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UBL FCY UniFlex Account
UBL has introduced a checking account ideal for rate conscious individuals, traders, organizations, monthly savers and customers who want transactional flexibility.

UBL FCY UniFlex Account

UBL has introduced a checking account ideal for rate conscious individuals, traders, organizations, monthly savers and customers who want transactional flexibility. You can now afford an amazing rate of return, plus value added benefits only available from the UBL FCY UniFlex, the Best Foreign Currency Savings Account.

UBL FCY UniFlex is especially designed in a way that it will offer higher returns on higher balances.

  • Amazing tier-based profit rates
  • Ease of cross-currency conversions
  • Monthly profit payment on average balance.
  • Available in US Dollar, Pound Sterling, Euro and UAE Dirham.
  • Free services including e-statements and over the counter cash deposits.
  • Online funds transfer (Ac-Ac) & payment through Cheque.

FCY UniFlex Rates & Tenors

Five rate tiers are offered to FCY UniFlex customers:

Effective from November 01, 2023
Deposit Tiers - UBL FCY UniFlex USD GBP EURO AED
For monthly average balances upto 5,000 1.50% 1.00% 0.50% 0.50%
For monthly average balances above 5,000 up to 10,000 1.75% 1.25% 0.60% 0.60%
For monthly average balances above 10,000 up to 25,000 2.25% 1.50% 0.75% 0.75%
For monthly average balances above 25,000 up to 100,000 2.50% 1.75% 0.80% 0.80%
For monthly average balances above 100,000 2.75% 2.00% 1.00% 1.00%

* Projected Rates will be announced monthly through UBL Deposits Projected Rate sheet

Terms & Conditions

  • Single and Joint Accounts, Partnerships, Joint Stock company Accounts (public/ private), Sole Proprietorships, Foreign Missions/ Diplomats and Charitable Trusts/ Foundations etc which are exempted from income tax are eligible.
  • This facility is not available to airlines and shipping companies operating in/ through Pakistan or collecting passage and freight in Pakistan and the investment banks, leasing companies and Modarba companies including those which have been granted license to deal in foreign exchange.
  • The Bank shall determine from time to time the rate of interest/return/profit payable on the account/deposit in accordance with the prevailing profit and loss sharing rules and regulations of the State Bank of Pakistan; as well as the policies of the Bank which are subject to change from time to time. The account holder/depositor must agree to accept such rate of interests/return/profit at the time the change is made.
  • Profit will be accrued on monthly average balance touched during the month and will be disbursed into customer’s account on monthly basis, at a profit rate as per monthly projected rate sheet.
  • The UBL FCY UniFlex account cannot be overdrawn.
  • Accounts that are closed in the middle of a month will not be eligible for any interest/return/profit for the broken period of that month.
  • Regular checkbooks will be provided as per Schedule of Bank Charges (SOC).
  • Customers can conduct a maximum of three free of cost withdrawal transactions in one calendar month. For any withdrawal above the threshold of three customer driven debit transaction in one calendar month fee charges for the respective USD, GBP, EURO, AED account will be USD 5/-, GBP 3/-, EURO 4/-, AED 20/-.
  • In case monthly average balance is not maintained i.e. USD 500/-, GBP 300/-, EURO 400/-, AED 2,000/- then service charge will be levied as follows USD 5/-, GBP 3/-, EURO 4/-, AED 20/- respectively.
  • All applicable taxes including WHT, FED and other taxes levied from time to time shall be applicable.
  • All transactions, including the above will be charged as per the Schedule of Bank Charges (SOC).
  • The product will be governed in line with the requirements of FE Manual/ SBP instructions.