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.
Effortless.
Anything but conventional.
UBL Digital Account.
A current account built from scratch.
Powerful.
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
Valuable.
Industry best.
The best current account in Pakistan. Digital & Otherwise.
Delightful.
For your digital lifestyle
We know what you want.
So we partnered with your favourite apps.

UBL Digital Account/ Islamic Digital Account customer will be eligible for Careem & foodpanda vouchers once they have made their first digital transaction via App or Netbanking.

Avant Garde.
Experience tomorrow,
today.
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
address
Webcam for taking a Live Photo
Photo of your signature on a white paper

Apply with the latest version of web browser. We suggest to use Google Chrome for seamless account opening process.

Get started with your digital account
Apply with the latest version of web browser. We suggest to use Google Chrome for seamless account opening process.
If you experience any issues, please reach out to our dedicated helpline at care@ubl.com.pk.
This experience is designed for a desktop/laptop Web browser. It is not optimized for mobile web browsers right now.
1. Free Insurance/ Takaful Coverage may vary upon your average monthly balance, however you can avail:
  a- Free Insurance Coverage on Accidental Death or Permanent Disability of up to PKR 2,500,000/- on conventional account.
  b- Free Takaful Coverage on Accidental Death or Permanent Disability of upto PKR 1,500,000/- on Islamic account.
2. Valid for UBL Ameen Digital Account only.
3. UBL Digital Account/ Islamic Digital Account customer will be eligible for Careem & foodpanda vouchers once they have made their first digital transaction via App or Netbanking.
4. UBL Pay is available on Android mobile phones only, version 6.0 and above, with NFC capability. Valid for UBL Visa & Mastercard Debit Cards only.
Frequently Asked Questions
Apply for a new account