UBL Omni Branchless Banking

UBL Omni now brings a host of banking services to your nearest "Dukaan". UBL Omni Dukaans are
located in more than 100 cities and towns across Pakistan. This is a major milestone in the evolution
of banking that will reshape the traditional banking model by offering basic banking services across
urban and rural Pakistan, well beyond the regular branch networks of banks.

Customers across Pakistan can now open a UBL Omni bank account at any UBL Omni Dukaan of their
choice, whether close to their home or place of work, by using their CNIC number and mobile phone
number - their mobile phone number will effectively become their bank account number
irrespective of which service provider they use.

UBL Omni account holder will subsequently be able to deposit and withdraw cash, make utility bill
payments, send or receive money, purchase mobile card vouchers, make postpaid mobile bill
payment and much more by using diversified array of convenient channels which includes UBL
Netbanking/ WAP, SMS, Contact Centre or ATM. No longer will they have to visit a bank branch to
conduct their basic banking transactions nor will they be limited by standard banking hours.

People without a UBL Omni bank account will also be entertained at a UBL Omni Dukaan where they
can make utility bill payments, send or receive money, purchase mobile card vouchers and make
postpaid mobile bill payments.

Bills Payment

Why stand in long queues or worry about payment of utility/mobile bills when you can pay your
utility/mobile bills anytime at conveniently located UBL Omni Dukaan. Just visit any UBL Omni
Dukaan to pay your utility/mobile bills instantly without any additional charges. You can pay
utility/mobile bills of Registered Utility/Mobile Companies

How to Pay Utility Bill at UBL Omni Dukaan?

• Visits UBL Omni Dukaan for utility bill payment

• UBL Omni dukaandar will login to the application and enters the following details

  o Company
  o Consumer No
  o Depositor Mobile Number

• UBL Omni dukaandar will inform you about the transaction details and upon your confirmation will
provide you the       e-receipt.
• The e-receipt contains the transaction details
• You will also receive a confirmation SMS for the transaction from 8257

How to pay Mobile Bill?

• Visits the UBL Omni Dukaan for mobile bill payment
• UBL Omni dukaandar will login to the application and enters the following details

  o Bill Type

  o Mobile No
  o Amount

• UBL Omni dukaandar will inform you about the transaction details and upon your confirmation will
provide you the       e-receipt
• The e-receipt contains the transaction details
• You will also receive a confirmation SMS for the transaction from 8257

Money Transfer

Product

Now anyone can send money instantly across Pakistan without the need of a bank account.

This can be done ever so conveniently by using the power and convenience of UBL Omni. You can
visit your nearby UBL Omni Dukaan with the original and a copy of your CNIC along with CNIC
number of the recipient and send money instantly to your loved ones with complete peace of mind
backed by the financial security of UBL.

Sending Process

1. Visit any UBL Omni Dukaan with original and a copy of your CNIC to initiate the money transfer.

2. Provide the following details to the UBL Omni Dukaandar which is required for sending money:

  a. Your CNIC number

  b. Your mobile number
  c. Your name
  d. City where you are sending money
  e. Receiver CNIC number
  f. Amount

3. You can also provide the following but these are not necessary requirement for sending money:

  a. Receiver name

  b. Receiver mobile number

4. UBL Omni Dukaandar will enter the details on his mobile and ask you to submit a copy of your
CNIC which he will         keep for submission to UBL
5. On successful transaction you will receive an SMS on the mobile number you provided which will
contain a 16 digit       reference number for this transaction. It is VERY important that you provide
your own mobile number as:

  a. This reference number will be required by the beneficiary to collect the funds
  b. This reference number will only be sent on the mobile number

6. UBL Omni Dukandaar will also handover a printed transaction receipt containing all the
transaction details. Please       keep this slip safe until the beneficiary has successfully collected the
funds.

7. Communicate the 16 digit reference number you received on your mobile to the beneficiary.

Receiving Process

1. Beneficiary can visit any UBL Omni Dukaan to collect funds by presenting the following:

  a. Own CNIC number

  b. 16 digit reference number
  c. Copy of own CNIC

2. UBL Omni Dukaandar will verify the availability of original CNIC with the beneficiary and initiate
the transaction.

3. On successful execution of the transaction, a confirmation SMS is sent to initiator and beneficiary
mobile number       (if provide initially)

4. UBL Omni Dukaandar will hand over the transaction slip and cash to the beneficiary#

Charges

Omni convenience is now offered at affordable prices to all of our customers. So whether you
are an Omni Account holder or not, you can avail Omni convenience without any hassle at
the following rates:

Service Fee at UBL Omni Dukaan:

Utility Bill Payment Free

Mobile Voucher Purchase Free
Mobile postpaid Bill Payment Free
3.35% of the transaction amount
Omni money Transfer
(Min. transfer amount Rs. 500)
 Cash Withdrawal from Omni account
1.5% of the withdrawal amount
(Not applicable on Omni Money Transfer)

Account openning:

Initial deposit requirement Rs. 500

Minimum balance requirement Rs. 500
Minimum balance charges Rs. 25 per month

Subscription For Omni Account Holders:

Now you can avail all UBL Omni services wherever you want and whenever you want using
multiple channels by just subscribing to any of our packages at the time of account opening
and avail unlimited Omni account usage:

Package Name Validity (Days) Charges (in Rs.) Free Channels

Omni Daily 1 10 Mobile, Internet, WAP
Omni Weekly 7 50 Mobile, Internet, WAP
Omni Monthly 30 150 Mobile, Internet, WAP
Omni Semi Annual 180 300 Mobile, Internet, WAP
Omni Annual 360 500 Mobile, Internet, WAP
• In this package, each transaction will be charged individually
Omni Transaction **
• This will be the default package

**OMNI TRANSACTION FEE

Bill Payment (Mobile, Internet or WAP) Rs. 5
Mobile Voucher Purchase (Mobile, Internet or
Rs. 5
WAP)
2.5% of the transaction amount or Rs.
UBL Omni Account to Account funds transfer 10
(whichever is higher)

Omni Visa Card Charges:

Omni Card Type Annual Fee Daily Limit

Omni Silver Rs. 150 Rs. 20,000
 Omni Gold Rs. 250 Rs. 40,000

Purchase Mobile Voucher

You can buy mobile cards in all major denominations for each cellular operator at any UBL
Omni Dukaan. You don’t need to worry about buying prepaid card from specific shop.
Whether you are shopping or passing by any UBL Omni Dukaan you can purchase voucher
without any hassle and additional charges. You can buy Prepaid Vouchers of any of the
following companies: Company Denomination

Company Denomination
Mobilink 100, 300, 600, 1000
Ufone 100, 250, 500, 1000
Warid 100, 250, 500, 1000
Telenor 100, 250, 500, 1000
Zong 100, 300, 500, 1000

How to buy prepaid voucher at UBL Omni Dukaan?

• Visits the UBL Omni Dukaan for buying the prepaid vouchers
• UBL Omni dukaandar will login to the application and enters the following details

  o Voucher company and denomination

  o Your Mobile Number

• UBL Omni dukaandar will inform you about the transaction fee and upon your confirmation will
provide you the           required voucher on e-receipt
• The e-receipt contains the transaction details which includes the voucher number
•Partner Companies
 
Registered Utility Company

You can pay utility bills of the following registered utility companies:

• PTCL
• SSGC
• SNGPL
• KESC
• HESCO
• FESCO
• IESCO
• QESCO
• KWSB
• MEPCO
• PESCO

Registered Mobile Company

Mobile Bill Payments can be made to any of the following registered companies:

• Mobilink
• Zong
• Ufone

Sentiments

Make every occasion special by ordering these delicious cakes & beautiful flowers through Omni.
FAQs

1. What is UBL OMNI?

UBL OMNI is a new banking system that will enable the customer to open a new UBL
Account at UBL assigned retail locations throughout the country as well as any UBL Branch.
This account can be operated through any of the agents, UBL Branches, mobile phone,
internet or through UBL Call centre.

2. How can I open a new UBL OMNI Account?

You can visit any of the mentioned OMNI Dukaan with the initial deposit amount and your
original CNIC. After completing the account opening form, the agent will deposit your
amount and will provide you a confirmation slip along with a copy of your account opening
form. Your account will be activated once your request is processed by UBL.

If you already have an account with UBL than you just need to send your name and CNIC on
8257. Your account will be activated immediately and you can start using it.

3. How is this account different from my existing UBL Account?

Unlike your conventional UBL account, UBL OMNI account can be operated from any
OMNI Duaakns throughout the country and any UBL Branch. Apart from conventional
transactions you can now pay your utility and mobile phone bills and also buy mobile phone
vouchers using your OMNI Account.
4. How can I access my UBL OMNI Account on my mobile phone?

You can access your UBL OMNI Account through your mobile phone simply by activating
the SMS channel on your OMNI Account by calling our contact centre 24 x7 at (021) – 111-
825-777

Process of SMS channel activation through call centre is provided as under

i. For customers who have a TPIN of the contact centre

   a. Customer calls the contact centre at (021) – 111-825-777
   b. Selects the language
   c. Presses “2” for services selection
   d. Enters the CNIC and TPIN
   e. Presses “3” for Omni
   f. Presses “0” to speak to the contact centre agent who will activate the SMS banking
channel

ii. Customers who do not have a TPIN can talk to any of the contact centre agents and request
to talk to any “OMNI”       agent. The agent will activate the SMS banking channel after
verification

5. How can I perform different transactions using my mobile phone?

Once you have activated your OMNI Account on your mobile you can use it through the
following commands:

i. Command for Mobile Voucher purchase: Type Buy e.g. to buy a voucher of Telenor worth
Rs. 100 type” Buy T100 ”.
ii. Command for Utility Bill Payment: Type “Paybill ” e.g. to pay your PTCL bill type ”
Paybill 1500 PTCL 170514910003 “.

6. What is the minimum amount required to open a UBL OMNI Account?

Minimum amount required to open UBL OMNI account is Rs. 500.

7. How can I use my OMNI account through internet?

You can use your UBL OMNI account through internet by visiting UBL website
www.ubl.com.pk and registering for UBL Online banking using your OMNI Account. User
name and password for online banking can also be used to use the account on WAP through
mobile phone.

Use the following steps to activate online banking on your OMNI account:

i. Visit the URL www.ubl.com.pk/ebank

ii. Choose new users
iii. If you already have an account with UBL at a Branch and also have a wallet card then you
will just need the                following information

 a. Your WALLET card no.

 b. Your registered email address
 c. A verification code
 d. Your ATM PIN

iv. If you only have a UBL Account but no ATM card than you will be required to enter the
following information

 a. Your registered email address

 b. Keyword / Mother’s maiden name
 c. Region
 d. Branch Name
 e. Account No.

v. If you only have the UBL OMNI account than select the “Omni” option instead of the
normal account from the     address https://www.ubl.com.pk/ebank/login/gs_reg_info.asp and
continue to fill the required information
    For details on the registration information visit https://www.ubl.com.pk/ebank/faqs/

8. How much would I be charged for using all the services?

Most of UBL OMNI services are free for customers. For details on charges on particular
transactions visit our schedule of charges.

9. What features are available for the branchless account on IVR?

On IVR you can use the following features for your UBL OMNI Account:
i. Balance inquiry
ii. Listening to last 10 transactions
10. What types of accounts does OMNI offer?

Your OMNI account will be a Current Account.

Omni SMS numbers are:

UFONE 0332-825-7771

MOBILINK 0302-825-7771

TELENOR 0345-825-7771

WARID 0321-825-7771

UBL Omni a challenge to Telenor Easypaisa

United Bank Limited have launched its branchless banking in the name of UBL Omni adding
a direct challange to Telenor Easypaisa as almost all mobile networks have a support for
UBL omni. UBL omin offers all of its services on the mobile phone which include money
withdrawing, deposit, transfer, mobile cards and bill payments, electricity gas telephone bill
payments, Web-portal access, SMS services, Wap services, UBL branch support etc. In order
to get a UBL omni account one need a CNIC, a Mobile Phone number and Rs 500 only as a
cash deposit.

UBL is offering its UBL mini services via UBL Dukaan. One can get omni services from the
Dukan which are

1. Account Opening
2. Cash Deposit
3. Cash Withdrawal
4. Utility Bill Payments*: Customers can visit UBL OMNI Dukaans to pay their utility bills.
5. Prepaid mobile Airtime purchase
6. Postpaid mobile bill payment
7. Domestic Remittance

In additions to the above mentioned services one can also pay bills at UBL Dukaan with the
following companies. PTCL, SSGC, SNGPL, KESC, HESCO, FESCO, IESCO, QESCO,
KWSB. You can also get any further information via UBL official link for UBL Omni .

More links about UBL omni are as follow

The Main UBL Web portal for ebank https://www.ubl.com.pk/ebank

SMS banking https://www.ubl.com.pk/omni/ServicesSMS.aspx

Sending/Receiving Charges

Utility Bill Payment: Free

Mobile Voucher Purchase: Free
Mobile postpaid Bill Payment: Free
Omni money Transfer: 3.35% of the transaction amount (Min. transfer amount Rs. 500)
Cash Withdrawal: 1.5% of the withdrawal amount

Omni Visa Card Charges:

Omni Card Type Annual Fee Daily Limit

Omni Silver Rs. 150 Rs. 20,000
Omni Gold Rs. 250 Rs. 40,000