200
-
54208050
-
54200100
-
7) Life Insurance
08) Default due to lack of funds on standing
instructions
09) Refund via cashier’s cheque (CC)
10) Line Renewal Charges
54202200 3008
Note:
These Charges are quoted by the vendor & are subject to change.
In addition to above, commission/service charges courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Govt. levies will also be recovered including
Sales Tax/ FED
D ). SALE AND PURCHASE OF SECURITIES,
SAFE CUSTODY ARTICLES IN SAFE
DEPOSIT AND SAFE DEPOSIT LOCKERS
1) Refund to unsuccessful applicants for IPOs
a) For A/c holder
b) For non A/c holder
2) Sale / purchase of shares and securities
3) Shares / securities held in safe custody (to be
recovered on quarterly basis)
4) Withdrawal fee on shares and securities held in
safe custody (to be recovered at the time of
withdrawal)
54202750
Free - A/c Credit
Same as Cashier's Cheque
(Ref page No.1,( 1-a )
Rs. 500/- flat per transaction
54208050
Rs. 850/- flat
-
54208050
-
0.25% upto Rs.10,000/-of
the paid-up or face value
54208050
Min Rs.50/- and 0.125 % on
amount exceeding
Rs.10,000/- Min Rs.100/Rs.10/- per scrip, Min. Rs.75/-
0.30% on amount of interest 54208050
54208050
6) Charges for collection of interest / return / dividend /return dividend collected/
paid Min Rs.20/- plus out of
pocket expenses Rs. 8,000/5) Withdrawal fee on Govt. Securities
06
-
-
-
DOMESTIC BANKING
Particulars
Charges
7) Charges for Voice Biometric per year
8) Stop payment Charges per Dividend Warrant
9) NIFT charges on the Dividend Warrant
Up to Rs. 500/-
Code
GL
SC
54208050
-
54202700
-
54208050
-
11) Public flotation of shares / Modaraba Certificates Commission @ Min. 0.5% of 54208050
/ Offer for sale of shares / Disinvestment / Term total amount of successful
applications plus out of
Finance Certificates/Sukuk
pocket expenses, Min.
Rs.25,000/- and Max
Rs. 100,000/- (subject to
negotiation of rate based
on volume of business)
-
12) Issue of Right shares
54208050
Commission @ 0.50% on
aggregate amount of
successful applications,
plus out of pocket expenses,
Min. Rs.20,000/- (subject to
negotiation of rate based on
volume of business)
-
13) Articles in safe deposit - Envelopes
i) Boxes & Packages Rs. 5/- 54208050
flat per 100 cubic inches or
any part thereof with a
minimum of Rs. 400/- per
quarter.
ii) Envelopes Rs. 3/- flat per
25 square inches or any part
thereof with a minimum of
Rs. 400/- per quarter.
-
10) Handling charges for conversion / renewal /
consolidation or sub-division of Govt. securities
Rs.150/- flat
No NIFT charges if MICR
codes are on the Dividend
Warrant otherwise Rs.10/each
Rs.20/- per scrip
14) Lockers
Safe deposit lockers fee to be recovered in advance at the commencement
of the period
a)
Small Medium Large Extra Large
54202850 1017
Annual fee
3,000/- 4,000/- 6,000/10,000/Key Deposit (One time only)
3,000/- 3,500/- 4,000/5,000/54208050
b) Late payment charges
10%* of the applicable
(plus over due yearly rent)
annual locker rent every year
Note:
*Late payment charges will be recovered once
annually after rent is overdue for more than
30 days
c) Breaking Charges
Rs 3,500/- (flat) per Locker
or at actual, whichever is
higher
15) Investor Portfolio Securities (IPS) Account Domestic Clients
a) Custodial Charges
Free
b) Transaction Charges (Sale & Purchase)
Free
c) Security Movement/Transfer Charges
Free
d) IPS Statement
Quarterly Free On Demand
Rs. 100/- per statement
16) Investor Portfolio Securities (IPS) Account International Clients (SCRA)
a) Custodial Charges
Upto Rs.100/- mln - 0.05%
p.a. per issue
Above Rs.100/- mln 0.025%
p.a. per issue
b) Primary Market Participation Fee
5 bps per transaction
c) IPS Statement
Quarterly Free
On Demand Rs. 100/- per
statement
Rs. 500/- per transaction
d) Security Movement/Transfer Charges
07
54205500 1019
54202850 1020
54202600
-
54202600
-
54202600
-
54202600
-
54202600
-
54202600
-
DOMESTIC BANKING
Particulars
Charges
Code
GL
SC
Note:
In addition to above, commission/service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
E. GUARANTEES
1) Guarantee issued to shipping companies in lieu Rs.1,500/- (flat)
of Bills of Lading / Endorsement of Airway Bills
54203000 SGT
2) Guarantees secured by cash margin / lien
over deposits
0.50% per quarter or part
thereof, Min. Rs.500/-
31501020 MO2 /
MO3
3) Consortium / Syndicate Guarantees
As per Term Sheet
applicable for the entire
Syndicate members
54203150
4) Other Guarantees
(Quarter will start from the
Where total volume of guarantees being issued date of issuance of
on behalf of customer during a calendar year is: Guarantee)
(a) Upto Rs.25 mln
0.50% per quarter or part
thereof
(b) Rs.50 mln
0.40% per quarter or part
thereof
(c) Rs.100 mln
0.35% per quarter or part
thereof
-
54203150 BGC
(d) Over Rs.100 mln
Negotiable (see note below)
Minimum Commission
Rs.2,000/- per annum per
Guarantee or Rs.600/- per
quarter wherever Guarantee
validity is less than one year.
Charges may be waived
against 100% cash kept in
Margin Account
5) a) Back to Back guarantees including issued As per Other Guarantees,
against counter guarantee of Foreign
Clause 4, above
correspondent bank and Performance
(commission subject
Bonds, Bid Bonds, Advance Payment
negotiations with clients
Guarantees, etc.
and correspondent
arrangements)
Min USD 100
b) Counter Guarantee issued by us for guarantee As per Other Guarantees,
issuance abroad
Clause 4, above (commission
subject to negotiations with
clients and correspondent
arrangements) Min. 100
USD
6) Amendment
54203150 BGC
54203150 BGC
Rs.1,200/- per amendment
(flat) or commission at rate
specified above if amendment
involves increase in amount
or extension in period. Incase
of back to back Guarantee:
USD 75 or commission at rates
specified under item 5 (a) and
(b) above, if amendment
involves increase in amount
or extension in period.
54203150 BGC
7) Service charges for handling claims lodged by
beneficiary
a) Guarantees issued at customer's request Rs 1,800/- (flat)
within Pakistan
USD 120 (flat) or equivalent
b) Guarantees issued at request of foreign
banks / back to back
c) Guarantees issued by banks abroad at our USD 120 (flat) or equivalent
request
54203150 BGC
08
DOMESTIC BANKING
Particulars
Charges
Code
GL
SC
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.
In addition to above, commission/service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head /
Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
F. LOCAL TRADE BUSINESS
1) Local Imports LC
a) Inland Letters of Credit issuance
Upto 0.4% per quarter or
part thereof Min Rs. 2,200/Rs.1,500/- (flat) per
transaction plus commission
as per item a) above if
increase in amount.
b) Inland LC Amendment charges
c) Swift Charges
54206000 LOC
54206050 AMC
57800400 SWF
i) LC Issuance
Min. Rs.2,000/- or actual
whichever is higher
Min. Rs.1,000/- or actual
whichever is higher
ii) Amendment Issuance
d) Duplicate Advices
e) Sales Tax/ FED invoice certificate
f) Inland LC Cancelation Charges
Rs.350/- per duplicate
advice
Rs.1,000/- per certificate
57800500
-
54206850
-
Rs.2,000/- plus swift
charges Rs.1,000/- flat &
communication charges
54206100 LCN
2) Local Import Bills
a) Sight Bills
i) Collection charges for Inland LC /
Rs. 1,500/- (flat) per bill
Restricted LC & Handling of Inland Import
Documents against PAD Bill (Sight Bill)
ii) Retirement of Bills
• If retired within 3 days from the date of
lodgment in PAD
• If retired after 3 days from date of
lodgment in PAD
54206750 HDC
54206850 XCB
60 paisa per Rs.1,000/- per
day from the date of
negotiation Plus Bank
commission @ 0.25%
on the PAD amount
(net of margin) created
65 paisa per Rs. 1,000/per day from the date of
negotiation plus Bank’s
commission @ 0.25% on
the PAD amount created
b) Usance Bills
i) Collection Charges
ii) If bill matures after expiry of LC
c) Payment of Bill drawn under Inland LC
d) Inland LC Documents Returned Unpaid
e) Handling of Inland LC Documents with
discrepancies
f) Issuance of Business Performance
Certificate of Previous Years at the
Customer’s Request
3 a) In Land Export LC Advising
i) LC Advising
ii) LC Amendment Advising
09
0.40% per bill Min. Rs.1,500/Charges under b) i) plus
delivery of documents
against acceptance
commission @ 0.10% per
month on bill amount
realization from the date of
expiry of LC
Payment commission;
Rs.600/- (flat)
Rs. 3,000/- (flat) plus swift
charge Rs. 1,000/- flat &
Communication charges
Rs. 3,000/- (flat) plus swift
charge Rs. 1,000/- flat
& Communication charges
Rs.3,000/- (flat) per
certificate
54206400 RT1
Rs.1,200/- (flat)
Rs.800/- (flat)
54201100 ADC
54206500 ADA
54206300 LEC
54201000 POC
54207650 HDC
54206850 DEC
54206850
-
DOMESTIC BANKING
Particulars
Charges
iii) Postage/Courier Charges for LC
& Amendment Advising
iv) Inland LC Confirmation charges
b) Collection of Documentary Bills drawn
under inland
i) Above, mark-down for every 15 days from
the date of purchase till the date of maturity
ii) If discounted later on, marked down rate
to be obtained from treasury through
business
c) Documentary bills drawn against Inland
Letter of Credit Sight bills
i) Negotiating End
ii) Collection charges for inland LC /
restricted LC
iii) If negotiation is restricted to some other
bank
57800200 COU
As per FIG arrangement
0.40%, Min Rs 1,000/-
54206550 ELC
0.90%, Min Rs 1,000/-
54201200
-
54201200
-
Rs. 250/- per duplicate
advise
Rs. 1,000/- per certificate
If Realized after agreed
period / tenor as mentioned
above then overdue
Markup @60 ps per Rs.
1,000/- per day to be
charged or as per DAC
(if mentioned) or approved
by concerned Group/
Business Head.
e) Sales Tax/ FED Invoice Certificate
f) Negotiation of documents drawn under
Inland sight Letter of Credit.
If proceeds not realized / credited to our
customer's account within agreed period
( i.e. 7 days / 12 days) then overdue
mark-up is applicable to customer
54206850 SCH
Commission @ 0.50% Min 52600330 EMU
Rs. 1,000/- Plus markup as
per DAC or approved by
Group / Business Head
from date of Negotiation till
realization. (Regular Bill
period / tenor may be
defined 07 days or 12 days
whichever agreed by all
stakeholders)
Rs. 500/- (flat) per bill will
be charged by the
forwarding branch
Rs. 150/-
d) Duplicate Advices
SC
Rs.150/- (flat)
Rs. 1,000/- (flat) per bill
iv) Postage/Courier Charges for LCs &
Amendments Advising
Code
GL
g) Documentary collection (drawn against LC) 0.4% Min Rs. 500/- Plus
communication charges
h) Documentary collection other than those
0.4% Min Rs. 500/- Plus
drawn against LC)
communication charges
i) Negotiation (Usance) (Delayed Realization) Mark-up [email protected] 60 paisa
If payment of inland/local bills realized
per Rs. 1,000/- per day to be
within 03 days, no mark-up to be charged. charged
Incase proceeds not realized/credited to
our customer A/c within 03 days from the
date of the maturity till its adjustment than
mark-up is applicable to our customer's
NICF facility or as per special approval by
the competent authority In case of no NICF
facility is available to the than mark-up will
be charged
Rs.1,500/- plus swift charge
j) Export LC Cancellation
Rs. 1,000/- flat &
communication charges
4 ) Clean Bill services/document handling charges 0.10%, Min Rs. 500/Mark up Rate @60 paisas
5 ) Clean Bill delayed realization
per Rs. 1000/- per day to
be charged
54201200
-
57800200 COU/
CO1
54206850
-
54206850
52600330 EMU
54206600
-
54206600
-
52600330 EMU
54206450 CAN
Note:
In case forced PAD is created due to non payment on maturity against DA LC, commission @
0.50% is to be charged (once only) on the amount (net of margin) for which FPAD is created in
addition to mark-up @ 60 paisa PTPD (or as revised from time to time) from the date of maturity till
the date of payment.
Charges negotiable from case to case basis under approval of relevant Business Head/ Division Head.
In addition to the charges above all applicable Government levies will also be recovered.
10
DOMESTIC BANKING
Particulars
Charges
Code
GL
SC
The Bank reserves the right to change different rates on the basis of volume and security offered
subject to prior approval by concerned sanctioning authority
In addition to above, commission/service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
G. Miscellaneous
1) a) Delivery of Statement of account (Mandatory) Free
b) Duplicate/On-Demand Statement of Account Rs. 35/- per statement
(Charges are inclusive
of Sales Tax/FED)
2) Issuance of SBP/ NBP cheques / Special Clearing Rs.500/- per cheque
3) 3rd Party Funds Transfer through Pakistan Real
Time Interbank Settlement Mechanism (PRISM/
RTGS) System
Days
Transaction Time Windows
9:00 am to 1:30 pm
Monday to Friday
1:30 pm to 3:00 pm
3:00 pm to 4:00 pm
9:00 am to 11:30 am
Saturday
11:30 am to 12:30 pm
-
-
54203500 1005
54203550 1026
-
-
Per Transaction Charges (PKR)
Rs. 220/Rs. 330/Rs. 550/Rs. 220/Rs. 330/-
4) Handling charges for issuance of Student
Exchange Remittance permit and maintenance
of record for subsequent remittances
5) Issuance of Balance/Account maintenance
certificate on customer's request
6) Charges for same day collection/clearing
cheque through NIFT
Rs. 300/- per case
54203600
Rs. 300/- per certificate
54203500 1027
Rs. 500/- (flat) per instrument
54203650 1030
7) Charges for Voice Biometric per year
Upto Rs. 500/-
8) Stop payment charges of Cheque /TT/RTC/
PO/DD
For PKR. A/c - Rs. 350/(flat) per instruction*
USD 10/- per instruction*
GBP 6/- per instruction*
EURO 7/- per instruction*
AED 35/- per instruction*
SAR 35/- per instruction*
54202650 1004
PKR 400/-, USD 5/GBP 3/-, EUR 4/AED 20/-, SAR 20/-
54203700 1032/
1033
Note:
*one instruction may include advice for series/
multiple instructions
9) Charges for cheque return unpaid
a) Cost of Issuance of all Currency Cheque Books
i) MICR
For PLS Accounts
For All other Accounts
ii) NON - MICR
b)Cost of issuance of customized cheque books
-
54203750 1003
Rs. 10/- per leaf (flat)
Rs. 7/- per leaf (flat)
Rs. 15/- per leaf
54203750 1079
Charges as in 9(a) above +
actual cost of cheque book
c) Corporate Customer's Cheque Books/Leaves On case to case basis, as
per agreement with the party
Note:
- UBL First Minor Account Cheque Book (25
leaves) is free and subsequent ones will be
charged
- First Cheque Book up to 50 leaves is free for
Business Partner Account holders. Charges
will apply on subsequent cheque books as
per ‘‘ Business Partner Waiver grid’’
10) Minimum Balance/Service charges where the
amount of deposits are below the required
balance
54203800
-
*Charges per Month
Monthly Average Balance
LCY Current A/c
1001
Business Partner
50/- (including SalesTax/ FED)
10,000/Business Partner Plus 50/- (including SalesTax/ FED)
25,000/FCY CASA & FCY Uniflex
USD
5/500/EURO
4/400/1002
AED
20/2,000/GBP
3/300/SAR
20/2,000/11
DOMESTIC BANKING
Particulars
Code
Charges
GL
SC
* Exemption to :
i) Students
ii) Mustahiqueen of Zakat
iii) Employees of Govt/Semi-Govt institutions for salary and pension purpose, including widows /
children of deceased employees eligible for family pension / benevolent fund grant etc.
iv) UBL Basic Banking Account (UBL BBA) holders.
v) Accounts related with Zakat Collection & Disbursement
vi) Unclaimed deposits after maturity of ten years.
vii) Earthquake affected areas (BPRD Letter No. 28 of October 10, 2008)
viii) All UBL Staff Accounts wherein salary are Credited.
ix) All singly operated accounts of retired staff of the bank wherein pension, benevolent grant,
medical bills reimbursed.
x) Dormant Accounts
xi) UBL First Minor Saving Accounts
xii) School Management Committee Account (Only for Sindh - BPRD Circular No. 02 of Jan 25, 2010)
xiii) UBL E-Transaction Accounts for OMNI Agents.
xiv) UBL Wiz Cards
xv) All regular PLS Saving Accounts
11) a) Salary & Pension disbursement charges.** Min Rs.75/- per transaction
from remitting organization’s
main account (or as per
agreement)
54203850 1034
b) Pay Partner-Salary (and other) disbursement. Min Rs.20 /- per transaction
(or as per agreement)
54208620 1081
c) Cash Collect (RB Cash Management
collection) charges
54208600
0.3% on throughput with
minimum Rs. 100/- per
transaction (or as per
agreement)
Note:
** No charges to be recovered from Govt.
and Semi Govt. Organizations and their
employees / retired employees.
12) Photocopy of a paid cheque returned to
customer
Within 1 year
Rs. 200/Above 1 year
Rs. 1,000/-
Charges per
} Cheque
13)
54203900 1036
54203900 10371038
BUSINESS PARTNER WAIVER GRID
(For Individual, Sole Proprietorship, Partnership & Government Accounts only)
Waiver Per Month Applicable On Avg. Balance of Rs. 250,000/- & above
Services
Waiver (see note below)
Issuance of MT
Issuance of CC/CBC
Cancellation of PO/CC/CBC/DD or MT
5
5
5
5
Free
5
Duplicate CC/CBC
Debit / ATM Card Annual Fee
Clean Bills for Collection/Intercity Clearing
Issuance of Cheque Books
1 Cheque Book of 50 leaves Free
5
Cheque Return Unpaid from Payee’s Account in outward clearing
Online IBTS Transactions-Country Wide
Free
Locker Rent
Free*
Issuance of Rupee Travelers Cheque
Free
(Annual average balance can be used for seasonal accounts)
*1 locker free (any size) for 1st year, subject to availability in the branch where account resides.
Waiver to be reviewed by Branch Manager at the end of each banking cycle.
Note:
Waiver per month applicable on average monthly balance when the request is made.
This grid is applicable on Current Account /Business Partner balance of Rs. 250 K & above
above, on case to case on Branch Manager's discretion.
First time collection charges free for Business Partners customers having balance of Rs. 250 K
and above (after proceeds from collection are realized).
Minimum Balance /Services charge as per point No.10 above will be levied for non
maintenance of balance.
Waiver on financial transactions will be applicable only when transaction is routed through
customer's Business Partner account.
12
DOMESTIC BANKING
Particulars
14)
Charges
BUSINESS PARTNER PLUS
Services
Inter Branch Online Transactions-Country Wide
Debit / ATM Card Annual Fee
Issuance of Cashiers Cheque/CBC
Cheque Book
Over the Counter Cash Deposit
Cancellation of CC /CBC
Cheque Returned Unpaid From Payee's Account in outward clearing
Clean Bill For Collection/Intercity Clearing
Duplicate Cashier’s Cheque/ CBC
Duplicate Account Statement
Issuance of RTC
UBL Go Green SMS Alert
Code
GL
SC
Wavier
Free
Free
Free
Free
Free
Free
Free
Free
Free
Free
Free
Free
Note: For Business Partner Plus monthly average balance is Rs.25 K. Minimum Balance
/Services charge as per point No.10 above will be levied for non maintenance of balance.
Waiver on financial transactions will be applicable only when transaction is routed through
customer's Business Partner Plus account.
15) Charges on Encashment / Collection of profit Rs.300/- per scrip
coupons for certificates issued by other banks
16) Credit information report including credit
report on Foreign Supplier / Buyers
a) Within City Report
Rs.1,200/- payable by Agents
plus Rs.500/- service charges
b) Foreign Report
Actual Foreign Agents
charges equivalent in Pak.
Rupees Plus Rs. 600/service charges
c) If requested by Banks/DFIs.
17) Standing instructions fee to be recovered in
addition to the usual charges on remittance,
if any
18) Emigration Certificate
19) Proprietorship Certificate
20) No Objection Certificate (NOC)
21) UBL Basic Banking Account Transaction
Free
Rs.200/-per attempt
Rs.150/- per certificate
Rs.150/- per certificate
Rs.150/- per certificate
Maximum of two deposits
Charges
and two withdrawal
transactions (cash or clearing)
per month are allowed free of
charge on UBL BBA account
holders. 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.
22) Statement of Profit Earned & WHT / Zakat Rs. 150/- per certificate
Deduction
54208050
-
54208050
-
54208050
-
-
-
54204050 1064 1075
54204100 1040
54204100 1040
54204100 1040
54204150 10411941
54204100 1042
23) Transactional Charges on UBL UniFlex PLS A/c & UBL FCY UniFlex A/c 54204150 1357
Rupees per transaction
Particulars
UBL UniFlex PLS A/c
Rs.100/UBL FCY UniFlex A/c:
USD A/c
USD 5/EURO A/c
EURO 4/AED A/c
AED 20/GBP A/c
GBP 3/Transaction limit charges are applicable on any withdrawal above the threshold of
three debit transactions in one calendar month (No charges on credit transaction)
24) Charges for verification of account balance Rs. 250/- per verification
to third party based on customer's consent
(Exemption for: Students applying for visa
to proceed for Foreign Education)
13
54204500
-
DOMESTIC BANKING
Particulars
Charges
25) Charges on Dividend Warrants
handling / payment to be recovered from
Dividend delivering company
i) Minimum @0.50% per
Dividend Warrant
or Rs. 150/- whichever
is higher
Code
GL
SC
ii) Out of pocket expense
Rs.10,000/Note:
Electronic Banking / Cash Management UBL provides Electronic Banking & Cash Management
Services. Fees and other charges to be recovered on a case to case basis.
In addition to above, commission/service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
Customized Digital Currency Cheque leaves issuance charges shall be subject to the Divisional
Head Approval
For duplicate / on-demand SOAs, waivers are allowed on the discretion and signed approved of
BM or CSOM.
14
PRIORITY BANKING
PRIORITY BANKING
15
UBL SIGNATURE - PRIORITY BANKING
Particulars
Charges
Code
GL
SC
-
-
-
-
Free
Free
-
-
Free
-
-
A. UBL Signature — Priority Banking
1) Issuance of Cashier's Cheque
Free
2) DD / MT / PO / Cashier's Cheque Cancellation Free
Charges
3) Inter Branch Online Transactions - IBTS
a) Cash/Cheque Deposit & Account to Account
Transfer
i) Within City
Free
ii) Intercity
Free
b) Cash Withdrawal
i) Within City
ii) Intercity
4) Bills Collection
a) Clean (including cheques / dividend
warrants / Bank Drafts/ beyond NIFT/ OBC
Centers /APC etc).
b) Intercity Clearing Charges
Free
5) Stop payment of cheque drawn
Free
-
-
6) Lockers Annual Fee & Key Deposit
Free
-
-
7) Consumer Products Application Processing
Charges
Free
-
-
Free
8) a) Signature Debit Master Card - Basic &
Supplimentary (with basic ATM withdrawal
insurance coverage)
-
-
54302050
-
b) Value added ATM withdrawal insurance
coverage (optional)
Rs. 1,000/- per annum
9) Signature Priority Pass Fee
a) Membership/Annual Fee
b) Airport Lounge Visit Fee
Free
USD 35/- per visit
Note:
Two complimentary visits per annum for Priority
pass card holder. Additional visits will be charged
at USD 35/- per visit. Guests accompanying the
card holder will be charged at USD 35/-
10) Stop payment charges for DD / RTC /
Cashier's Cheque
11) Issuance of all Currency Cheque Books
Free
-
-
Free
-
-
12) Charges for Cheque return unpaid
Free for outward
clearing only
Free
-
-
-
-
13) Net Banking Charges
14) Priority Banking Lounge Charges
(Applicable in case the monthly average
balance is less than Rs. 1 Mln (For Current
A/c) and Rs. 2 Mln (For Saving A/c).
Equivalent amount of required balance and
charge applicable for FCY account).
15) Shapes Health Club Usage Charges
a) Basic Member, 12 visits per month - Free
b) Any /All /combined Supplementary Card
Holders, 4 visits per month - Free
* Shapes Health Club alliance locations may
change from time to time
**The Shapes offer is a limited time offer, and
may be revoked, changed, or altered with prior
notice at the discretion of the Bank
16
PKR 1,000/USD
10/EURO 8/GBP
7/AED
35/SAR
35/-
54204300 1303 1304
54204300 1305
Extra visits will be charged
@ Rs.1,000/-, per visit per
customer
Extra visits will be charged
@ Rs.1,000/-, per visit per
customer
UBL SIGNATURE - PRIORITY BANKING
Particulars
Charges
16) Investor Portfolio Services for Signature Accounts
i) Custodial Charges
ii) Transaction Charges (sale or purchase)
iii) Security Movement/Transfer Charges
iv) IPS Statement
v) Primary Market participation
Code
GL
SC
54202600
-
Free
Free
PKR 500/Free
5 Bps at face value
Note:
Apart from this, all banking service charges will be levied as per current SOC.
In addition to above, commission/service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
17
BANK CHARGES FOR GOVERNMENT BUSINESS
BANK CHARGES FOR
GOVERNMENT BUSINESS
18
UBL SIGNATURE - PRIORITY BANKING
Particulars
Charges
Code
GL
SC
A. IMPORT
1) Cash / reimbursable loans / barters expressed in 1/8% (0.125%) of the value 54206000
of the Letter of Credit.
U.S. Dollar or any other foreign currency
including L/Cs under A.C.U. / arrangement
Less than Rs.250,000/- and above
1/16% (0.0625%) of the
value of the Letter of Credit.
-
3/8% (0.375%) irrespective 54206000
of the value of the Letter of
Credit.
-
2) Non-reimbursable Letters of Credit under
barter / aid / loans / authorization to pay
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
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., Karachi Electric (KE), WAPDA, PTCL, etc.,
the commission is to be charged from the openers by the banks as per their own schedule of
charges.
In addition to above, commission/service charges, courier/postage / fax charges will also be
made according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
19
BRANCHLESS & E-BANKING
BRANCHLESS & E-BANKING
20
BRANCHLESS & E-BANKING
BRANCHLESS & E- BANKING
UBL Omni Money TransferDomestic Remittance (DR)*
Slab
Slab Customer Insurance
Start
End Fee (Rs.) Premium (Rs)
Service Fee at UBL Omni Dukaan
Utility Bill Payment
Free
Mobile Top up
Free
Cash Deposit
Free
(Within Account opening area)
1
1,000
60/10/1,001 2,500
120/10/2,501 4,000
18015/4,001 6,000
240/25/6,001 8,000
300/35/8,001 10,000
350/45/10,001 13,000
400/55/13,001 15,000
450/60/* Insurance is optional for DR consumers
Cash Withdrawal* From UBL Omni
Dukaan and Branch
UBL Omni Money TransferAccount DR
Slab Start Slab End Customer Fee (Rs.)
1
1,000
54/1,001
2,500
108/2,501
4,000
162/4,001
6,000
216/6,001
8,000
270/8,001
10,000
315/10,001
13,000
360/13,001
15,000
405/15,001
20,000
459/20,001
25,000
513/-
Slab Start Slab End Customer Fee (Rs.)
1
1,000
15/1,001
2,500
30/2,501
4,000
56/4,001
6,000
76/6,001
8,000
96/8,001
10,000
116/10,001
13,000
132/13,001
15,000
149/15,001
20,000
168/20,001
25,000
188/*Cash Withdrawal from UBL ATM is free
Cash Deposit at UBL Omni Dukaan*
and Branch
Slab Start Slab End Customer Fee (Rs.)
1
1,000
51/1,001
2,500
102/2,501
4,000
153/4,001
6,000
204/6,001
8,000
255/8,001
10,000
298/10,001
13,000
340/13,001
15,000
383/15,001
20,000
434/20,001
25,000
485/2% of transaction amount
25,000+
Fee For Account Holders
Account Opening at UBL Omni Free
Dukaan
Initial Deposit requirement*
Rs. 100/Average Minimum Balance
Rs. 100/requirement per Month
Minimum Balance charges per Rs. 15/Month
* Negotiable for corporate clients
*Outside account opening area
Cash deposit at branch is disabled for L0 and L1 accounts
Pricing for Cash deposit within account opening area at Branch is on L2 accounts only
Pricing for Cash deposit outside account opening area at Branch is on L2 and L3 accounts
Money Transfer From Omni Account
Account to Person Transfer UBL Omni Account to UBL Omni
Slab
Slab
(SMS* and Omni Mobile App*) Account** Transfer (SMS*, Omni
Start
End
Mobile App* and ATM)
Customer Fee (Rs.)
Customer Fee (Rs.)
51/1
1,000
42/1,001 2,500
84/102/2,501 4,000
126/153/4,001 6,000
168/204/6,001 8,000
210/255/8,001 10,000
245/298/10,001 13,000
280/340/13,001 15,000
315/383/360/434/15,001 20,000
485/20,001 25,000
405/N/A
2% of transaction amount
25,000+
* Insurance is optional and free for Omni account holders.
** UBL Omni Account to Account Transfer from Net Banking is Free
Note: All mentioned amounts in PKR, Fee are inclusive of all Taxes.
21
BRANCHLESS & E-BANKING
Money Transfer From Omni Account
Slab Start
1
1,001
2,501
4,001
6,001
8,001
10,001
13,001
15,001
20,001
25,000+
UBL Omni Account
to UBL Account Transfer-Non Linked*
Customer Fee (Rs.)
Slab End
1,000
2,500
4,000
6,000
8,000
10,000
13,000
15,000
20,000
25,000
42/84/126/168/210/245/280/315/360/405/2% of transaction amount
*Via ATM, Netbanking and Omni Mobile App
Package Subscription
Package Type
Validity (In Days)
Customer Fee (Rs.)
Omni Monthly
30
Rs. 150/-
Omni Semi Annual
180
Rs. 500/-
Free Transaction
1. UBL Omni A/c to Omni
A/c Fund Transfer.
2. View Bill.
3. Balance Inquiry.
UBL Omni ATM Debit Card
Card Name Issuance* / Replacement Fee (Non Refundable) Daily Withdrawal Limit**
UBL Omni ATM
250/100,000/Debit Card
* Negotiable for corporate clients
**Account limit will supersede
Other Financial Transactions
Customer Fee (Rs.)
SMS
Omni Mobile App
Free
Free
Free
Free
Free
Free
Free
Free
Free
Free
Transaction Type
Bill Payments
Voucher Purchase
Mobile Top Up
Loading amount from linked UBL account
Unloading amount to linked UBL account
Transaction Type
ATM, Omni Mobile App and Net Banking
Inter-Bank Fund Transfer*
Rs. 150/- per transaction
*In addition to the charges above, all applicable Government levies will also be recovered
Inter - Bank Fund Transfer via UBL Omni Dukaan
Slab Start
Slab End
Customer Fee (Rs.)
1
1,000
100/1,001
2,500
100/2,501
4,000
100/4,001
6,000
100/6,001
8,000
100/8,001
10,000
125/10,001
13,000
125/13,001
15,000
125/Note: All mentioned amounts in PKR, Fee are inclusive of all Taxes.
22
BRANCHLESS & E-BANKING
Particulars
Code
Charges
GL
Fund Transfer into UBL Account via UBL Omni Dukaan
Slab Start
1
1,001
2,501
4,001
6,001
8,001
10,001
13,001
15,001
Slab End
1,000
2,500
4,000
6,000
8,000
10,000
13,000
15,000
40,000
Customer Fee (Rs.)
100/100/100/100/100/125/125/125/125/-
Non Financial Transaction and other Services
Customer Fee (Rs.)
Transaction Type
SMS
Omni Mobile App
Balance Enquiry
5/5/View Bill
5/N/A
Account Number Enquiry
Free
N/A
Bill Nick Addition
Free
Free
Payee nick addition
Free
Free
Deletion of Bill Nick
Free
Free
Deletion of Payee Nick
Free
Free
Help
Free
Free
Displaying of last transactions
Free
Free
Listing of bill Nicks
Free
Free
Listing of payee Nicks
Free
Free
Note: All mentioned amounts in PKR, Fee are inclusive of all Taxes.
23
SC
BRANCHLESS & E-BANKING
Particulars
Code
Charges
GL
SC
A. UBL Netbanking
UBL Netbanking
Package Name Monthly Debit Limit Monthly Subscription Fee
Basic
Free (View only)
Rs.0/Bronze
Upto Rs. 5,000/Rs. 25/Silver
Upto Rs. 50,000/Rs. 45/Gold
Upto Rs. 100,000/Rs. 75/Platinum
Upto Rs. 500,000/Rs. 150/Premium
Upto Rs. 1,000,000/Rs. 300/Transaction Fee
Door step cheque through Netbanking
54204400 ECM004
Rs. 150/- per transaction
(Sales Tax/ FED Included)
Inter-Bank Fund Transfer
Rs. 150/- per transaction
54200200 ECM004
B. UBL E-Transaction Account
Netbanking monthly subscription fee is waived on E-Transaction A/c subject to maintenance
of required balance;
3 Months Average Balance
Bronze
Silver
Gold
Less than 15,000
Rs. 25/-
Rs. 45/-
Rs. 75/-
Platinum Premium
Rs. 150/-
Rs. 300/-
15,000 - 29,999
Free
Free
Free
Rs. 75/-
Rs. 300/-
30,000 – 49,999
Free
Free
Free
Free
Rs. 150/-
50,000 and Above
Free
Free
Free
Free
Free
Monthly Service Charges Rs. 50/- (Sales Tax/FED Included) when average
balance is below Rs. 10,000/-
54203800 ECM004
C. UBL NRP Direct Accounts
Initial Deposit Cheque Only
0.6% of the initial deposit
or USD 16 whichever is
lower
54208050 ECM004
International Cheque Clearing Charges
(OFBC etc.)
54207550 ECM004
International Mailing Charges
0.6% of the initial deposit
or USD 7 whichever is
higher
Rs. 2,500/-
Monthly Service Charges
When Monthly Average balance is
below Rs. 50,000
Rs. 50/- (Sales Tax/FED
Included)
54203800 ECM004
Annual ATM Card Fee (Primary)
Annual ATM Card Fee (First
Supplementary)
57800200 ECM004
Free
Free
D. UBL Click N Bank (eNRP) Accounts
Monthly Service Charges
When monthly Average balance
a. PKR A/c is below Rs. 30,000/b. USD A/c is below USD 500/International Mailing Charges
Annual ATM Card Fee (Primary)
Annual ATM Card Fee (First
Supplementary)
Rs.50/- (Sales Tax/FED
included)
USD 5/-
54203800 ECM004
Rs. 2,500/Free
Free
57800200 ECM004
Note:
In addition to above, commission/service charges, courier/postage / fax charges will also be recovered
according to prescribed tariff (wherever applicable)
In addition to the charges above, all applicable Government levies will also be recovered.
24
CONSUMER BANKING
CONSUMER BANKING
25
CONSUMER BANKING
Particulars
A. ATM / DEBIT CARD
Charges
Code
GL
SC
1) General Debit / Prepaid Card Charges
a) Switch Transaction Fee
i) Withdrawals on 1 Link ATMs other than UBL
ii) Withdrawals on other Switches
b) International Usage Charges
i) ATM Withdrawal
ii) POS & Internet Purchase
a) Purchase in Currency other than USD
and PKR
b) Purchase in USD and PKR
c) Balance Inquiry
i) Within Pakistan from Non 1 Link ATMs
ii) From Outside Pakistan
d) Internet Usage
i) Activation Charges
ii) Per Session Charges
e) Charge on Declined POS Transaction
i) For Local - Incase of Low Balance and
Excess Over Limit
ii) For International - Incase of Low Balance
and Excess Over Limit
f) Funds Transfer through ATM
Rs.15/Rs.15/-
54204800 1067
54204830 1068
3% of transaction amount
54204850 1051
Free
3.5% of transaction amount 54204850 1052
Rs. 5/- per transaction
Rs. 100/- per transaction
Free
Rs.100/(Free for UBL Wiz Internet
Card & ACCA Card)
Rs. 5/Rs. 35/-
54204830 1071
-
-
54204420 1085
54204410 10831084
54200230 1149
Within UBL Rs. 50/- per
transaction.
1049
Outside UBL Rs. 100/- per
transaction.
2. UBL MegaWallet Debit Card & UBL First - Pocket Money Debit Card
a) Annual Charges
Card Type
Basic
Supplementary
54204750 1044UBL MegaWallet Card/Proprietary Card
500/300/1046
UBL First Pocket Money Card
Free
Free
(with basic ATM Withdrawal Insurance Coverage)
b) Value added ATM withdrawal insurance
coverage (optional)
c) Card Replacement Fee (upon request)
3) UBL Wiz Prepaid Visa Debit Cards
a) i) Card Issuance (One time fee)
(with basic ATM withdrawal insurance
coverage)
ii) Value added ATM withdrawal insurance
b) Re-Load Fee
i) From Branch
ii) From UBL ATM
(From Wiz Card to Wiz Card & From
A/c to Wiz Card)
iii) From UBL Net banking
(From A/c to Wiz Card)
c) Wiz Refund Charge
Rs. 1,000/- per annum
54204750
Rs. 350/- per card
54204750 1046
i) Free on deposit of
Rs. 10,000/- & above
ii) Rs. 150/- for deposit of
less than Rs.10,000/Rs. 1,000/- per annum
54204950
-
54204750
-
-
-
Free
Free
Free
Rs. 100/-
-
-
-
54204950
-
Note:
No joining fee. Annual fee to be recovered in advance. No refund on account closure
In addition to above, commission/service charges, courier/postage /fax charges will also be recovered
according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval from relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
4) UBL Premium Debit Master Card
a) Annual Fee
(with basic ATM withdrawal insurance coverage)
i) Basic
Rs. 500/ii) Supplementary
Rs. 300/b) Value added ATM withdrawal insurance
Rs. 1,000/- per annum
coverage (optional)
26
54204750 1059
54204750 1060
-
CONSUMER BANKING
Particulars
Charges
c) Card Replacement Fee (upon request)
5) UBL Pardes Cards
a) i) Card Issuance
(with basic ATM withdrawal insurance
coverage)
ii) Value added ATM withdrawal insurance
(optional)
iii) Re-Load
b) Switch Transaction Fee
Withdrawals on 1 Link ATMs other than UBL
Withdrawals on other switches
c) Balance Inquiry
i) Within Pakistan from non 1 Link ATMs
d) Cancellation / Card Replacement Charge
(upon request)
Rs. 350/- per card
Code
GL
SC
54204750 1061
-
-
54204750
-
-
-
Rs. 15/Rs. 15/-
54204800
54204830
54204750
Rs. 5/Rs. 100/-
54204830
-
54204950
-
Monthly Charges of Rs.50/-*
(For first 50 SMS) Re. 1 per
SMS thereafter
Monthly Charges of Rs.100/-*
(For first 150 SMS)
Re. 0.5 per SMS thereafter
54204570
-
54204570
-
-
-
Free
Rs. 1,000/- per annum
Free
B. UBL GO GREEN
1) SMS Alert Charges
a) For LCY Accounts
i) Basic Service
ii) Premium Service
b) For FCY Account
i) Basic Service
Monthly Charges for first 150
SMS) Charges Equivalent to
Re. 1 per SMS thereafter
US$: 0.5
AED: 1.8
Saudi Riyal: 1.8
GBP: 0.31
Euro: 0.4
ii) Premium Service
Note:
*Mandatory monthly deduction irrespective of
number of SMS
c) E-Statement
i) Statement of Account through E-mail
d) Internet Merchant Acquiring
i) Membership Fee
ii) Merchant Setup Fee (one time)
iii) Discount Rate
iv) Refund/Charge Back Processing
Monthly Charges for first 150
SMS) Charges Equivalent to
Re. 0.50 per SMS thereafter
US$: 1.0
AED: 3.6
Saudi Riyal: 3.6
GBP: 0.62
Euro: 0.8
Free
Rs. 50,000/- per merchant
per annum or as per
agreement
Rs. 40,000/- or as per
agreement
3.50% per transaction or
as per agreement
0.78% per transaction or
as per agreement
54302350
-
54302350
-
54302400
-
54300150
54302650
-
Note:
In addition to above, commission/service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
C. UBL DRIVE (CAR FINANCING)
1) Application Processing Charges
As per the loan documents,
or Rs. 6,000/- (non-Refundable)
if not specified
54202200
-
2) Vehicle Evaluation Charges*
As per the loan documents,
or Rs. 5,000/- if not specified
57800710
-
27
CONSUMER BANKING
Particulars
Charges
3) Pre - Payment Charges (Full Payoff)
4) Late Payment Charges
5) Vehicle Re-Possession Charges*
6) Repossessed Vehicle Evaluation Charges*
7) Monthly Warehouse Charges
8) Auction Charges
9) Insurance Charges*
10) Re-issuance of NOC
Note:
*These charges are quoted by the vendor & are
subject to change.
Code
GL
SC
As per the loan documents,
or 8% of principal outstanding
if not specified
As per the loan document,
or Rs. 1,000/Actual incurred by the bank
up to Max.of Rs. 50,000/Actual incurred by the
bank up to Max. Rs. 2,500/As per the loan documents,
or Rs. 5,000/- per month,
if not specified
54205550
-
Rs. 5,000/As per the rate quoted by
the Insurance Company
Upto Rs. 1,000/-
57800800
54302200 3018
54205500 3016
54205500
-
54205500
-
57800800
-
-
-
D. i) UBL CASHLINE
As per the loan documents, 54202200 3001/
3023/
or Salaried Rs. 3,000/- &
3024/
SEB/ SEP Rs. 4,000/- if not
3025
specified
As per the loan documents, 54202200 3002
or Rs. 2,000/- if not specified
1) Processing Fee
2) Annual Charges (Renewal fee)
3) Late Payment Fee
As per the loan documents,
or Rs. 1,250/- if not specified
54205500 3003
4) Insurance Charges (Credit Protector)
0.2% of total monthly
principle outstanding
54202200 3004
5) SMS Alert Fee
Basic Service
54202200
-
Monthly charges of Rs.
50/-* (for first 50 SMS)
Rs.1 per SMS thereafter
Premium Service
Monthly charges of Rs.
Note:
100/-* (for first 150 SMS)
*Mandatory monthly deduction irrespective of Rs.0.50 per SMS
number of SMS
thereafter
6) Limit Enhancement Fee
7) Debit/ATM Card Annual Fee
Rs. 2,000/Free
54202200 3029
Rs. 3,000/As per the loan documents,
or 5 % of the remaining
outstanding amount if not
specified
As per the loan documents,
or 5 % of the amount being
reduced from outstanding
principal if not specified
As per the loan documents,
or Rs. 1,000/- per installment
if not specified
As per the loan documents,
or 8% of remaining
outstanding principal
amount if not specified
As per the loan documents,
or Rs,1,000/- per installment
if not specified
54202200 3019
D. ii) UBL CASH PLUS
1) Processing Fee
2) Pre-payment Penalty
3) Partial Payoff Fee
4) Late Payment Charges
E. UBL MONEY
1) Pre-payment Penalty
2) Late Payment Charges
54205550
-
54205550
-
54205500
-
54205550
-
54205550 3016
Note:
All regular Branch Banking charges will be applied for the transaction through branches
In addition to the above, commission / service charges, courier / postage / fax charges will also
be recovered according to prescribed tariff (wherever applicable)
In addition to the charges above, all applicable Govt. levies will also be recovered.
All rates are subject to change.
28
CONSUMER BANKING
Code
Particulars
Charges
3) Partial Payoff Option Fee
As per the loan documents, 54205550
or 5% of the amount being
principal if not specified
F. UBL ADDRESS
1) Processing Charges
2) Appraisal Charges*
3) Legal Charges*
4) Late Payment Charges
5) Property Insurance*
6) Life Insurance*
7) Partial Payoff
8) Pre-payment Penalty (Full Payoff)
9) Refund CCs
Note:
*These charges are quoted by the vendor &
are subject to change.
GL
SC
-
As per the loan documents,
or Rs. 5,000/- (non-refundable),
if not specified
As per the loan documents,
or Rs. 4,000/- (non-refundable),
if not specified
As per the loan documents,
or Rs. 4,000/- (non-refundable),
if not specified
As per the loan documents,
or Rs. 1,000/- per installment,
if not specified
As specified in the loan
documents, or actual
(max of 3%) if not specified
Optional. As per the rate
quoted by the Insurance
Company.
As per the loan documents,
or Max 6 monthly
installments. Penalty charges
apply on amount exceeding
Rs. 50,000/- or 6 monthly
installments. 8% for Year 1,
5% for Year 2, 3% in Year 3
& onwards if not specified
As per the loan documents,
or Less than
1 yr: 8%,
1-3 yrs: 5%,
3-20, yrs: 3%
if not specified
Regular CC charge as per
page no. 2, Item No. 1 (a)
will apply for all consumer
refunds.
54202200 3017
Rs. 2,000/- (Silver)
Rs. 4,000/- (Gold)
Rs. 6,000/- (Platinum)
54202200
-
57800600
-
54205500 3016
54205500
-
54205500
-
54205550
-
54205550
-
54200100
-
54300550
54300600
54300650
-
54300550
-
54300750
-
54300650
54300650
-
54300650
-
G. CREDIT CARDS
1) Annual Membership Fee
(with basic ATM withdrawal insurance
coverage)
2) Chip Maintenance Fee a) Basic
Rs. 500/- (Silver)
Rs. 750/- (Gold)
Rs. 1,000/- (Platinum)
b) Supplementary
Rs. 250/- (Silver)
Rs. 375/- (Gold)
Rs. 500/- (Platinum)
3) Annual Supplementary Card Fee (with basic Rs. 500/- (Silver)
ATM withdrawal insurance coverage)
Rs. 750/- (Gold)
Rs. 2,000/- (Platinum)
Rs. 2,000/4) a) Platinum Upgrade Fee from Gold and
Silver-Basic
b) Platinum Upgrade Fee from Gold and
Rs. 1,000/Silver-Supplementary
Note:
In addition to above, commission/service charges courier/postage / fax charges will also
be recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head /
Divisional Head.
In addition to the charges above, all applicable Govt. levies will also be recovered
including Sales Tax/ FED.
29
CONSUMER BANKING
Particulars
Charges
5) Value added ATM withdrawal insurance
coverage (optional)
Rs. 1,000/- per annum
6)
7)
8)
9)
Up to 41%
Up to 41%
Up to 24%
Up to 30%
APR - Retail Transaction
APR - Cash Advance
APR - BTF
APR - Lite Installment Plan
Code
GL
SC
-
-
52600900 Silver
52600930 Gold
52600960 Platinum
10) Minimum Monthly Payment
5% of the outstanding
balance or Rs.500/(whichever is higher)
11) Cash Advance Fee
12) Late Payment Fee
3% of the amount withdrawn
or Rs. 750/(whichever is higher)
Rs. 1,250/-
13) Over Limit Fee
Rs. 1,200/-
54300850 Silver
54300850 Gold
54300950 Platinum
14) Credit Guardian (Insurance) - Optional
0.79% of the monthly
outstanding balance
54302150
-
15) Family Security Plan
Plan A - Rs. 63/- per month 54302200
Plan B - Rs. 105/- per month
Plan C - Rs. 210/- per month
Plan D - Rs. 315/- per month
-
16) Child Education Plan
54302200
Plan A- Rs. 49/- per child
per month
Plan B - Rs. 98/- per child 54302200
per month
Plan C - Rs.125/- per child 54302200
per month
-
-
54301300 Silver
54301350 Gold
54301400 Platinum
54301000 Silver
54301050 Gold
54301100 Platinum
-
17) a) Hospital Cash Plan - Executive
21-35 years: Rs. 220/per month
36-50 years: Rs. 360/per month
51-60 years: Rs. 824/per month
Each Child 1-20 years:
Rs. 215/- per month
54302200
-
b) Hospital Cash Plan - Deluxe
21-35 years: Rs. 320/per month
36-50 years: Rs. 529/per month
51-60 years: Rs.1,200/per month
Each Child 1-20 years:
Rs. 300/- per month
54302200
-
18) Booking Charges - Balance Transfer (Open) Rs. 350/-
54302700
-
19) Booking Charges - Lite Installment Plan
54301150 Silver
Gold
54301250 Platinum
Rs. 350/- per transaction
or 1% of transaction
amount (whichever is
higher)
20) Cancellation Charges - Lite Installment Plan 5% of the installment
outstanding balance or
Rs.1,000/- (whichever is
higher)
Rs. 500/Rs. 1,000/-
21) a) Card Replacement Fee-Silver & Gold
b) Card Replacement Fee Platinum
30
54301150
54301250
-
54301450
54301550
-
CONSUMER BANKING
Code
Particulars
Charges
22) Credit Card Conversion Fee (for Basic and
Supplementary Cards excluding Platinum)
Rs. 500/- per card
23) Utility Bill Payment
Up to Rs. 50/- per transaction 54301900
24) Foreign Transaction Charges
Up to 3.5% of the
transaction amount
USD 500/- or equivalent
54300200
70502500
-
Up to Rs. 50/- per month
-
-
25) VISA/ MasterCard Arbitration Charges for
Disputed Transactions
26) SMS Alert Fee
GL
SC
54300550
54300600
-
-
27) Platinum Priority Pass Fee
a) Membership/Annual Fee
b) Airport Lounge Visit Fee
Free
USD 35/- per visit
28) Global Customer Assistance Service - Fee
a) Lost & Stolen Card
b) Emergency Card Replacement - VISA
Gold & Platinum
c) Emergency Card Replacement - VISA
Classic
d) Emergency Cash Disbursement
e) Emergency Service Request Denied or
Fulfilled by Issuer or Cancelled
f) Cardholder Inquiry Service / VISA
Assistance Centre
USD 35/- per request
USD 250/- per request
54302050
-
54301450
-
54300500
-
54203700
-
54202250
-
USD 225/- per request
USD 175/- per request
USD 50/- per request
USD 7.50/- per request
29) Shapes Visit charges
(For Platinum Credit cards only)
a) Primary Customers, charges will be
Rs. 1,000/applicable from 13th visit onwards in a month
Rs. 1,000/-
b) Supplementary Customers, charges will
be applicable from 5th visit onwards in a
month
H. GENERAL CONSUMER BANKING
CHARGES
1) Duplicate Statement
Rs. 35/- per statement
(not applicable on credit
card)
Rs. 400/- per cheque
2) Cheque Return Charges (not applicable on
term loans)
3) Collection on Customer Call
Rs. 250/- per pickup
4) UBL Airport Lounge Charges (Karachi Airport) Rs. 1000/-*
*Exceptions apply for Gold Credit Card and Platinum
Credit Card Customers
Note:
Markup will be charged on unpaid principal amount.
In addition to above, commission / service charges, courier/postage/ fax charges will also be
recovered according to prescribed tariff (wherever applicable).
In addition to the charges above, all applicable Government levies will also be recovered.
31
INTERNATIONAL BANKING
INTERNATIONAL BANKING
32
INTERNATIONAL BANKING
Particulars
Charges
Code
GL
SC
A. IMPORTS
1) Cash Letters of Credit:
a) Issuance of Letter of Credit
Upto 0.40% for 1st Qtr or
part thereof, Upto 0.25%,
for subsequent Qtr,
Min Rs. 2,200/2) Revalidation commission
Revalidation Commission
to be charged from the date
subsequent to the date of
expiry of LC at rates
applicable in case of
opening of fresh LC.
3) Transfer Commission-Commission on account Transfer commission will
of change in the beneficiary / country of advising be charged as applicable
in case of fresh Letter of
Credit
4) a) Non reimbursable L/C under Barter Aid /
1.0% on 1st Qtr and 0.30%
Loans and Authorization to pay
for each subsequent Qtr or
part thereof,
Min. Rs.1,500/b) L/C, L/G under "Suppliers / Buyers Credit" Pay Commission @ 0.40% per
Qtr or part thereof,
As You Earn Scheme (PAYES) and deferred
Min. Rs.2,500/payment L/Cs for period over one year
c) In case of L/G undertaking to be issued
favoring any bank for providing forward
cover exchange risk under Suppliers /
Buyers Credit behalf of applicant
d) L/C cancellation charges
54206000 LOC
54206050 AMC
54206000
-
54206000
-
54206000
-
Commission @ 1.6% per
annum,
Min. Rs.2,000/-
54203150
-
Rs. 2,000/- plus swift
charges Rs. 1000/- flat &
communication charge (at
actual)
54206100 LCN
5) Registration of contract with SBP in respect of Handling charges
Private Foreign Currency Loans obtained by Rs.7,500/- (flat)
borrowers in Pakistan from Foreign Lenders
54206150
-
Rs.1,000/- per application
6) Issuance of Certificate regarding opening of
L/C or registration of contract to another bank (flat)
for booking of forward exchange at importer’s
request
54208800
-
7) Bills are drawn at a Usance under the Letter a) Rs.1,500/-per bill (flat)
of Credit other than Pay As You Earn Scheme b) Extra Commission
and Supplier / Buyer Credit and Deferred
@ 0.10% per month or part
Payment Letters of Credit on yearly
thereof from any period
beyond the L/C validity till
maturity of the bill.
54206750 HDC
54206000 LEC
Note
In case forced PAD is created due to non payment on maturity against DA LC, commission @ 0.50%
is to be charged (once only) on the amount (net of margin) for which FPAD is created in addition to
mark-up @ 60 paisa PTPD (or as revised from time to time) from the date of maturity till the date of
payment.
8) Contract registration for import on annual
volume basis
9) L/C Amendment
10) Contract Amendment
11) Import documents received directly /
indirectly from the supplier to the applicant /
bank with / without registration of contract
and the payment made there against.
12) Mark-up & commission in case of import bills
under Import L/Cs
33
0.40%, (flat),
Min Rs.2,500/- (flat)
Rs. 1,500/- per amendment
(flat) or commission at rates
specified under items 1 and 4
(a) above, if amendment
increase in amount or
extension in period of
shipment.
Rs. 1,500/- (flat)
54206200 CRC
Rs.1,500/-(flat) Plus
service charges @ 18/paisa per Rs .100/Min, Rs 2,000/- swift
Charges Rs.1,000/-
54206750 HDC
54206400 RTC
57800400 SWS
54206050 AMC
54206200 CRC
INTERNATIONAL BANKING
Particulars
Charges
a) Mark-up in case of Import bills under Import 54 paisas per Rs.1,000/Letters of Credit
per day from the date of
negotiation till the date of
retirement (on the amount
for which PAD is created)
b) In addition to mark-up as per (12) (a),
Bank’s commission on the amount (net of
margin) for which PAD is created, as under:
i) If retired within 10 days from the date of No Commission
lodgment
ii) If retired during 15 days subsequent to 25 paisas per Rs.100/the period at item (i) above
iii) If retired during next 15 days after the
30 paisas per Rs.100/period mentioned in (i) and (ii) above
iv) If retired during next 190 days after the
40 paisas per Rs.100/period mentioned in item (i) (ii) and (iii)
above
13) Import bills returned unpaid
Handing charges USD
100/- (flat) or equivalent
plus courier charges Rs.
2,000/14) a) Collections
Rs.1,500/- (flat), per
collection
b) Import against advance payment to
Rs. 1,500/- (flat), plus
suppliers
service charges @15 paisa
per Rs.100/-,
Min Rs 1,500/- plus swift
charges Rs. 1,000/15) Service charges on L/cs retirement of
Import bills under L/c's / Contracts
a) Opened by us where Fx conversion
@ 15 paisa per Rs.100/forward is done by us
Min. Rs.1,500/b) Opened by us where Fx conversion /
@ 18 paisa per Rs.100/forward is done by other banks
Min. Rs.1,800/16) Reimbursement charges (payable to
At Actual
Reimbursement Bank)
17) Handling of discrepant documents under
USD 75/- or equivalent plus
swift charges Rs. 1,000/- flat
Import L/Cs
& communication charges
18) Issuance of freight certificate for Imports on
FOB basis
19) Extension in maturity of Usance Bills under
LC / Bank Contract
20) Expense Recovery Protest/ Legal Charges
Code
GL
SC
52700430
-
52700430
-
54206750 RTC
54206750 RTC
54206750
54206400
57800400
-
54206400 DEC
54206400 HDC
57800500
-
54206850 HDC
Rs 1,500/- per certificate
54206750
-
54206750
-
54206850
-
54206850
54206420
-
Rs.200/- (flat)
54206600
-
Rs.1,800/- (flat)
USD 60 (flat)
54206450 ADC
54206450 ADC
Rs.1,000/- (flat)
USD 30 (flat)
0.30%, Min. Rs.250/-
54206450 ADA
0.25% per quarter or part
thereof, Min. Rs.300/Rs.1,300/-(flat)
Rs.500/-(flat)
54206550 ELC
1,500/- (flat) per bill
Actual + USD 25/or equivalent
21) Handling of Imports Documents against PAD Rs. 1,500/- (flat)
Bills (Sight Bills)
22) Duplicate advice issuance
Rs.350/- per duplicate
advice
23) FED invoice certificate
Rs.1,000/- per certificate
24) Issuance of business performance certificate Rs.3,000/- per certificate
of previous years at the customer request
B. EXPORTS
1) Processing charges for Export Registration
2) Letter of Credit
a) Advising
(i) Beneficiary in Pakistan
(ii) Beneficiary outside Pakistan
b) Amendment Advising
(i) Beneficiary in Pakistan
(ii) Beneficiary outside Pakistan
c) Negotiation of bills against issued under
barter / remittance from SBP (rupee bill)
d) Confirmation
e) Transfer of Export
f) Reimbursement payment to other local
from non-resident rupee A/c
34
54206450 ADA
54206550 ADC
-
INTERNATIONAL BANKING
Particulars
Charges
3) Advance Payment
a) Service charges
b) Commission
c) Export Development Surcharge
0.15% Min Rs. 400/Rs. 200/- (flat)
As per prevailing SBP
regulations (as and when
the shipment is effected).
4) EDS handling charges
5) If the documents are sent to other banks for
negotiation under restricted Letter of Credit
6) Collections
a) Clean cheques / Drafts / FTCs
b) Documentary (on which bank does not earn
any exchange difference)
7) Duty Drawback Claim
8) Service charges against export documents
sent for collection basis where payment cover
is already received to our Foreign Currency
A/c
9) NOC Issued Document transferred against
Export document
10) Freight Subsidy
11) Research & Development Surcharge - R&D
handling charges
12) Any Certificate issued in current Financial
year including withholding tax certificate
a) Original
b) Duplicate
Code
GL
SC
54207850 4024
54206650 4023
41800800 EDS
Rs. 80/- (flat) per transaction 54206750 HCH
54206600
Rs. 400/-(flat)
Rs.100/Rs. 200/- per collection (flat)
54206800
-
0.25% of the amount of claim, 54206850 Min. Rs. 250/- per case
54206600/ ESC/
13 paisas per Rs.100/54206850 SCH
Rs. 500/- per bill
54206600 EBC
41400700
Rs. 400/- per case
0.25% of the amount of claim, 54206600
Min Rs. 250/- per case
-
54206600
-
54206600
-
-
Rs.1,000/- per certificate
Rs. 2,000/- per certificate
13) Trade Development Authority Registration
certificate verification
Rs. 200/- per certificate
Rs.300/- per duplicate
advice
15) a) Negotiation of documents drawn under
Mark-up rate @ 54 paisa
sight Letter of Credit (Delayed Realization) per Rs.1,000/- per day to
If proceeds not realized / credited to our
be charged
customer's a/c within 12 days than
mark-up is applicable to customer.
NICF facility will be charged for any delay
beyond
-
14) Duplicate advice issuance
b) Negotiation (Usance) (Delayed Realization) Mark-up rate @ 54 paisa
If payment of Foreign / Local Bills realized per Rs.1,000/- per day to
within 03 days, no mark-up to be charged. be charged
Incase proceeds not realized/credited to our
a/c within 03 days from the date of the
maturity till its adjustment than mark-up is
applicable to our customer's NICF facility or
as per special approval by the competent
authority. In case of no NICF facility is
available to the customer than mark-up will
be charged
52600330 EMU
52600330 EMU
16) Issuance of business performance certificate Rs.2,500/- per certificate
of previous years at the customer request
54206600
-
17) Sales Tax / FED invoice certificate
Rs.1,000/- per certificate
54206600 EBC
18) Export LC Cancellation
Rs.1,500/- plus swift
charges Rs. 1000/- flat &
communication charges
54206450 CAN
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.
In addition to above, commission/service charges, recovery of courier/postage / fax charges will
also be recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
35
INTERNATIONAL BANKING
Code
Particulars
Charges
19) Export Proceeds Transfer
Flat charges Rs. 500/only on Out-Bound Export
proceeds in FCY only
54206600 EBC
i) Issuance of FDD / FTT
Current FCY Accounts:
Commission @ 0.1% per
US$1,000/- or part
thereof,
equivalent for other
currencies, Min. US$5/-,
Max US$25/- or
equivalent
for other currencies.
Saving FCY Accounts:
Commission @ 0.25% per
US$1,000/- or part
thereof,
equivalent for other
currencies, Min. US$10/-,
Max US$50/- or
equivalent
for other currencies.
In addition, SWIFT
message
charges and foreign bank
charges also apply.
54207550 4002
ii) Remittance against surrender of Foreign
Currency notes or cash deposited in
Foreign Currency A/c within 15 days from
the date of such deposit
54207570 4003
Commission mentioned
under (a)(i)above, plus
service charges @ 0.25%
to be recovered Min Rs.200/-
GL
SC
C. REMITTANCES
1) Outward
a) Remittance abroad through Foreign
Currency Account
iii) Foreign Currency cash deposited in CFC In addition to commission 54207550 4004
A/c for realization of Export proceeds
mentioned at (a) (i) above,
plus service charges
@0.25% to be charged in
case of realization of Export
proceeds against cash
deposited in FCY A/c
Min Charges : US $10
or equivalent
Max Charges: US $ 125
or equivalent
0.6%, Min USD 7, Max USD 15 54206760 4005
In addition, foreign bank
charges also apply
iv) Collection /Local Clearing for F.C. A/c
v) A/c to A/c Funds Transfer of Foreign
Exchange Companies in Foreign Currency
A/c (having same title of A/c) within UBL
Branches (Locally)
54200240 4006
Commission @ USD 1
per 1000 or part thereof,
equivalent for other
currencies, Min USD 8,
Max USD 75, or equivalent
for other currencies
vi) Investigation Charges on FDD (older
than 1 year)
US $50/- or equivalent
c) Remittance abroad other than through Foreign
Currency A/c
i) Students (for education purpose)
Rs. 200/- plus foreign bank
charges
Commission mentioned
ii) Commission against issuance of
under (a) (i) above plus
FDDs / FTT from PKR Account
SWIFT charges
(Not Applicable on Advance payment
imports)
36
54207600 4007
54207660 4008
INTERNATIONAL BANKING
Particulars
Charges
iii) Commission against issuance of
FDD/FTT against Export
d) i) FDD / FTT cancellation charges
ii) Under general permission or specific
approval of SBP
SC
@ 15 paisas per Rs.100/-,
Min. Rs. 500/- In addition
to Commission mentioned
under (a) (i) above plus
SWIFT charges
Rs. 500/- per item plus
SWIFT charges. Foreign
bank charges also apply
incase of FDD
cancellation
54202450
-
Rs.500/-
54207750 4011
iii) FDD / FTT cancellation charges against Rs. 1,000/- per cancellation
plus SWIFT charges.
Export
Foreign bank charges also
apply incase of FDD
cancellation.
e) i) Issuance of duplicate FDD
Code
GL
Rs. 500/- flat plus SWIFT
charges (if appliable).
Foreign Bank Stop
payment charges also
apply.
ii) Issuance of duplicate FDD under Export Rs. 500/- flat plus
SWIFT charges (if
appliable). Foreign
Bank Stop payment
charges also apply.
2) Inward
a) Home Remittance
Free
54207750 4010
54207750 4012
54207700 4013
54207700 4014
-
-
b) Others
Free, if the proceeds are
credited to an A/c with
UBL. In other cases, flat
charges @ Rs.500/-
54207850
-
c) Commission charges on payment of
Inward Foreign Remittance/Swift Transfer
received in Foreign Currency (Charges
code SHA/BEN/OUR) and cover through
our various Nostros.These charges are to
be recovered only when TT buying rate is
applied.
Favoring UBL Customers
@ 0.15%, of remittance
proceeds Min Rs. 500/& Max Rs. 2,000/Beneficiaries with other
local banks flat charges
@ Rs. 2,000/-
54207850
-
54207850
-
d) Inward cheques expressed in Foreign Currency 0.15%, Min. Rs.400/drawn on Foreign Currency A/c received
from local / upcountry bank's branches for
payment in Pak Rupees after conversion at
authorised dealers buying TT clean rates
e) Direct Collection
i) Collection for Foreign Currency A/c or
Rupee A/c
ii) Cheque/Draft/FTCs Returned unpaid
0.6%, Min USD 7, Max
USD 15 or Equivalent
Rupees per collection (in
addition to foreign
Bank charges) plus
postage charges of Rs.
1,400/Rs. 500/- (flat) inaddition
to foreign bank charges
54207600
54207550
54203710
Note:
Whenever SWIFT message is sent, SWIFT/Communication charges will be recovered from
customer.
In addition to above, commission/service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered
37
INTERNATIONAL BANKING
Particulars
Charges
Code
GL
SC
D. MISCELLANEOUS
54208000
-
54203700
-
54203700
-
54203700
4) Inward Foreign Currency cheque, received
Commission @ 0.10%,
from local branches, upcountry branches or
Min. Rs.200/local banks for payment in Pak Rupees
(convert the relevant Foreign Currency at the
TT Buying rate)
5) Issuance of proceeds certificate beyond one year Rs.500/- (flat) per certificate 54206850
-
1) Correspondent Banking charges
2) Foreign bills sent for collection returned unpaid
3) Inward collection/Local Clearing received
relating to Foreign Currency A/c from abroad
or local banks / branches and where the
payment is demanded in Foreign Currency
At Actual
Rs.500/- (flat)
USD 5 per USD 1,000 or
part there of and Max.
USD 15
6) Credit check at customer's request
7) Service charges for verification of test /
signature and mail L/Cs
Rs.300/Rs.500/- per instance
8) Standing instructions charge in Foreign
Currency A/c
9) a) Negotiation of documents drawn under
sight letter of credit
b) Negotiation (Usance)
10) Issuance of business performance
11) Sales Tax / FED Invoice certificate (Export)
-
54206850
-
54206850
-
USD 5/- or equivalent per 54206850
transaction
52600301
If proceeds not realized /
credited to our customer's
account within 12 days then
markup @ applicable to our
customer NICF facility to be
charged for any delay
beyond 12 days. Incase no
NICF facility to the customer
then mark up @ 54 paisa per
Rs. 1,000/- per day to be
charged.
52600301
If payment Foreign/Local
bills realized within 3 days,
no markup to be charged.
Incase proceeds not
realized/credited to our
account within 3 days
from the date of maturity
then markup to be charged
from the date of maturity till
its adjustment @ applicable
to our Customer's NICF
facility or as per special
approval by the competent
authority. Incase of no NICF
facility is available to the
customer then markup
@54 paisa per Rs.1,000/per day to be charged.
-
54206850
54206850
-
Rs.2,000/- per certificate
Rs.1,000/- per certificate
-
-
Note:
In addition to above, commission/service charges, courier/postage/ fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered
38
COMMUNICATION CHARGES - GENERAL
COMMUNICATION
CHARGES - GENERAL
39
COMMUNICATION CHARGES - GENERAL
Particulars
Code
Charges
Communication Charges - General
1) a) Telephone
b) Fax
2) a) Postage Ordinary -(Inland)
b) Postage Registered
i) For Inland LC
ii) For foreign Import LC
c) Others
i) Inland
ii) Foreign
3) Courier
a) Courier (Within City & Intercity)
b) Courier-Foreign
c) Courier LC
d) Courier Charges for Account
Opening Welcome Pack/Cheque
Book/Debit Card (VISA & Master)
GL
Rs. 100/- per call
Rs. 100/- per message
Min Rs. 50/-
SC
57800100 1021
57800100 1022
57800200 1023-24
57800200 1023-24
Actual, Min Rs. 200/Actual, Min Rs. 1200/Rs. 75/- flat
Rs. 200/- flat
57800200 1023-24
Actual, Min Rs. 100/Actual, Min Rs. 1,300/Rs. 250/Free
57800400 1021
4) Swift
a) Full Text LC / Guarantee & Long
Messages
b) Short Text/LC amendment & other
messages
Rs.2,000/-flat
Rs.1,000/-flat
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 Inter Branch online
transaction will be recovered.
• See Page 12 & 13 for waivers on Business Partner Accounts & Business Partner Plus.
• All Government levies including Sales Tax / 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.)
• 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.
• Charges for cash collect will be subject to contractual agreement with the customer.
• For Inter Branch Online transaction OBC charges would not apply.
• Concession to UBL Staff is allowed as per policy and relevant circulars.
• Whenever swift message is sent, SWIFT/communication charges will be recovered from customer
40
41
DOMESTIC BANKING
DOMESTIC BANKING
42
DOMESTIC BANKING
Particulars
Charges
Code
GL
SC
A. REMITTANCES
1) Cashier's Cheque/Corporate Bankers
Cheque - CBC
54200100 1009
a) Issuance of Cashier's Cheque / CBC Through Account
Through Cash (For account holder &
non account holder)
Rs. 200/- (flat)
0.2% or Rs.1,000/whichever is higher
b) Cancellation of Cashier's Cheque /CBC
For Account Holders
For Non Account Holders
Rs. 300/- (flat)
Rs. 500/- (flat)
54200110 1009
54200150 1010
c) Issuance of Duplicate Cashier's Cheque /CBC Same as 1(a) above
54200120 1011
0.50% of fee/dues or Rs.25/- 54200100 1009
per instrument whichever is
less.(Charges are inclusive
of Sales Tax/FED)
d) Issuance of instrument for payment of
fees/dues in favor of Educational
Institution HEC/Board etc.
2) Inter Branch Online Transactions-both Within
City & Intercity
Note: No service fee shall be charged from
students depositing the amount of fee
directly in the fee collecting account
54203670 1006
a) Cash Deposits (Charges are to be
recovered from the Depositor)
i) Within City
ii) Intercity
Free
0.10% or Min Rs. 350/whichever is higher
b) Online Funds Transfer in PKR (Account
to Account transfer within UBL)
(Charges are to be recovered from the
remitter)
i) Within City
ii) Intercity
54200200 1007
Free
0.10% or Min Rs. 350/whichever is higher
c) Inter Bank Funds Transfer - IBFT via
Rs. 400/- (flat)
Branches and Contact Centre (through
1 Link within Pakistan only; charges are to
be recovered from the remitter)
54200250
d) Cash Withdrawals (Charges are to be
recovered from the account holder)
i) Within City
ii) Intercity
54203680 1008
Free
0.20% or Min. Rs. 375/whichever is higher
54200280 1015
54200240 1007
3) Inter Branch (A/c to A/c) Foreign Currency
Funds Transfer (Charges to be recovered
from Remitter)
a) Within City
Free
b) Intercity
Minimum
GBP 3/USD 5/AED 20/EURO 4/SAR 20/or 0.10% whichever is higher
4) Issuance of COII
For Account holders
-
Free
5) Duplicate COII Issuance Charges
Rs. 250/- (flat)
54200400 1111
6) DD/MT/PO Cancellation Charges
Rs. 500/- (flat)
54200150 1010
Note:
The Inter Branch (account to account) Foreign Currency Funds Transfer facility is available in all CBS
branches.
43
DOMESTIC BANKING
Particulars
Charges
Code
GL
SC
In addition to above, commission/service charges, courier/postage / fax charges will also be recovered
according to prescribed tariff (wherever applicable)
In addition to the charges above, all applicable Government levies will also be recovered.
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
For Inter Branch Online transaction, OBC charges would not apply.
Where Online system is down, remittance may be sent by other means but Inter Branch Online
Transactions charges will be recovered
See Misc. for waivers on Ameen Business Account.
ISB/Rwp, Chenab Nagar (Rabwah)/Chiniot and Khusab/Jahurabad are to be treated as twin cities &
all online transactions should be treated as within city.
B. BILLS
1) a) Clean (including cheques / dividend
0.25%, Min. Rs. 250/warrants / Bank Drafts / beyond NIFT / OBC Max. Rs. 10,000/Centers/ APC etc).
b) Intercity Clearing Charges
Rs. 300/- (flat)
54201450 1014
54203660 1089
c) Deduction of Cashier's Cheque Issuance Rs. 200/- (flat) plus courier
charges or actual wherever
Charges in Direct Collection where
applicable
NIFT/NBP services are not available
Note:
In case urgent collection of Local cheque of Rs. 0.500 mln and below, additional charges of
Rs. 200/- per collection and above Rs 0.500 mln, additional charge of Rs 300/- per collection is
to be recovered.
Postage / Courier charges are to be recovered on collection / realization of each instrument
(whether clean or documentary). However, in case where party has deposited more than 1
cheque instrument on particular date to be collected /drawn on the same branch of the bank,
postage / courier charges are to be recovered only once.
Collecting agent's charges, if the collecting bank is other than the bank, will also be recovered.
Communication charges will be recoverd, if fate of the instrument is asked for by telephone.
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 local clearing.
OBC charges only to be collected where cheques are physically lodged in collection.
C. i) PROJECT FINANCE /ADVANCES
Following charges may be recovered in addition
to profit on investment
1) Fee and charges in respect of Project Financing
a) Project evaluation / Appraisal fee
On case to case basis as
per agreement with the
party.
54202000 2001
-
b) Legal documentation fee for Trade Related / On case to case basis as
Project Finance
per agreement with the
party.
57800600
c) Trusteeship fee (to be recovered by the lead On case to case basis as
bank in case of consortium financing)
per agreement with the
party.
54202100 2003
d) Restructuring and Re-scheduling fee
On case to case basis as
per agreement with the
party.
54202150 2004
e ) Restructuring and Re-scheduling fee for
SAM related projects
On case to case basis as
per agreement with the
party.
At Actual
54202150 2006
2) Evaluation charges of property for security
Purpose
3) Non-Refundable Processing Fee for SME /
Commercial Financing including Funded and
Non-Funded Facilities
Upto Rs. 1 mIn
54202200 2007
Fresh / enhancement /
renewal CA Rs. 5,000/0.7% of facilities amount,
whichever is higher.
44
54202000 2005
DOMESTIC BANKING
Particulars
Charges
Above Rs.1 mIn and upto Rs.100 mln
Fresh/ enhancement/
renewal CA Rs. 7,500/- or
0.05% of facilities amount,
whichever is higher.
Above Rs. 100 mln
Negotiable with subject to a
minimum of Rs. 50,000/-
Code
GL
SC
4) For finance against pledge / hypothecation:
At Actual
54202250 2008
b) Godown staff salaries of Godown Keepers / At Actual
Chowkidar.
54202250 2009
c) Godown Inspection Charges
54202250 2010
a) Godown Rent
Shall be credited to Bank's
Income Account
i) Within municipal limits or within a radius of
10 kilometers from the branch
Stock Value Upto Rs.1 mln
Stock Value Above Rs.1 mln to 5 mln
Stock Value Above Rs.5 mln to 10 mln
Stock Value Above Rs.10 mln
ii) Outside the above limits
54202250 2010
Rs.200/Rs.500/Rs.1,000/Rs. 2,000/Plus actual conveyance
charges
(Max. one visit per month)
T.A. & D.A. as per rules.
Applicable to staff only in
addition to charges at
‘‘c (i)’’above
54202250 2010
54202250 2010
iii) Seasonal Financing (cotton, rice etc.)
Stock Value Upto Rs.5 mln
Stock Value Above Rs.5 mln
Rs.300/Rs.500/Plus T.A. & D.A. as per
rules. Applicable to staff only
d) Delivery Charges
i) If a Godown Keeper is not posted,
conveyance charges will be recovered
ii) Directors search / charge search / local
credit report / independent stocks
verification / independent credit report /
assets valuation
At Actual
54202250 2011
At Actual
e) CIB Report
i) For Individual
ii) For Corporate Entities
57800700 2012
Rs.100/- (flat)
Rs. 300/- (flat)
f) Other Incidental Expenses:
Insurance /Takaful/ Premium/
Contribution, Legal Charges, etc.
At Actual
57800500 2013
g) Handling charges on marking of lien
on Shariah Compliant Govt. Securities
Rs.500/- (flat) per customer
54202300 2014
h) Marking of lien on securities issued by
UBL Ameen for other banks
Rs.500/- (flat) per customer
54202300 2015
5) Other Charges on Advances / Financing
a) For the Issuance of NOC on the request of Rs.10,000/- (flat) per
customers for creating additional/ pari-passu transaction
charge/second charge on their fixed assets
for acquiring further project finance, finances
from other banks/financial institutions.
45
57800500 2016
DOMESTIC BANKING
Particulars
Charges
b) For the Issuance of NOC on the request of Rs.10,000/- (flat) per
customers for creating charge on their
transaction
current assets.
6-a) Redemption of charge fee to be recovered Rs.2,500/- (flat) per
from the party when bank officers are called property
before Registrar for redemption for the
mortgage.
Code
GL
SC
57800500 2017
57800500 2018
Rs.1,000/- per property
57800500 2019
Actual plus Rs. 1,000/- per
case
57800500 2020
b) Registration of charge at Registrar's office. Actual plus Rs. 1,000/- per
For Partnership/Proprietorship firms/
case
individual finances exceeding Rs.0.500 (M)
for mortgage at registrar of Property office
57800500 2021
b) Vacation of Charges
7-a) Registration with SECP & Lawyer's
charges for both Private & Public limited
companies where charge on current or
fixed assets is registered
Note:
In addition to above, commission/service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Regional Business
Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
D ). SALE AND PURCHASE OF SECURITIES,
SAFE CUSTODY ARTICLES IN SAFE
DEPOSIT AND SAFE DEPOSIT LOCKERS
1) Charges for collection of Dividend Warrant
54208050
0.30% on amount of profit
/return dividend collected/
paid Min Rs.20/- plus out of
pocket expenses Rs. 8,000/-
-
2) Stop payment Charges per Dividend Warrant
Rs.150/- flat
54208050
-
3) NIFT charges on the Dividend Warrant
No NIFT charges if MICR
codes are on the Dividend
Warrant otherwise Rs.10/each
54202700
-
4) Lockers
Safe deposit lockers fee to be recovered in advance at the commencement
of the period
a)
Small Medium Large
54202850 1017
Annual fee
3,000/- 4,000/- 6,000/Key Deposit (One time only)
3,000/- 3,500/- 4,000/54208050
b) Late payment charges
10%* of the applicable
(plus over due yearly rent)
annual locker rent every year
Note:
* Late payment charges will be recovered once
annually after rent is overdue for more than
30 days and shall be disbursed in the charity
Account.
c) Breaking Charges
Rs 3,500/- (flat) per Locker
or at actual, whichever is
higher
54205500 1019
54202850 1020
Note:
In addition to above, service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Regional Business
Head / Divisional Head.
No special waiver for current account holder will be allowed until approved / waived across the board
for all account holders.
In addition to the charges above, all applicable Government levies will also be recovered.
46
DOMESTIC BANKING
Particulars
Code
Charges
GL
E. GUARANTEES
Guarantees Amount Range
Service Charges per
From
To
Amount in PKR
Service Charges subsequent
quarter or part thereof quarter or part thereof
UPTO
500,000
1,250
625
500,001
800,000
3,250
1,625
800,001
1,000,000
4,500
2,250
1,000,001
1,500,000
6,250
3,125
1,500,001
2,000,000
8,750
4,375
2,000,001
2,500,000
11,250
5,625
2,500,001
3,000,000
13,750
6,875
3,000,001
3,500,000
16,250
8,125
3,500,001
4,000,000
18,750
9,375
4,000,001
4,500,000
21,250
10,625
4,500,001
5,000,000
23,750
11,875
5,000,001
5,500,000
26,250
13,125
5,500,001
6,000,000
28,750
14,375
6,000,001
6,500,000
31,250
15,625
6,500,001
7,000,000
33,750
16,875
7,000,001
7,500,000
36,250
18,125
7,500,001
8,000,000
38,750
19,375
8,000,001
8,500,000
41,250
20,625
8,500,001
9,000,000
43,750
21,875
9,000,001
9,500,000
46,250
23,125
9,500,001
10,000,000
48,750
24,375
10,000,001
12,500,000
56,250
28,125
12,500,001
15,000,000
68,750
34,375
15,000,001
17,500,000
81,250
40,625
17,500,001
20,000,000
93,750
46,875
20,000,001
22,500,000
106,250
53,125
22,500,001
25,000,000
118,750
59,375
25,000,001
27,500,000
105,000
52,500
27,500,001
30,000,000
115,000
57,500
30,000,001
32,500,000
125,000
62,500
32,500,001
35,000,000
135,000
67,500
35,000,001
37,500,000
145,000
72,500
37,500,001
40,000,000
155,000
77,500
40,000,001
42,500,000
165,000
82,500
42,500,001
45,000,000
175,000
87,500
45,000,001
47,500,000
185,000
92,500
47,500,001
50,000,000
195,000
97,500
50,000,001
52,500,000
179,375
89,688
52,500,001
55,000,000
188,125
94,063
55,000,001
57,500,000
196,875
98,438
57,500,001
60,000,000
205,625
102,813
60,000,001
62,500,000
214,375
107,188
47
SC
DOMESTIC BANKING
Particulars
Code
Charges
GL
62,500,001
65,000,000
223,125
111,563
65,000,001
67,500,000
231,875
115,938
67,500,001
70,000,000
240,625
120,313
70,000,001
72,500,000
249,375
124,688
75,000,001
77,500,000
266,875
133,438
77,500,001
80,000,000
275,625
137,813
80,000,001
82,500,000
284,375
142,188
82,500,001
85,000,000
293,125
146,563
85,000,001
87,500,000
301,875
150,938
87,500,001
90,000,000
310,625
155,313
90,000,001
92,500,000
319,375
159,688
92,500,001
95,000,000
328,125
164,063
95,000,001
97,500,000
336,875
168,438
97,500,001
100,000,000
345,625
172,813
1) Guarantee issued to shipping companies in lieu
of Bills of Lading / Endorsement of Airway Bills
2) Guarantees secured by cash margin / lien
over deposits
3) Consortium / Syndicate Guarantees
Rs.1,500/- (flat)
0.05% per quarter or part
thereof, Min. Rs.500/As per Term Sheet
applicable for the entire
Syndicate members
4) a) Back to Back guarantees including issued as per Guarantees
against counter guarantee of Foreign
Amount Slab/Range
correspondent bank and Performance
Min US $100
Bonds, Bid Bonds, Advance Payment
Guarantees, etc.
b) Counter Guarantee issued by us for
guarantee issuance abroad
SC
54203000 SGT
31501020 MO2 /
MO3
54203150
-
54203150 BGC
as per Guarantees Amount
Slab/Range Min US $100
54203150 BGC
Rs.1,200/- per amendment
(flat) or plus slabs specified
above if amendment involves
increase in amount
or extension in period. Incase
of back to back Guarantee:
USD 75 or plus slabs
specified under item 4 (a) and
(b) above, if amendment
involves increase in amount
or extension in period.
54203150 BGC
6) Service charges for handling claims lodged by
beneficiary
a) Guarantees issued at customer's request Rs 1,800/- (flat)
within Pakistan
b) Guarantees issued at request of foreign USD 120 (flat) or equivalent
banks / back to back
54203150 BGC
5) Amendment
Note:
Over Rs 100 Min Negotiable Minimum service charges Rs 2,000/- per annum per guarantee
or Rs 600/ per qtr wherever guarantee validity is less than one year. Charges may be waived
against 100 % cash kept in Margin Account.
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.
In addition to above, service charges, recovery of courier/postage / fax charges
will also be recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Regional Business
Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
All guarantees amount exceeding Rs 100 million shall attract additional service charges of Rs.
4000/- per 1 Million (per quarter or part thereof) & Rs 2,000/- for subsequent quarter
48
DOMESTIC BANKING
Particulars
Code
Charges
GL
F. LOCAL TRADE BUSINESS
(Inland Letter of Credit)
Minimum Rs. 2,200
From
UPT
To
500,000
2,200
500,001
800,000
2,600
800,001
1,000,000
3,600
1,000,001
1,500,000
5,000
1,500,001
2,000,000
7,000
2,000,001
2,500,000
9,000
2,500,001
3,000,000
11,000
3,000,001
3,500,000
13,000
3,500,001
4,000,000
15,000
4,000,001
4,500,000
17,000
4,500,001
5,000,000
19,000
5,000,001
5,500,000
21,000
5,500,001
6,000,000
23,000
6,000,001
6,500,000
25,000
6,500,001
7,000,000
27,000
7,000,001
7,500,000
29,000
7,500,001
8,000,000
31,000
8,000,001
8,500,000
33,000
8,500,001
9,000,000
35,000
9,000,001
9,500,000
37,000
9,500,001
10,000,000
39,000
10,000,001
12,500,000
45,000
12,500,001
15,000,000
55,000
15,000,001
17,500,000
65,000
17,500,001
20,000,000
75,000
20,000,001
22,500,000
85,000
22,500,001
25,000,000
95,000
25,000,001
27,500,000
105,000
27,500,001
30,000,000
115,000
30,000,001
32,500,000
125,000
32,500,001
35,000,000
135,000
35,000,001
37,500,000
145,000
37,500,001
40,000,000
155,000
40,000,001
42,500,000
165,000
42,500,001
45,000,000
175,000
45,000,001
47,500,000
185,000
47,500,001
50,000,000
195,000
50,000,001
52,500,000
205,000
52,500,001
55,000,000
215,000
55,000,001
57,500,000
225,000
57,500,001
60,000,000
235,000
60,000,001
62,500,000
245,000
62,500,001
65,000,000
255,000
Per quarter or part thereof
49
SC
DOMESTIC BANKING
Particulars
Code
Charges
GL
65,000,001
67,500,000
265,000
67,500,001
70,000,000
275,000
70,000,001
72,500,000
285,000
72,500,001
75,000,000
295,000
77,500,001
80,000,000
315,000
80,000,001
82,500,000
325,000
82,500,001
85,000,000
335,000
85,000,001
87,500,000
345,000
87,500,001
90,000,000
355,000
90,000,001
92,500,000
365,000
92,500,001
95,000,000
375,000
95,000,001
97,500,000
385,000
97,500,001
100,000,000
395,000
SC
NOTE:
LC service charges in case of Import Murabaha / Import Ijarah will be built in
murabaha cost / Ijarah installment
Discount may be offered to customers in the above mentioned charges subject
to the Regional Head's approval.
All LC amount exceeding Rs.100 Million shall attract additional service charges
of Rs. 5,000/- (First Quarter) per Rs. 1 Million each (or part thereof) and
Rs. 2,500/- (for Subsequent Quarter)
1) Local Imports LC
a) Inland Letters of Credit issuance
b) Inland LC Amendment charges
as per Letter of credit
(Inland) grid
54206000 LOC
Rs.1,500/- (flat) per
transaction plus charges as
per item
a) above if increase in
amount.
54206050 AMC
c) Swift Charges
57800400 SWF
i) LC Issuance
Min. Rs.2,000/- or actual
whichever is higher
ii) Amendment Issuance
Min. Rs.1,000/- or actual
whichever is higher
d) Duplicate Advices
e) Sales Tax/ FED invoice certificate
f) Inland LC Cancelation Charges
Rs.350/- per duplicate
advice
Rs.1,000/- per certificate
57800500
-
54206850
-
Rs.2,000/- plus swift
charges Rs.1,000/- flat &
communication charges
54206100 LCN
2) Local Import Bills
a) Sight Bills
i) Collection charges for Inland LC /
Rs. 1,500/- (flat) per bill
Restricted LC & Handling of Inland Import
Documents against PAD Bill (Sight Bill)
54206750 HDC
b) Usance Bills
i) Collection Charges
0.40% per bill Min. Rs.1,500/-
54206400 RT1
ii) If bill matures after expiry of LC
Charges under b) i) plus
delivery of documents
against acceptance
commission @ 0.10% per
month on bill amount
realization from the date of
expiry of LC
54206300 LEC
Payment commission;
Rs.600/- (flat)
54201000 POC
c) Payment of Bill drawn under Inland LC
50
DOMESTIC BANKING
Particulars
Code
Charges
GL
SC
d) Inland LC Documents Returned Unpaid
Rs. 3,000/- (flat) plus swift
charge Rs. 1,000/- flat &
Communication charges
54207650 HDC
e) Handling of Inland LC Documents with
discrepancies
Rs. 3,000/- (flat) plus swift
charge Rs. 1,000/- flat
& Communication charges
54206850 DEC
f) Issuance of Business Performance
Certificate of Previous Years at the
Customer’s Request
Rs.3,000/- (flat) per
certificate
54206850
i) LC Advising
ii) LC Amendment Advising
iii) Postage/Courier Charges for LC
& Amendment Advising
Rs.1,200/- (flat)
Rs.800/- (flat)
Rs.150/- (flat)
54201100 ADC
54206500 ADA
57800200 COU
iv) Inland LC Confirmation charges
As per FIG arrangement
54206550 ELC
i) Collection charges for inland LC /
restricted LC
Rs. 1,000/- (flat) per bill
54201200
ii) If negotiation is restricted to some other
bank
Rs. 500/- (flat) per bill will
be charged by the
forwarding branch
iii) Postage/Courier Charges for LCs &
Amendments Advising
Rs. 150/-
-
3 a) In Land Export LC Advising
b) Documentary bills drawn against Inland
Letter of Credit Sight bills
c) Duplicate Advices
57800200 COU/
CO1
Rs. 250/- per duplicate
advise
Rs. 1,000/- per certificate
d) Sales Tax/ FED Invoice Certificate
-
e) Documentary collection (drawn against LC) 0.4% Min Rs. 500/- Plus
communication charges
f) Documentary collection other than those
0.4% Min Rs. 500/- Plus
drawn against LC)
communication charges
54206850
-
54206850
-
54206600
-
54206600
-
52600330
Rs.1,500/- plus swift charge
Rs. 1,000/- flat &
communication charges
g) Export LC Cancellation
54206450 CAN
Note:
In addition to above, service charges, recovery of courier/postage/telex/fax/cable charges will also
be made according to tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Regional Head
In addition to the charges above, all applicable Govt levies will also be recovered
If bill matures after expiry of L/C
(Acceptance)
(B)
Minimum Rs. 1,200
From
To
Per month or part thereof
1,000,000
1,200
1,000,001
1,500,000
1,500,001
2,000,000
1,250
1,750
2,000,001
2,500,000
2,250
2,500,001
3,000,000
2,750
3,000,001
3,500,000
3,250
3,500,001
4,000,000
3,750
4,000,001
4,500,000
4,250
UPT
51
DOMESTIC BANKING
Particulars
Charges
Code
GL
4,500,001
5,000,000
4,750
5,000,001
5,500,000
5,250
5,500,001
6,000,000
5,750
6,000,001
6,500,001
6,500,000
7,000,000
6,250
6,750
7,000,001
7,500,500
7,250
7,500,001
8,000,000
7,750
8,000,001
8,500,001
8,500,000
9,000,000
8,250
8,750
9,000,001
9,500,000
9,250
9,500,001
10,000,000
9,750
10,000,001
12,500,000
11,250
12,500,001
15,000,000
13,750
15,000,001
17,500,000
16,250
17,500,001
20,000,000
18,750
20,000,001
22,500,000
21,250
22,500,001
25,000,000
23,750
25,000,001
27,500,000
26,250
27,500,001
30,000,000
28,750
30,000,001
32,500,001
32,500,000
35,000,000
31,250
33,750
35,000,001
37,500,000
36,250
37,500,001
40,000,000
38,750
40,000,001
42,500,000
41,250
42,500,001
45,000,000
43,750
45,000,001
47,500,000
46,250
47,500,001
50,000,000
48,750
50,000,001
52,500,000
51,250
52,500,001
55,000,000
53,750
55,000,001
57,500,000
56,250
57,500,001
60,000,000
58,750
60,000,001
62,500,000
61,250
62,500,001
65,000,000
63,750
65,000,001
67,500,000
66,250
67,500,001
70,000,001
70,000,000
72,500,000
68,750
71,250
72,500,001
75,000,000
73,750
75,000,001
77,500,000
76,250
77,500,001
80,000,000
78,750
82,500,001
85,000,000
83,750
85,000,001
87,500,000
86,250
87,500,001
90,000,000
88,750
90,000,001
92,500,001
92,500,000
95,000,000
91,250
93,750
95,000,001
97,500,000
96,250
97,500,001
100,000,000
98,750
SC
Note:
If the maturity of the bill falls within L/C validity no acceptance charges will be recovered
If the bill falls due for payment beyond the validity of the L/C then the above service charges
Will be charged per month from the L/C expiry date till the date of actual bill retirement
All acceptances over Rs 100 Million shall attract additional charges of Rs.750/ per
rupees 1 M i l l i o n e a c h ( m o n t h l y o r pa r t t h e r e o f )
The Regional Head, at its discretion, may offer reduced rates to the customer
52
DOMESTIC BANKING
Particulars
Charges
Code
GL
SC
4) Charges on Encashment / Collection of profit Rs.300/- per scrip
coupons for certificates issued by other banks
5) Credit information report including credit
report on Foreign Supplier / Buyers
a) Within City Report
Rs.1,200/- payable by Agents
plus Rs.500/- service charges
b) Foreign Report
Actual Foreign Agents
charges equivalent in Pak.
Rupees Plus Rs. 600/service charges
c) If requested by Banks/DFIs.
Free
6) Standing instructions fee to be recovered in Rs.200/-per attempt
addition to the usual charges on remittance,
if any
Rs.150/- per certificate
7) Emigration Certificate
Rs.150/- per certificate
8) Proprietorship Certificate
Rs.150/- per certificate
9) No Objection Certificate (NOC)
54208050
-
54208050
-
54208050
-
-
-
10) Statement of Profit Earned & WHT / Zakat Rs. 150/- per certificate
Deduction
11) Charges for verification of account balance Rs. 250/- per verification
to third party based on customer's consent
(Exemption for: Students applying for visa
to proceed for Foreign Education)
12) Charges on Dividend Warrants
i) Minimum @0.50% per
handling / payment to be recovered from
Dividend Warrant
Dividend delivering company
or Rs. 150/- whichever
is higher
ii) Out of pocket expense
Rs.10,000/-
54204100 1042
54204050 1064 1075
54204100 1040
54204100 1040
54204100 1040
54204150 10411941
54204500
-
Note:
AMEEN BUSINESS ACCOUNT (ABA) WAIVER GRID
Eligible for 100% waiver of Schedule of Charges for the following services
Online Transactions country wide
Free
Ameen VISA Debit Card
Free
Cheque Book Issuance (First Cheque Book)
Free
Issuance of Cashier's Cheque / (Pay Order)
Free
Stop Payment Charges of Instrument
Free
Receipt of Over the Counter Cash
Free
Cancellation of Cashier's Cheque / Pay Order
Free
Cheque Return Unpaid
Free
Clean Bill for Collection
Free
SMS Alerts
Free
Duplicate Cashier's Cheque / (Pay Order)
Free
Duplicate Account Statement
Free
Note:
i) Minimum daily Average Balance for waiver grid Rs 25,000/ii) In addition to above, service charges , recovery of courier/postage /telex/fax/cable charges will also be made
according to tariff wherever applicable
iii) Charges negotiable on case to case basis under approval of relevant Regional Head.
iv) In addition to the charges above, all applicable govt levies will also be recovered.
a
b
c
d
e
f
g
h
i
j
k
I
G. Miscellaneous
1) a) Delivery of Statement of account (Mandatory) Free
b) Duplicate/On-Demand Statement of Account Rs. 35/- per statement
(Charges are inclusive
of Sales Tax/FED)
2) Issuance of SBP/ NBP cheques / Special Clearing Rs.500/- per cheque
3) 3rd Party Funds Transfer through Pakistan Real
Time Interbank Settlement Mechanism (PRISM/
RTGS) System
Days
Transaction Time Windows
9:00 am to 1:30 pm
Monday to Friday
1:30 pm to 3:00 pm
3:00 pm to 4:00 pm
9:00 am to 11:30 am
Saturday
11:30 am to 12:30 pm
53
-
-
54203500 1005
54203550 1026
-
Per Transaction Charges (PKR)
Rs. 220/Rs. 330/Rs. 550/Rs. 220/Rs. 330/-
-
DOMESTIC BANKING
Particulars
Charges
4) Handling charges for issuance of Student
Rs. 300/- per case
Exchange Remittance permit and maintenance
of record for subsequent remittances
5) Issuance of Balance/Account maintenance Rs. 300/- per certificate
certificate on customer's request
6) Charges for same day collection/clearing
Rs. 500/- (flat) per instrument
cheque through NIFT
7) Charges of Voice Biometric per year
Upto Rs. 500/-
8) Stop payment charges of Cheque /TT/RTC/ For PKR. A/c - Rs. 350/PO/DD
(flat) per instruction*
For F.C A/c - US $ 10/per instruction*
Note:
GBP 6/- per instruction*
*one instruction may include advice for series/ EURO 7/- per instruction*
multiple instructions
AED 35/- per instruction*
SAR 35/- per instruction*
9) Charges for cheque return unpaid
Code
GL
SC
54203600
-
54203500 1027
54203650 1030
-
-
54202650 1004
54203700 1032/
1033
PKR 400/-, USD 5/GBP 3/-, EUR 4/AED 20/-, SAR 20/-
10) a) Cost of Issuance of all Currency Cheque
Books
i) MICR
For Accounts
For All other Accounts
ii) NON - MICR
b) Cost of issuance of customized cheque books
54203750 1003
Rs. 10/- per leaf (flat)
Rs. 7/- per leaf (flat)
Rs. 15/- per leaf
54203750 1079
Charges as in 10(a) above plus
actual cost of cheque book
c) Corporate Customer's Cheque Books/Leaves On case to case basis, as
per agreement with the party
No joining fee. Annual fee to be recovered in advance. No refund on account closure.
In addition to above, commission/service charges, recovery of courier/postage fax charges will
also be made according to prescribed tariff (wherever applicable).
Charges negotiable on case basis under approval of relevant Regional Head.
In additional to the charges above, all applicable Government levies will also be recoverd.
54
CONSUMER BANKING
CONSUMER BANKING
55
CONSUMER BANKING
Particulars
Code
Charges
GL
SC
A. ATM / DEBIT CARD
1) General Debit / Prepaid Card Charges
a) Annual Charges
Card Type
Gold
Silver
Basic
500/300/-
b) Card Replacement Fee (Upon Request
Supplementary
250/150/Rs.350/-
c) Switch Transaction Fee
i) Withdrawals on 1 Link ATMs other than UBL Rs.15/Rs.15/ii) Withdrawals on other Switches
d) International Usage Charges
3% of transaction amount
i) ATM Withdrawal
ii) POS & Internet Purchase
a) Purchase in Currency other than USD
and PKR
b) Purchase in USD and PKR
e) Balance Inquiry
i) Within Pakistan from Non 1 Link ATMs
ii) From Outside Pakistan
f) Internet Usage
i) Activation Charges
ii) Per Session Charges
54204800 1067
54204830 1068
54204850 1051
Free
3.5% of transaction amount 54204850 1052
Rs. 5/- per transaction
Rs. 100/- per transaction
Free
Rs.100/-
54204830 1071
-
-
54204420 1085
g) Charge on Declined POS Transaction
i) For Local - Incase of Low Balance and
Excess Over Limit
ii) For International - Incase of Low Balance
and Excess Over Limit
h) Funds Transfer through ATM
Rs. 5/Rs. 35/-
54204410 10831084
Within UBL Rs. 50/- per
transaction.
Outside UBL Rs. 100/- per
transaction.
54200230 1149
Monthly Charges of Rs.50/-*
(For first 50 SMS) Re. 1 per
SMS thereafter
Monthly Charges of Rs.100/-*
(For first 150 SMS)
Re. 0.5 per SMS thereafter
54204570
-
54204570
-
Monthly Charges for first 150
SMS) Charges Equivalent to
Re. 1 per SMS thereafter
US$: 0.5
AED: 1.8
Saudi Riyal: 1.8
GBP: 0.31
Euro: 0.4
54204570
-
Monthly Charges for first 150
SMS) Charges Equivalent to
Re. 0.50 per SMS thereafter
US$: 1.0
AED: 3.6
Saudi Riyal: 3.6
GBP: 0.62
Euro: 0.8
54204570
-
-
-
1049
B. UBL GO GREEN
1) SMS Alert Charges
a) For LCY Accounts
i) Basic Service
ii) Premium Service
b) For FCY Account
i) Basic Service
ii) Premium Service
Note:
*Mandatory monthly deduction irrespective of
number of SMS
b) E-Statement
i) Statement of Account through E-mail
56
Free
CONSUMER BANKING
Particulars
Charges
Code
GL
SC
Note:
In addition to above, commission/service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Regional Business Head/
Divisional Head
In addition to the charges above, all applicable Government levies will also be recovered.
C. AMEEN AUTO IJARAH
1) Application Processing
Charges
2) Vehicle Evaluation Charges*
3) Late Payment Charges (Charity)
4) Vehicle Re-Possession Charges*
Rs. 6,000/- + FED(on
approval)
Rs. 5,000/-
-
-
-
-
Up to 20% p.a on
outstanding rentals by
actual number of over due
days to be credited in
charity account.
Actual incurred by the
bank up to a maximum
of Rs. 50,000/-
-
-
-
-
5) Repossessed Vehicle Evaluation Charges* Rs. 2,500/-
-
-
6) Auction Charges
7) Insurance/TAKAFUL Charges*
-
-
8) Re-issuance of NOC
Note:
*These charges are quoted by the vendor & are
subject to change.
Rs. 5,000/As per the rate quoted by
the Insurance/TAKAFUL
Company Upto Rs. 1,000/-
9) Cheque Return Charges
10) Over the Counter Cash
Payment
Rs. 400/- per cheque
NIL within UBL Ameen
network
11) Resumption of Ijarah After
Repossession
Rs. 5,000/-
12) Change of vehicle after
approval
Rs. 2,500/- flat
13) Old (Local/Imported)
vehicle processing charges
Rs. 5,000/- + FED to be
recovered per car
(on approval)
-
-
-
-
D. GENERAL CONSUMER BANKING
CHARGES
1) Duplicate Statement
Rs. 35/- per statement
(not applicable on credit
card)
2) Cheque Return Charges (not applicable on Rs. 400/- per cheque
term Financing)
3) Collection on Customer Call
Rs. 250/- per pickup
57
54203700
-
54202250
-
INTERNATIONAL BANKING
INTERNATIONAL BANKING
58
INTERNATIONAL BANKING
UBL Ameen Islamic Banking-Schedule of Bank Charges (Jan-Jun 2015)
INTERNATIONAL BANKING
Imports
Amount
Range
Amount in PKR
Letter of Credit
1st Quarter or part
thereof
Subsequent Qtr
or part thereof
Upto
500,000
2,200
1,250
500,001
800,000
2,600
1,625
800,001
1,000,000
3,600
2,250
1,000,001
1,500,000
5,000
3,125
1,500,001
2,000,000
7,000
4,375
2,000,001
2,500,000
9,000
5,625
2,500,001
3,000,000
11,000
6,875
3,000,001
3,500,000
13,000
8,125
3,500,001
4,000,000
15,000
9,375
4,000,001
4,500,000
17,000
10,625
4,500,001
5,000,000
19,000
11,875
5,000,001
5,500,000
21,000
13,125
5,500,001
6,000,000
23,000
14,375
6,000,001
6,500,000
25,000
15,625
6,500,001
7,000,000
27,000
16,875
7,000,001
7,500,000
29,000
18,125
7,500,001
8,000,000
31,000
19,375
8,000,001
8,500,000
33,000
20,625
8,500,001
9,000,000
35,000
21,875
9,000,001
9,500,000
37,000
23,125
9,500,001
10,000,000
39,000
24,375
10,000,001
12,500,000
45,000
28,125
12,500,001
15,000,000
55,000
34,375
15,000,001
17,500,000
65,000
40,625
17,500,001
20,000,000
75,000
46,875
20,000,001
22,500,000
85,000
53,125
22,500,001
25,000,000
95,000
59375
25,000,001
27,500,000
105,000
65,625
27,500,001
30,000,000
115,000
71,875
30,000,001
32,500,000
125,000
78,125
32,500,001
35,000,000
135,000
84,375
35,000,001
37,500,000
145,000
90,625
37,500,001
40,000,000
155,000
96,875
40,000,001
42,500,000
165,000
103,125
42,500,001
45,000,000
175,000
109,375
45,000,001
47,500,000
185,000
115,625
47,500,001
50,000,000
195,000
121,875
50,000,001
52,500,000
179,375
128,125
52,500,001
55,000,000
188,125
134,375
55,000,001
57,500,000
196,875
140,625
57,500,001
60,000,000
205,625
146,875
60,000,001
62,500,000
214,375
153,125
59
INTERNATIONAL BANKING
62,500,001
65,000,000
223,125
159,375
67,500,001
70,000,000
240,625
171,875
70,000,001
72,500,000
249,375
178,125
72,500,001
75,000,000
258,125
184,375
75,000,001
77,500,000
266,875
190,625
77,500,001
80,000,000
275,625
196,875
80,000,001
82,500,000
284,375
203,125
82,500,001
85,000,000
293,125
209,375
85,000,001
87,500,000
301,875
215,625
87,500,001
90,000,000
310,625
221,875
90,000,001
92,500,000
319,375
228,125
92,500,001
95,000,000
328,125
234,375
95,000,001
97,500,000
336,875
240,625
97,500,001
100,000,000
345,625
246,875
* LC service charges in case of Import Murabaha / Import Ijarah will be built in murabaha cost /
Ijarah Installment
** Discount may be offered to customers in the above mentioned charges subject to the Regional
Head’s approval.
*** All LC amount exceeding Rs.100 Million shall attract additional service charges of Rs. 5,000/(First Quarter) per Rs. 1
A. IMPORTS
1) Cash Letters of Credit:
a) Issuance of Letter of Credit
As per International import
A, slab of SOC
Rs. 100/- Min
As per Credit Approval
b) Profit on spot LC Murabaha
c) Profit on spot PAD Murabaha
2) Revalidation commission
54206000 LOC
54206050 AMC
Revalidation Commission
to be charged from the date
subsequent to the date of
expiry of LC at rates
applicable in case of
opening of fresh LC.
3) Transfer Commission-Commission on account Transfer Commission will
of change in the beneficiary / country of advising be charged as applicable
incase of fresh Letter of
Credit
4) L/C cancellation charges
Rs. 2,000/- plus swift
charges Rs. 1000/- flat &
communication charge (at
actual)
54206000
54206100 LCN
0.40%, (flat),
Min Rs.2,500/- (flat)
Rs. 1,500/- per amendment
(flat) or commission at rates
specified under items 1
above, if amendment
increase in amount or
extension in period of
shipment.
54206200 CRC
7) Contract Amendment
Rs. 1,500/- (flat)
54206200 CRC
8) Import documents received directly /
indirectly from the supplier to the applicant /
bank with / without registration of contract
and the payment made there against.
Rs.1,500/-(flat) Plus
service charges @ 18/paisa per Rs .100/Min, Rs 2,000/- swift
Charges Rs.1,000/-
54206750 HDC
54206400 RTC
57800400 SWS
5) Contract registration for import on annual
volume basis
6) L/C Amendment
60
54206050 AMC
INTERNATIONAL BANKING
Particulars
Charges
9) Profit / services charges in case of import
bills under Import L/Cs
i) If retired within 10 days from the date of
lodgment
ii) If retired during 15 days subsequent to
the period at item (i) above
iii) If retired during next 15 days after the
period mentioned in (i) and (ii) above
iv) If retired during next 190 days after the
period mentioned in item (i) (ii) and (iii)
above
10) Import bills returned unpaid
11) a) Collections
b) Import against advance payment to
suppliers
12) Service charges on L/cs retirement of
Import bills under L/c's / Contracts
a) Opened by us where Fx conversion
forward is done by us
b) Opened by us where Fx conversion /
forward is done by other banks
13) Reimbursement charges (payable to
Reimbursement Bank)
14) Handling of discrepant documents under
Import L/Cs
Code
GL
SC
52700430
-
No Commission
As per Approval
As per Approval
As per Approval
Handing charges USD
100/- (flat) or equivalent
plus courier charges Rs.
2,000/Rs.1,500/- (flat), per
collection
Rs. 1,500/- (flat), plus
service charges @15 paisa
per Rs.100/-,
Min Rs 1,500/- plus swift
charges Rs. 1,000/-
54206750 RTC
@ 15 paisa per Rs.100/Min. Rs.1,500/@ 15 paisa per Rs.100/Min. Rs.1,800/-
54206400 DEC
At Actual
57800500
USD 75/- or equivalent plus
swift charges Rs. 1,000/- flat
& communication charges
54206850 HDC
15) Issuance of freight certificate for Imports on Rs 1,500/- per certificate
FOB basis
16) Extension in maturity of Usance Bills under 1,500/- (flat) per bill
LC / Bank Contract
17) Expense Recovery Protest/ Legal Charges Actual + USD 25/or equivalent
18) Handling of Imports Documents against PAD Rs. 1,500/- (flat)
Bills (Sight Bills)
54206750 RTC
54206750
54206400
57800400
-
54206400 HDC
-
54206750
-
54206750
-
54206850
54206420
-
Rs.200/- (flat)
54206600
-
Rs.1,800/- (flat)
USD 60 (flat)
54206450 ADC
54206450 ADC
Rs.1,000/- (flat)
USD 30 (flat)
54206450 ADA
0.25% per quarter or part
thereof, Min. Rs.300/Rs.1,300/-(flat)
Rs.500/-(flat)
54206550 ELC
0.15% Min Rs. 400/Rs. 200/- (flat)
As per prevailing SBP
regulations (as and when
the shipment is effected).
54207850 4024
54206650 4023
19) FED invoice certificate
Rs.1,000/- per certificate
20) Issuance of business performance certificate Rs.3,000/- per certificate
of previous years at the customer request
B. EXPORTS
1) Processing charges for Export Registration
2) Letter of Credit
a) Advising
(i) Beneficiary in Pakistan
(ii) Beneficiary outside Pakistan
b) Amendment Advising
(i) Beneficiary in Pakistan
(ii) Beneficiary outside Pakistan
c) Confirmation
d) Transfer of Export
e) Reimbursement payment to other local
banks from non-resident rupee A/c
3) Advance Payment
a) Service charges
b) Commission
c) Export Development Surcharge
61
54206450 ADA
54206550 ADC
-
41800800 EDS
INTERNATIONAL BANKING
Particulars
Charges
4) EDS handling charges
Rs. 80/- (flat) per transaction
5) Collections
a) Clean cheques / Drafts / FTCs
Rs.100/b) Documentary (on which bank does not earn Rs. 200/- per collection (flat)
any exchange difference)
6) Duty Drawback Claim
0.25% of the amount of claim,
Min. Rs. 250/- per case
7) Service charges against export documents
13 paisas per Rs.100/sent for collection basis where payment cover
is already received to our Nostro A/c
8) NOC Issued Document transferred against
Export document
9) Freight Subsidy
10) Research & Development Surcharge - R&D
handling charges
11) Any Certificate issued in current Financial
year including withholding tax certificate
a) Original
b) Duplicate
Rs. 500/- per bill
Code
GL
SC
54206750 HCH
54206800
-
54206850
-
54206600/ ESC/
54206850 SCH
54206600 EBC
41400700
Rs. 400/- per case
0.25% of the amount of claim, 54206600
Min Rs. 250/- per case
-
54206600
-
54206600
-
-
Rs.1,000/- per certificate
Rs. 2,000/- per certificate
12) Trade Development Authority Registration
certificate verification
Rs. 200/- per certificate
Rs.300/- per duplicate
advice
14) Issuance of business performance certificate Rs.2,500/- per certificate
of previous years at the customer request
-
13) Duplicate advice issuance
54206600
-
15) Sales Tax / FED invoice certificate
Rs.1,000/- per certificate
54206600 EBC
16) Export LC Cancellation
Rs.1,500/- plus swift
charges Rs. 1000/- flat &
communication charges
54206450 CAN
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.
In addition to above, commission/service charges, recovery of courier/postage / fax charges will
also be recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered.
17) Export Proceeds Transfer
C. REMITTANCES
1) Outward
a) Remittance abroad through Foreign
Currency Account
i) Issuance of FDD / FTT
ii) Remittance against surrender of Foreign
Currency notes or cash deposited in
Foreign Currency A/c within 15 days from
the date of such deposit
62
Flat charges Rs. 500/only on Out-Bound Export
proceeds in FCY only
54206600 EBC
Current FCY Accounts:
Commission @ 0.1% per
US$1,000/- or part
thereof,
equivalent for other
currencies, saving or A/C
Min. US$5/-, Max US$25/or equivalent for other
currencies.
In addition, SWIFT
message
charges and foreign bank
charges also apply.
54207550 4002
54207570 4003
Commission mentioned
under (a)(i)above, plus
service charges @ 0.25%
to be recovered Min Rs.200/-
INTERNATIONAL BANKING
Particulars
Charges
iii) Foreign Currency cash deposited in CFC In addition to commission
A/c for realization of Export proceeds
mentioned at (a) (i) above,
plus service charges
@0.25% to be charged in
case of realization of Export
proceeds against cash
deposited in FCY A/c
Code
GL
SC
54207550 4004
Min Charges : US $10
or equivalent
Max Charges: US $ 125
or equivalent
iv) Collection /Local Clearing for F.C. A/c
0.6%, Min USD 7, Max USD 15
In addition, foreign bank
charges also apply
54206760 4005
v) A/c to A/c Funds Transfer of Foreign
Exchange Companies in Foreign Currency
A/c (having same title of A/c) within UBL
Branches (Locally)
Commission @ USD 1
per 1000 or part thereof,
equivalent for other
currencies, Min USD 8,
Max USD 75, or equivalent
for other currencies
US $50/- or equivalent
54200240 4006
vi) Investigation Charges on FDD (older
than 1 year)
b) Remittance abroad other than through Foreign
Currency A/c
i) Students (for education purpose)
Rs. 200/- plus foreign bank
charges
Commission mentioned
ii) Commission against issuance of
under (a) (i) above plus
FDDs / FTT from PKR Account
SWIFT charges
(Not Applicable on Advance payment
imports)
54207600 4007
54207660 4008
@ 15 paisas per Rs.100/-,
Min. Rs. 500/- In addition
to Commission mentioned
under (a) (i) above plus
SWIFT charges
Rs. 500/- per item plus
SWIFT charges. Foreign
bank charges also apply
incase of FDD
cancellation
54202450
ii) Under general permission or specific
approval of SBP
Rs.500/-
54207750 4011
iii) FDD / FTT cancellation charges against
Export
Rs. 1,000/- per cancellation
plus SWIFT charges.
Foreign bank charges also
apply incase of FDD
cancellation.
Rs. 500/- flat plus SWIFT
charges (if appliable).
Foreign Bank Stop
payment charges also
apply.
54207750 4012
Rs. 500/- flat plus
SWIFT charges (if
appliable). Foreign
Bank Stop payment
charges also apply.
Free
54207700 4014
-
-
Free, if the proceeds are
credited to an A/c with
UBL. In other cases, flat
charges @ Rs.500/-
54207850
-
iii) Commission against issuance of
FDD/FTT against Export
c) i) FDD / FTT cancellation charges
d) i) Issuance of duplicate FDD
ii) Issuance of duplicate FDD under Export
2) Inward
a) Home Remittance
b) Others
63
-
54207750 4010
54207700 4013
INTERNATIONAL BANKING
Particulars
Charges
Code
GL
SC
Favoring UBL Customers
@ 0.15%, of remittance
proceeds Min Rs. 500/& Max Rs. 2,000/Beneficiaries with other
local banks flat charges
@ Rs. 2,000/-
54207850
-
d) Inward cheques expressed in Foreign Currency 0.15%, Min. Rs.400/drawn on Foreign Currency A/c received
from local / upcountry bank's branches for
payment in Pak Rupees after conversion at
authorised dealers buying TT clean rates
e) Direct Collection
i) Collection for Foreign Currency A/c or
0.6%, Min USD 7, Max
Rupee A/c
USD 15 or Equivalent
Rupees per collection (in
addition to foreign
Bank charges) plus
postage charges of Rs.
1,400/-
54207850
-
c) Commission charges on payment of
Inward Foreign Remittance/Swift Transfer
received in Foreign Currency (Charges
code SHA/BEN/OUR) and cover through
our various Nostros.These charges are to
be recovered only when TT buying rate is
applied.
ii) Cheque/Draft/FTCs Returned unpaid
Rs. 500/- (flat) inaddition
to foreign bank charges
54207600
54207550
54203710
Note:
Whenever SWIFT message is sent, SWIFT/Communication charges will be recovered from
customer.
In addition to above, commission/service charges, courier/postage / fax charges will also be
recovered according to prescribed tariff (wherever applicable)
Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.
In addition to the charges above, all applicable Government levies will also be recovered
D. MISCELLANEOUS
54208000
-
54203700
-
54203700
-
54203700
4) Inward Foreign Currency cheque, received
Commission @ 0.10%,
from local branches, upcountry branches or
Min. Rs.200/local banks for payment in Pak Rupees
(convert the relevant Foreign Currency at the
TT Buying rate)
5) Issuance of proceeds certificate beyond one year Rs.500/- (flat) per certificate 54206850
-
6) Credit check at customer's request
7) Service charges for verification of test /
signature and mail L/Cs
Rs.300/Rs.500/- per instance
54206850
-
54206850
-
8) Standing instructions charge in Foreign
Currency A/c
USD 5/- or equivalent per
transaction
54206850
-
10) Issuance of business performance
11) Sales Tax / FED Invoice certificate (Export)
Rs.2,000/- per certificate
Rs.1,000/- per certificate
54206850
-
1) Correspondent Banking charges
2) Foreign bills sent for collection returned unpaid
3) Inward collection/Local Clearing received
relating to Foreign Currency A/c from abroad
or local banks / branches and where the
payment is demanded in Foreign Currency
At Actual
Rs.500/- (flat)
USD 5 per USD 1,000 or
part there of and Max.
USD 15
-
*Note:
i) UBL Branches, UBL Ameen branches, joint ventures and subsidiaries exempted.
ii) In addition to above, service charges, recovery of courier/postage/telex/fax/cable charges will also
be made according to tariff (wherever applicable)
iii) Charges negotiable on case to case basis under approval of relevant Regional Head
iv) In addition to the charges above, all applicable Govt levies will also be recovered
64
COMMUNICATION CHARGES
COMMUNICATION CHARGES
65
COMMUNICATION CHARGES
Particulars
Charges
Communication Charges - General
1) a) Telephone
b) Fax
2) a) Postage Ordinary -(Inland)
b) Postage Registered
i) For Inland LC
ii) For foreign Import LC
c) Others
i) Inland
ii) Foreign
3) Courier
a) Courier (Within City & Intercity)
b) Courier-Foreign
c) Courier LC
d) Courier Charges for Account
Opening Welcome Pack/Cheque
Book/ Debit Card (VISA & Master)
Rs. 100/- per call
Rs. 100/- per message
Min Rs. 50/-
Code
GL
SC
57800100 1021
57800100 1022
57800200 1023-24
57800200 1023-24
Actual, Min Rs. 200/Actual, Min Rs. 1200/Rs. 75/- flat
Rs. 200/- flat
57800200 1023-24
Actual, Min Rs. 100/Actual, Min Rs. 1,300/Rs. 250/Free
57800400 1021
4) Swift
a) Full Text LC / Guarantee & Long
Messages
b) Short Text/LC amendment & other
messages
Rs.2,000/-flat
Rs.1,000/-flat
IMPORTANT NOTES:
• All Government levies including Sales Tax / 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.)
• 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.
• Charges for cash collect will be subject to contractual agreement with the customer.
• For Inter Branch Online transaction OBC charges would not apply.
• Concession to UBL Staff is allowed as per policy and relevant circulars.
• Whenever swift message is sent, SWIFT/communication charges will be recovered from customer
66