Branchless Banking Home Remittance Account

Training Manual

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UBL is amongst the leading commercial banks in serving the beneficiary customers of inward home
remittance for Pakistan. In order to tap the remittance customer segment, UBL Omni aims at
introducing a branchless banking home remittance account. This account will be an extension of the
branchless banking biometric account.

Transaction Flow

Account registration will be initiated based on the following flow:

Screen-1:

 Customer visits the agent and requests for Home Remittance Account.
 Agent will login to the portal and select the Account Opening Home Remittance option
available in the transaction menu.

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Screen-2:

 Agent asks the customer for his original CNIC.

 Agent then enters the customer’s CNIC and mobile number and will select “Next” to proceed
further.

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Screen-3

I. Agent will enter the following details of the customer for registration:
a. Full Name as per CNIC
b. Father’s/Spouse’s Name
c. Occupation
d. Source of Income
e. Purpose of Account
f. Remitter Locations
g. Relationship with Remitter
h. Next of Kin
i. Agent then checkmarks designated checkboxes pertaining to:

 Verification of original CNIC along with the customer acceptance of T&Cs.

 Availing remuneration payouts against the account.

II. Agent asks the customer to provide biometric verification as specimen signature and as
agreement to the Terms and Conditions of HRA.
III. Agent enters password to proceed.
IV. Customer is registered for L 1 Home Remittance Account and receipt is generated.

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Screen-4

I. Receipt shall include the following fields:

 Transaction No.
 Customer Name
 Account No.
 Transaction Type
 Date

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Transaction & Balance Limits
Customer will be assigned below limits as per SBP regulations:

Home Remittance Account Limits

Cash withdrawal per Max Balance
Inward Per Day Daily Debit Limit
month Limit
No Limit* 50,000 500,000** 1,500,000

*Subject to maximum balance.

**Customers shall not be charged any fees on cash withdrawals through UBL Omni agent network.

Notes:
 UBL Omni has strategized to further enhance the offering in Phase-II, however customer shall
be allowed to perform debit transactions with a daily debit limit of PKR 50,000.

 Customers can only receive inward remittance transactions as credits in their HRA.

 Customers shall be provided airtime worth Rs. 2 on each USD remittance received.

 Airtime posting shall be done within 1 working day of receiving remittance.

 UBL shall only forward the airtime posting request to respective telecom operators and shall
not be responsible for airtime posting status.

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