Terms and Conditions

For the purpose of these Terms and Condition, the word "Bank" shall refer to United Bank Limited, is successors-in-interest and assigns.

UBL Contact Center:

The customer acknowledges that the Phone banking services provided by the bank as its discretion, involves inherent risks, including but not limited to risk associated with frauds and unintended/erroneous instructions which the bank cannot eliminate. The customer understands and accepts any and all such risks associated with Phone banking.

The customer agrees that the bank may record the conversations its employees have with him/her. The bank may perform this activity to ensure accuracy of instructions and quality of services and to ensure that customer's instructions are followed as requested.

If customer needs any assistance or wants to communicate with the bank he/she can do so by following means:

  • Call us at UBL Contact Center 111-825-888 (UAN).
  • Send written request at Customer Services, UBL City Building, 1st Floor, I.I. chundrigar Road Karachi - Pakistan.
  • Fax us at Customer Services: (021)99217448.
  • Email us at customer.services@ubl.com.pk.

Telephonic Pin (T-PIN):

T-PIN is a customer selected 4-digit code (any random numbers) that authorizes customer to avail Contact Center services.

Customer can generate or re-set his/her T-pin through Contact Center.

  • The bank shall not be liable for any loss, damage or expense incurred by the Customer howsoever caused if the T-PIN is shared by the customer with any other person whether voluntarily or accidently.
  • The Customer shall be under an absolute duty to maintain the secrecy of the T-PIN and to notify the Bank immediately if the T-PIN is lost or may become known to any other person.
  • Upon receipt by the Bank of such notification the Bank shall be entitled to suspend and/or terminate Phone Banking Services and/or to cancel the T-PIN. The Customer may be required to set up a fresh T-PIN at the Bank's discretion.
  • The Customer shall be liable for all transactions effected until the T-PIN has actually been cancelled by the Bank.