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.

QR Payments

UBL QR made payments simple—Just Scan and Pay Asaani Se!

UBL Person to Merchant QR enables businesses to accept payments via QR codes, offering a user-friendly interface and advanced features. Suitable for all types of businesses, from small vendors to large retail chains, UBL QR payments system simplifies digital transactions for any business.

Key Features

Ease Of Use

Use your smartphone or tablet for quick setup, or place the QR code on the counter to start accepting payments.

Cost-Effective

No expensive hardware, free for customers, nominal fee for merchants.

Secure Transactions

Compliant with PCI DSS standards, ensuring the highest level of security.

Real-Time Processing

Immediate funds transfer into merchant account.

Detailed Reporting

Easy access to transaction history up to 90 days within app.

Wide Accessibility

Supports Raast P2M QR transactions via all Raast-enabled banking apps

Benefits Of QR Payments

UBL QR is set to transform how businesses handle transactions. By adopting the UBL QR payment system, businesses can

Diversify their payment options

Enhance customer experience

Boost sales
opportunities

Reduce the risk of Cash handling

Who can become QR Merchant?

All businesses operating in Pakistan can become UBL QR Merchant.

How can I Receive Payments via UBL QR?

Receiving business payments through UBL QR involves a straightforward and easy process.

Simplify Your Payments: Register with UBL QR Now

Get Started with UBL Merchant App (Ropay)

Download and Install

Find the UBL Merchant App (Ropay) on Google Play Store and install it.

Register and Set Up

Link Your Account

Link your account with Raast ID.

Display & Accept Payments

Share your QR Code with customers or display it over the counter to start accepting payments via QR, Till Code.

Manage Transactions

View transaction history in the app.

For more information, Contact us at:

Phone:

021-111-825-777

Scan and download RoPay app

Sole Proprietors, Partnership, Limited Company, NGOs/Clubs, Government/Semi Government Organizations and Corporate Setup

Email Us at: merchant.acquiring@ubl.com.pk

UBL bank representative will contact merchant for assisted UBL QR Merchant on boarding.

A full KYC business account will be opened at a UBL branch.

Existing UBL account can also be used.

How can I Make Payment via QR?

Frequently Asked Questions

FAQs for Merchants & Customers

How do I make a payment using Raast P2M?
- Sign in to your UBL Digital mobile app.
- Click on the QR button on home screen.
- Scan the merchant's QR code or enter their merchant Till Code.
- Enter the amount you wish to pay.
- Confirm the payment.
- *In case of dynamic QR you don’t need to enter the amount.
Are there any fees for using Raast P2M?
- Raast P2M transaction are free for Customers.
Is Raast P2M secure?
- Yes, Raast P2M uses advanced security measures, including encryption and authentication protocols, to ensure that all transactions are safe and secure.
What should I do if my payment fails?
- If a payment fails, please check your internet connection and ensure you have sufficient funds in your account. If the problem persists, contact bank’s customer support for assistance.
How can I track my payments?
- You can track your payments through your UBL Digital mobile app or internet banking portal, where you can view your transaction history and receive notifications for each payment made.