How do I check the TDRs I’ve booked?

You can check your booked Term Deposits by logging into your UBL Digital App, click on Accounts and select Term Deposit. All the booked Term Deposits will appear under this section. To check the details of individual Term Deposit, click on summary.

What is the minimum and maximum booking amount?

The minimum investment amount is: Term Deposit Product Type Minimum Investment Amount UBL Mahana Aamdani Term Deposit Rs. 25,000 (progressing in multiples of Rs.25,000) UBL Certificate of Deposit (COD Maturity) Rs. 50,000 (progressing in multiples of Rs.25,000) There is no limit to the maximum amount of investment that can be made in a Term Deposit.

What rates are offered on these Term Deposit?

The rates offered are as per the Bank’s prevailing rate sheet for Certificate of Deposit (CoD-at Maturity), or Mahana Aamdani Term Deposit. You can also view the rates on each tenor whenever you place a deal in the UBL Digital app.

What tenors can the deals be booked at?

The deals can be booked for the below tenors for all products: • 3 months • 6 months • 1 year • 3 years • 5 years • 10 years

How frequently is the profit paid out on the Term Deposit?

The profit on each product is paid: Term Deposit Product Type Profit Payment Frequency UBL Mahana Aamdani Term Deposit Monthly UBL Certificate of Deposit (COD Maturity) At Maturity

Can UBL Mahana Aamdani Term Deposit be opened with a Savings Account?

You need to have a UBL current account to invest in UBL Mahana Aamdani Term Deposit. If you would like to invest in this product, please open an account online by visiting our website https://ubldigital.com/Open-a-Bank-Account-Online, or go to a nearest UBL branch.

What is rollover facility?

A rollover refers to automatic renewal of the Term Deposit, i.e. the amount invested will be automatically reinvested after the Term Deposit matures, for the same tenor at the prevalent profit rate. The rates prevalent can be viewed at https://ubldigital.com/About-UBL/Rates

How can I stop rollover of my term deposit?

You can stop automatic investment rollover by visiting your account branch.

Can the rate on these TDRs change mid- tenor?

No, the rates in CoD and Mahana Aamdani Term Deposit will remain same throughout their tenor.

Will there be any zakat deduction on these Term Deposit?

Yes, Zakat will be deducted as per the Zakat and Ushr Ordinance, 1980.

Are withholding tax charges applicable on profits disbursed?

Yes, and the rate applicable will be dependent on your ATL File/Non-Filer status. However, these taxes will be deducted in a separate transaction following immediately after the profit disbursal.

Are there any charges on Early Encashment?

Upon Early encashment, profit will be paid on minimum saving rates set by SBP applicable at the time of booking.

How do I encash my term deposits?

You can encash your previously booked deals by visiting your parent account branch and requesting to do so.

Bluetooth-ready MPOS, Pair and Accept Payments On Your Phone.

UBL MPOS is a mobile payment solution developed through a collaboration between United Bank Limited (UBL) and Tapsys Services Pvt. Ltd. It provides businesses with a portable, secure, and cost-effective way to accept debit and credit card payments using a smartphone or tablet. This solution is ideal for merchants, retailers, and service providers who need flexibility in payment acceptance.

Key Features

Wireless Payment

Connects via Bluetooth to a smartphone or tablet, enabling merchants to accept card payments anywhere.

Secure Transactions

Uses encryption and complies with PCI DSS (Payment Card Industry Data Security Standard) to ensure safe and secure transactions.

Digital Receipts

Customers receive e-receipts via SMS or email, reducing the need for paper.

Card Acceptance

Supports both debit and credit card payments, including Visa and Mastercard.

Real-Time Reporting

Merchants can track sales and transactions through a web portal or mobile app.

Affordable & Easy to Use

Minimal setup required, offering a low-cost solution compared to traditional POS systems.

Benefits

Increased Sales, Mobility & Convenience

Enhance Customer Experience

Secure &
Reliable

Easy
Integration

Ready to transform your business?

Download the UBL MPOS App today and start accepting payments with confidence.

STEP 1

Download UBL Pay App

Available on the Google Play Store.

STEP 2

Sign Up on the App

Enter your name and phone number to register.

STEP 3

Register Your Business

After signing up, log in to access the dashboard.

Click on “MPOS” and provide your personal and business details.
Upload the necessary documents.
Once approved, click on “MPOS” again to find a link for downloading UBL Pay.

STEP 4

Start Accepting Payments

Tap a contactless Visa or Mastercard on your device to process payments instantly.

STEP 5

Receive Funds

Payments are credited directly to your UBL or other bank account the next day, with seamless reconciliation.

For more information, Contact us at:

Email

pos.acquiring@ubl.com.pk

Phone

021-111-827-797

Scan and download Pay app

Who Can Benefit?

Retail Stores

Simplify checkouts and reduce queues with mobile payments.

Restaurants & Cafes

Offer a seamless “pay-at-the-table” experience.

Delivery Services

Accept payments on delivery without carrying bulky hardware.

Pop-up Shops & Market Stalls

Take your business on the go and accept payments anywhere.

Bluetooth-ready MPOS, Pair and Accept Payments On Your Phone.