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.

Elevate your E-commerce Experience with UBL Internet Payment Gateway

Streamline your online transactions with seamless, secure payments and global reach for your business.

E-Commerce Payment Gateway

E-Commerce Payment Gateway has been processing e-Commerce payments since 2013 and has been a pioneer in online payment solution in the financial industry. It is powered by Etisalat UAE with strong footprints globally as well, primarily in the UAE market. UBL e-commerce payment gateway streamlines and secures your online transactions, providing a reliable way to accept and manage payments. As e-commerce grows, our gateway equips you with the tools to handle website payments, e-invoices, and subscriptions effortlessly. Powered by cutting-edge technology, UBL Pay offers a comprehensive suite of features for simplified online payments

Features & Benefits

Accelerate transactions, ensure security, and optimize operations with UBL POS Terminal.

PCI DSS Certified

Top-tier security with PCI DSS certification and 3D Secure.

Recurring Transactions

Automate billing with flexible recurring payments.

Fraud Guard

Advanced protection against fraudulent transactions.

Frictionless Payment Experience

Frictionless payment experience with API’s iFrame or redirection to the Etisalat gateway for transaction processing and Inline checkout.

Benefits

Explore additional benefits that enhance functionality, streamline operations, and provide added value to your business.

Merchant Portal Access

Easily manage transactions with our merchant portal.

Optimized Payment Page

Deliver a seamless experience on any device.

3DS Tokenization

Securely store and reuse card information.

Seamless Integration

Effortlessly integrate with popular platforms.

Seamless Payment Experience

Ensure a seamless, user-friendly payment process that enhances customer satisfaction and simplifies transactions.

Versatile
Payment Options

Accept payments from various sources, including contactless cards and wearables.

Interested in Making us Your Payment Partner?

Take our short quiz to know your requirements Click Here.

Sign Up as an E-Commerce Merchant

Join our network in 4 easy steps and unlock exclusive tools and benefits designed to grow your business.

Step 1

Bank Account Opening

Submit documentation to open bussiness account at any UBL branch.

Step 2

Service Agreement

Review and sign the standard service agreement for UBL Internet Payment Gateway.

Step 3

System Integration

Integrate your website/App with our payment gateway test environment and complete the testing.

Step 4

Go Live

Change the test credentials to your production ones and you are live for collecting payments seamlessly.

Elevate your E-commerce Experience with UBL Internet Payment Gateway

E-Commerce Payment Gateway