UBL UK Reviews 

On the 10/3/26 I rang UBL asking for advice about transferring an ISA into my fixed rate ISA account... The woman I spoke to told me to go on line and open a new product???. No help no guidence, I said "I was hoping you could give me some information" to which she replied "I am giving you information... Go on the website online"!!!
I've never ever had such terrible customer service.
I'm now seriously worried that I am transferring an ISA into this bank and I wish I hadn't... The website is one of the worst banking ones I've seen, confusing, no easy obvious help or info!! There is nothing positive to say and now I'm completely worried about my money I'm investing with them... My advice to anyone would be Don't start with this bank!! Go somewhere with good customer service and help...I've now got 2 years worrying and wishing I hadn't tied up my money with them!! Confidence is the most important thing when investing your money and I have none... Only doubt and worry 🫣

Website not easy to use - info on account not clear enough
Via secure messages - said they had sent e-mails that I didn’t receive about ISA maturing (not in junk folder) - they then signed me up for another ISA as I hadn’t responded!
I called for further info and got a very grumpy person on the ‘phone - (I always treat people I phone with respect!)

UBL is the worst bank on earth and they are scammers. I have been saving money with this bank for months and they blocked my £14,000 and when I called them, they couldn't give me any concrete answer. I have messaged them and also Called them but to no avail. I have raised it with the complaint team but haven't received any form of concern from them rather than the acknowledgement email. I will take this further with the authorities and they will pay for the damages caused. I couldn't afford Christmas and also my daughters birthday because of this situation.

Rukhsana, is an person with great service and brilliant response to any query. I really appreciate all their effort and support. Thank you to all the staff.

Not that straightforward to open a fixed ISA account with a transfer in from elsewhere. Should try to improve on their rather clunky website and clarity of written instructions and explanations. However, UBL do offer VERY competitive savings interest rates so all is forgiven!

Customer service was excellent but the website was a little clunky to say the least.

Khalid worked after his allocated finishing time to assist as there was a rate change the following day.

First experiences (Apple Ipad) -oops and error became a constant thing over about 20 different sessions. Took about 15 to get to the stage of having 1 ISA set up. Using private, non private and non Apple laptop.So the problems are generic of circular confirmations, oops error messages and drop outs. How i got the set up done? Miracle of patience and perseverance. The issue as in this horror cycle I had my half baked original attempt still pending ( older ISAs transfers and current year attempt) so I tried a part current year ISA set up . That worked. But by that time I wasn't certain which varient had been accepted - couldn't get to details. Kindly customer service did transfer a larger amount to (my original intended 2526 amount) but said couldn't add transfers. Suggested clear browsing history before setting up another. It didn't help! 4hrs later I have given up. So yep lost significant investment. I tried UBL and UBL mobile banking apps and they both did the confirm email and code loops. Loosing / lost business guys! On that now working setup when i did get past the confirm cycle it transferred to an unsecured digit banking link for the setup. A day later after a lot of phaffing i managed to get in the part set up and EVENTUALLY finished. Not good !! Why did I persever because it was the best rate. But lacking in confidence of site and apps fitness for purpose given up. Ps I am a retired programmer, analyst , project manager and external auditor. Only not a totally negative review because of customer support (but no tech support offered).

Terrible customer support. They waste the client’s time and provide no real help. I was transferred multiple times, kept waiting, and my issue was never resolved. This level of service is unacceptable for a bank. Extremely disappointed.

Very difficult company to contact as phones take an age to answer and the suggested method in which to send a secure message on their website simply does not exist! The personal account page on their site is confusing and difficult to navigate. Their website needs a complete revamp and they need to get theior call centre sorted out. I will be closing my account at UBL and going elsewhere.

I have just tried to open a fixed term deposit on my laptop as I do not like using my mobile phone.
The website states" The fastest way to apply for UBL UK Fixed Term Deposits is using your computer or mobile device with our fully digital application process, simply visit digitalbanking.ubluk.com " Yet every time I tried to visit the site it sent me straight back to the dashboard page. They obviously want me to use the mobile app, which I wont be doing. I will just put my money elsewhere

ISA application process over complicated. Asked for more info than other providers. Then would not pay monthly interest into ISA account only into nominated account. Disappointing.

Not the easiest of accounts to set up but other than that it was good

I have the majority of my investments with UBL. The interest rates are always competitive and any issues have always been quickly and effectively handled using secure messaging.
I look forward to continuing to use them

My request for assistance and information was handled with great care and attention to detail by Sagheer Ali Niaz. He helped me resolve various issues over numerous contacts and he was professional, polite and knowledgeable throughout each interaction. He has exemplary customer service skills and is an assestt to UBL who he represents well. I wholly appreciate his valued apporach and support.

Thank you Sagheer Ali Niaz, you did your organisation proud, and you helped me extremely well. I appreciate your kind and helpful manner and thank you greatly for all that you did. Many thanks.

I am opening account in UBL UK, Services is good butt process is very late, i suggestion please improve your CSR Team communication and increase your process speed. Butt everything is ok Butt not Good.

Trying to get monies released from my late mothers account. There is a lot of money held with UBL Bank and they are simply not giving me information in plain English enabling me to access funds. On the point of making a formal complaint and referring the matter to the ombudsman.

I have a 2 cash ISA's with UBL after recently opening another for this year but regretting this decision. The ISA's have different interest rates but are grouped together as one on the app. I can only view one statement from the first ISA from 2024. Nothing else is on the app. The app is poorly designed. It's unclear how I can go about transferring my money. I've emailed them and got no reply. I have phoned them 3 times and still waiting for answers to my various concerns.

The most difficult aspect of my experience with UBL is the time that it took to check my ID. UBL requested additional evidence and then took about 10 days to process it and open the account. It was a fixed term ISA account that I attempted to open right at the beginning of April so I was worried that the interest rate would reduce before I received confirmation of the account opening. Cutting a long story short, the delay did cause some problems but once I had someone at UBL who engaged with me and understood the problem, it was sorted out to my satisfaction. I was encouraged after a bit of a questionable start.

Easy to open an online account and good interest rates.

Straight-forward and easy to set up a new a/c - so refreshing for a change :)