# UBL Digital - Safe Banking — Bank securely with UBL Digital

> Secure mobile banking for managing accounts, transactions, and payments. (iPhone/iPad app by UBL.)

- Source: https://appshunter.io/ios/app/ubl-digital-safe-banking/id1203678041 (this page in markdown: same URL + `.md`)
- Developer: [UBL](https://appshunter.io/developer/703012650)
- Category: Finance, Utilities
- Price: Free
- Rating: 4.60/5 from 7,397 App Store ratings · 559 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 331 MB
- Languages: American English, Urdu
- Released: 2017-06-06
- Data updated: 2026-08-29
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/ubl-digital-safe-banking/id1203678041/reviews.md

## What is UBL Digital?

UBL Digital: Redefining Convenience and Security in Banking!
 
Manage your finances with ease using UBL Digital, the ultimate mobile banking solution. Perform secure transactions, pay bills, transfer funds, and access a host of banking services all from your smartphone. Whether you're at home, work, or on the go, UBL Digital ensures banking is always at your fingertips.
 
Opening a UBL Account is instant: 


Simply provide your CNIC and biometric verification, and get access to a bank account with a Debit card within minutes! No branch visits. No phone calls. Simply launch the UBL Digital App > Tap on ‘Open Smart Account’.
 
Stay in control & safer than ever: 


• Benefit from advanced security controls that protect you from fraud.
• Use biometric verification such as fingerprint and face scan to keep your money safe at all times.
• No need to write down your bank account details, just view and share via the UBL Digital App.
• Track all your transactions, check your account balance, and view/download your account statement anytime.
• Lock/unlock your card, order new cards/cheque books, and change your banking limits in seconds up to Rs. 10 million from within the app.
• Enable/disable NetBanking access via your app, to keep your account safe and private.
 
Hassle-free banking that’s fast & secure: 


• Quickly send & receive money via account details, CNIC, mobile number, or QR code. Funds transfer is that easy!
• With over 100+ global remittance partners, you can receive money online from anywhere in the world.
• Use the app to manage all your bill and fee payments ranging from utilities, to government, to education fees and more.
• Schedule payments for all your bills or fees in advance on the app. Set it and forget it! Bills get paid automatically, saving you time and stress.
• Pay multiple utility bills on the app with just one tap!
• Pay zakat quickly and easily on the app by selecting from our list of renowned charitable organizations.
• Find nearby UBL branches, offices and ATMs, and get alerts for new card discounts and promotions.
 
How to Get Started:
1.	Download the UBL Digital app. 
2.	Log in using your UBL account details or sign up as a new user.
3.	Start exploring the convenience of digital banking!
 
Download UBL Digital today and join millions simplifying their banking experience!
 
Follow us - @ubldigital all channels!
 
https://www.facebook.com/UBLUnitedBankLtd
https://www.instagram.com/ubldigital
https://twitter.com/ubldigital
https://www.linkedin.com/company/united-bank-limited

## Key features

- Secure transactions
- Bill payments
- Fund transfers
- Instant account opening
- Biometric verification
- Card management
- Transaction tracking

## What do users think of UBL Digital?

Overall sentiment: mixed

**Pros**

- 🚀 Impressive security features
- 👍 User-friendly sign-up process
- 🚀 Smooth and responsive app
- 👍 Reliable banking services
- 👍 Convenient digital banking

**Cons**

- 🐛 Recurring login issues
- 🐛 Buggy app updates
- 🐛 Inability to edit/delete payees
- 🐛 Inconsistent OTP functionality
- 🐛 Biometric verification problems
- 👎 Poor customer service

**Commonly reported bugs**

- App crashes on launch
- Payee list not loading
- Inability to change phone number
- Compatibility issues with new devices

**Most requested features**

- Ability to manually enter OTP
- Option to receive OTP via email
- Improved bill management features
- Seamless multi-account support
- Enhanced transaction history and search

## Recent user reviews (10 of 559)

All indexed reviews: https://appshunter.io/ios/app/ubl-digital-safe-banking/id1203678041/reviews.md

### 1/5 — PASSKEY ERROR

*2026-08-17, version 3.50.3*

Unable to make transactions without passkey. UNABLE TO MAKE PASSKEY BECAUSE OF ERROR. 

Multi billion dollar bank and you can’t even test things before you push updates

### 3/5 — NOT responding.

*2026-08-14, version 3.50.2*

I have updated to latest version of this app it was running smooy before update but since new update its gets hanged and no menue is displayed while pressing menu field.

### 1/5 — Impossible to signup

*2026-07-26, version 3.50.1*

The app’s OTP section is broken. I cannot enter the otp code to signup.

### 1/5 — Create Passkey is not working

*2026-07-25, version 3.50.1*

I have been using UBL app for a long time but the last app update is giving me problem while making payments online. It asks to create a Passkey which is NOT WORKING AT ALL. Due to which i am having issues in making payments even in my own accounts in other banks.

Kindly fix it or remove Passkey option or make it OPTIONAL for the end user.

Thanks

### 1/5 — terrible app get better developers

*2026-06-02, version 3.48.0*

This is the a terrible app. otp fields are broken I can’t get into my account at all because the fields  reset after 3rd or 4th number and nothing can be done with this app. Silly app definitely would never recommend this bank to anyone.

### 1/5 — Biometric verification

*2026-06-01, version 3.48.0*

I don’t know why we can’t perform biometrics verification on this app while I successfully did it on easypaisa app instantly. After a couple of attempts they restricted my account and asked me to visit the branch. Wth with your digital banking promotion if we still have to visit branch every time when we logged into the new device?

### 1/5 — No customer address, no stamp on UBL pdf bank statement.

*2026-05-29, version 3.48.0*

Previously, the customer's address was on the UBL account statement, but now it is not and All other banks also put their bank stamp on their online bank statements, why doesn't UBL do the same?
Perhaps because of UBL's lack of facilities to its customers, Amazon does not consider Pakistanis' UBL bank statements reliable. If you ask Google Gemini, he will never recommend UBL Bank to Pakistanis for Amazon.

### 1/5 — Horrible Digital Banking

*2026-05-15, version 3.47.1*

Knowing that a considerable amount of the population uses non-PTA phones, it is quite shocking to ask for OTP on the same mobile device. There could be thousands of other ways to enhance the security layer like other banks. Secondly, what's the point of giving login option on website when OTP gets delivered once its time limit is over or by chance if opt has been received on time then "OTP incorrect error" even on putting the correct code lol. Zero focus on user experience.

### 1/5 — Nightmare to get into

*2026-05-13, version 3.47.1*

Have tried to open a cash ISA but not easy online and I’m unable to use the same username and password for the app, so have been unable to open it. Also the website is poor. Will see if my money enters the account and if it doesn’t then I will use a different provider.

### 4/5 — UBL app

*2026-05-11, version 3.47.1*

Good user friendly.

## Frequently asked questions about UBL Digital

### What can I do with the UBL Digital app?

The app allows you to manage your finances securely, perform transactions, pay bills, transfer funds, and even open a new bank account instantly. You can also track your transactions, check your balance, and manage your cards and cheque books.

### How secure is the UBL Digital app?

The app offers advanced security controls, including biometric verification like fingerprint and face scan, to protect your money from fraud. You can also enable/disable NetBanking access for added privacy and safety.

### Is there a cost to use the UBL Digital app?

The UBL Digital app is free to download and use. There are no charges mentioned for its core banking functionalities.

### How can I open a UBL account using the app?

You can open a UBL account instantly by providing your CNIC and undergoing biometric verification directly within the app. This process eliminates the need for branch visits or phone calls.

### Can I use the app to receive money from abroad?

Yes, the app supports receiving money online from anywhere in the world through over 100+ global remittance partners. You can receive funds via account details, CNIC, mobile number, or QR code.

## Version history (last 5 releases)

### 3.51.0 — 2026-08-18

With this update:
1. Now you can cancel any cheque directly from the UBL Digital App, free of charge, by using the stop cheque feature in case a cheque goes missing or in the case of wrong details - in a few taps, at no charge, any time of day.
2. Now you can use the UBL Digital App right away after updating your CNIC expiry without a cooling off period.
3. Minor bug fixes and improvements.

### 3.50.3 — 2026-08-14

Minor bug fixes and improvements.

### 3.50.2 — 2026-08-13

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.

### 3.50.1 — 2026-07-24

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.

### 3.50.0 — 2026-07-21

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.

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## More apps by UBL

- [Ubl Omni Mobile Application](https://appshunter.io/ios/app/ubl-omni-mobile-application/id1141783788)
- [UBL Digital UAE](https://appshunter.io/ios/app/ubl-digital-uae/id1474048311)
- [UBL Digital Qatar](https://appshunter.io/ios/app/ubl-digital-qatar/id1525198858)

All apps by UBL: https://appshunter.io/developer/703012650

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*