Personal Loan

  • Higher loan amounts (Up to 20 multiples of salary)
  • Convenient repayment schedules (Up to 48 months loan tenor)
  • Competitive interest rates

Credit Card

  • Accepted at more than 30 million establishments and over one million ATMs
  • Available to all Salaried and Self-Employed UAE nationals and Expatriate residents
  • Comprehensive insurance cover

Mortgages – Baitna Home Loans

  • Financing of up to AED six million
  • Repayment period of up to 25 years
  • Salary transfer not mandatory

Home Remittances to Pakistan – UBL Tezraftaar

Free- of charge – fast, safe and reliable

  • All payments of value above USD 200/- will be free of charge.
  • All payments of value below USD 200/- will be subject to a charge of AED 10/- per transaction

Transfer to UBL or any other back account all across Pakistan

Receive cash over the counter at any UBL Branch in Pakistan

VISA Debit Card

  • Chip Enabled Card providing additional security
  • No annual fee
  • Accepted at over 23 million merchant establishment and more than one million ATMs worldwide
  • Withdraw funds from any bank ATM in the GCC or ATMs Worldwide accepting Visa Card

Multifunctional ATMs

  • 24 / 7 access
  • Withdraw and deposit cash
  • Utility Bill Payment
  • Remittances to Pakistan

Phone Banking

24 hour Contact Centre

UBL Phone Banking is available to assist with your queries. We can be reached on:

600-533-335 – From within the UAE
+971-600-533-335 - From outside the UAE

SMS Alert

Available for banking transactions


  • Secure and Secure Plus; choice of two Shari’a compliant Takaful Plans designed to protect the financial needs of your loved ones
  • Smart save a Shari’a compliant savings plan designed to help you invest and save money to meet your future financial needs

WIZ Payroll Card

Benefits to Employer
  • Fully compliant with the WPS initiative of UAE Ministry of Labour and UAE Central Bank
  • Automated salary payment with a convenient solution
  • More security for employees with a smart chip card
  • Payroll Card is accepted at over 1 million ATMs and 31 million Visa retail outlets
  • Dedicated Relationship Officer
Advantages to Employees
  • Freedom of accessing funds anywhere anytime
  • No minimum balance required
  • Free SMS transaction alerts

Fund Manager

‘Asaan Sarmayakari’ - Investment Solutions offering:-
  • Income Schemes
    - UBL Savings Income Fund (USIF)
    - UBL Islamic Savings Fund (UISF)
  • Pension Schemes
    - UBL Retirement Savings Fund (URSF)
    - UBL Islamic Retirement Savings Fund (UIRSF)
Investment Solutions
  • UBL Savings Income Fund (USIF)
  • UBL Islamic Savings Fund (USIF)
Pension Solutions
  • UBL Retirement Savings Fund (URSF)
  • UBL Islamic Retirement Savings Fund (UIRSF)