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There is currently only 1 current account to choose from with UBL – the ACE Current Account.
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.
Benefits of opening an account with UBL
No monthly account fees. There are no monthly maintenance fees for the current account.
Facility to send money to Pakistan. Customers can easily send money to family and friends in Pakistan by using Internet or mobile banking or by going in to a branch.
Multiple ways to bank. You can manage your account via Internet banking, mobile banking or at a branch.
How to open an account
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.
Is UBL safe?
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 £120,000 per person are protected under the Financial Services Compensation Scheme in the event that the bank ever went bust.
Pros and cons of UBL
Pros
No monthly account fees
Multiple ways to bank
Facility to send money to Pakistan
FSCS protection
Cons
No arranged overdrafts
No interest paid on in-credit balances
UBL has a limited number of branches
Customer service information for UBL
Email support
Telephone support
In-app or live chat
Contact form
Branch support
Our verdict
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.
Frequently asked questions
Yes, the bank is a member of the Current Account Switch Guarantee.
Yes, you can open both individual or joint accounts with UBL.
With UBL UKNetRemit, you can send money to Pakistan using Internet or mobile banking 24/7 or by going in to a branch. You can register for the service online or via the app to send amounts up to £20,000.
UBL has branches in London, Birmingham and Manchester.
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Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time.
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