Guide to SWIFT Codes for Pakistans United Bank Limited UBL

Published: 09/01/2025
SWIFT Code United Bank Cross-border Remittance
This article provides a detailed analysis of United Bank (Pakistan)'s SWIFT code system, including the head office and branch codes, and offers a practical guide for cross-border remittances. By comparing different remittance channels, it recommends optimal solutions and emphasizes the importance of verifying information, helping users achieve secure and efficient international money transfers. It aims to provide clarity and guidance for individuals and businesses engaging in international transactions with United Bank.
Guide to SWIFT Codes for Pakistans United Bank Limited UBL

International wire transfers to Pakistan's United Bank Limited (UBL) require careful attention to SWIFT/BIC codes to ensure seamless transactions. This guide provides a comprehensive breakdown of UBL's SWIFT code system, helping you avoid delays or failed transfers.

Understanding UBL's Primary SWIFT Code

The primary SWIFT/BIC code for United Bank Limited is UNILPKKAXXX . This standardized code, issued by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), serves as a universal identifier for international transactions.

  • SWIFT Code: UNILPKKAXXX
  • Bank Name: UNITED BANK LIMITED
  • Address: STATE LIFE BUILDING, 1 II CHUNDRIGAR ROAD
  • City: KARACHI
  • Country: PAKISTAN

Branch-Specific SWIFT Codes

UBL operates numerous branches across Pakistan, some of which maintain unique SWIFT codes. Using the correct branch-specific code is crucial for efficient fund transfers.

Selected branch codes include:

  • BANK SQUARE, LAHORE: UNILPKKA028
  • BANK SQUARE, FAISALABAD: UNILPKKA686
  • ISLAMABAD: UNILPKKA741
  • DEANS TRADE CENTRE, PESHAWAR: UNILPKKA939
  • KARACHI MAIN BRANCH: UNILPKKAIMB

When to Use the Primary SWIFT Code

The main code UNILPKKAXXX is appropriate when:

  1. The recipient hasn't provided a branch-specific code
  2. The bank centrally processes international transfers
  3. Your payment system requires a default SWIFT code
  4. Transferring to UBL's head office

Optimizing International Transfers

Beyond SWIFT code accuracy, consider these factors for cost-effective transfers:

  • Exchange Rates: Compare rates across providers
  • Transfer Fees: Understand all applicable charges
  • Processing Time: Balance speed with cost
  • Security: Verify provider credentials

Essential Verification Steps

Before initiating any transfer, confirm:

  1. The exact SWIFT/BIC code matches the recipient bank
  2. The account number is accurate
  3. The recipient name matches bank records

For incoming transfers to your UBL account, provide senders with:

  • Your branch's specific SWIFT code
  • Your complete account number
  • Your full legal name as registered with the bank

Disclaimer

The information provided herein is for general reference only. While we strive for accuracy, SWIFT codes and bank details may change without notice. Always verify critical information with your financial institution before initiating transactions.

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