UBL current accounts review
Looking for a new current account? Find out what UBL has to offer.

UBL UK offers a range of banking products for its customers, including savings accounts, buy-to-let mortgages and current accounts.
To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.
Read the full methodologyThere is currently only 1 current account to choose from with UBL – the ACE Current Account.
This is a free, everyday bank account, as long as you stay in credit. The account does not offer an arranged overdraft. If you do go into an overdraft, you may be charged.
You can use your account to send money to friends and family in Pakistan and manage your account by Internet or mobile banking or in a branch.
To be eligible for an account, you must be aged 18 or over, and you must be able to provide proof of identity, such as a passport, and proof of address, such as a utility bill or bank statement.
As of June 2025, you can only open the account by completing an application form and returning it to a branch, or by sending it by post.
Yes, UBL is a trading name of United National Bank Limited which is regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). All eligible deposits of up to £85,000 per person are protected under the Financial Services Compensation Scheme in the event that the bank ever went bust.
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UBL’s current account is likely to appeal if you want to send money to friends or family in Pakistan and you’re after an everyday bank account with no minimum deposit requirements. Although there are no arranged overdraft facilities available, there are also no monthly maintenance fees and you can rest assured your money will be protected by the FSCS.
We carried out some research to see how many people are using AI tools for personal finance – and what exactly they are using it for.
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