When sending money across borders, few things are as frustrating as encountering delays due to incorrect banking details. One critical piece of information for seamless international transfers is the SWIFT code—a standardized identifier that ensures funds reach the intended financial institution.
This guide focuses on Pakistan’s United Bank Limited (UBL) and its SWIFT code, UNILPKKA RDA , to help individuals and businesses navigate cross-border payments efficiently.
About United Bank Limited
Headquartered in Karachi, Pakistan, United Bank Limited operates from its primary address: State Life Building, 1 I.I. Chundrigar Road, Karachi, Sindh, 74000 . As one of Pakistan’s leading financial institutions, UBL offers a comprehensive range of banking services and maintains a strong reputation for international remittances.
What Is a SWIFT Code?
A SWIFT code (Society for Worldwide Interbank Financial Telecommunication) is an alphanumeric identifier used to facilitate secure and accurate transfers between banks globally. It typically consists of 8–11 characters, specifying:
- The bank’s name
- Its country and city
- An optional branch identifier
UBL’s SWIFT Code: UNILPKKA RDA
For transfers to United Bank Limited, the code UNILPKKA RDA is essential. Here’s what it represents:
- UNIL : Bank code for United Bank Limited
- PK : Country code (Pakistan)
- KA : Location code (Karachi)
- RDA : Optional branch identifier
While some transactions may not strictly require a SWIFT code—depending on the destination country or payment method—providing it minimizes risks of delays or misrouted funds. Always verify the latest code with the recipient or their bank, as institutions occasionally update these identifiers.
Best Practices for International Transfers
To ensure successful transactions:
- Double-check the SWIFT code against official bank records.
- Confirm whether intermediary banks are involved (which may incur additional fees).
- Include the recipient’s full account details alongside the SWIFT code.
With these precautions, both individual and corporate clients can execute international payments confidently through United Bank Limited or any other global financial institution.