UBL Digital - Safe Banking

Name: UBL Digital - Safe Banking
Rating: 4.6 (7401 reviews)
Author: UBL

by UBL

iPhone · iPad

Active Last checked 31 Jul 2026

App Store ↗

Quick verdict

What it is: Store information collected; independent summary not yet available.
At a glance: Free to download

Categories and search queries

Official categories

Finance
Utilities

AppCorpus categories

Key functions

Function	Availability	Access	Scope	Evidence
Free app	Yes	Free	—	Store published

Screens

App Store

19 store screenshots

Pricing & paywalls

App Store

Free

Last verified 31 Jul 2026

Ratings & reviews

App Store

4.6 7401 ratings · App Store

5/5APP CRASH
Honestly, this APP CRASHING issue has existed ever since they introduced the “Biometric Verification” feature in the app version (3.25.0). It’s been crashing on/off during the version updates from (3.25.0) and above. But it was resolved for a while in version (3.25.3) and now with the latest update which was released just like an hour or so ago with the version (3.26.0). It has started crashing again. I wonder what your development team is doing. I mean are they just not aware of these problems? And then when the issue does get resolved. It’s after months. Pls do something about this as this is ridiculous that you guys would take so much time to release an update and that too with so many issues. It’s clearly not acceptable. iOS version : 16.7.7 (latest) iPhone model : X UBL DIGITAL APP VERSION : 3.26.0

cmsalman · 31 Jul 2026
5/5Worst mobile banking application ever.
This is the worst mobile banking application ever. Ubl customer services have gone down the drain, the application keeps crashing, it asks you to reset password and gives the forget password error every time you log in. No matter how many times you reset it still won’t work. When you call on the customer services number they brush you off and tell you to email the concern and then when you email, they ask you to call on the number for their concern. It would be absolutely safe to say that this application is not safe to be used on your phone, since it crashes so much and forgets details, it can easily be hacked and the data can be misused. Please do not develop applications when you can clearly not handle or manage it. And improve your pathetic customer service. The phone operators are of ZERO HELP! This useless application does not even deserve ONE STAR, but I don’t have any other choice. Stay safe guys and refrain from using this application.

leena06 · 31 Jul 2026
4/5Good but one problem
It is a fantastic app. I can pay utility bills, transfer money to local bank accounts, etc. But there is one problem. In doing certain tasks such as adding a new payee, there is no option to enter the OTP manually. The app wants to automatically read the OTP directly from your SMS. This is impossible to do if my I am using the app on a different device such as tablet and my SIM is on another device. This is also impossible if I am outside the country and don’t have mobile network. There are various solutions to this such as authenticator apps like Authy which only requires a WiFi connection, or an option to receive your OTP via your registered email address.

am2384 · 31 Jul 2026
5/5UBL Digital App – A Smart Banking Companion.
The UBL Digital App is a reliable, user-friendly, and secure platform that brings modern banking to your fingertips. Whether it’s transferring funds, paying bills, recharging mobile credit, or managing multiple accounts, the app handles it all smoothly with an intuitive interface. Biometric login ensures enhanced security, and the app rarely experiences downtime, making it one of the most dependable digital banking solutions in Pakistan. UBL has truly embraced digital transformation, offering a seamless and efficient experience for customers who prefer convenience on the go.

@Saad Ali · 31 Jul 2026
5/5Problem solution
UBL United bank limited of Pakistan This united bank limited (UBL) app and whole ubl system is a big problem for me. In World bank apps when we need any update of personal information customer can update self. But but this ubl Pakistani app is unique app first request them for update then wait for reply of email then next any unexpected day and time will call as they say. But in my experience I didn’t receive any missed call from them for solution of update my information Even I called direct my phone number from usa to Pakistan they say live your message recorded one representative will call. Still waiting for call and solution but problem is same. So I recommend don’t use ubl services for saving of your hard earning Their system stuck your earned savings. Very very very bad system and service I hate their service

mohammad fayaz attari · 31 Jul 2026

Privacy & accessibility

App Store

Privacy

Data Linked to You — Analytics — Usage Data — Product Interaction Developer declared
Data Linked to You — App Functionality — Identifiers — Device ID Developer declared
Data Linked to You — App Functionality — Usage Data — Product Interaction Developer declared
Data Linked to You — Identifiers Developer declared
Data Linked to You — Usage Data Developer declared
Data Not Linked to You — App Functionality — Diagnostics — Crash Data Developer declared
Data Not Linked to You — App Functionality — Diagnostics — Performance Data Developer declared
Data Not Linked to You — App Functionality — Location — Precise Location Developer declared
Data Not Linked to You — Product Personalization — Location — Precise Location Developer declared
Data Not Linked to You — Diagnostics Developer declared
Data Not Linked to You — Location Developer declared

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Accessibility

No accessibility labels collected yet.

Versions

App Store

3.38.2
Minor bug fixes and improvements.
3.38.4
With this update: 1. RDA users can now activate their dormant account using UBL Digital App. 2. Minor bug fixes and improvements.
3.39.0
With this update: 1. Jazz Pre-paid users can now subscribe to Jazz packages directly from the UBL Digital App. 2. Our enhanced Cheque History lets you easily track all your cheques—deposited or in clearing—across every account, with instant updates on any returns or rejections. 3. Minor bug fixes and improvements.
3.40.0
What’s New in This Update: 1. You can now download Account Maintenance and Account Balance certificates directly from the app. 2. General bug fixes and performance enhancements for a smoother experience.
3.41.0
What’s New: With RAAST R2P Pay, Now pay merchants faster than ever! Merchants can now send you payment requests directly in the app. Simply review and pay instantly within the set time. Enjoy seamless, secure, and instant payments.
3.41.1
Minor bug fixes
3.41.2
Minor bug fixes and improvements.
3.41.3
Minor improvements.
3.41.4
With this update: We have optimized our payment process to give you a faster, uninterrupted experience, allowing you to transfer funds with ease.
3.42.0
With this update: 1. Say goodbye to cash hassles on motorways! Top up your M-Tag in seconds and experience seamless toll payments on the go. 2. Now you can top up your mobile using any credit card on the UBL Digital App. 3. Minor bug fixes and improvements.
3.43.0
With this update: 1. You can now pay your Bestway Cements bills directly through the UBL Digital App! 2. Open your IPS account directly from the UBL Digital App and start investing in Treasury Bills (T-Bills) and Pakistan Investment Bonds (PIB). 3. Minor bug fixes and performance enhancement.
3.43.1
With this update: 1. You can now pay your Bestway Cements bills directly through the UBL Digital App! 2. Open your IPS account directly from the UBL Digital App and start investing in Treasury Bills (T-Bills) and Pakistan Investment Bonds (PIB). 3. Minor bug fixes and performance enhancement.
3.44.0
Use voice commands in English & Urdu for funds transfer, bill payments, mobile top-ups, and account statements. Bug fixes and minor improvements.
3.44.1
With this update: 1. Users can use voice commands in English & Urdu for funds transfer, bill payments, mobile top-ups, and account statements. 2. Minor Bug fixes and minor improvements.
3.45.0
With this update: 1. Stay on top of your money! With Mini statement, you can view up to your last 10 transactions instantly and get a quick snapshot of your current position! 2. You can now view and subscribe to Ufone bundles directly from the UBL App
3.45.1
With this update: 1. Stay on top of your money! With Mini statement, you can view up to your last 10 transactions instantly and get a quick snapshot of your current position! 2. You can now view and subscribe to Ufone bundles directly from the UBL App
3.46.0
With this update: 1. You can now make corporate payments directly from UBL Digital. To get started, visit: Bills & Payments → Corporate Payments. 2. Minor bug fixes and improvements.
3.47.0
With this update: 1. You can now manage alerts for your branch transactions directly from the UBL Digital App. 2. ESFCA account holders can now transfer funds from their ESFCA account to their PKR account directly through the UBL Digital App. 3. Minor bug fixes and improvements.
3.47.1
Minor bug fixes and improvements.
3.48.0
With this update: 1. Forget OTPs! With passkey verification, adding bills is now quicker and more secure. Simply create a passkey and make sure you have Face ID, Fingerprint, Passcode or Pattern lock enabled on your device. 2. You can now update your CNIC Lifetime Expiry directly through the app, making profile updates faster and more convenient. 3. Opening a smart account is now safer with National E-KYC. Your information stays safe and up-to date with us! 4. Minor bug fixes and improvements.
3.48.1
With this update: 1. Higher transfer limits are here! You can now send up to PKR 50,000 per transaction and PKR 1,000,000 daily via P2P transfers. For added security, a 2-hour cooling period has been introduced to help keep your transactions secure. 2. Minor bug fixes and improvements.
3.49.0
With this update: 1. You can now pay your Jazz postpaid bill in full or make a partial payment directly in the app. 2. Minor bug fixes and improvements.
3.49.1
Security features and enhancements.
3.50.0
With this update: 1. Say goodbye to OTPs with our new Passkey verification, allowing seamless payments over 1Bill, Kuickpay, PayPro, and OneLoad. You can now also securely activate your Netbanking using Passkey for a faster, password-free experience. 2. Now you can temporarily block or unblock your account from UBL Digital App. 3. Now you can download your balance certificate on a previous date from UBL Digital App. 4. Minor bug fixes and improvements.
3.50.1 · 24 Jul 2026
With this update: 1. Enjoy faster and more secure authentication with biometrics across high-value payments, supported billers, and Internet Banking login. 2. Now you can temporarily block or unblock your account from UBL Digital App. 3. Now you can download your balance certificate on a previous date from UBL Digital App. 4. Minor bug fixes and improvements.

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Availability by market

Data quality & evidence

Page completeness: Live store listing
Last verified: 31 Jul 2026
Sources: App Store

Independent summary has not been published yet.

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      "reviews": [
        {
          "rating": 5,
          "title": "APP CRASH",
          "body": "Honestly, this APP CRASHING issue has existed ever since they introduced the “Biometric Verification” feature in the app version (3.25.0). It’s been crashing on/off during the version updates from (3.25.0) and above. But it was resolved for a while in version (3.25.3) and now with the latest update which was released just like an hour or so ago with the version (3.26.0). It has started crashing again. I wonder what your development team is doing. I mean are they just not aware of these problems? And then when the issue does get resolved. It’s after months. Pls do something about this as this is ridiculous that you guys would take so much time to release an update and that too with so many issues. It’s clearly not acceptable. iOS version : 16.7.7 (latest) iPhone model : X UBL DIGITAL APP VERSION : 3.26.0",
          "author": "cmsalman",
          "date": "31 Jul 2026"
        },
        {
          "rating": 5,
          "title": "Worst mobile banking application ever.",
          "body": "This is the worst mobile banking application ever. Ubl customer services have gone down the drain, the application keeps crashing, it asks you to reset password and gives the forget password error every time you log in. No matter how many times you reset it still won’t work. When you call on the customer services number they brush you off and tell you to email the concern and then when you email, they ask you to call on the number for their concern. It would be absolutely safe to say that this application is not safe to be used on your phone, since it crashes so much and forgets details, it can easily be hacked and the data can be misused. Please do not develop applications when you can clearly not handle or manage it. And improve your pathetic customer service. The phone operators are of ZERO HELP! This useless application does not even deserve ONE STAR, but I don’t have any other choice. Stay safe guys and refrain from using this application.",
          "author": "leena06",
          "date": "31 Jul 2026"
        },
        {
          "rating": 4,
          "title": "Good but one problem",
          "body": "It is a fantastic app. I can pay utility bills, transfer money to local bank accounts, etc. But there is one problem. In doing certain tasks such as adding a new payee, there is no option to enter the OTP manually. The app wants to automatically read the OTP directly from your SMS. This is impossible to do if my I am using the app on a different device such as tablet and my SIM is on another device. This is also impossible if I am outside the country and don’t have mobile network. There are various solutions to this such as authenticator apps like Authy which only requires a WiFi connection, or an option to receive your OTP via your registered email address.",
          "author": "am2384",
          "date": "31 Jul 2026"
        },
        {
          "rating": 5,
          "title": "UBL Digital App – A Smart Banking Companion.",
          "body": "The UBL Digital App is a reliable, user-friendly, and secure platform that brings modern banking to your fingertips. Whether it’s transferring funds, paying bills, recharging mobile credit, or managing multiple accounts, the app handles it all smoothly with an intuitive interface. Biometric login ensures enhanced security, and the app rarely experiences downtime, making it one of the most dependable digital banking solutions in Pakistan. UBL has truly embraced digital transformation, offering a seamless and efficient experience for customers who prefer convenience on the go.",
          "author": "@Saad Ali",
          "date": "31 Jul 2026"
        },
        {
          "rating": 5,
          "title": "Problem solution",
          "body": "UBL United bank limited of Pakistan This united bank limited (UBL) app and whole ubl system is a big problem for me. In World bank apps when we need any update of personal information customer can update self. But but this ubl Pakistani app is unique app first request them for update then wait for reply of email then next any unexpected day and time will call as they say. But in my experience I didn’t receive any missed call from them for solution of update my information Even I called direct my phone number from usa to Pakistan they say live your message recorded one representative will call. Still waiting for call and solution but problem is same. So I recommend don’t use ubl services for saving of your hard earning Their system stuck your earned savings. Very very very bad system and service I hate their service",
          "author": "mohammad fayaz attari",
          "date": "31 Jul 2026"
        }
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          "detail": "App Functionality — Diagnostics — Performance Data",
          "source": "Developer declared"
        },
        {
          "title": "Data Not Linked to You",
          "detail": "App Functionality — Location — Precise Location",
          "source": "Developer declared"
        },
        {
          "title": "Data Not Linked to You",
          "detail": "Product Personalization — Location — Precise Location",
          "source": "Developer declared"
        },
        {
          "title": "Data Not Linked to You",
          "detail": "Diagnostics",
          "source": "Developer declared"
        },
        {
          "title": "Data Not Linked to You",
          "detail": "Location",
          "source": "Developer declared"
        }
      ],
      "accessibility": []
    }
  ],
  "changes": [
    {
      "store": "apple",
      "version": "3.38.2",
      "released_at": null,
      "notes": "Minor bug fixes and improvements."
    },
    {
      "store": "apple",
      "version": "3.38.4",
      "released_at": null,
      "notes": "With this update: 1. RDA users can now activate their dormant account using UBL Digital App. 2. Minor bug fixes and improvements."
    },
    {
      "store": "apple",
      "version": "3.39.0",
      "released_at": null,
      "notes": "With this update: 1. Jazz Pre-paid users can now subscribe to Jazz packages directly from the UBL Digital App. 2. Our enhanced Cheque History lets you easily track all your cheques—deposited or in clearing—across every account, with instant updates on any returns or rejections. 3. Minor bug fixes and improvements."
    },
    {
      "store": "apple",
      "version": "3.40.0",
      "released_at": null,
      "notes": "What’s New in This Update: 1. You can now download Account Maintenance and Account Balance certificates directly from the app. 2. General bug fixes and performance enhancements for a smoother experience."
    },
    {
      "store": "apple",
      "version": "3.41.0",
      "released_at": null,
      "notes": "What’s New: With RAAST R2P Pay, Now pay merchants faster than ever! Merchants can now send you payment requests directly in the app. Simply review and pay instantly within the set time. Enjoy seamless, secure, and instant payments."
    },
    {
      "store": "apple",
      "version": "3.41.1",
      "released_at": null,
      "notes": "Minor bug fixes"
    },
    {
      "store": "apple",
      "version": "3.41.2",
      "released_at": null,
      "notes": "Minor bug fixes and improvements."
    },
    {
      "store": "apple",
      "version": "3.41.3",
      "released_at": null,
      "notes": "Minor improvements."
    },
    {
      "store": "apple",
      "version": "3.41.4",
      "released_at": null,
      "notes": "With this update: We have optimized our payment process to give you a faster, uninterrupted experience, allowing you to transfer funds with ease."
    },
    {
      "store": "apple",
      "version": "3.42.0",
      "released_at": null,
      "notes": "With this update: 1. Say goodbye to cash hassles on motorways! Top up your M-Tag in seconds and experience seamless toll payments on the go. 2. Now you can top up your mobile using any credit card on the UBL Digital App. 3. Minor bug fixes and improvements."
    },
    {
      "store": "apple",
      "version": "3.43.0",
      "released_at": null,
      "notes": "With this update: 1. You can now pay your Bestway Cements bills directly through the UBL Digital App! 2. Open your IPS account directly from the UBL Digital App and start investing in Treasury Bills (T-Bills) and Pakistan Investment Bonds (PIB). 3. Minor bug fixes and performance enhancement."
    },
    {
      "store": "apple",
      "version": "3.43.1",
      "released_at": null,
      "notes": "With this update: 1. You can now pay your Bestway Cements bills directly through the UBL Digital App! 2. Open your IPS account directly from the UBL Digital App and start investing in Treasury Bills (T-Bills) and Pakistan Investment Bonds (PIB). 3. Minor bug fixes and performance enhancement."
    },
    {
      "store": "apple",
      "version": "3.44.0",
      "released_at": null,
      "notes": "Use voice commands in English & Urdu for funds transfer, bill payments, mobile top-ups, and account statements. Bug fixes and minor improvements."
    },
    {
      "store": "apple",
      "version": "3.44.1",
      "released_at": null,
      "notes": "With this update: 1. Users can use voice commands in English & Urdu for funds transfer, bill payments, mobile top-ups, and account statements. 2. Minor Bug fixes and minor improvements."
    },
    {
      "store": "apple",
      "version": "3.45.0",
      "released_at": null,
      "notes": "With this update: 1. Stay on top of your money! With Mini statement, you can view up to your last 10 transactions instantly and get a quick snapshot of your current position! 2. You can now view and subscribe to Ufone bundles directly from the UBL App"
    },
    {
      "store": "apple",
      "version": "3.45.1",
      "released_at": null,
      "notes": "With this update: 1. Stay on top of your money! With Mini statement, you can view up to your last 10 transactions instantly and get a quick snapshot of your current position! 2. You can now view and subscribe to Ufone bundles directly from the UBL App"
    },
    {
      "store": "apple",
      "version": "3.46.0",
      "released_at": null,
      "notes": "With this update: 1. You can now make corporate payments directly from UBL Digital. To get started, visit: Bills & Payments → Corporate Payments. 2. Minor bug fixes and improvements."
    },
    {
      "store": "apple",
      "version": "3.47.0",
      "released_at": null,
      "notes": "With this update: 1. You can now manage alerts for your branch transactions directly from the UBL Digital App. 2. ESFCA account holders can now transfer funds from their ESFCA account to their PKR account directly through the UBL Digital App. 3. Minor bug fixes and improvements."
    },
    {
      "store": "apple",
      "version": "3.47.1",
      "released_at": null,
      "notes": "Minor bug fixes and improvements."
    },
    {
      "store": "apple",
      "version": "3.48.0",
      "released_at": null,
      "notes": "With this update: 1. Forget OTPs! With passkey verification, adding bills is now quicker and more secure. Simply create a passkey and make sure you have Face ID, Fingerprint, Passcode or Pattern lock enabled on your device. 2. You can now update your CNIC Lifetime Expiry directly through the app, making profile updates faster and more convenient. 3. Opening a smart account is now safer with National E-KYC. Your information stays safe and up-to date with us! 4. Minor bug fixes and improvements."
    }
  ],
  "alternatives": [],
  "evidence_summary": {
    "index_state": "S1",
    "evidence_level": 1,
    "level_label": "Live store listing",
    "indexable": true,
    "last_verified_at": "2026-07-31",
    "unknown_fields": [
      "Independent summary has not been published yet."
    ],
    "sources": [
      "App Store"
    ]
  },
  "availability_markets": {
    "live": [
      "us"
    ],
    "selected": "us",
    "note": null
  },
  "feature_events": {
    "events": []
  },
  "features_slice": {
    "plans": [
      {
        "code": "free",
        "label": "Free",
        "kind": "free",
        "status": "inferred",
        "prices": [],
        "trial": null
      }
    ],
    "features": [],
    "unknown_features": [],
    "data_cutoff": "31 Jul 2026"
  }
}