Online Security Guide

At United Bank UK, we are committed to making your Online Banking as safe and secure as possible.

Once you have registered for Online Banking with us, we will never contact you or ask anyone to contact you on our behalf and ask you to reveal any of your security details in full. If you receive any such request, even if it displays our name and logo and appears to be authentic, it is likely to be a fraudulent request and you should not supply any details. Please report any such requests to us immediately.

How United Bank UK Protects You

In line with industry standards, we are using all the necessary tools to protect your accounts and transactions from any unauthorised access.

Any information between your computer and United Bank UK is secured with 128-bit SSL Encryption which means that it cannot be read or tampered with anywhere on the internet.

If you are using either Internet Explorer, Google Chrome or Safari as your internet browser, once you login to your Online Banking account, you should see the ‘locked’ padlock symbol displayed somewhere in the address bar, as shown below.

This padlock shows the users of our Online Banking application that we are using ‘Secure Socket Layers’ (SSL) to encrypt any data before it travels across the internet.

If you are using Firefox as your internet browser, you can use the ‘Site Identity’ button to check the identity information of our website.

When viewing a website, the Site Identity Button will display in one of three colors - gray, blue, or green. Clicking on the Site Identity Button will display security information about the website, with a matching gray, blue, or green "Passport Officer" icon.

The “Passport Officer” icon that you should see on the UBL UK Online Banking website is Green and this indicates that we have been fully verified as the owners of the site and that the connection is encrypted.

Captcha Image

On the initial sign in page, you will be asked to copy an alphanumeric image which is known as a Captcha. A Captcha is a form of security known as a ‘Human Response Test’ and is used in order to ensure that the person attempting to enter a website is a human being and not a computer generated programme. This security feature on the website will help prevent spamming.

User ID and Password Security

Access to United Bank UK’s Online Banking service is via your Login ID and password.

United Bank UK will never ask for your password in full and will request a random selection of the characters for you to enter on each login. Furthermore, you are required to enter these random characters using your computers mouse and a virtual keyboard on the screen. This security feature will help prevent any key stroke logging.

‘Keylogging’ spyware is used by fraudsters and is designed to capture anything typed on a keyboard. By using a virtual keyboard to enter password details, we are preventing anyone from using this type of spyware to gain access to your password.

It is your responsibility to keep your Login ID and Password secure and ensure that these details are only known to you. You must not disclose them to any other person or allow them to be seen by another person. If you believe that someone else may know the details of your Login ID and / or password, please contact us immediately.

If someone attempts to log into your account and enters the wrong information more than 3 times, United Bank UK will disable your account. This is to prevent someone trying to guess your information to gain access to your back account.

Financial PIN Security

For all your financial transactions undertaken on your online account, we add another layer of security in the form of a 4 digit PIN Code. You will have to enter this PIN whenever you transfer funds or pay bills. You can choose the validity of the PIN number and decide if you want it to be valid for just the session you are currently logged in for or one day, one week etc.. up to a maximum time period of 1 month.

Your Security Software

1.        It is best practice to ensure that you are using the most up to date version of your computers operating system as they will always be the most secure against threats such as malware (malicious software). You can set your computer to receive updates automatically via the internet – Find out how to do this through your operating system provider (e.g. Microsoft for Windows users or Apple for Mac OS users).

2.        2. Installing and using an anti-virus software and keeping it updated can help you to stop viruses, Trojans and other malware from infecting your computer.

3.        You should always ensure that your web browser is up to date to help protect you against security threats such as malware. You can check for the latest browser version from your provider’s website (e.g. Microsoft for Internet Explorer users or Mozilla for Firefox users).

4.        A firewall, when configured correctly, prevents potential ‘intruders’ from getting access to your computer. Many anti-virus vendors include a firewall as part of their security products.

5.        Invest in anti-spyware software and make sure you surf the internet with caution. Spyware is a form of malware installed on computers to collect information about the user without their knowledge.

6.        Make sure that your wireless network connection is secure. If it’s not, anyone can use your connection without you knowing. Securing it can be as simple as setting up a password and your internet service provider will be able to help you to do this.

7.        For further information, take a look at the following websites to keep up to date with the latest online security threats and learn to surf the internet and shop online safely.

Bank Safe Online

Get Safe Online

Financial Fraud Action

Reporting Suspicious Activity

If you’re concerned about any suspicious activity with regards to your Online Banking account, please contact us immediately:

Telephone: 0800 218 22 66


You can call us Monday – Friday between the hours of 09.00 – 17.00

SECURITY ALERT: Beware of cloned websites using our part or full name. Please note that only the following six web-pages are our only official websites.