UBL Good Citizen Account

Being a Pakistani citizen, it’s our responsibility to contribute towards the progress and prosperity of our nation. One of the key roles of every citizen is to pay their taxes regularly and in a transparent manner.

UBL is offering a unique new banking product, UBL Good Citizen Account. As an Active Tax Payer, you can avail multiple benefits being offered by our state, but with this product, you can avail several additional benefits as a reward from UBL.

Target Market:

This account is for tax filer only

Product Features

• No initial deposit requirement
• No minimum balance requirement
• General banking Services

Inter branch Online Transactions - Country wide

• Cash Deposit
• Cheque Deposit
• Online funds Transfer
• Cash withdrawal

Cheque Book

• Issuance of Cashier Cheque
• Cancellation of cashier Cheque
• Duplicate Cashier cheque
• Clean Bill for collection/ Intercity Clearing –

Product features can be availed by Good Citezen account holders who maintain a YTD average balance of PKR 25K or above in their current account relationship balance

• Duplicate Account statement
• UBL Go Green digital SMS Alerts
• Complimentary insurance of accidental death and disability upto PKR 2.5 M
• Free Debit Card except for UBL Premium Plus Debit Card
• 50% Cashback IBFT (via Digital)

Note: First Debit Card Issuance is free

For monthly average balance of Rs.500,000 and above

• 100% Cashback IBFT (via Digital)
• 100% Cashback ATM Off-us Transaction
• Auto Loan Markup - Up to 4.6% Cashback
• Mortgage Markup - Up to 1.10% Cashback
• SE Loan (Discount Rate for self- employed) - Up to 2.00% Cashback

An independent tax advisory firm has associated itself with UBL in order to render their professional services. It comprises of specialised teams with diverse experience to assist UBL Good Citizen Account customers with professional tax advisory and filing of tax returns at a discounted rate of Rs. 2200/-.

Registration: Rs. 400
Tax Filing: Rs. 1800

However, UBL's role is limited as a facilitator between BeFiler and the potential customers of the product.

• Customer will be informed about product benefits and its tax facilitation/registration/filing feature.
• Branch will check the customer tax filer status from ATL list.
• If a customer is a non-filer and opts to avail tax related services, Branch will provide a simplified tax form to customer for tax registration & filing.
• The customer will provide all the details in the fields required for NTN registration and tax filing.
• After the customer has filled complete information, branch will scan the copy of the tax form and deposit slip and will send to BeFiler.
• BeFiler will contact the customer through a callback.
• For Tax Return Filing, BeFiler’s TAT is 2 working days, provided all the requisite information is complete.

• Terms and conditions apply.
• Auto/home/small business loan rates are subject to money market movements. Rates may change in future.
• The discount on loans, ATM off us transactions and funds transfer to any bank in Pakistan via App, ATMs and net banking will be given in the form cash refund, paid in the customer' s account within first week of next month.
• Customers can avail cashback against one loan only, with the lowest instalment available in the product catalogue. However, if the customer locks 500K, then he/she can avail auto loan at the effective rate of 9.75% directly, instead of the cashback.
• The Bank shall not be liable for any action or lack thereof on the part of a third party (BeFiler).
  The customer hereby indemnifies and holds harmless the Bank against any loss, liability or damages arising from utilization of services of a third party whether if the same were referred to the customer by the Bank or not. The customer shall at all times exercise his good judgement and conduct their own due diligence prior to utilizing any services recommended by the Bank or offered by a third party on behalf of the Bank.

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