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/-,
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/-
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
The product will be governed in line with the requirements of FE Manual/ SBP