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

Omni HRA Account

UBL has always strived to offer the most convenient and free of cost remittance services to all the beneficiaries in Pakistan. Through this, customers can receive their home remittance, free of any charges or taxes and be able to withdraw their funds within Pakistan through any ATM or UBL Omni Dukaans.

Salient Features

Instant account opening and activation via biometric verification at agent location.
Free Mobile Airtime on remittance receiving. Top-up of Rs. 2 awarded on every $1 inward remittance.
Free SMS alert to the beneficiary at the time of account opening notifying the account number for receiving future remittances to this account.
Option to convert the existing Cash Over Counter payment in full or partial withdrawal at the time of account opening.
No requirement for initial deposit, account opening or maintenance charges and minimum balance.
Issuance of ATM debit card for 24/7 nationwide access to funds from ATM and usage at POS .
Availability of statement of account.
No Withholding Tax on cash withdrawals since the account will only be fed through home remittance.
No other credit of any sort from any channel will be allowed in this account.

All you need to do is visit nearest UBL Omni dukaans. Provide your basis information, CNIC and mobile number.

Transaction Limits

Transactions	Limits
Maximum Account Balance	Rs. 1,500,000
Maximum Debit Limit	Rs. 500,000
Cash Withdrawal through Omni Dukaan	Rs. 50,000 (Per transaction)

Visit your nearest UBL Omni Dukaan with your original CNIC to open UBL Digital Remittance account through easy and hassle-free procedure.

You may also contact us on UBL Contact Center and Customer Care at 111-825-777.

All service charges will be levied as per bank’s Schedule of Bank Charges (SOC).
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Frequently Asked Questions

What is UBL Tezraftaar Omni Account?
UBL Tezraftaar Omni Account is a current account for home remittance beneficiaries. Through this account, the customers can receive their home remittance, free of any charges or taxes and be able to withdraw their funds within Pakistan through UBL Omni agents or ATM’s across Pakistan.
Where can I get my UBL Tezraftaar Omni Account?
How can I load my UBL Tezraftaar Omni Account?
What do I need to get a UBL Tezraftaar Omni Account?
How will I know when amount is credited to UBL Tezraftaar Omni Account?
How will I get the ATM pin for my UBL Tezraftaar Omni Account?
What to do if customer lose their UBL Debit Card?