Fast, Secure and Convenient Money Transfers to Pakistan

With UBL UK NetRemit, you can send money to Pakistan to friends and family using internet or mobile banking 24/7, or through one of our local Branches. You can register for the service online at by clicking 'Register and following the onscreen instructions, or through mobile by searching ‘UBL UK Mobile Banking’ in your app store, downloading the UBL UK Mobile Banking app, and signing up using the New Customer option.

Your money transfers to Pakistan can be funded using a UK debit or credit card issued in your own name, or from a UBL UK current or easy access account. Funds will arrive within 48 hours, but often arrive much sooner.*

NEW FEATURES: You can now fund a UBL UK NetRemit transaction using your Online Easy Access Account, ACE Current Account or Ameen Islamic Current Account. If you don’t have one of these accounts, you can use the new Mobile Banking application to apply for one and manage all of your UBL UK Accounts in one place**.

*Some transactions may take longer if we require additional information from you.

**Subject to terms and conditions and eligibility for each account type.



Good For:

  • Sending money to individuals in Pakistan
  • Sending amounts up to £20,000
  • Making regular payments

Not Good If:

  • You wish to make payments for business purposes
  • You wish to send more than £20,000

There is a £3 fee for transactions of £89.99 and below, transactions of £90 or more are fee free.

We will require proof of source of funds for all transactions of £10,000 or more, either in a single transaction or multiple transactions within a 3-month period.

Please Note: In order to ensure that we continue to comply with money transfer rules and regulations, we require that you provide your beneficiary's CNIC number on all remittances to Pakistan through UBL UK. These changes are now effective and this is now a mandatory requirement.

UBL UK also generates revenue from currency exchange.

UBL UK NetRemit FAQ's

  • What is UBL UK NetRemit?

    UBL UK NetRemit is a remittance service from UBL UK provided through an application (app) available on android and IOS mobile phones, or via the internet at This app provides consumers the ability to send money to Pakistan using an android or IOS mobile phone, and once registered through mobile banking - on the internet banking portal at

  • How do I sign Up?

    Online: Visit and select 'register' then follow the new customer route to apply for 'Send money to Pakistan.


    Mobile: Search 'UBL UK Mobile Banking' in your app store and download the app. When it is downloaded, select the 'New Customer' option and set your login details, then select 'Send Money to Pakistan' in the product selection stage. 

    Terms and conditions can be found here.

  • Who is eligible for a UBL UK NetRemit Account?

    You must: 

    • Be a UK resident
    • Have a UK issued debit or credit card in your own name, or have a UBL UK Current or Easy Access Account in your own name
    • Be 18 years or over


  • Does it cost to have UBL UK NetRemit account?

    No, this app can be downloaded free of charge.

  • How can I get the App on my Mobile phone?

    Visit your app store and search ‘UBL UK Mobile Banking’ and download the app to register using your mobile device.

    Android Users: Click Here

    Apple Users: Click Here

    More information about the app can be found at:

    To register using internet banking, visit

  • How do I send money using UBL UK NetRemit?

    When you have registered and verified your details for UBL UK NetRemit using the new Internet banking or Mobile App and your account has been approved, you can select the ‘Send money to PK’ option from your account dashboard. You will then be prompted to add a new payee, and fund the transaction either by adding details for a UK Debit Card in your own name, or from a UBL UK Online Easy Access or Current account in your own name.

    Once you have registered online or on your mobile, you can use your login details to access the internet banking platform which can be found at And if you register online first, these details can be used to access the mobile app. 

  • How does UBL UK NetRemit App work?

    Upon verification of your identity and with debit card approval, the transaction is confirmed and processed for delivery according to your instructions.

  • Where can I send money from?

    You can send money from any Android or IOS mobile phone through the UBL UK Mobile Banking app that is able to host the app, or once you have registered, you may also access the internet platform at using the same login details.

    Please Note: It is now mandatory to provide your beneficiary's CNIC number on all remittances to Pakistan through UBL UK NetRemit. These changes are now effective and are mandatory, to minimise the impact upon you we would recommend the following steps:

    • Make contact with any existing beneficiaries and obtain their CNIC number
    • Update the CNIC number for existing beneficiaries before initiating a transaction
    • When setting up new beneficiaries in the future, ensure that you obtain their CNIC number along with their account details

    A valid CNIC number is required across all remittance channels at UBL UK, so ensure that you have this information if you are visiting us in branch to make a remittance, online or on our mobile App.

  • Where can I send money to using UBL UK NetRemit?

    You can send money to any individuals in Pakistan direct to their Bank Account, or for Cash Over Counter collection at any United Bank Limited branch. You cannot send money to pay a bill.

  • Can I send money to non-individuals?

    No. UBL UK NetRemit services are not for commercial remittances

  • Can my beneficiary get funds in a currency other than the local currency?

    No. Beneficiary can only get funds in local currency i.e. Pakistan Rupees for beneficiary in Pakistan.


    If you are sending money to a Roshan Digital Account, the account MUST be in PK currency or the remittance will be returned which may delay your beneficiary receiving their funds. 

  • How much can I send using UBL UK NetRemit or Mobile App?

    UBL UK’s single transaction limit is £20,000. Proof of source of funds will be required if your remittance is £10,000 or more in any 3 month period of linked transactions or a single transaction. You will be informed if extra information is required and what documents are required as proof of source of funds at the time. The documents requested may include, original or certified copies of bank statements for last 3 months, proof of income i.e. pay slips, P60, and for self-employed we would request original or certified copies of business account statements for the last 3 months.

    Images of certified copies of these documents may be uploaded using the secure messaging function from internet or mobile banking.


    Or, these documents may be posted to the following address:


    UBL UK NetRemit Team,

    UBL UK

    391-393 Stratford Road,

    Birmingham, B11 4JZ


    Alternatively, you can visit any of our branches with your original documents and one of our branch officers will attest your documents and process them accordingly. If we do not receive this information within 10 working days we will not be able to process your remittance payment. Please note that copies must be certified ‘original seen’ by a solicitor, your bank or chartered accountant. Alternative words such as ‘Attested’ will not be acceptable.

  • How much does it cost to send money using UBL UK NetRemit?

    Remittances to Pakistan for an amount of £90 and above = Free

    Remittances to Pakistan for an amount less than £90 (i.e. £89.99 and below) = £3.00

    Remittance cancellation, amendment or refund=£10.00

  • What currency is used?

    The currency accepted from you as the remitter is in Pound Sterling. The currency delivered to Pakistan is in the Pak Rupee equivalent.

  • How does the beneficiary receive the money?

    The beneficiary in Pakistan can receive cash at UBL PK branch counter and funds can also be uploaded to beneficiary’s Pardes Card in addition to transferring funds direct into a beneficiary’s bank account.

  • When will the beneficiary receive the money?

    UBL UK aim to deliver funds within 48 hours. The 48 hours starts from the next working day once the remittance has been processed and may take longer to remote areas of Pakistan. Some transactions may take longer if we require additional information to support your remittance.

    If your remittance has not reached your beneficiary within 48 hours please call 0121 753 6000 and we will track the status of your remittance for you.

    How can I check the status of my remittance transaction using UBL UK NetRemit?

    You can check the status of your remittance by logging in to your account online or on mobile and selecting the transaction – the status will be shown in the transaction detail. We will also send you email and push notifications to let you know the status of your transaction. 

  • How can I report a problem?

    Internet or mobile banking: You can contact us via secure message from within internet or mobile banking.


    Phone:  0121 753 6000 (Monday to Friday from 9:15am to 5:15pm


    In Writing:

    UBL UK NetRemit Team,

    UBL UK

    391-393 Stratford Road,

    Birmingham, B11 4JZ



    Please ensure that you quote your remittance tracking number in all correspondence to ensure we can assist you swiftly in resolving the problem.

  • Why won’t my debit card process?

    Your address on UBL UK NetRemit must match exactly with the address on your debit card and that is on file with your issuing bank. Our system will verify this address to protect you from card fraud – if the address does not match exactly, your order will not be processed. When you process a transaction, your card issuer may place a shield on the funds. If your transaction is declined, your card issuer may take time to release the funds from the shield and you should contact your card issuer if there are delays.


    You may also contact to your bank if your details are correct but payment has not been authorised by your bank.

  • What are verified by Visa and MasterCard Secure Code?

    As a Visa or MasterCard card holder, you have an option to sign up with Verified by Visa or MasterCard Secure Code, programs established by those companies to minimize and eliminate the risk of fraudulent use of card online. This offers card holders an extra layer of fraud protection by having you enter an additional password before an online transaction can be completed. By requiring this extra layer of security, UBL UK can better ensure that we do not process a transaction not initiated by you.

  • Can I use my credit card as a means of payment?

    Yes, you can use your UK credit card as a means of payment.

  • Is my debit card information safe?

    Yes. Your debit card information is secure. The on-line payment service we use is Sage Pay. Sage Pay is audited by an independent auditor on a regular basis to ensure that it complies with the latest security standards set out by Visa and MasterCard. Sage Pay asks your card issuer to authorise your transaction at the time you make payment. This is a completely secure process and they ensure that your details cannot be accessed by a third party. An acknowledgment is displayed when your payment is processed. If your card issuer does not authorise payment a message tells you authorisation has been denied. If you cannot correct any error you will need to arrange payment by an alternative method. Card issuers check for fraudulent payments. Therefore if you try to make a payment that does not correspond to your usual pattern of card use, your payment may be declined. If this happens you need to contact your card issuer for an explanation. We will not hold any of your card details on our system.

  • What happens if I forget my login details?

    you forget your login details, you can select the ‘forgot password’ option from the internet or mobile banking login screens to reset your information.


    By selecting the appropriate option you will be given instructions to retrieve or reset your details.


  • What hours is the UBL UK Net Remit service available?

    UBL UK NetRemit is available 24 hours a day, seven days a week (24/7). You can send money any time at your convenience.

  • What restrictions are applicable when using UBL UK NetRemit to make a remittance transaction?

    UBL UK NetRemit prohibit the use of its money remittance service to directly or indirectly fund illegal activities including but not limited to money laundering, support of terrorist activities, fraudulent sales, theft or solicitations. In compliance with UK regulations, we are required to gather additional information in certain transactions that meet the criteria of corresponding regulations. If you are contacted in order to gather additional information, your transaction may be delayed until all criteria have been satisfied.

  • How do I change my remittance once the transaction has been submitted?

    If you realise that you have provided incorrect information with regards to your beneficiary details, or you wish to cancel the transaction, please contact UBL UK NetRemit support team as soon as possible via secure message or on 0121 753 6000. Any amendments to the original beneficiary details provided by you will incur a £10 charge, as will any cancellation of a transaction – whether or not the change or cancellation is successful. Please note that if the transaction has already been processed and sent to the beneficiary’s bank, we cannot guarantee the retrieval of funds or changes to the beneficiary details.

  • What is a One Time Passcode (OTP)?

    A One Time Passcode (OTP) is a security measure providing you with enhanced protection when accessing your UBL UK NetRemit account from internet banking. The OTP is a 6 digit number sent to you via SMS message to the mobile number that you provided at registration.


    You will need to have a registered mobile number capable of receiving SMS messages in order to register for the UBL UK NetRemit service, your registered mobile number will also be required when making certain transactions or when adding new recipients to your UBL UK NetRemit Account when using internet banking.

  • How does the OTP process work?

    For certain types of transactions through internet banking, such as making a payment to a new recipient, when you reach the 'Confirm Details' stage of the transaction, we will send you a SMS message to your registered mobile number containing a ‘One Time Passcode’. Simply enter the 6 digit OTP in the designated on-screen box provided to validate and complete the transaction. The OTP process is designed to provide additional protection to registered UBL UK NetRemit customers as it enforces additional verification when completing certain processes on the system; this is essentially a mechanism to safe guard against fraud. Further information of the specific instances for which an OTP is required are listed in the “When will I be required to enter an OTP” section below.

  • When will I be required to enter an OTP?

    For the majority of transactions on internet banking you will NOT need to enter an OTP..


    However, you will need to use an OTP in the following instances:


    When you initially register to use any UBL UK NetRemit service on mobile or internet banking

    When you login to internet banking if you do not have the mobile app

    When you update / amend certain aspects of your details on internet banking such as:

    • When you add a beneficiary
    • When a transaction is initiated with a newly added beneficiary
    • When you update an existing beneficiaries details
    • When a transaction is initiated after your profile has been updated
    • When a transaction is initiated with a newly added payment card

    When you use the Mobile App on a new device

  • How long does it take to receive an OTP Passcode via SMS message?

    If you perform a process / transaction on the digital banking platform that requires an OTP, when you reach the 'Confirm Details' screen, you will immediately be sent an OTP to your registered mobile number which you should receive promptly (this should usually be received within seconds). In exceptional circumstances it could take slightly longer (a couple of minutes) depending on your network coverage. The OTP 6 digit code is only valid for 15 minutes.

  • What happens if I change my mobile number?

    If your mobile number changes from the one that you have registered on the digital banking platform, you should contact UBL UK’s Customer Service Department on 0121 753 6000 to advise that your mobile number has changed. They will in turn update your mobile number details on the NetRemit system. As a security precaution, you will be sent an OTP to your new mobile number to authorise the change.

  • How do I use an OTP if I do not have mobile phone network coverage?

    Unfortunately, you will be unable to receive an OTP code if you do not have sufficient mobile phone network coverage. An OTP can only be sent to a mobile phone with network coverage to enable the SMS with the OTP to sufficiently reach the mobile phone. However, as advised in “When will I be required to enter an OTP” section, the majority of the standard UBL UKNetRemit transactions do not require OTP verification. If you do not have mobile phone network coverage, you will need to wait until you are able to receive an SMS message to verify your transaction. If you do not receive the SMS message within 5 minutes due to insufficient mobile network coverage, the OTP will expire and you will need to restart the process, see “Is there a time limit to use an OTP?” section below.

  • Will I be charged to receive an OTP via SMS message?

    UBL UK will not charge for sending you an OTP message via SMS. However, receipt of an SMS message may be chargeable by your mobile network service provider. It should be noted that most UK mobile phone providers do not charge you to receive SMS messages, even when abroad, however, you should check with your mobile network service provider to confirm whether you will be charged for receiving SMS messages.

  • What happens if I am overseas?

    If you are mobile app user, you should be able to access mobile banking if you have sufficient data availability.


    You can receive an OTP code via SMS message overseas if your handset and SIM card allow global roaming and the country you are in operates a compatible network. You will require sufficient network coverage to receive the OTP SMS message as outlined earlier in this document. Please check with your mobile network service provider for further information about global roaming.

  • What will happen if I input the OTP code incorrectly?

    You have 5 attempts to enter your OTP code correctly. If you enter the OTP code incorrectly 5 times, your NetRemit account will be blocked for security reasons. In this scenario please contact UBL UK’s Customer Service Department on 0121 753 6000 who will provide further assistance.

  • Is there a time limit to use an OTP?

    You are required to input an OTP within fifteen minutes of receipt, If you are unable to input the OTP within this timeframe the OTP will expire, and you will need to restart the process. A new OTP will in turn be generated and sent to your registered mobile phone number.

How To Apply



Download 'UBL UK Mobile Banking' from your app store using the links below

In Branch

In Branch

visit one of our branches to register for an Account.

Service Announcement

The UBL UK Remittances App (for iOS users) is now available in Apple App Store for existing customers. Please upgrade your UBL UK Remittances App with the latest release version (3.1.7).