Frequent Questions & Answers

UBL UK NetRemit App is a remittance service of United Bank UK provided through an application (app) available on android and IOS mobile phones. This app provides consumers the ability to send money to Pakistan using an android or IOS mobile phone.
No, this app can be downloaded free of charge.
This app can be downloaded via the Play Store/ App Store on your Android phones. Alternatively you can go to our NetRemit website on www.ubluknetremit.com using your android or IOS phone and download the application.
A new user can register for NetRemit through the use of this app. Once the app has been downloaded instructions will be provided so that you can register.

If you are already a registered user on NetRemit online, simply login to your account with existing unique username and password as you would on UBL UK NetRemit website. On the NetRemit App however it will ask you to enter your memorable word. This would have been selected and provided by you upon the initial registration of your NetRemit online account.

Once you have registered and logged in you will be able to remit funds by entering your beneficiary information or choose from your existing beneficiaries. Choose the amount to be remitted, review your transaction for accuracy, and accept the Terms and Conditions before confirming.

Upon verification of your identity and with debit card approval, the transaction is confirmed and processed for delivery according to your instructions.
You can send money from any Android or IOS mobile phone through this app that has internet access.

Please Note: It is now mandatory to provide your beneficiary's CNIC number on all remittances to Pakistan through United Bank UK. These changes are now effective and are mandatory, to minimize 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 United Bank 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.
You can send money to any individuals in Pakistan. You cannot send money to pay a bill.
No. UBL UK NetRemit services are not for commercial remittances
No. Beneficiary can only get funds in local currency i.e. Pakistan Rupees for beneficiary in Pakistan.

UBL UK’s single transaction limit is £20,000. Proof of source of funds will be required if your remittance is £5,000 or more in any 3 month period. 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. These documents should be posted to the following address:

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 send it to us 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. We do not accept online copies of documents.

  • Remittance to Pakistan for amount £150 and above= Free
  • Remittance to Pakistan for amount less than £150 = £3.00
  • Remittance cancellation, amendment or refund=£10.00
The currency accepted from you as the remitter is in Pound Sterling. The currency delivered to Pakistan is in the Pak Rupee equivalent.
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 beneficiary’s bank account.
UBL UK aim to deliver funds within 24-48 hours. The 24-48 hours starts from the next working day once the remittance has been processed and may take longer to remote areas of Pakistan.

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.
You can check the status of your remittance by logging in to your account via the app or online (https://www.ubluknetremit.com/) and clicking on the ‘Track my Remittances’ icon on the application.
If you are using UBL UK NetRemit App, you can either click the icon ‘Customer Feedback’ and advise us of any issues you may be having or you can visit our NetRemit website https://www.ubluknetremit.com/ and select the ‘Contact Us’ option. You can also alternatively directly contact us on the details below:

Central Operations –Remittance Team
391-393 Stratford Road
Birmingham
B11 4JZ
Main: 0121 753 6000
E-mail: netremit@ubluk.com

Please ensure that you quote your remittance tracking number in all correspondence to ensure we can assist you swiftly in resolving the problem.
Your address on NetRemit must match exactly with the address on your debit card statement 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.

You may also contact to your bank if your details are correct but payment has not been authorised by your bank.
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.
Yes, you can use your UK credit card as a means of payment.
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.
When you open the UBL UK NetRemit app on the main and subsequent screens you will see 3 options for forgotten details.

1) Forgotten Your Email ID
2) Forgotten Your Password
3) Forgotten Your Memorable word.

By selecting the appropriate option you will be given instructions to retrieve or reset your details.
UBL UK Net Remit is available 24 hours a day, seven days a week (24/7). You can send money any time at your convenience.
United Bank UK and 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.
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 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.