UBL UK Reviews 

Tried to open a Cash Isa Account, hours later with no success thought, how much are you paying yourself per hour to do this. Gave up and took one out with Chip. Did it in 10 minutes and got a better rate.

Ahmed Brohi provided excellent service, and I am really happy with my experience. Thank you, Ahmed, for the great service. Highly recommended!

I sent them instructions for my maturing ISA. No reply or confirmation. Online chat doesn’t work. No way to send a secure message. Sent several emails with no reply.
Had to call. Usual long waiting time. Woman I spoke to extremely rude and abrupt. Not listening. Appalling service.

Opened an account 6 weeks ago and told to wait up to 48hrs for the account to be "reviewed". 6 weeks later and I'd not heard a thing. Finally got through on the phone and the operator was really rude. One to avoid I'd say. Having spoken to them, I now have to re start the process of picking another product as presumably they've closed the issue I had originally signed up for. No thanks!

The UBL UK website is incredibly outdated and difficult to navigate. I was asked to provide identity and proof-of-address documents, but there was no straightforward upload facility. Instead, I had to send the documents through their messaging system, which only allowed one attachment at a time.

The system was also extremely buggy. After sending one message, the attachment option would sometimes disappear completely, meaning I had to repeatedly try to send the documents. What should have been a simple process of uploading a passport, driving licence and tenancy agreement turned into a ridiculously frustrating experience.

The instructions are unclear, the interface is unintuitive, and the whole process feels like it belongs decades behind modern online banking.

I couldn't use my phone either as that required a username I didn't pick and couldn't access and my was a character limit in the box so my email didn't fit.

I sincerely hope the actual banking service is better than the website, because this has been one of the worst online banking experiences I've had.

My experience with UBL has been very disappointing and I would urge anyone considering a fixed-rate ISA to be particularly careful.
The maturity arrangements were confusing. What appeared to be one ISA balance could have different maturity dates because deposits were treated separately, and money was automatically rolled into another long fixed-term product. Getting the money transferred elsewhere could then result in an early-withdrawal charge.
I was also surprised that UBL was unable to provide me with a clear record of the interest payments made from my account over several years.
While these arrangements may be included somewhere in the terms and conditions, I found the overall process far from transparent or customer-friendly.
My advice: before opening a UBL fixed-rate ISA, make sure you understand the maturity date of every deposit, exactly what happens when each one matures, and what charges could apply if you want to move your money elsewhere. Keep your own records too.

I tried to open an ISA online, fraught with technical difficulties. Called to get help. Took a while to get through. Guy was very dismissive, gave me information that turned out to be incorrect. I tried again online, met with more difficulties. Had to call again, on hold for one hour and the next guy I got was pretty rude again and didn’t help me in the least. I have decided to invest my money elsewhere. Their customer service stinks and it takes an age to get through to them. No thank you. I dodged a bullet.

Bank manager is a thief. Stole £15,000

Customer service does not seem to matter much to this bank.
Competitive rates of interest but really need to take care of their customers!
There are other banks out there, you know!

Do not open an isa with these. I have been trying to transfer it away from them for 4 months. I have had 3 different banks try over this time. It doesn’t matter if you call them to ask why, they give you a reason so you change this and try again but no try can not transfer.

Just read all the previous comments regarding poor communication, delays on transfers, interest not paid, concerns of money going missing…. It’s true. I urge all customers reading this who have experienced problems contact their complaints department (formality / pointless), then report directly to the financial ombudsmen.

AVOID AVOID AVOID !!!



They were very helpful when I put my money into a 2 year fixed ISA. Then the problems began ! They would not pay the interest back into the ISA and would only pay it into the linked current account which meant that it lost its tax free status for 2 years.

Obviously I wanted to transfer all of my money out when the fixed period was up.

I gave ample notice of my wishes and my new provider made a Transfer Request, for the total amount in the ISA account, in plenty of time. I also sent several secure messages/emails to confirm this.

When the maturity date came and went I sent a secure message asking what they were doing, they then sent my new bank just over half of my funds claiming that was all that had been requested which was completely untrue.

When I queried what was going on, as I knew that all of my money had been requested, they said that time had run out and my money was now in a new 2 year ISA and I would have to pay a large penalty to transfer it out.

I then submitted a complaint to the complaints department. Be aware that they give themselves 35 working days to respond and in my case they took exactly 7 weeks before I got a decision.

After 13 weeks beyond the maturity date I finally got all of my money transferred to my new ISA provider.

This has been a very stressful 3 months and I would not recommend this foreign bank to anybody who wants a worry free life !!

Updating my review:
After I tried to transfer an existing ISA into an ISA with them, but making a mistake to do the transfer myself rather than bank initiated, I had a nightmare dealing with the consequences of that. I added the money to their ' funding account ' as per set up steps - however. This is only for new ISA money.

All in all, the bank tried everything for me to undo this error by which I lost the ISA wrapper.

I got phone calls from a manager with them. Fortunately I managed to sort it out with my normal bank.

Just be very careful when setting up an ISA with them and for old ISA money it has to be a bank initiated transfer.

I opened an account with yourselves to transfer an ISA to. The transfer did not happen. I have spoken with 2 of your employees today to try and address the issue. The first woman sounded as if she was working from home and making a cup of tea. Very poor overall experience with her. The second came across very agressive and when I explained that to her she said I was insulting her. I will not be moving my funds to you bank. The other bank involved in the transfer on the other hand was very helpful and supportive and are still looking into the matter and coming back to me. I will avoid working with your bank in future.

Tried to open ISA online by transfer from another provider. Spent all morning try to use their pathetic website. None of my details got logged so I have wasted my time. These people in my opinion are USELESS. I telephoned several times: long wait times and then got CUT OFF. Helpdesk staff worse than useless.

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 get the questions in the first one answered. The replies come quickly, but it feels like the staff are being marked on how quicky they reply and nothing else. I wouldn't use them again.

Opening ISA was easy. Trying to actually have communication from customer services appears impossible. A week has gone by and no reply to secure message which they said they aim to reply to within 24 hrs but then after you submit a message it then says within 3 days. Regardless, it's been more than that and no reply. Now sent an email and no again there will be no reply. Wouldn't use this bank at all. Certainly doesn't feel like your money is in safe hands

Muhammad sikandar

Account set up for isa was ok,app ok but it's taking ages to transfer out. When I called didn't feel it was secure as could hear another person in the back ground talking to someone else on the phone about their account and had to ask the person talking to me to repeat what they said as the other person was loud.

Please steer well clear of this outfit, I am still waiting over three weeks to transfer my money transfer to another provider, you cannot gat through on the phone line, they do not respond to secure messages sent through the portal and promised me my money over a week ago but still waiting. I am now going through the financial ombudsman to try and get my money! Please avoid.