Islamic banking schedule of charges

1.	Payments/Account Services	Charges
1.1	Cheque Returned Unpaid (Inward)	£15.00
1.2	Cheque Returned Unpaid (Outward)	£25.00
1.3	Cheque Collected in Special Clearing	£25.00
1.4	Setting up standing order	Free
1.5	Unpaid Standing Order	£20.00
1.6	Unpaid Direct Debit	£20.00
1.7	Stop Payment of Cheque	£10.00
1.8	Stop Payment of Lost Chequebook	£10.00
1.9	International collection(USD,GBP,EUR cheques)	Clearing agent charges + £20.00
1.10	Reduction in Profit When 'Fixed Deposits' Are Withdrawn Before Maturity	£20.00
1.11	Usance Documents (D/A Acceptance)
	Term of Deposit	Reduction In Profit
	- 3 Month	50% reduction in total profit calculated
	- 6 Month	50% reduction in total profit calculated
	- 12 Month	50% reduction in total profit calculated
	- 24 Month	50% reduction in total profit calculated
	- 36 Month	50% reduction in total profit calculated
	- 60 Month	50% reduction in total profit calculated
1.12	Early withdrawal of 90 Day Islamic Notice Account	50% reduction in total profit calculated
1.13	Temporary Account Statement	£5
1.14	Duplicate Statement	£2.50 per page
Please refer to Personal Banking Terms and Conditions for more details

2.	Safe Deposit Box
2.1	Annual fee
	- Small	£175 per annum
	- Medium	£225 per annum
	- Large	£275 per annum
	Late Payment Charge	£15/month***
	Charges for replacement of lost keys	£750 + VAT

3.	Transfers Abroad/International Transfer of Monies
3.1	Telegraphic Transfer (Account Holders) over £100,000	£20.00
3.2	Telegraphic Transfer (Account Holders) over £100,000	£25.00
3.3	Telegraphic Transfer (NON-Account Holders) up to £100,000	£25.00
3.4	Telegraphic Transfer (NON-Account Holders) over £100,000	£30.00
3.5	Cash Handling Charges for NON-Account Holders (Telegraphic Transfer)	50p per £100
3.6	Amendments to Telegraphic Transfers	£10.00

4.	Issuance of Demand Draft and Payment Orders (All currencies)
4.1	Issuance of Demand Draft (Account Holders)	£15.00
4.2	Issuance of Payment Order (Account Holders)	£15.00
4.3	Telegraphic Transfer (NON-Account Holders) up to £100,000	£25.00
4.4	Cash Handling Charges for NON-Account Holders (Issuance of Demand Draft/PO)	50p per £100
4.5	Cancellation Demand Draft(Account Holders)	£15.00
4.6	Cancellation Payment Order(Account Holders)	£15.00
4.7	Cancellation Demand Draft/PO(NON-Account Holders)	£20.00

5.	Home Remittances
5.1	Money Transfer to Pakistan (in PKR)	Free of charge for GBP equivalent of £90 and above. £3 charge for transactions below £90

6.	Domestic Payments
6.1	Transfer into an account with UBL UK (Internal Transfers)	Free of charge
6.2	Domestic Payment within UK(GBP)-up to £100,000(in branch)	£20.00
6.3	Domestic Payment within UK(GBP)-more than £100,000(in branch)	£25.00
6.4	Domestic Payment within UK(GBP)-up to £10,000(via UBL Online Banking)	Free of charge

7.	Debit Card Charges
7.1	In UK (Local)
	At a UK Cash Machine for GBP Withdrawal	No Charge*
	Purchase Transaction in the UK	No Charge*
7.2	International Transactions
	- At all Cash Machines/ATMs	2% (min £2 max £4)
	Purchase Transactions	No Charge*
	- FX Margin	2.99%**
7.3	Other Debit Card Charges
	Damaged Card Replacement	£5.00
	Lost/Stolen Card Replacement	£5.00
	PIN Mailer re-issue charges	£5.00

*UBL UK would not charge anything on such transactions. However, the owner of the machine may levy some charges, but in such cases, customer is mostly informed by the machine.

**In addition all foreign currency transactions would be converted to GBP at prevailing exchange rate.

***Any Late Payment Charges received by the Bank shall be donated by the Bank (on behalf of the customer) to such registered charitable foundations as the Bank may select under the supervision of the Bank’s Shariah Advisor after deducting all actual costs incurred by the Bank.

8. Overdrafts

UBL UK do not offer overdraft facilities for any UBL UK Ameen Islamic Account and it is important that you ensure your balance does not go below £0.

UBL UK Ameen Islamic Schedule of Charges

8. Overdrafts