The UBL UK Ameen Islamic Current Account offers a convenient way to manage your everyday banking in a manner that fits with your faith. Benefit from a named Community Relationship Manager, with a Bank that shares your values.

The Ameen Islamic Current Account does not pay or charge interest (Riba) and is structured on the Islamic financial principle of Qard. In addition, we do not use the funds deposited in your Ameen Islamic Current Account in interest-based business activities. Instead we are committed to financing only Shari’ah-compliant products, meaning your beliefs won’t be compromised by your everyday financial needs.

The Shari’ah compliance of this product has been authorised by Mufti Barkatulla Adbul Kadir, former Senior Imam of North Finchley Mosque. Mufti Barkatulla is a Shari’ah judge at the Islamic Shari’ah Council.

Please Note: It is important that you do not go below a £0 balance as UBL UK do not offer an overdraft facility on this Account.

Good for

  • Managing your day to day spending in accordance with your faith
  • Withdrawing cash at ATM’s with your debit card (maximum £250 per day withdrawal limit)
  • Setting up and paying direct debits and standing orders for utility bills and service providers
  • Receiving your monthly salary

Not good if

  • You wish to earn profit on any balances


  • Unlimited deposits and withdrawals up to the maximum allowable balance
  • Shari'ah compliant, no interest is charged or received on this Account
  • Comes complete with debit card, cheque book and internet banking
  • Eligible for over 18’s only 
  • No Minimum Deposit
  • No Maximum Deposit
  • FSCS protected up to £85,000 for each eligible depositor
  • UBL UK does not offer overdraft facilities on Islamic Accounts
  • What services come with this Account?

    Mastercard Debit Card – make contactless payments up to £30, manage everyday spending and withdraw up to £250 per day wherever you see the Mastercard logo.

    Cheque Book – issue cheques using your UBL UK cheque book.

    Online Banking – manage your Account online using UBL UK NetBanking.

    SMS and Email Alerts – stay in control of your spending with our SMS and email transaction alerts.

    Safety Deposit Box – Ameen Islamic Current Account holders may apply for a Safety Deposit Box.

    International Transfers – send money to friends and loved ones in Pakistan using your Islamic Current Account.

  • Is UBL UK a member of the Current Account Switch Guarantee?

    UBL UK is not a member of the Current Account Switch Guarantee.

  • How do I open and manage my Account


    You must be;

    • Aged 18 or over
    • Have proof of identity

    Minimum/Maximum Balance:

    • There is no minimum balance
    • The maximum balance is £1,000,000

    How to open the Account:

    In order to apply for the Account, you will need to download the Islamic Banking Application Form, complete and then return it along with verified copies of your Photo ID and either a Bank Statement or Utility Bill with your home address dated within the last 3 months in the following ways:

    • In branch: Visit any of our branches Monday to Friday between 9:30am and 4pm
    • In writing: By post, sending instructions to: FREEPOST: RSSA-GJRS-KBCT, UBL UK Central Operations, 391-393 Stratford Rd, Birmingham B11 4JZ (all written instructions must be countersigned and dated by all named Account holders)

    You can contact our Customer Services Team on 0121 753 6000 Monday to Friday between 9:15am and 5:15pm for more information.

    Please make sure that you read the Personal Banking Specific Terms and Conditions and the Personal Banking General Terms and Conditions before you apply for this Account.

    More information about ID and Verification and how your deposits are protected can be found here FSCS.

  • Additional Information

    This account can be held in single or joint names.

How to apply

By post

By post

Freepost: RSSA-GJRS-KBCT, 
UBL UK Central Operations, 
391-393 Stratford Rd, 
Birmingham B11 4JZ

In branch

In branch

Pop into any UBL branch and our staff will be happy to help. In busier periods when staff may not be immediately available, we’ll be happy to book an appointment for a later date.