Full terms and conditions for the use of particular services are available as part of the Personal Banking Terms and Conditions which are published here. 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 service. The contents of this site should in no way be taken as an offer to sell any of UBL UK’s services.


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 on 0121 753 6000.

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 regarding your personal details or to amend details we hold about you, you should telephone and write to the branch where your account is held.

Collection and Distribution of Information

1. 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 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.

2. 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).

3. 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. 

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.