# UBL Digital - Safe Banking — user reviews > 559 indexed App Store user reviews of UBL Digital by UBL, rated 4.60/5 from 7,397 ratings. - Source: https://appshunter.io/ios/app/ubl-digital-safe-banking/id1203678041/reviews - App overview in markdown: https://appshunter.io/ios/app/ubl-digital-safe-banking/id1203678041.md - Rating breakdown: 5★ 6,117 · 4★ 608 · 3★ 232 · 2★ 115 · 1★ 325 ## 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 ## Newest reviews (16 of 559) ### 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. ### 4/5 — UBL app *2026-05-11, version 3.47.1* Good user friendly. ### 3/5 — KWSB *2026-04-21, version 3.47.1* Karachi water Bills or not showing on this App. Please check it out ### 3/5 — Needs to be native looking *2026-04-05, version 3.47.0* The app is not bad comparing to other bank apps in Pakistan but still not smooth and fast. I don’t know why banking apps have to develop their own design language instead of making it native looking. Custom coded animations will always feel janky comparing to native apps. Some improvements that can be done other than design overhaul that this app needs - Push notifications for Raast RTP Payments - Instant app notifications when money received/card spend etc - Remove the need to manually swipe up to login, it should start Face ID authentication directly when opening app ### 1/5 — Keyboard pop up issue *2026-03-31, version 3.47.0* Keyboard pops up while registering process makes it unable to register ### 2/5 — Cannot enter otp manually while logging in *2026-03-29, version 3.47.0* Atleast let me write in otp manually to login ### 3/5 — KWSB *2026-03-28, version 3.47.0* Karachi water Bills or not showing on this App. Please check it out ### 1/5 — 2 weeks of RDP account didn’t get any reply *2026-03-15, version 3.47.0* Very pooor service. I have applied 2 weeks ago for ubl Roshan digital account. It said we will reply in 2 days but two weeks gone. I didn’t get any reply from them ### 1/5 — Login OTP issue *2026-03-05, version 3.46.0* Can’t let me login to new device, I tried 4-5 times, I received the OTP, but when I tried to write on the app, it just can’t let me, something is wrong with the App. ### 1/5 — Registration is not working *2026-01-27, version 3.45.1* Not able to enter verification code while registering ### 3/5 — Not good for apple when i write otp its auto removing even 1 word *2026-01-18, version 3.45.0* Not good ### 1/5 — Please learn from Meezan App and Mcb’s. UBL is in stone age Era ,narrower mindset I think *2026-01-14, version 3.45.0* Why do i need to have the sim in the phone I want to use and download this app for. Why does this UBL app has to fetch otp? Why cant i add in manually like MCb, Meezan app. I am new to UBL and these stoneage features already make me hate it. Please work on this make this app user friendly. This OTP auto fetch has destroyed your proactiveness and image . Be progressive! ### 1/5 — Otp problem *2026-01-07, version 3.44.1* I am receiving an otp but its not automatically coming in app on iphone so i am unable to log in from iPhone 😭 ### 1/5 — Login to new device *2025-12-16, version 3.43.1* Im fed up with all this thing whenever i try to login my account to new device they require verification through app but its not working i wasted my 2 hour but still it failed. ### 1/5 — Very slow *2025-12-10, version 3.43.0* The app has become extremely slow. Even on 75 MBPS I struggle to use it. 90% of time it says the services are not accessible. ### 2/5 — OTP page Error *2025-12-10, version 3.43.0* There is a major issue with the OTP landing page on the app. I can’t type past 3 characters out of 6 when entering the OTP as it deletes everything written before ## Most critical reviews (10 lowest-rated) ### 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 ### 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. ### 1/5 — Plz test your app before prod *2026-04-04, version 3.47.0* I am unable to enter OTP while signup. Tried iPhone, Mac and iPad same issue on all three. Don’t know how they put the app on production without even testing g it. Such a waste of time and bad experience. ### 1/5 — Poorly designed for iPad with iOS26 *2026-04-01, version 3.47.0* Even login page isn’t properly accessible. Moreover, can’t enter CNIC number for biometric verification. ## Most praised reviews (10 highest-rated) ### 5/5 — Perfect banking *2026-01-29, version 3.45.1* Ubl bank is a perfect bank with great customer services I want to thanks to the official for this great serving platform. I will give 5 stars. ### 5/5 — Mr *2026-01-09, version 3.44.1* … ### 5/5 — Issue in App *2025-12-31, version 3.44.0* Otp on typing second or 3rd digit wipes the entire otp .. so mean while i am unable to login the app, please resolve it ### 5/5 — Registration issue *2025-12-20, version 3.43.1* I have tried to log in, but it is asking for a Pakistani mobile number in the personal details section, which I cannot access as I am currently abroad and can't get OTP to register with mobile number Please assist me with this issue. ### 5/5 — Easy to use *2025-11-21, version 3.42.0* Excellent App ### 5/5 — Good work *2025-09-30, version 3.41.2* Good banking ### 5/5 — The Best Banking App *2025-09-22, version 3.41.2* The Best Banking App ### 5/5 — Not signing *2025-09-02, version 3.41.0* The new update is not signing in because they said network problem and I have 5G network and Wi-Fi, but it’s not signing in ### 5/5 — Good *2025-07-08, version 3.38.2* Some time apacation make problem ### 5/5 — Updating the App *2025-06-11, version 3.37.2* I am unable to login to my app due to the update and when I tried to update it’s not even updating and I am so frustrated --- *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.*