UBL is one of the largest banks in Pakistan.

UBL is one of the largest banks in Pakistan and consecutively two years straight, awarded as the Best Digital Bank in the country, FY20 FY21. UBL is also the first bank in the country to establish its own design thinking lab. With a customer base of over four million, the Bank boasts Pakistan’s widest network of over 44,000 customer touchpoints; this includes more than 1,400 branches, above 37,000 Branchless Banking Agents, and over 1,400 ATMs. UBL has presence in four continents and customers have 24/7 access to the bank via UBL’s world class Mobile-app / Internet Banking.


Visa Ready


This program is geared for enabling Fintechs to a faster go-to-market by providing plug and pay capabilities.

Solution Information

Visa Card Program Support Consumer Debit


Program Management Support Yes
Fintech Pricing Model Support Set-up Fee, Per Wallet, Per Load
(e)KYC / KYP Support No
Crypto Support No
CASA Program Support Yes


National Regulatory License Commercial Banking, Branchless Banking
Third Party Issuer Processor No
Payment Processor In-house
Domestic Payment Network Connections 1Link
ATM Network Integrations Yes
Bill Pay Yes
Foreign Exchange Treasury Yes
Program Management Yes
ACH Origination Yes
Cash Advances Yes
Remittances and Cross-Border Transactions Yes
Multi-Currency Settlement Yes
Installments Yes
Surcharge Free ATM Networks No
Co-Operative Authorization Yes
Connection to Real-Time Payment Schemes Yes
Visa Direct Origination In Progress
Preferential Card Manufacture Rates Yes
Access Control Server for 3DS Yes
AML-as-a-Service Yes
Virtual IBAN (if applicable) Yes
Corporate and Business Card Processing Yes


Visa Ready


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