United Bank Limited
United Bank Limited (UBL) is one of the largest banks in Pakistan, operating a network of over 1,900 branches and 1,750+ ATMs nationwide, along with a strong international and remittance presence. It offers conventional and Shariah-compliant (UBL Ameen) banking to personal, business and overseas customers. This page covers UBL's accounts, cards, financing, digital banking, helpline and contact details.
UBL Accounts and Deposits
UBL offers a wide range of current accounts (including Mukammal, Urooj for women, a Freelancer account and the simplified Asaan Account), savings accounts (such as Mahana Aamdani monthly-income and Zindagi) and fixed term deposits. Profit on savings and term deposits is paid at rates reviewed periodically, so confirm the current rate and minimum balance before opening.
Debit and Credit Cards
UBL issues debit cards across multiple networks — Visa (Classic, Premium, Infinite), Mastercard, UnionPay and domestic PayPak — and credit cards in Classic and Gold tiers, with rewards and instalment plans. Check the schedule of charges for annual fees and mark-up before applying.
UBL Loans and Financing
- Personal loan:UBL CashPlus (clean personal loan) and a UBL Secured Personal Loan against collateral.
- Car / auto finance:UBL Drive for new and used vehicles.
- Home finance:UBL Address for purchase, construction or renovation.
The approved amount, mark-up/profit rate, processing fee and tenure depend on your income, employment and credit history and are confirmed by the bank at application.
UBL Ameen Islamic Banking
Through its UBL Ameen division, the bank offers Riba-free, Shariah-compliant deposit accounts and Islamic auto and home finance, supervised by a Shariah board.
Digital Banking: UBL Digital App
UBL's mobile and internet banking is delivered through the UBL Digital App, which supports balance checks, fund transfers, bill payments and utilities, mobile top-ups, card management and digital account opening. UBL is also widely used for home remittances from overseas Pakistanis.
UBL Helpline and Head Office
UBL's 24/7 customer contact centre can be reached at 111-825-888 (general UAN 111-825-111). The bank's head office is in Karachi (I.I. Chundrigar Road), with its registered corporate office in Islamabad. Use the branch and ATM locator on the official website to find your nearest UBL branch or ATM.
Frequently Asked Questions
What is the UBL helpline number? The 24/7 contact centre is 111-825-888 (general UAN 111-825-111).
What is the UBL personal loan called? UBL CashPlus (clean personal loan), with a UBL Secured Personal Loan option against collateral.
What is the UBL mobile app? The UBL Digital App for mobile and internet banking.
Does UBL offer Islamic banking? Yes — through UBL Ameen, with Shariah-compliant accounts and financing.
What car and home loans does UBL offer? UBL Drive for auto finance and UBL Address for home finance.
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Profile Limits
The selected source set already supports the bank's legal identity, ownership structure, business segments, operating footprint, and 2024 financial scale. That is sufficient for a strong profile and removes the need for speculative detail about branch crowding, service queues, convenience claims, or loosely framed customer experience language.
This profile therefore stays with the bank's disclosed structure and reported numbers. It avoids carrying forward legacy narrative filler that was not grounded in the official source set used for this rewrite.
Legal Identity and Ownership
United Bank Limited, commonly referred to as UBL, is the legal name used in the bank's official materials. The selected official source set also supports a clear ownership anchor, with Bestway International Holdings Limited identified as the controlling shareholder through a 51.60% shareholding.
This ownership structure matters because it places the bank within a stable private-sector control framework while still preserving its broad public-market and systemic significance in Pakistan. For profile purposes, the key supported point is that the current controlling shareholding is explicitly disclosed rather than inferred.
Legal Identity and Ownership
United Bank Limited, commonly referred to as UBL, is the legal name used in the bank's official materials. The selected official source set also supports a clear ownership anchor, with Bestway International Holdings Limited identified as the controlling shareholder through a 51.60% shareholding.
This ownership structure matters because it places the bank within a stable private-sector control framework while still preserving its broad public-market and systemic significance in Pakistan. For profile purposes, the key supported point is that the current controlling shareholding is explicitly disclosed rather than inferred.
Services
Contact Information
13th Floor, UBL Building, Blue Area, Islamabad, Pakistan
021-990332960, 021-32400419