United National Bank Limited

Reference number: 207381

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When ubluk.com first appeared online, and whether it can receive email
  • What kind of line 020 7290 8000 is
  • Who else gives the postcode W1S 1BQ
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Other names (3)

If you were contacted under any of these names, it is this firm.

  • UBL UK Trading name
  • United Bank UK Trading name
  • Pakistan International Bank (UK) Limited Former name

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (13 permissions)
  • Accepting Deposits
  • Acting as a CBTL administrator
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL lender
  • Administering a home purchase plan
  • Advising on a home purchase plan
  • Arranging (bringing about) a home purchase plan
  • Dealing in investments as principal
  • Entering into a home purchase plan
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to transactions in investments

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
04146820
Company status
Active
Company type
Private limited company
Incorporated
24 January 2001 (25 years old)
Registered office
2 Brook Street, London, W1S 1BQ
Nature of business
  • Banks (SIC 64191)

Directors and company secretaries

Name Role Born Appointed Other companies
Ashraf Mahmood Wathra Director Oct 1955 12 May 2023 None
Naser Janjua Khan Director Oct 1970 25 May 2023 None
Abid Mumtaz Director Mar 1990 1 Mar 2024 None
Daniel Michael Howlett Director Oct 1967 13 Aug 2024 9 other companies
Thomas Charles Mcginness Director Sep 1957 13 Aug 2024 None
Muhammad Jawaid Iqbal Director Sep 1969 4 Apr 2025 None
Minaz Bhuiya Director Feb 1977 11 Sep 2025 None
Toby Varkey Secretary Not published 4 Sep 2018 –

Other companies run by these 7 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
9
still active
9

In the full report: all 9 companies, named

  • What each company does, and whether it is still trading
  • Which of these 7 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 51 people who have ever been directors, with their dates
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Key dates in its history

United National Bank’s history from the FCA register and Companies House, newest first.

Key events (10) All events (107)

2024

4 July 2024

  • Government Of Pakistan stopped being a part-owner

Companies House

2021

4 May 2021

  • Bestway Group Limited no longer holds 25–50% of the votes

Companies House

2016

6 April 2016

  • Bestway Group Limited gained 25–50% of the votes
  • Government Of Pakistan became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2002

25 November 2002

  • Changed its registered name from "Pakistan International Bank (UK) Limited"

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

24 January 2001

  • Incorporated at Companies House

Companies House

In the full report: all 107 events

  • All 107 events in its history (10 shown here)
  • Every director appointment and resignation: 93
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Firms like United National Bank

Other firms of the same type (bank or building society), nearest first.

In London

Wells Fargo Bank, National AssociationLondonAuthorisedCredit Suisse (UK) LimitedLondonAuthorisedUBS AGLondonAuthorisedDB UK Bank LimitedLondonAuthorisedDeutsche Bank AGLondonAuthorisedJ.P. Morgan Securities PLCLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on United National Bank

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 107 events in its history

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Frequently asked questions about this firm

Is United National Bank Limited FCA authorised?
Yes, United National Bank Limited (FRN 207381) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a bank or building society. The FCA has placed no limits on its permissions.
What is United National Bank’s phone number and website?
The FCA register lists the phone number 020 7290 8000 and the website ubluk.com for United National Bank. If you were given different contact details, use these to check with the firm before going any further.
Is United National Bank a scam or clone?
United National Bank is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with United National Bank?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about United National Bank to the Financial Ombudsman Service, free of charge.
Who owns United National Bank?
Companies House lists no one with significant control of United National Bank now. Before that, it was controlled by Bestway Group Limited and Government Of Pakistan.
Who runs United National Bank?
Companies House lists 7 directors of United National Bank: Ashraf Mahmood Wathra, Naser Janjua Khan, Abid Mumtaz, Daniel Michael Howlett, Thomas Charles McGinness, Muhammad Jawaid Iqbal and 1 more.
How long has United National Bank been in business?
The company was formed on 24 January 2001, and has held its current FCA authorisation since December 2001.
Does United National Bank use any other names?
It trades as UBL UK and United Bank UK. It has previously used the name Pakistan International Bank (UK) Limited.

Sources and links

The full report on United National Bank Limited

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