Our Information

Information about us:-

Registered Office: 2 Brook Street, London W1S 1BQ

Registration No. 4146820. Registered in England

United National Bank Limited (UBL UK) is a UK registered and capitalised bank and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under Registration No. 207381.

UBL UK is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000

Telephone calls to UBL UK may be recorded and/or monitored for security, training and customer service purposes.

Privacy Statement

The following provides detail about UBL UK‘s Privacy Policy. We are committed to protecting your personal information from unauthorised access, use and disclosure. We use the personal information that we collect from you to process requests or orders, identify personal preferences and match your needs with relevant products and services.

Terms and Conditions

Full terms and conditions for the use of particular products and services are available as part of the service brochure. Not all the services you can view through the website are available outside the UK. UBL UK reserves the right to make the final determination on whether you are eligible for any particular product or service. The contents of this site should in no way be taken as an offer to sell any of UBL UK’s products and services.

Personal Banking Terms and Conditions

Business Banking Terms and Conditions


You signify your consent to us collecting and using information by your use of this website. Should we elect for any reason to change our Policy, we will notify you of such changes here, so that you are always kept informed of how we collect and use information, and when we may disclose it.

Your personal information may be used by us and our associated companies to inform you about changes to our website, new services and offers that may be of interest to you. If you do not wish to receive this information, please telephone Customer Feedback and Complaints.

We welcome your questions and comments. Should you have such comments or have a complaint about how we are using your personal data, please telephone 0121 753 6000

Alteration of Personal Details

If you wish to tell us of changes to your personal details or to amend details we hold about you, you should telephone and write to the branch where your account is held or call customer services at 0121 753 6000.

Collection and Distribution of Information

  • At certain points during your visit to our website, we may ask you to enter your personal details such as your name, home address or email address. You may also be asked whether you consent to the use of the data and for what purposes. We will not use your data except for the purposes described when you disclose it, or if you otherwise consent and, where applicable, in accordance with our Terms and Conditions that apply to the product or service you require.
  • We will collect information about your tastes and preferences both when you tell us what these are and by analysis of customer traffic, including by using cookies and IP addresses (see below).
  • We use information collected about you to personalise your visits to our website and recommend goods or services to you. We also use the information to help us develop the design and layout of our website to ensure that our site is as useful and enjoyable as possible.

Disclosure of Information

We may, at our discretion, choose to exchange or license your personal information to trustworthy third parties. You may instruct us not to do this by telephoning 0121 753 6000. In addition, UBL UK and its affiliated companies may provide aggregate statistics or anonymous data about customers, traffic patterns and other site information to third parties, but these statistics will not include any information that could personally identify you.

UBL UK and its affiliated companies reserve the right to access and disclose individually identifiable information to comply with applicable laws and lawful government requests, to operate its systems properly or to protect itself or its users.

Security of Information

We have strict security procedures covering the storage and disclosure of your information in order to prevent unauthorised access to comply with the UK Data Protection Act of 2018. This means that sometimes we may ask for proof of identity before we disclose personal information to you. When we seek particularly sensitive information from you we will be using secure layer encryption. This makes interception by someone else of the information you give to us more difficult.


A cookie is a piece of information that is deposited by our computer server when you visit our website, which is stored on your computer’s hard drive by your web browser. On revisiting this website, our computer server will recognise the cookies, giving us information about your last visit. Most browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. [If you choose not to receive cookies, you may still use most of the features of our website, but our computer server will not necessarily recognise you, and your experience will not be personalised.] This may mean you need to re-enter certain details if you have already done so before.

Cookies Policy

Use of IP addresses

Every time you connect to our website we store web server logs which show your IP address (the unique number which your machine uses when it is connected to the Internet); what you looked at; whether the page request was successful or not and which browser you used to view the pages.

The use of this data is strictly for statistical purposes only. This helps us understand which areas of the site are of particular interest and also which pages are being requested. It also tells us how many hits and page requests we get.


Details of Financial Ombudsman Service:

The Financial Ombudsman Service
Exchange Tower
London E14 9SR

Website: www.financial-ombudsman.org.uk  

Phone: 0800 023 4567


Tax Strategy Statement

For the financial year ended 31 December 2022, this statement is intended to satisfy the statutory requirement arising on United National Bank Limited (“UBL UK” or the “Bank”) to publish its tax strategy per Paragraph 19(2) of Schedule 19 of the Finance Act 2016.

The tax principles set forth herein are integral to and have been framed in light of our obligations as a signatory to the HMRC’s Code of Practice on Taxation of Banks. These principles guide how we manage our tax affairs, for ourselves, our staff, suppliers, market counterparts and on behalf of our clients.

Our taxation approach is in keeping with our values, having regard to building long-term shareholder value and maintaining our reputation as a responsible taxpayer.

Tax Risk Management and Governance

We exercise professional diligence and care in the management of all risks associated with tax matters and ensure that governance and assurance procedures are appropriate.

The following set out how UBL UK attends to its tax affairs and associated risks:

1. UBL UK’s Board of Directors is ultimately accountable for the tax principles and its governance is exercised through the Board Audit Committee.

2. The Head of Finance is responsible for the implementation of the tax strategy and management of tax and related risks. The Head of Finance updates the Board Audit Committee at least on a semi-annual basis on UBL UK’s tax position and other tax developments during the period.

3. The Bank takes a holistic approach to managing our business through the continual updating and formulation of tax procedures and processes that ensure that we do not deal with suppliers or customers that to the best of our knowledge engage in tax evasion. This includes deployment of compliance and risk monitoring systems and periodic reviews of tax compliance across the Bank.

4. UBL UK has zero tolerance towards the facilitation of tax evasion by its associated parties.

Tax Planning

The Bank seeks to comply with the spirit as well as the letter of the tax laws and to fully discharge our tax obligations. We do not engage in tax planning other than that which supports our genuine commercial activities.

Tax Risk Appetite

We ensure that the tax risk appetite remains low and that any inherent tax risks are mitigated expeditiously.

UBL UK has zero appetite for breaching tax laws. We do not undertake, nor facilitate, transactions, which are designed to achieve tax results that are contrary to the intention of tax legislation. We are committed to combatting financial crime including money laundering arising from tax evasion.

Approach Towards Dealings with HMRC

We are open and transparent in our dealings with HMRC and other tax authorities. All such dealings are conducted in a collaborative, courteous and timely manner. We abide by HMRC’s Code of Practice on Taxation of Banks. Accordingly, we are committed to:

1. Adopting adequate tax governance;

2. Refraining from any tax planning which is contrary to the intentions of Parliament;

3. Fully complying with all our tax obligations; and

4. Responding to HMRC in timely manner to any enquiries and disclosure of any instances of non-compliance that may become known.

UBL UK’s Board of Directors approved this Tax Strategy statement on 26 May 2023.