Digital Account Opening for NRPs
Non-Resident Pakistani? Open your account from anywhere in the world at UBL.
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Digital Account Opening

Repatriable funds

PKR/FCY Account

UBL Digital Account Opening for NRPs empowers customers to open accounts anytime, anywhere without visiting a branch in Pakistan.
Account Opening Process

Click on 'Apply for NRP Account' and follow the simple steps to open a USD or PKR account


Once you have completed the form and submitted the documents our representative will get in touch with you within 48 hours.


To manage your account , you will receive an email with a link to access UBL Net banking. Use the link to create a username and password to access and manage your account digitally.


You can view your account details including balance options by logging in to Netbanking.

Click here to view Terms & Conditions
Eligibility Criteria

Individual Non-resident* Pakistani Nationals (NRPs) having CNIC/ SNIC/ NICOP;

Foreign Nationals having Pakistan Origin Card (POC);

Members of Overseas Pakistanis Foundation (OPF);

Employees or officials of the Federal Government or a Provincial Government posted abroad.

Required Documents

Original scanned CNIC/ NICOP/ POC

Original scanned OPF membership card (if applicable)

Original scanned Pakistani Passport (first 2 pages) (for NRPs, OPF members, and Government Employees posted abroad)

Original scanned other country Passport (first 2 pages) (for POC holders, if available)

Proof of NRP status (POC, visa, entry/ exit stamps, etc.)

Proof of Profession and Source of Income/ Funds (job certificate, tax return, rent agreement, salary slips, etc.)

Live /digital photo through Webcam

Signature on white paper/ scanned image of signature

* JPG, JPEG and/or PNG files can be uploaded with a recommended file size of 2 MB for each uploaded document


For repatriation of your funds, please send us a request through your registered email address on

Complaint Handling

Write to us at

Call our 24/7 UBL Contact Center at: 111-825-888 (UAN)

Click here to lodge an online complaint

You can also Chat with us

For the purpose of these Terms and Conditions, the word "Bank" shall refer to United Bank Limited, Its successors-in-interest and assigns.

  • Any person(s) opening or operating an account with the Bank will be deemed to have read, understood and accepted the Terms of Account and the applicable Schedule of Bank Charges issued and amended from time to time by the Bank.
  • Interpretation of Terms and Conditions mentioned in the account opening form by the Bank will be considered final and binding. However in case of any dispute, the matter should be referred to SBP and the decision of SBP will be final and binding in that case.
  • Not more than one account of each category/ currency i.e. Foreign Currency (Current & Saving account - CASA) Rupee (CASA), PLS Unisaver, Unisaver Plus & Uniflex PLS Saving account may be opened in any one name, in one and the same branch except joint account with any other individual(s) and account in the name of m nor children in the capacity of guardian.
  • Proper identification in the form of Computerized National Ident ty Card/SNIC/Passport/Alien Registration Card/NICOP/POC will be required before the Bank opens any account in its sole discretion, which will be independently verified by the Bank. Any non-verification or if something is found wrong/mismatched, Bank has the right to stop the transaction till clearance of ambiguity or close the account. Each account shall possess a distinctive number, which shall be quoted in all correspondence with the Bank in relation to the account.
  • Opening of accounts / relationships on the basis of expired CNICs will not be allowed except in cases where NADRA allows exemption from renewal of expired CNICs or as per SBP directives.
  • Any change in the address, or contact / mobile number or constitution of the account holder/depositor should be immediately communicated in writing to the Bank. The post office and other agents for delivery shall be considered agents of the account holder(s)/depos tor(s) for delivery of letters, remittances etc., and no responsibility shall be accepted by the Bank for delay, non-delivery, etc., including any shortage of cheque leaves of cheque book send by post at the request of the account holder.
  • The account holder(s)/customer(s) understands that the Bank may outsource certain of its functions/tasks including but not limited to dispatch of statement of accounts and other tasks as mentioned at clause 6 above, to any agent(s), contractor(s) or third party service provider(s) as the Bank may deem appropriate. The account holder(s)/customer(s) hereby authorizes the Bank to share data/information relating to his/her/its account(s) with such agent(s), contractor(s) or third party service provider(s) as may be required to give effect to the aforesaid outsourcing arrangement. While the Bank wiII put in place all necessary safeguards to protect the integrity and confidentiality of the customer(s)/account holder(s) data/ information, the account holder(s)/customer(s) agrees to indemnify the Bank against any losses or damages that may be incurred beyond reasonable care of the Bank to ensure integrity and confidentiality of the account holder(s)/customer(s) data/ information.
  • To safeguard Bank's interest, the Bank may at its discretion and for any other purpose as per the law of the land in force, debit collection or share any information, details or the data relating to the customer's transactions with any competent authority or agency.
  • The Bank in pursuit to comply with laws & regulations may intercept & investigate any payment messages and other information or communications sent to or by the account holder or on the account holder's behalf via other Bank. This process may involve making future enquiries.
  • The Bank shall attempt to collect cheques and other instruments promptly. However, in pursuant of the above, liability for any loss, whether direct or consequential, shall not be borne by the Bank (includes without limitation, loss of profit, interest or damage suffered by any party, due to delay / circumstances beyond control of the branch/Bank).
  • The method of calculating return/profit under the profit/loss sharing scheme is governed by the Bank Rules under prevailing regulations/directives of the State Bank of Pakistan and is subject to change without prior notice.
  • Return/profit on accounts closed before June 30 and December 31 will be paid for the relevant period, after the rates are final zed. All return/profit shall be of a provisional nature until finalized by the Bank.
  • No profit or interest is paid on current accounts whether in respect of Local or Foreign currency.
  • No overdraft facility is allowed unless the overdraft limit is approved to customer as per Bank policy.
  • Any sum to be depos ted in the account should be accompanied by duly filled deposit slip showing the name and number of the account to be credited & depositor’s signature. Such deposits must be entered at cash counter only.
  • The Bank may accept for collection cheques and other instruments payable to the account holder/depositor himself at his sole risk. All cheques and other instruments should be crossed before they are deposited for crediting in the account.
  • Un-cleared instruments and conditional credits in the account shall not be drawn against even if such instruments are credited. The Bank shall have at all times the right to debit the account holder/depositor account, if these are not realized, without prior notice to account holder /depositor.
  • In the event of any instrument deposited, being returned for any reason whatsoever or being returned at anytime, although previously advised as paid, the account holder will refund the proceeds of the said instrument and indemnify the Bank against all losses and cost arising there from and authorize the Bank to debit such amount and expenses to any account which the account holder may have with the Bank.
  • The Bank will take due care to see that the credit and debit entries are correctly recorded in the account of the account holder/depositor but in case of any error, the Bank shall be within its right at all time to make the correct adjusting entries, recover any amount due from the account holder/depositor without prior notice and inform the customer subsequently. The Bank shall not be liable for any damages losses etc., and consequent upon such error/adjustments.
  • In case a deposit matures on a public or Bank hot day, then the Bank shall pay the deposit and/or the interest/ return/profit on the next working day when the Bank is open for Banking business.
  • In case of loss or theft of Cheque Book, customer must inform the concerned branch before payment is released. The Bank will not be liable for any loss or damage, if reported after the payment of Cheque Book or any other instrument.
  • Cheques may only be drawn on printed cheques supplied by the Bank. The Bank reserves at all times the right to refuse payment of cheques drawn otherwise.
  • Cheques should be signed by the Account holder/depositor as per specimen signature supplied to the Bank and any alteration(s) thereon must be authenticated by drawer's full signature.
  • While complying any instructions of the account holder/depositor, the Bank shall only rely on the signature as provided / inscribed by the account holder/depositor on the Specimen Signature Card at the time of opening of the Bank account.
  • Post-dated, stale and defective cheques shall not be paid by the Bank.
  • In case of the Bank receiving official notice or as and when become aware of it from any other reliable source, regarding demise of, or bankruptcy of the account holder/depositor, the Bank will stop operations immediately in the account and will not be obliged to allow any operation or withdrawal except on production of a Succession Cert f cate or other Court orders, from a Court of competent jurisdiction.
  • In case of operating instruction either or survivor, in the event of the death of either of account holder(s)/depositor(s), the credit balance in the account will be payable to the surviving account holder(s)/depositor(s).
  • Current/ Saving account that remains inoperative for one year will be classified as dormant/ inactive. Credit transactions will be allowed in such accounts. The bank will disallow debit transaction (s) in the customer account while the account remains dormant / inactive. However, debits under the recovery of loans and markup etc. any permissible Bank charges, Government duties or levies and instruction issued under any Law or from the Court will not be subject to debit or Withdrawal restrictions.
  • Any change of address / contact / mobile numbers / signatures can be requested during the period of dormancy of account but will not change the status of dormant/inactive/blocked account, the account holder must be present in the branch at the time of g v ng request in writing to their concerned branch for change of status and shall hold original CNIC/SNIC or Passport of Pakistani Or gin card or National Identity Card for Overseas Pakistani (NICOP) and submit a photocopy of the same to their concerned branch for the record keeping. After verification the account will be activated and customer has to do a debit transaction.
  • If a deposit/ instrument remains inoperative for a period of ten years then it will become unclaimed deposit and will be surrendered to SBP as per the provisions of Bank ng Companies Ordinance.
  • Periodic statement of account shall be issued by the Bank to the concerned account holder/depos tor as per frequency stipulated by customer/SBP. Any discrepancy in the statement of account should be promptly brought to the notice of the Bank in writing within forty five (45) days from the date of issue, failing which the statement of account shall be deemed to be final and conclusive, for all purposes whatsoever. In the case of any error, the Bank reserves its rights, at all time to make adjusting entries to rectify the error without notice, and recover any amount wrongly paid or credited to any person together with any accrued interest /profit. However, the Bank shall not be liable for any loss or damage due to such error(s) or any consequential loss arising there from to any party.
  • No account hoIder/ depositor may annotate or delete any entries in the statement of account. Any discrepancy found should at once be brought into the notice of the Bank as per clause no. 31.
  • Apart from free mandatory provision of statement of account (SOA), SOA may be provided by the Bank, subject to charge as is applicable under its Schedule of Bank Charges, upon receipt of written request by the customer / account holder only.
  • Account may be transferred from one branch to another branch, free of charge without affecting the profit accruing positions of the amount as the concerning accumulated products of credit balances in such accounts for unaccounted period would also be transferred to the receiving branch along with the credit balance on the date of transfer. The Bank may at any time, change the location of any of its branch and inform the account holders accordingly.
  • Minimum balance service charges will be applicable on Rupee Current Account and Foreign currency (CASA) accounts. However, the following accounts will be exempted from levy of service charges: i) Students, ii) Mustahiqueen of Zakat, iii) Employee of Govt./ Semi-Govt. Institutions for salary and pension purpose, including widows/children of deceased employees eligible for family pension/benevolent fund grant Pensioners, Senior Citizens, Physically handicapped etc.,iv) UBL Basic Banking Account (UBL BBA) holders), v) Account related with Zakat Collection & Disbursement, vi)Unclaimed deposits after maturity of ten years, vii)Earthquake affected areas (BPRD Circular Letter No. 28 of October 10, 2008, viii)All UBL Staff Accounts wherein salary is Credited, ix) All singly operated accounts of retired staff of the bank wherein pension, benevolent grant, medical bills reimbursed), x) Dormant/Inactive Blocked Accounts due to dormancy, xi)UBL First Minor PLS Saving Accounts, xii)School Management Committee Accounts-only for Sindh (BPRD Circular No. 02 of Jan 25, 2010), xiii)E Transaction accounts for OMNI Agents, xiv)UBL Wiz Card, xv)All Regular PLS Savings Account.
  • The Bank in its sole discretion may close those accounts which show nil balance at the time of half yearly closings. Besides this, the Bank reserves the rights to close without prior notice, any account which in its opinion is not satisfactorily operated, or for any other reason whatsoever, it shall not be incumbent on the Bank to disclose to the account holder/depositor the reason for doing so.
  • The Account holder/depositor wishing to close the account must surrender unused cheques, if any.
  • The Bank shall have discharged its liability with respect to an account so closed by mailing to the account holder/depositor at his/her last known address as per the Banks record, a Bank draft in the currency of such account, payable to the order of the account holder/depositor n the amount of then credit balance of such account less deduction(s) in respect of the amount of any claim that the Bank may have on such funds constituting the credit balance.
  • The Bank shall determine from time to time the rate of interest/return/profit payable on the account/deposit in accordance with the prevailing rules and regulations of the State Bank of Pakistan and the policies of the Bank which are subject to change from time to time and the account holder/depositor agrees to accept such rate of interests/return/profit.
  • Zakat, wherever applicable, shall be deducted on valuation date from applicable accounts having balance in excess of the exempted limit as declared for that particular Zakat year.
  • Declaration on prescribed Performa for exemption of deduction of Zakat will be registered with the Bank at least one month prior to the valuation date or as per the Zakat Rules applicable from time to time, if not provided at the time of account opening. Zakat will be deducted as per Zakat and Usher Ordinance 1980.
  • It is the responsibility of the account holder to inform their branch prior to going abroad for any purpose viz., employment, study, business tour, or pleasure trip etc. The account holder should also inform their branch upon return. On receipt of such information the Account shall be classified as a non-resident account and all deposits and withdrawals will be subject to applicable laws, rules and regulations as amended from time to time with regard to non-resident accounts. “Non-resident” accounts shall be treated as “Resident” on account holder's permanent return or his temporary visit to Pakistan.
  • All applicable Government taxes and levies shall be recovered as per laws and related directives / circulars etc. in force.
  • The account holder/depositor shall not have any recourse against the Head Office or any branch of the Bank outside Pakistan in respect of the payment of any deposits, account balances or interest/profit thereon maintained or/and accruing with the Bank in Pakistan. Any such rights of recourse are expressly waived.
  • The Bank would be within its right to make investment of credit balance deposits in any manner on its sole discretion and to make use of funds to the best of its judgment in the banking business.
  • The account holders/depositors undertake to reimburse the Bank with any claim in respect of losses/charges on the basis of half yearly/yearly closing of the Bank's books of account. The Bank would be within its rights to debit their accounts for the amount(s) of such claims/charges in settlement of business accounts of the Bank.
  • The Bank may from time to time and at any time revise, amend, delete or supplement any of these terms and conditions, whether in whole or part including without limitations the charges leviable in respect to its services. Such charges shall be effective from the date specified by the Bank for such modification. These amendments/ alterations shall be notified to the account holder/depositor and/or displayed at the Bank's premises from time to time and shall be binding on the account holder/depositor. The Bank reserves the right at any time and without notice to impose charges for the use of its services at any point in time.
  • The Bank reserves the right without prior notice to the account holder/depositor, to debit the account for any expenses, fees, commission, mark up/interest, Zakat, withholding tax, stamp duty, tax, duty or any other cost, charges or expenses arising out of any transact on or operation of the account or term deposit with the Bank as may be payable to the Bank and/or Local or Provincial or Federal Government as levied from time to time.
  • In case of a default pertaining to any banking facility provided to the account holder(s)/customer(s), the account holder(s)/customer(s) agrees and acknowledges that the Bank shall have a right to block all debit transactions on such account of the account holder(s)/customer(s), irrespective of the nature of the account (either single or joint or to be operated by either or survivor).
  • Moreover, the Bank shall also have a right to debit any account of the account holder(s)/customer(s) maintained with the Bank to adjust any and all of the outstanding liabilities of the account holder(s)/customer(s).
  • The Bank is subject to all applicable circulars, orders, directives, rules, regulations, laws, decrees and restrictions issued by competent Government and other regulatory authorities in Pakistan and the liability of the Bank for payment is governed by applicable laws and regulation in force in Pakistan at the relevant time. Repayment of any deposit account, balances, or interest/profit thereon s subject to any acts of the Government of Pakistan or the State Bank of Pakistan or any competent Governmental and other regulatory authority in Pakistan.
  • All account holders/depositors will be charged Fee/commission etc. as per prevalent Schedule of Bank Charges which is amendable as per Bank's procedure.
  • The Bank for the benefit of its Debit Cardholders, will provide free of charge POS transaction alerts; however it is the account holders responsibility to provide / register their valid mobile number at the time of account opening. In case of any change in the mobile number, it will be the account holders responsibility to update the mobile number with the Bank. In case of any fraudulent or unauthorized act v ty on the account holders Debit card, where the free POS transaction alerts were not received by the customer due to a change in mobile number which was not updated / communicated to the Bank, the Bank will not be held responsible or liable to provide any claim against such transactions.
  • Photo Account customer will not be liable for cuttings and alteration on cheques, unless duly authenticated by the customer.
  • Customer information form is an integral part of the Account Opening Form.
  • Opening of Photo accounts is subject to provision of proper identification duly supported by two attested passport size photographs besides taking customer's thumb impression on the SS card. Photo account cannot be operated unless the customer comes to the Bank and puts his/her thumb impression on the cheque in the presence of the Bank officer.
  • I/We acknowledge and declare under the penalties of perjury that the information provided above is correct and true and complete to the best of my/our knowledge and belief. I/We agree to provide under the penalties of perjury support ng evidence and provide updates within 30 days in case any of the aforementioned information changes.
  • I/We the undersigned expressly and unconditionally allow United Bank Limited("Bank") to give the necessary information as deemed fit to any regulatory authority allowed access to such information under Pakistan statutes, rules, regulations or any other applicable law and/or (if applicable due to my/our nationality/citizenship, residential status/contact details or any other information that is related to US), to the US Treasury Internal Revenue Services of the United States of America (or its representatives or agents), and do hereby consent, agree and confirm that the Bank shall have the right to disclose my/our personal information with respect to any of my/our accounts with the Bank directly or indirectly to the U.S Treasury Internal Revenue Services of the United States of America (or its representatives or agents) when requested and as deemed necessary by the Bank, of whatsoever nature.
  • Further, I/We authorize the Bank to disclose and share information / data about my account / facilities to /with any other credit bureau, agent, bank, financial institution or company as the Bank considers appropriate from time to time. I declare and confirm that all information stated herein and in other documents provided to the Bank by me is true and accurate in all respects.
  • The Customer acknowledges and accepts that the Bank reserves the right to close or suspend operation of, without prior notice, any account for which required document/information is not submitted within stipulated time or in circumstances where the Bank is not able to verify and/or confirm the documentation and/or information submitted by the Customer.
  • Any existing customer, who desires to convert his /her account from existing type of account to another type, can do so by giving a written request to the branch. Conversion will only be done for the same category of account i.e. from Savings to Savings and from Current to Current.
  • Conversion from Saving to Current and vice versa is not allowed. For this, customers will have to open a new account.
  • Important Information for Self Certification applicable to tax requirement.

  • The account holder acknowledges that the information given to the Bank in connection with this application and any related reportable account(s) may be provided, directly or indirectly, to any relevant tax authority, including the tax authority of the country in which this account(s) is / are maintained and/or country where the Account Holder may be a tax resident pursuant to intergovernmental agreements.
  • I/We certify that I/We am/are the Account Holder (or am authorized to sign for the Account Holder) of all the account(s) to which this form relates.
  • The account holder will notify the Bank and submit a suitably updated form within 30 days of any change in circumstances which affects the account holder tax residence status or where any information contained herein becomes incorrect.
  • In the event of any inconsistency conflict or ambiguity between the original English Terms and Conditions and its Urdu Translation, the provisions of English version shall prevail.
  • Apart from the above, the Overseas Pakistani Savings Bills Accounts – USD or Rupee (OPSBA) opened and operated by overseas Pakistani’s shall be subject to the following terms & conditions in addition to the existing standard terms & conditions of the Bank;

  • The OPSBA may be established in U.S. Dollars and PKR, as the Bank shall determine/allow and in accordance with the local regulations in force from time to time.
  • The funds available in the OPSBA shall be fully repatriable and convertible in to the currency of origin.
  • OPSBA shall permit inward remittance of funds from the account holder or an authorized foreign currency dealer.
  • OPSBA shall not permit any credit or deposit from within Pakistan except the profit and principal payable on the investment made through the account in applicable savings instruments.
  • OPSBA opened by overseas customers availing the Bank’s simplified framework for remote account opening through the Bank’s website or digital application may be utilized for the following purposes only;
    a. Investment in Bills, receiving profit and principal repayment; and
    b. Repatriation of profit earned and principal to the country of origin of the investment funds.
  • Basic OPSBA features may include: online banking (bill payments in Pakistan, Inter/Intra bank Fund Transfers in Pakistan) and ATM/Debit Card purchases/Cash Withdrawal in Pakistan up to PAK Rupee equivalent of USD 5000 per month. The daily purchase/withdrawal limit assigned may be enhanced, at the discretion of the Bank, following enhanced due diligence and any other information the Bank may in its sole opinion require to satisfy all applicable AML/CFT regulations.
  • By agreeing to these terms & conditions you provide your consent to the Bank storing and maintaining your personal data for a period of up to ten (10) years following closure of the account and end of your relationship with the Bank. You further consent to the Bank utilizing your personal information to provide you with products and services of the Bank that the Bank may think you like or match your profile, as well as those of our partner companies.
  • The customer hereby indemnifies and holds harmless the Bank against any fine and/or penalty attracted or imposed resulting from inward remittances received in the OPSBA and shall ensure that all remittances received in the OPSBA are from verified sources and that the Bank shall not be under any responsibility to conduct an independent AML/CFT check of each remittance received in the subjected accounts.