UBL Tezraftaar brings your loved ones residing abroad close to you!

For More details click here

UBL Good Citizen Account

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.

UBL Good Citizen Benefit

I. Benefits offered by the state:

  • Lower tax rates on at source deduction on profits
  • Lower tax rates on buying, selling & transferring of motor vehicles & property
  • And much more, under tax laws.

II. Benefits offered by UBL:

  • Tax facilitation with highly professional tax consultants - BeFiler
  • Free General Banking Charges & Fees
  • Free Debit Card
  • Free accidental insurance

Additional benefits, if the customer maintains Rs.5 lakh monthly average balance:

  • Auto loan or home loan or small business loan at a current effective rate of 12.5% p.a.
  • Free life insurance coverage for natural or accidental death (including Covid-19) and hospitalisation cash benefits
  • Free ATM cash withdrawals from any bank, anywhere in Pakistan
  • Free funds transfer to any bank, anywhere in Pakistan via UBL Digital App, internet banking and ATMs

The UBL Good Citizen Account will be opened through existing account opening procedures (through branches).

About BeFiler

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.

Tax Facilitation – Branch Process:

  • 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.

Health Insurance

Product Details
Benefit - Death Benefit & Hospitalization

A fixed amount will be paid to the beneficiary in case of death of the account holder either natural death or by accident. The benefit doubles in case of accidental death.

This plan also provides hospital cash benefit, which provides daily cash to the account holder in case of hospitalization. In case the account holder gets admitted into the ICU, the benefit doubles.

Benefit Amount
Natural Death Benefit Accidental Death Benefit Hospitalization (Daily Limit) ICU Admission (Daily Limit)
500,000 1,000,000 5,000 10,000

All amounts are in PKR

Who is Covered The insurance will be provided to all Filer customers whose last month’s average balance is equal to or above Rs. 500,000/-
Cover Charges Complementary Cover
Applicable Ages & Basic Terms Enrollment Age: 18 to 65 years
Coverage Age: 18 to 65 years and 1 month
Term: Monthly

Notice of claim must be given to EFU Life by UBL/Beneficiary not later than 90 days from the date of claim.

Claim forms will be available with UBL, which can be provided at the time of claim to the Beneficiary. Branch will guide the Beneficiary about the claim form filling and submission directly to EFU Life through email/post/WhatsApp. EFU Life will manage the customers claim and guide him accordingly.

The same will be paid to beneficiary of the insured/covered member directly by EFU Life. If required any confirmation of nominee/legal heirs by the UBL branch can be collected by EFU from the UBL.

Email to EFU:
Attn. Claims Department
By Phone: 111-338-111
By Post: Claims Department
EFU Life Assurance
EFU Life House
Plot No 112
8th East Street
DHA Phase 1
Exclusions For Death Benefit
Suicide, intentional self-inflicted injury, murder, assault, assassination, injury sustained through firearm injury participation in any criminal act or violation of law.
For Hospital Cash Benefit
Willful self–inflicted injury while same or insane or unreasonable failure to seek or follow medical advice, effect of alcohol or any drug, poison, gas, fumes, voluntarily or involuntarily taken.

Apply Now