UBL Omni SMS Services

UBL SMS Banking revolutionizes the way you spend money.

For too long your mobile phone has been a simple mode of communication, UBL is about to change that.
UBL introduces yet another first-of-its-kind service in Pakistan; UBL SMS Banking is the “First Complete Mobile Payments Solution” ever to be launched in the country. This means that you can now buy, pay and share real money using the SMS facility on your mobile phone.

That’s right; it is now amazingly easy for you to buy your prepaid talk time minutes, view your utility bills and even pay them off through your mobile phone. With simply an SMS, you can now send and receive actual money from friends and family.

With UBL SMS Banking you don't need a special SIM, GPRS connection not even a bank account!

How easy is it to use?
Once you have registered with UBL SMS Banking, opening your account is as easy as sending an SMS and making a phone call. You can buy, pay and send money in 2 easy steps: (Click to see Demo)

1. Send an SMS
2. Enter PIN in confirmation call

Done, money sent!

With UBL SMS Banking you can transact 24x7. So lose the coins, dodge those ATMs and cut the waiting lines. Use UBL SMS Banking to:

Buy prepaid mobile cards
View and Pay utility bills
Share money with friends & family
And So Much More...


Why use UBL SMS Banking?

UBL SMS Banking is smart, convenient and easy to use.

You can buy your prepaid talk time minutes over SMS instead of purchasing scratch cards from the stores.
You can view your utility bills and can even pay them over SMS.
Introduce your friends and family to UBL SMS Banking and then send or receive money from them. Payback the money you owe, get back the money they owe - all through SMS.

UBL SMS Banking gives you the freedom to utilize your money 24x7 on any GSM network anywhere in Pakistan.


Who can use UBL SMS Banking?

Anyone with a GSM mobile phone can use UBL SMS Banking! You don’t need a special SIM or a GPRS connection. UBL SMS Banking works on any GSM network – Mobilink, Ufone, Telenor, Warid and Zong.

How secure is UBL SMS Banking?
Your UBL SMS Banking account is specially designed for safe and secure mobile transactions.
Every payment is authorized by a security PIN that only you know. You will receive confirmation calls only from an UBL SMS Banking number so that you can authenticate the source of the call and distinguish it from unknown callers. This means that in any circumstances only you can make payments from your mobile phone. What’s more is that you can be sure that your transactions will be processed instantly.

How to Activate?
You can activate UBL SMS Banking by following below simple steps:

1. Call at 111-825-777
2. After selecting the language option, Press 1 to talk to our phone banker
3. Provide your verification details
4. After agreeing to the terms and conditions and generation of Transaction PIN and recording your name tag SMS service will be activated on your account immediately

SERVICES
Buy prepaid cards

Use UBL SMS Banking to buy prepaid cards for any GSM mobile service. Currently supported cards are as follows. Cards from Gerry's and other service providers are coming soon.

Service Provider Card
Jazz J100, J300, J600, J1000
Ufone U100, U250, U500, U1000
Warid W100, W250, W500, W1000
Telenor T100, T250, T500
Zong Z100, Z300, Z500

Share & Send Money
Use UBL SMS Banking to share money with your friends and family anywhere in Pakistan. You can share money with anyone, even if they do not have a bank account, as long as they have a computerized NIC and a GSM mobile service.

Send Flowers & Cakes
Use UBL SMS Banking to pay for flowers & cakes without ever stepping out of your house. You can order the flowers & cakes of your choice from Centraflora & Art-of-the-Tart. Once you receive your order number, you can easily pay for it using UBL SMS Banking – all done with just a SMS.

View your current bill
Use UBL SMS Banking to find out this month’s bill for supported utility companies. There is no confirmation call for this command. You will simply receive your bill details in an SMS.

Pay your bills
Use UBL SMS Banking to pay your utility bills of supported utility companies.

Load money from your UBL account (for UBL Account holders)*

You can use your UBL deposit account to recharge your UBL Omni account. Use this feature to load your UBL Omni account whenever you run out of money.

Unload money to your UBL account (for UBL Account holders)*

If you want to take money out of your UBL Omni account, you can unload it to your UBL account and then use your favorite payment method to withdraw it (Omni Dukaan, ATM, branch etc).

Withdraw Cash (for UBL Omni accounts)

You can also withdraw money from your UBL Omni account and collect it at a UBL Omni Dukaan or UBL branch(for online branches). Contact your nearest UBL Omni Dukaan or online branch for assistance. For a list of UBL Omni Dukaan and for online UBL branches

Request Process:

1. Use the Cash SMS command .
2. Authorize the payment in a confirmation call.
3. You will receive a 16 digit reference number on the confirmation SMS received when your transaction is successfully completed.

Withdrawal Process

UBL Omni Dukaan

1. When you go to collect you cash from UBL Omni Dukaan, please take your original CNIC along with you
2. Give your 16 digit reference number to the person at UBL Omni Dukaan and show your original CNIC
3. The person will enter the information in the system and on successful completion handover the printed receipt along with cash to you.
4. You will receive an automated confirmation SMS from ‘8257'

UBL Branch
1. When you go to collect your cash from the specified branch, fill out UBL Omni payment slip. Enter on the payment slip, the 16 digit reference number, transaction amount and your computerized NIC.
2. Present your payment slip to the teller and collect your cash.

Check balance and limits

You can check available limits and current balance of your UBL Omni Account at any given time by using “Bal” SMS command. There is no confirmation call for this command.

Omni SMS Commands:

For SMS help:

Help
e.g.
Help
Help pay
Help paybill

Note: “command-name” is optional. Without it, you get a list of Omni’s SMS commands.

Buy prepaid cards:

Buy
e.g. Buy J600

Share & send money:

Pay //
e.g. Pay 50 03212609587 //Happy Birthday
OR
Pay 50 03212609587

Note: “message” sent to the receiver is optional. See second example.

View your current bill:

Viewbill
e.g. Viewbill PTCL 170514910003
OR
Viewbill SSGC 0001000178

Pay your utility bills:

Paybill
e.g. Paybill 1500 PTCL 170514910003
OR
Paybill 675 SSGC 0001000178

Load money from your UBL account (for UBL Account holders)*:

Load
e.g. Load 500

Unload money to your UBL account (for UBL Account holders)*:

Unload
e.g. Unload 500

Check balance and limits:

Bal 
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UBL Omni vs Telenor EasyPaisaa

UBL comes with up with a different from conventional banking service, Like Telenor EasyPaisaa but UBL Omni supported with all mobile networks service.

What is UBL Omni:
UBL Omni is branchless banking service by UBL, which means user does not have to go to UBL bank branch to avail banking services.

It does not mean that UBL Omni comes with limited service, all regular banking services are available for UBL Omni account holders like money withdraw, deposit, transfer, mobile cards and bill payments, electricity gas telephone bill payments, Web-portal access, SMS services, Wap services, UBL branch support, Visa card, ATM etc.

All above services of UBL Omni account holders are available, and everyone with CNIC, Mobile Phone (Number) can become UBL Omni account holder with Rs. 500 of cash deposit.

UBL Omni account holders can visit UBL Dukaan to avail their services.

What is UBL Dukaan:
UBL Dukaans are just like easypaisa outlets, and they offer following Services:

Account Opening
Cash Deposit
Cash Withdrawal
Utility Bill Payments*: Customers can visit UBL OMNI Dukaans to pay their utility bills.
Prepaid mobile Airtime purchase
Postpaid mobile bill payment
Domestic Remittance
*Bills of the following utility companies can be paid at OMNI Dukaans:

1. PTCL
2. SSGC
3. SNGPL
4. KESC
5. HESCO
6. FESCO
7. IESCO
8. QESCO
9. KWSB

(Remaining companies will be added shortly.)

Where you can find a UBL Dukaan?

Unfortunately, we dont have a list of UBL Dukaans, neither we have any figure about number of total UBL Dukaans in the country. With branch-less banking, number of outlets/UBL Dukaans is going to be crucial in terms of easy access for customers.

How to Open UBL Omni Account?

To get a UBL Omni account, visit any UBL Dukaan with your Mobile, CNIC and deposit money it.

You will receive confirmation SMS in real time with details of your account along with you will be given a copy of recipient.

Within one business day your account will be activated and upon account account activation you will receive another confirmation SMS from number 8257. Than you can start using your UBL Omni account.

Start using your UBL Omni account with UBL Wap, Web or SMS banking.

UBL Web portal https://www.ubl.com.pk/ebank
For SMS banking details visit https://www.ubl.com.pk/omni/ServicesSMS.aspx
Note: You must maintain minimum of Rs. 500 balance in your account, and 25Rs are monthly charges + services usage charges.

Omni customers can also get Omni Visa card with following additional charges

Like Telenor easypaisa servcie, non UBL Omni account holders can also send, receive money by visiting UBL Omni Dukaan

Money sending and receiving process for UBL Omni account holders is as following;

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

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
Fore more details of charges: https://www.ubl.com.pk/omni/charges.aspx thanks

UBL Omni Branchless Banking

UBL Omni is branchless banking service by UBL, which means user does not have to go to UBL bank branch to avail banking services.

It does not mean that UBL Omni comes with limited service, all regular banking services are available for UBL Omni account holders like money withdraw, deposit, transfer, mobile cards and bill payments, electricity gas telephone bill payments, Web-portal access, SMS services, Wap services, UBL branch support, Visa card, ATM etc.

All above services of UBL Omni account holders are available, and everyone with CNIC, Mobile Phone (Number) can become UBL Omni account holder with Rs. 500 of cash deposit.

UBL Omni account holders can visit UBL Dukaan to avail their services.

What is UBL Dukaan

UBL Dukaans are just like easypaisa outlets, and they offer following services:

• Account Opening
• Cash Deposit
• Cash Withdrawal
• Utility Bill Payments*: Customers can visit UBL OMNI Dukaans to pay their utility bills.
• Prepaid mobile Airtime purchase
• Postpaid mobile bill payment
• Domestic Remittance

Bills of the following utility companies can be paid at OMNI Dukaans:

PTCL, SSGC, SNGPL, KESC, HESCO, FESCO, IESCO, QESCO, KWSB

(Remaining companies will be added shortly.)

Where you can find a UBL Dukaan?

Unfortunately, we don’t have a list of UBL Dukaans, neither we have any figure about number of total UBL Dukaans in the country. With branch-less banking, number of outlets/UBL Dukaans is going to be crucial – in terms of easy access for customers.

How to Open UBL Omni Account?

To get a UBL Omni account, visit any UBL Dukaan with your Mobile, CNIC and deposit money – that’s it.

You will receive confirmation SMS in real time with details of your account – along with you will be given a copy of recipient.

Within one business day your account will be activated and upon account account activation you will receive another confirmation SMS from number 8257. Than you can start using your UBL Omni account.

Start using your UBL Omni account with UBL Wap, Web or SMS banking.

• UBL Web portal https://www.ubl.com.pk/ebank
• For SMS banking details visit https://www.ubl.com.pk/omni/ServicesSMS.aspx

Note: You must maintain minimum of Rs.500 balance in your account, and 25Rs are monthly charges + services usage charges.

Omni customers can also get Omni Visa card with following additional charges Like Telenor’s easypaisa servcie, non UBL Omni account holders can also send, receive money by visiting UBL Omni Dukaan

Money sending and receiving process for UBL Omni account holders is as following;

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 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

Fore more details of charges: https://www.ubl.com.pk/omni/charges.aspx

UBL Omni Dukaan: branchless banking at its best

April 19th, 2010: United Bank Limited (UBL) formally announced the launch of its unique and unmatched branchless banking service today, under the brand name of UBL Omni.

UBL Omni branchless banking now being made available at UBL Omni Dukaans across Pakistan 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 choosing, 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. A UBL Omni account can be opened with as small an amount as Rs.500/=.

A UBL Omni account holder will subsequently be able to deposit and withdraw cash, make utility bill payments, receive or remit money, purchase mobile card vouchers, make postpaid mobile bill payments and more at any UBL Omni Dukaan anywhere in the country as long as the Dukaan is open. 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.

Every UBL Omni transaction channel such as UBL Netbanking / WAP, SMS, Contact Centre or ATM is equipped with its own specific security features to ensure a secure and convenient customer experience every time.

This service is yet another first for the UBL that has the distinction of launching the first “mobile wallet” in South Asia called UBL Orion three years ago. Orion was a precursor of UBL Omni, which was followed by several other mobile banking products being launched in the country.

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

Backed by UBL’s strong heritage, UBL Omni is expected to not only benefit millions of customers who do not reside close to a bank branch or have been unable to open a bank account yet, but also contribute towards more orderly and secure financial transactions anywhere and everywhere.<<via>>