Omni-Branchless Banking

UBL Omni now brings a host of banking services to your nearest "Dukaan". UBL Omni Dukaans are located in more than 900+ cities and towns across Pakistan. This is a major milestone in the evolution of banking that has reshaped 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 basic 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. Also they can avail instant ATM card. Accounts with higher limits can be opened from any UBL branch.

UBL Omni account holder will subsequently be able to deposit and withdraw cash, make utility bill payments, send or receive money, purchase mobile airtime, make postpaid mobile bill payment, pay Zakat & Donation and much more by using diversified array of convenient channels which includes SMS, Mobile App, UBL Netbanking 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.

Over-The-Counter (OTC)

People without a UBL Omni bank account will also be entertained at a UBL Omni Dukaan where they can make bill payments, send or receive money, buy railway tickets, purchase mobile top up and pay Zakat & Donations etc.