Who can open this account?

Resident Pakistani’s with active CNIC can request to open UBL Asaan Digital Remittance Account by visiting www.ubldigital.com/open-bank-account-online

Do I have to visit branch to open Digital Account?

No, UBL Asaan Digital Remittance Account can be conveniently opened online. If all the information you provide on the digital AOF is validated, your account will be activated and you will be informed about it via email on your registered email address. However, if your information needs further clarification, you may be contacted by your Branch / Contact Center.

What type of account can I apply for using this service?

You can apply for a Conventional or Islamic Current account using this service.

Who can apply for UBL Asaan Digital Remittance Account?

All Pakistani individuals, aged 18+, with a valid CNIC, can open this account only if they receive remittance from their friends and family living abroad.

My mobile number is not registered against my CNIC, can I apply for Digital Account?

Unfortunately, no, we have to authenticate your mobile number with your CNIC and in case the two don’t match we have to stop the account opening process as this is a requirement from State bank of Pakistan.

Do I need proof of income document for Asaan Digital Remittance Account (ADRA)?

No, you have to accept self-declaration while submitting the account opening form online.

What will be the maximum credit balance limit for ADRA?

Maximum credit balance limit of PKR 3,000,000 is allowed for ADRA.

What will be cash withdrawal limit per day for ADRA?

Cash withdrawal limit of PKR 500,000 per day

Can I transfer funds from ADRA to any other accounts and what will be the limits?

Fund transfer limit of PKR 500,000 per day from ADRA to any other account

Can I do local credit to my ADRA and what will be the limits?

This account may be fed through local credit to the extent of PKR 1,000,000 per month. A local credit is a funds transfer between local banks.

Can I deposit commercial remittances in my ADRA?

No commercial remittances shall be deposited in the account

Remittance Services

UBL offers home remittance beneficiaries the ease and convenience to receive their home remittance payment through multiple remittance services provided without any additional charges . These Services includes Cash over Counter, Direct UBL Account Transfer and Home Remittance Transfer to any Bank Account in Pakistan.

Cash Over the Counter

Receive your home remittance from any UBL branch

Receiver's account in UBL is not required.
Instant cash over counter payment of up to PKR 1,000,000 can be received from any UBL branch.
SMS alert for beneficiary.

*Remittance Reference Number and original CNIC to be provided by the receiver/ beneficiary and valid number required for SMS alert.

UBL Account Transfer

Send money directly in your UBL account.

Same day credit to UBL Account holders.
Fast, prompt and hassle free funds transfer.
Free of charge.
Free of Cost SMS alert for beneficiaries.

*UBL Branch code & Complete (8,9,or 12 Digit) account number / or 24 Digit IBAN is Required.

Transfer to other Bank
Accounts

Send money directly in an account held at any other bank in Pakistan.

IBFT: Instant credit to any active Bank Account in Pakistan.
PRISM / RTGS: Same day credit to any active Bank Account in Pakistan.
Fast, prompt and hassle free funds transfer.
Free of charge.

*Bank Branch code & complete account number / preferably 24 digit IBAN Number required.

Facilitation of Home Remittance Via Omni Dukaan

Customers can now receive their home remittance payments with ease and convenience from any nearest UBL Omni Dukaan. UBL Omni have presence in around 900+ cities of Pakistan with 35,000 Omni Dukaans, where the current number of active agents facilitating home remittance are more than 1800.

Remittance receiving facility after banking hours and even on weekends and holidays from nearest Omni Dukaan.
Instant account opening with NADRA biometric verification.
Free mobile top-up (Rs. 2 on every 1 USD remittance received in HRA Account).
Debit card with 400 + discount alliances.
Sohni Dharti loyalty points.
24/7 dedicated call center.

List of enabled Omni Dukaan that are mapped with nearest UBL branches can be accessed at click here

Campaign for
Home Remittance Customers.

Home Remittance Campaign for Account credit transactions

Beneficiary shall be selected through a raffle draw for the prize of Gold Coins.
Top beneficiaries of selected cities (click here), within the campaign duration, will be eligible to win the motorbike.
Beneficiary/ transaction details shall be fetched from bank’s DB for selection of winners.
Home Remittance team reserves the right to exclude any transaction on the basis of suspicious or its inappropriate nature.
Winners announcement will be done after the campaign closure.
UBL Staff is not eligible to participate.

Campaign Duration 1st March 2025 to 30th June 2025.

Cash Back Campaign for COC customers

Instant Cash reward for COC payments routed via all home remittance clients qualify for the incentive.
Transactions of PKR 100,000 and above received from any UBL branch counter entitled for the reward of PKR 1,000.

Campaign Duration22nd May 2025 to 6th June 2025.

Contact us

In case of any query concerning home remittances,
please contact our customer support team.

Toll Free

0800-82598 (within Pakistan)
111-825-666 (International callers)

Email

support.coc@ubl.com.pk