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1. What are the eligibility requirements for opening an account through Internet Financial Service?

Any Bangladeshi Citizen (18 years old or above) with a valid national ID (Old NID or Smart Card) can open a UNIaccount.

2. Can I open an account with Passport/Birth Registration?

No, a valid National ID is required to open UNIaccount. You may open an account with your Passport/Birth Registration through any of our branches. Please find branch details here - https://www.unitedfinance.com.bd/en/Home/ContactUs

3. Can I open an account in the name of my Organization?

No, only individual applicants with valid National IDs can open an account with Internet Financial Service.

4. Which types of accounts can I open from Internet Financial Services?

Currently any individual can open a “Shanchoy Plus Scheme” Deposit account with Internet Financial Service.

5. What shall be my monthly instalment for the deposit account open from Internet Financial Services?

You can any instalment amount from BDT 1,000 to BDT 25,000 for account opening from Internet Financial Service.

6. What is the applicable period or tenure for a deposit account opened through Internet Financial Service?

You can open a deposit account with a tenure ranging from 24 months to 120 months from Internet Financial Services.

7. Can I apply for a deposit account jointly with someone else?

No, currently only a single individual applicant can proceed with account opening with Internet Financial Service.

8. Which types of devices support Internet Financial Services web applications?

Any type of electronic device (i.e. Desktop, Laptop, Tablet and iOS/Android Phone) supports Internet Financial Service web application. You are required to use a browser (Mozilla Firefox, Google Chrome, Internet Edge, Opera, Safari etc.) to access the web application.

9. What are the required documents to open a deposit account from Internet Financial Services?

Required documents for opening a deposit account with Internet Financial Service are as follows:

Applicant’s valid National ID
A Single Nominee’s valid National ID
A Single Nominee’s Recent Photo
Applicant’s E-Tin Copy (To receive TDS benefit of 10% instead of 15%)
Supporting Document for Bank Information (MICR Cheque Copy or Statement with Client Information)

10. What are the steps to open a deposit account from Internet Financial Services?

Steps to open a deposit account from Internet Financial Services are as follows:

Login to Internet Financial Services using your valid Mobile Number/Unique User ID and credentials
Go to New Account Menu
Start a New Application
Select Branch & Product Details
Upload your NID Image (Front & Back Side)
Capture a Live Photo (For Face Verification)
Upload Your Signature (You can upload an image of your signature or capture an image using the default Camera)
Upload a single Nominee’s NID Image (Front & Back Side)
Upload the Nominee’s recent photo
Provide additional information for the deposit application
Review and Submit your application
Make Payment through our authorized payment gateway
Submit your application (After successful account opening, you will receive a confirmation on your registered mobile number and email address)

11. Can I save my progress on the deposit application and complete it later?

Yes, after Branch & Product Selection your application progress shall be automatically saved after submission of each step. You may proceed with your application from any step at your convenience.

12. Where can I find my pending deposit applications?

After logging in please go to the New Account menu or click on the New Account icon, you will be redirected to New Account Home Page where you will find all your pending applications.

13. After application submission how long will it take to open my deposit account?

Your account will be opened instantly after application submission. However, if any issue arises due to our system or network for which application submission fails, your account shall be opened within 3 working days of application.

14. How can I make payment for my deposit account in Internet Financial Service?

You can make the payment of the Initial Deposit Amount using our approved payment gateway provided by SSL Commerz.

15. How can I be sure that the payment is successful?

For successful payment you will get a payment receipt in Internet Financial Service. You may use this receipt shall any issue arise with your payment.

16. How can I be sure that my deposit account has been opened?

If your account opening is successful you will receive a notification SMS and Email at your registered mobile number and email address respectively.

17. How will I pay my monthly instalment for a deposit account opened through Internet Financial Service?

After successful account opening you will be prompted to provide Subsequent Instalment Payment information in Internet Financial Service. You may choose BEFTN or RTGS payment method and provide your account details with supporting documents and authorization to deduct monthly instalments from said account. You can also pay your monthly instalment for any deposit account you have with United Finance Limited from the Payment Service of Internet Financial Service.

18. Are there any charges associated with my transaction through Internet Financial Service?

As part of the promotional campaign for Online Deposit Accounts, currently there are no fees or charges associated with transactions through Internet Financial Service using an authorized payment gateway. United Finance reserves the right to impose at any time charges and/or fees to the transaction completed through Internet Financial Services without prior notice to the customer.

19. Can I encash my deposit account before maturity?

Yes. However, for premature encashment as per Bangladesh Bank regulation, you must complete three instalment payments before you proceed with encashment.

20. What is the process for encashment of my deposit account opened from Internet Financial Services?

For encashment you may place your request using any of the following methods

Call 16354
Email to q&a@unitedfinance.com.bd
Send your request to the preferred branch selected at the time of account opening.

During the encashment process, you may be asked to provide information to confirm and authorize the encashment request. United Finance Limited reserves the right to hold or cancel your request or ask you to provide additional information if any of the verification fails or any significant doubt arises about your encashment.

21. How long will it take to encash my deposit account?

After successful customer verification it may take 2-3 working days to receive your encashment.

22. Where can I view details regarding my accounts with United Finance Limited?

You may use the Balance Enquiry service to get the details regarding any of your deposit and retail loan account with United Finance Limited. To get account-related information your registered mobile number in Internet Financial Service must match with the registered number associated with your accounts.

23. Can I download my account statement from Internet Financial Service?

Yes, you can download your account statement for deposit and retail account from Balance Enquiry option of Internet Financial Services.