Enquiries through their Customer Service desk are painful, they seem to read the first line and then make their own mind up as to what you are asking. This results in having to send multiple emails to... See more
Company replied
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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 f... See more
Opening an ISA account was easy and straightforward and offered a good rate of interest. However from there on the online ISA account is a little cumbersome and doesn’t have much useful information ot... See more
Company replied
UBL offer attractive interest rates and a broad range of savings accounts - both ISA and non ISA. The process of opening an account via the website was reasonably easy and straightforward for an old f... See more
Company replied
Company details
Written by the company
UBL UK are a retail Bank operating in the UK with a Head office and Branch in London Mayfair. We are members of the Financial Services Compensation Scheme and provide a range of conventional products and services. UBL UK and United Bank UK are the trading names of United National Bank Limited. United National Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The company is registered in England & Wales and its Registered Office is at 2 Brook Street, London, W1S 1BQ. The company registration number is 4146820.
Contact info
2 Brook Street, W1S 1BQ, London, United Kingdom
- 0121 753 6000
- enquiries@ubluk.com
- www.ubluk.com
3.4
Average
920 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
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5 ***** Service…
UBL were very helpful when setting things up and just fabulous sorting a problem out for us asap after we contacted them through the chat message... Excellent service
23 May 2025
Reply from UBL UK
Dear Ann,
Thank you for leaving us a 5 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
I did my transaction online
I did my transaction online and it went very smoothly, many thanks.
28 March 2025
Reply from UBL UK
Dear Michael,
Thank you for leaving us a 5 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
Reply from UBL UK
Dear Mr. Johnson,
Thank you for leaving us a 4 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
A great ISA rate
A great ISA rate and transfer ins handled effeciently. What more could I expect.
16 May 2025
Reply from UBL UK
Dear Trevor,
Thank you for leaving us a 5 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
Communication
Communication from the bank could be vastly improved.
No email to confirm cash isa had been transferred.
16 April 2025
Reply from UBL UK
Dear Delia,
Thank you for taking the time to review us on Trustpilot.
We are sorry to hear that you were unhappy with the communication regarding the confirmation of your ISA transfer.
While we do not send email confirmations when an ISA transfer is completed, we would like to clarify that once the transfer is successful, the new ISA will appear on your main dashboard. Additionally, a Confirmation Statement is automatically generated. You can access this statement through our digital banking platform by logging into your account, selecting the relevant ISA, clicking the ellipsis (...), and choosing ‘Documents’.
If you require any further assistance, please do not hesitate to contact Complaints@ubluk.com.
Kind Regards,
Customer Engagement Team
UBL UK
Terrible communication on ISA transfer
Terrible communication on ISA transfer. Chat function on website and customer helpline both completely broken. Complained by email and did receive a call back a week or so later and £25 compensation.
1 May 2025
Reply from UBL UK
Dear Customer,
Thank you for taking the time to review us on Trustpilot.
We regret to hear about the issues you experienced with the ISA transfer and our communication channels. We appreciate that you had escalated this to our Complaints Department so we could investigate and respond.
While we are pleased to hear you received a call back and a gesture of compensation, we understand this does not undo the inconvenience caused. We would like to assure you that we have taken your feedback on board and are reviewing the functionality of our chat bot to ensure improvements are made and similar issues do not occur in the future.
Regards,
Customer Engagement Team
UBL UK
Easy website and good interest rate
1 May 2025
Reply from UBL UK
Dear Karin,
Thank you for leaving us a 5 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
Proved difficult to open an account as…
Proved difficult to open an account as I did not find the UBL website easy to use. Once I found what I needed, relatively straight forward. Did not find UBL flexible in their approach around guidelines for transferring in ISAs from another provider.
13 April 2025
Reply from UBL UK
Dear Jonathan,
We are sorry to hear that you found our website difficult to use. We would like to assure you that your feedback is important to us and we have raised your feedback to the relevant department as UBL UK are continuously looking for ways to develop.
Regards,
Customer Engagement Team
UBL UK
Very easy
Was looking for a fixed rate ISA, UBL was recommended on the Martin Lewis page ‘Money saving expert’ as having a better interest rate than the bank I was originally going to go with. Setting it it all up was very easy.
24 April 2025
Reply from UBL UK
Dear Customer,
Thank you for leaving us a 5 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
Poor communication
Poor communication. Sent messages asking some questions as long wait time on telephone on several times but never got a reply!!
When I did get through to an advisor they were curt and had poor knowledge so needed to get advice presumably from a senior colleague. Left waiting further whilst they went to find someone.
7 April 2025
Reply from UBL UK
Dear Sarah,
Thank you for taking time to review us on Trustpilot.
We are sorry to hear that you were dissatisfied with the level of service provided by the Bank. We truly regret that this was your experience and would like to assure you that we have taken your feedback on board.
Kind Regards,
Customer Engagement Team
UBL UK
Helpful and efficient service.
11 April 2025
Reply from UBL UK
Dear Mr. Williams,
Thank you for leaving us a 5 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
Poor customer service
Very poor online experience including one of the worst banking apps currently available (see App Store for more damming reviews) Failure of the bank to respond to written queries within the stated time and then failed to answer the question. Details and explanation of the setting up of an ISA and transferring an existing one were non-existent. Overall a very disappointing performance - Overall the experience made me feel that the competency and credibility of the bank is questionable - would suggest investing elsewhere.
4 April 2025
Reply from UBL UK
Dear Jonathan,
Thank you for taking time to review us on Trustpilot.
We are sorry to hear that you were dissatisfied with the level of service provided by the Bank. We truly regret that this was your experience and would like to assure you that we have taken your feedback on board.
Kind Regards,
Customer Engagement Team
UBL UK
Easy fund transfer set up
Easy fund transfer set up. Competitive, 3 year fixed rate ISA paying monthly interest. Very few financial providers offer this!
21 April 2025
Reply from UBL UK
Dear Customer,
Thank you for leaving us a 5 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
Rude assistant
When I phoned to check how to apply ( there was an issue with the website) the assistant was very rude and he put the phone down on me.
14 April 2025
Reply from UBL UK
Dear Sue,
We are sorry to hear about the level of service you received from the Bank and the difficulties you had experienced with our website. We would like the opportunity to investigate this matter and we kindly request for you to forward your details to complaints@ubluk.com.
Regards,
Customer Engagement Team
UBL UK
Reply from UBL UK
Dear Mr. Williams,
Thank you for leaving us a 4 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
Competitive interest rate
Competitive interest rate. Fairly easy to operate the account, although navigating the website could more intuitive.
17 May 2025
Reply from UBL UK
Dear Customer,
Thank you for leaving us a 4 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
New improved website.
Been with UBL but recently they have improved their website so much easier to use than the last one so gets my vote.
10 April 2025
Reply from UBL UK
Dear Paul,
Thank you for leaving us a 4 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
Reply from UBL UK
Dear Jeffrey,
Thank you for leaving us a 4 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
Complete lack of communication.
Complete lack of communication after I opened the account. Once I had transferred funds there was no acknowledgement in writing by post or by email. I had to log into my account to see if the money was there. I tried online and via email to ask if I could add funds from another Isa and got no reply. Tried several times on the telephone and when I got through I was told to open a second account. By this time your interest rate had fallen and you were no longer the best option! In summary no or very poor service after opening account on line. I shall not use your bank again.
8 April 2025
Reply from UBL UK
Dear Derek,
We are sorry to hear about the lack of communication from the Bank. We would like to advise that a Welcome Email is automatically issued out once the account has been opened. This email contains important information such as your account number and next steps. We would like the opportunity to investigate why you did not receive this email and we kindly request for you to forward your details to complaints@ubluk.com, so we can look this further.
We understand your frustration with the lack of response to your email. By a way of explanation, we are currently receiving a high volume of calls and email which meant our response time was slightly longer than expected. We would like to apologise for any inconvenience caused.
Regards,
Customer Engagement Team
UBL UK
Top interest rate at that moment in time.
They were giving the best interest rate at the time I wanted to invest. I followed the rate. Nothing else maters for me really.
17 May 2025
Reply from UBL UK
Dear Aidan,
Thank you for leaving us a 5 star review! We are happy to hear that you are pleased with our service.
Regards,
Customer Engagement Team
UBL UK
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