Upayment -Ufone's mobile banking with HBL

So a good news for all Ufone customers, you can now pay all your bills through Ufone's Upaymet service... Sounds exciting... Isn't it? So... What's the catch... Rs. 5+ tax (from your Ufone airtime) will be deducted on all Utility Bills payment via Ufone's Upayments which is quite nominal considering the bill payment issues (queues) we have in Pakistan. In order to avail this service..
1) You must be a Ufone customer
2) You have an HBL account
3) Subscribe to Ufone's Upayment by dialing *808#

with this service active you can....
1) Check your HBL account balance as well as a "mini account statement"
2) Pay your utility bills directly from your cell phone even without GPRS (no handset limitations)
3) Buy Ufone airtime for your prepaid account (Uload for any ufone number)
4) Pay Ufone Postpay Bills
5) Avail this service from anywhere around the world with Ufone's International roaming

Great service if it works the way it is promoted.