UBL UK Avis 

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.

My ISA matured on 7/4/26. I put in a request to transfer it to another provider 10 days before maturity. It finally arrived with my new ISA provider on 20/4/26. No interest is paid to cover the interim period. At maturity they auto enrol you in a new fixed ISA. So if it's not moved within the 14 day cooling after maturity you're subject to 90 days interest to leave.

Electronic messages chasing the transfer went unanswered, so I called them twice. After lengthy waits I spoke to their customer services team. On both occasions they blamed the receiving bank for the delays.

I asked the receiving bank for screenshots of the electronic transfer system used to moved ISAs showing the timeline of events and it confirmed that UBL hadn't accepted the transfer until 16/4/26, despite having assured me this was done on 30/3/26.

Dreadful bunch of crooks.
Please never trust this awful so-called Pakistani bank with your money.
My ISA was requested by my new provider on 31 March. Did not leave my account for another 18 days!
Repeated requests from me and my new provider ignored. Wait for hours on line to CS. When they finally answer they are rude and disinterested. Then put you on hold for another quarter of an hour with no apology.
They are making so much money out of these scams as they paid me NO INTEREST ALL THAT TIME. It is deliberate theft of my money.
Financial Ombudsman is the only way go now. Disgraceful.

Had to chase them multiple times to get them to pay out a cash ISA that had matured. On the last contact with them I noticed they had changed the maturity date to be another year in the future. I have a screenshot to prove this.
Fortunately I had a printed copy of the original instructions I had given them to pay out to a nominated bank account so they then had to process it.
In total the payout took them over a week to make when it should have been done within 48 working hours.
I would NEVER trust this bank with my money ever again and will ensure that I tell anyone I know to avoid them. I feel that they simply cannot be trusted.
I’m not sure if I should report them ignoring payment instructions and changing the ISA maturity date to the FCA because if I had not been chasing them, they might have locked my funds away for another year!

Really bad experience trying to withdraw money from ISA - they reinvest your money into another fixed account with no warning, and it's a nightmare to get money transferred to a new provider. Case it still ongoing and I'm going to have to reach out to the Ombudsman to resolve. I'd save the hassle and go elsewhere.

Great rates on ISA problems start when you want to get money back, or transfer to another provider.
No replies to transfer requests or emails or phones calls.
Be very careful choosing UBL!

My ISA came to maturity so I asked for it to be reinvested with interest paid monthly.
They reinvested it with interest only paid at maturity and locked the interest I already earned, blocking me from receiving it.
I want my interest earned (nearly £2,000) and their chat bot to deal with customer service is completely useless.

No maturity instructions sent for our cash ISAs and no response to secure messages sent.

Very poor customer service, agent was not sure at all where my ISA transfer had gone, took a lot of effort to get any sense from them and certainley very concerning as there was 20k on the line...

Very impressive customer service re maturity of my mother’s ISA.