|1.1||Cheque Returned Unpaid (Inward)||£15.00|
|1.2||Cheque Returned Unpaid (Outward)||£25.00|
|1.3||Cheque Collected in Special Clearing||£25.00|
|1.4||Setting up standing order||Free|
|1.5||Unpaid Standing Order||£20.00|
|1.6||Unpaid Direct Debit||£20.00|
|1.7||Stop Payment of Cheque||£10.00|
|1.8||Stop Payment of Lost Chequebook||£10.00|
|1.9||International collection(USD,GBP,EUR cheques)||Clearing agent charges + £20.00|
|1.10||Foreign Cheque Returned Unpaid||£20.00|
|1.11||Penalty for Fixed Deposits Withdrawn Before Maturity|
|Term of Deposit||Penalty Charges|
|- 3 months||30 days gross interest|
|- 6 months||60 days gross interest|
|- 1 Year||90 days gross interest|
|- 2 Years||180 days gross interest|
|- 3 Years||270 days gross interest|
|- 5 Years||365 days gross interest|
|- 7 Years||730 days gross interest|
|Please refer to product's Terms and Conditions for more details|
|1.12||Duplicate Statement||£2.50 per page|
|1.13||Temporary Account Statement||£5|
|1.14||Online Easy Access Account Withdrawal Arrangements||One free withdrawal each calendar month. £1 charge for each subsequent withdrawal within the same month|
|2.||Safe Deposit Box|
|- Small||£175 per annum|
|- Medium||£225 per annum|
|- Large||£275 per annum|
|Late Payment Charge||£15/month|
|3.||Transfers Abroad/International Transfer of Monies|
|3.1||Telegraphic Transfer (Account Holders) upto £100,000||£20.00|
|3.2||Telegraphic Transfer (Account Holders) over £100,000||£25.00|
|3.3||Telegraphic Transfer (NON-Account Holders) upto £100,000||£25.00|
|3.4||Telegraphic Transfer (NON-Account Holders) over £100,000||£30.00|
|3.5||Cash Handling Charges for NON-Account Holders (Telegraphic Transfer)||50p per £100|
|3.6||Amendments to Telegraphic Transfers||£10.00|
|4.||Issuance of Demand Draft and Payment Orders (All currencies)|
|4.1||Issuance of Demand Draft(Account Holders)||£15.00|
|4.2||Issuance of Payment Order (Account Holders)||£15.00|
|4.3||Issuance of Demand Draft/PO(NON-Account Holder)||£20.00|
|4.4||Cash Handling Charges for NON-Account Holders (Issuance of Demand Draft/PO)||50p per £100|
|4.5||Cancellation Demand Draft(Account Holders)||£15.00|
|4.6||Cancellation Payment Order(Account Holders)||£15.00|
|4.7||Cancellation Demand Draft/PO(NON-Account Holders)||£20.00|
|5.1||Money Transfer to Pakistan (in PKR)||Free of charge for GBP equivalent of £150 and above. £3 charge for transactions below £150|
|5.2||Money Transfer to Bangladesh (BDT) and India INR)||£3.00|
|5.3||Cash Handling Charges for Bangladesh (BDT) and India (INR) for Non Account Holder||50p per £100|
|6.1||Transfer into an account with UBL UK (Internal Transfers)||Free of charge|
|6.2||Domestic Payment within UK(GBP)-up to £100,000(in branch)||£20.00|
|6.3||Domestic Payment within UK(GBP)-more than £100,000(in branch)||£25.00|
|6.4||Domestic Payment within UK(GBP)-up to £10,000(via UBL Online Banking)||Free of charge|
|7.||Debit Card Charges|
|7.1||In UK (Local)|
|At a UK Cash Machine for GBP Withdrawal||No Charge*|
|Purchase Transaction in the UK||No Charge*|
|- At all Cash Machines/ATMs||2% (min £2 max £4)|
|Purchase Transactions||No Charge*|
|- FX Margin||2.99%**|
|7.3||Other Debit Card Charges|
|Damaged Card Replacement||£5.00|
|Lost/Stolen Card Replacement||£5.00|
|PIN Mailer re-issue charges||£5.00|
*UBL UK would not charge anything on such transactions. However, the owner of the machine may levy some charges, but in such cases, customer is mostly informed by the machine.
**In addition all foreign currency transactions would be converted to GBP at prevailing exchange rate.
A overdraft is a short-term way of borrowing money through a current account so you can make payments even though there isn’t enough money in your account to cover them.
UBL UK currently offers overdrafts on a very limited basis; which are subject to application and approval. The amount of overdraft facility interest rate and arrangement fee will depend on your personal circumstances and will be decided by the bank on case to case basis.
This occurs where there is no previously agreed facility (or you have used up the agreed "Authorised Overdrafts") on your current account and you make a payment instruction or incur charges on your account.
Unauthorised overdrafts will incur arrangement fee and interest charges as shown below.
All overdraft outstanding amounts and fees are repayable on demand.
|Arrangement Fee||Interest Rate %EAR***|
|£25||UBL UK Base Rate + 8%|
UBL UK Base Rate is 3% as at 1st April 2015.Overdraft interest will be calculated on daily basis on debit balance and deducted from your account is overdrawn without an overdraft facility or if your account goes over an agreed limit.
***EAR is Equivalent Annual Rate.This is the actual annual rate of an overdraft.It does not take into account other fees and charges.