Banking doesn't have
to be painful.
So we redesigned it.
Welcome to a world of smart & effortless digital banking.
One account.Two preferences.
Smart. Shariah Compliant.
UBL Islamic Digital Account.
Pakistan’s first Islamic account that opens digitally.
Anything but conventional.
UBL Digital Account.
A current account built from scratch.
No limits.
No restrictions*
Full service, unrestricted bank account.
Not a wallet. Not a gimmick.
Digital account opening.
Biometric at ATM.
No minimum
balance required
24/7 banking with UBL Digital App & Netbanking
Industry best.
The best current account in Pakistan. Digital & Otherwise.
For your digital lifestyle
We know what you want.
So we partnered with your favourite apps.
Avant Garde.
Experience tomorrow,
New ways to pay.
Online. In Stores. At the beach.
  • Contactless Payments with your mobile in stores 4
  • Pay bills & fees to more than 800 billers via the App
  • Schedule your payments & transfers
  • Pay securely online with UBL Debit Card
  • Pay even more securely online with Virtual Wiz Cards 5
Who can open this account?
All Pakistani individuals, aged 18+.
Professional. Business Owner. Freelancer. Homemaker.
Student. Entrepreneur. Retiree. Everyone is welcome.
You will need:
Digital copy of your valid CNIC
Mobile Phone number registered with your CNIC
Working Email
Digital copy of your proof of income and/or funds
Webcam for taking a Live Photo
Photo of your signature on a white paper
Get started with your digital account
This account opening experience is a pilot project,
run under guidelines approved by the State Bank of Pakistan.

If you experience any issues, please reach out to our dedicated helpline at
This experience is designed for a desktop/laptop Web browser. It is not optimized for mobile web browsers right now.
* Transaction restrictions are applied to the account before Biometric Verification is done, and lifted right after. Details in T&Cs below.
1. Free Takaful Coverage of Accidental Death and Permanent Disability of up to PKR 1,500,000/-. Takaful Coverage may vary upon your average monthly balance.
2. Valid for UBL Ameen Digital Account only.
3. Valid for UBL Visa & Mastercard Debit Cards only.
4. Availble on Android mobile phones, version 6.0 and above, with NFC capability
5. Available for UBL Digital Account only.
Frequently Asked Questions
Apply for a new account