Terms and Conditions

United Bank UK and UBL UK are trading names of United Bank UK Limited. United National Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under Registration No. 207381. The company is registered in England & Wales and its Registered Office is at 2 Brook Street, London, W1S 1BQ. The company registration number is 4146820.

United Bank UK Limited is covered by the Financial Ombudsman Services.

Terms and Conditions for Online Banking Services



All our products and services are also subject to separate Terms and Conditions which govern their use.

We reserve the right to change these terms and conditions at any time without notice by updating this posting. You agree to review these Terms regularly and your continued access to or use of this site will constitute your acceptance of any such changes.


“We”, “Us”, “Our” is a reference to United Bank UK Limited.

“You”, “Your” refers to the customer who has registered to use this Online Banking service.

“Security Details” means the identifying words, codes and numbers agreed between you and us that are used in the security procedures for Online Banking services .


“Service” means the United Bank UK Limited Online Banking services which are accessed using the internet.

Use of Site

We may restrict or suspend your access to or use of this site for any reason, including where we believe you have not acted in accordance with the terms and conditions of the site and its service or where we have reason to believe that there may have been unauthorised access to your account.

You may terminate your access to our site and its service by notifying us by telephone (0800 218 22 66) or through your local branch (you will be asked to provide evidence of your identity before any instruction can be accepted).


Unless otherwise stated, the copyright, trademarks and other intellectual property rights on the site, including without limitation text, tools and images, are owned by us or our licensors.

You are not allowed to replicate or adapt the site in whole or in part without first obtaining written consent from us, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial use.

Service Availability

While the website will normally be available 24 hours a day and we make every reasonable effort to provide the service, we shall not be liable if for any reason the site is unavailable at any time. Access to the site may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.


By using this site and its services you are:

1.      Authorising us to receive and act on your instructions for transactions which have been authenticated by the use of the security procedures we require you to follow.

2.      For joint accounts, we will act on the instructions of any one of you, but you are each responsible for all transactions carried out. Joint accounts mandating signatures of more than one person are not eligible for these online banking services.


We reserve the right to charge you and you agree to pay the charges which apply when you use the service.

Full details of our charges can be obtained by telephone (0800 218 22 66), from our company website United Bank UK or by visiting your local branch.

Security Details

To use this site, you must keep all your security details confidential and take all reasonable precautions to prevent unauthorised or fraudulent use of them. You should not reveal your security details to any other person or note them down in any form that may result in them becoming known to someone else.

You should note that after your initial registration we will never contact you, or ask anyone to contact you on our behalf, requesting you to reveal 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 your security details. You should report any such requests to us immediately.

If at any point you suspect that someone else knows your security details, you should contact us immediately. Please call the Central Operations Team on 0800 218 2266. If you fail to act immediately, you may be legally responsible for any unauthorised payments and charges on your account(s) which are authenticated by the use of your security details.

You will be responsible for all instructions given by you or anyone acting with your authority, from the time you login into the service using your security details to the time you exit from the service. Therefore, you should not leave the device you are using to access the service unattended whilst you are logged onto our site.

Third Party Websites

Where we may provide a hyperlink to a third party website, these links are not to be taken as an endorsement by us for any products or services offered on such sites. You will use the links entirely at your own risk and we will not accept any responsibility or liability for the content, use or availability of the website.

No third party is permitted to link any other website to our site without first obtaining written consent from United Bank UK Limited.

Information about you

Your information comprises of all the details we hold about you and your transactions and may include information obtained from third parties.

We will not disclose your information to anyone outside of United Bank UK Limited except:

1.      Where we have your permission; or

2.      Where we are required to do so by law; or

3.      To credit reference and fraud prevention agencies and other companies that provide a service to us or you; or

4.      Where we may transfer rights and obligations under this agreement.

5.      To government entities or regulatory bodies in order that those entities may discharge their responsibilities and obligations or exercise their powers or functions.

Your details may be used in the future to assist other companies for verification purposes.

We may transfer your information to other countries on the basis that anyone to whom we pass it provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations.

We will hold the information about you for as long as is required by the regulations or law.

If you would like a copy of the information we hold about you, please write to:

Data Protection Officer

United Bank UK Limited

2 Brook Street



A fee may be payable on your request.

Governing Law and Jurisdiction

This site only complies with UK laws and any disputes arising in connection with these Terms and Conditions will be subject to the exclusive jurisdiction of the English courts. It is not intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this site would be contrary to local law or regulation. If you choose to access information on this site, it is your responsibility to comply with the applicable local, national or international laws and any use of this site outside the UK is entirely at your own risk. For guidance relating to your own specific situation we would advise you to contact your legal advisor.

Important information about compensation arrangements

We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors – including most individuals and small businesses – are covered by the scheme.

In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim, so for a joint account held by two eligible depositors the maximum amount that could be claimed would be £85,000 each (making a total of £170,000). The £85,000 limit relates to the combined amount in all the eligible depositor’s accounts with the bank, and not to each separate account.

For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your local branch or refer to the FSCS website or call 0800 678 1100 or 020 7741 4100

Complaints and the Financial Ombudsman Services (FOS)

If you are unhappy with any aspect of this service and after giving us the chance to rectify the situation for you, you still feel that we have not been able to resolve it to your satisfaction; you are able to approach the FOS with your concerns.

Full details of our complaint procedure and the services of the FOS can be found on our website United Bank UK, or can be requested from us by telephone 0800 218 22 66.

You can also visit the FOS website direct Financial Ombudsman Service.

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.