Banking doesn't have
to be painful.
So we redesigned it.
Welcome to a world of smart & effortless digital banking.
One account.Two preferences.
Smart. Shariah Compliant.
UBL Islamic Digital Account.
Pakistan’s first Islamic account that opens digitally.
Anything but conventional.
UBL Digital Account.
A current account built from scratch.
No limits.
No restrictions*
Full service, unrestricted bank account.
Not a wallet. Not a gimmick.
Digital account opening.
Biometric at ATM.
No minimum
balance required
24/7 banking with UBL Digital App & Netbanking
Industry best.
The best current account in Pakistan. Digital & Otherwise.
For your digital lifestyle
We know what you want.
So we partnered with your favourite apps.
Avant Garde.
Experience tomorrow,
New ways to pay.
Online. In Stores. At the beach.
  • Contactless Payments with your mobile in stores 4
  • Pay bills & fees to more than 800 billers via the App
  • Schedule your payments & transfers
  • Pay securely online with UBL Debit Card
  • Pay even more securely online with Virtual Wiz Cards 5
Who can open this account?
All Pakistani individuals, aged 18+.
Professional. Business Owner. Freelancer. Homemaker.
Student. Entrepreneur. Retiree. Everyone is welcome.
You will need:
Digital copy of your valid CNIC
Mobile Phone number registered with your CNIC
Working Email
Digital copy of your proof of income and/or funds
Webcam for taking a Live Photo
Photo of your signature on a white paper
Get started with your digital account
If you experience any issues, please reach out to our dedicated helpline at
This experience is designed for a desktop/laptop Web browser. It is not optimized for mobile web browsers right now.
Apply with the latest version of web browser. We suggest to use Google Chrome for seamless account opening process.
* Transaction restrictions are applied to the account before Biometric Verification is done, and lifted right after. Details in T&Cs below.
1. Free Takaful Coverage of Accidental Death and Permanent Disability of up to PKR 1,500,000/-. Takaful Coverage may vary upon your average monthly balance.
2. Valid for UBL Ameen Digital Account only.
3. Valid for UBL Visa & Mastercard Debit Cards only.
4. Availble on Android mobile phones, version 6.0 and above, with NFC capability
5. Available for UBL Digital Account only.
Frequently Asked Questions
Apply for a new account