UBL ATM Network & Card Charges
Part of PakFinHub's UBL coverage — see the full bank overview.
- 2,300+ ATMs
- Other-Bank Withdrawal: Rs 35 flat
"UBL ATM" is searched over 12,000 times a month on its own — more than almost any other single UBL query — and most of that traffic wants one of three things: where the nearest one is, what it costs to use someone else's ATM, or what's wrong with their card. This page answers all three directly.
UBL ATM Network at a Glance
- Total ATMs
- 2,300+
- Branch Network
- 2,033 domestic + 8 overseas
- Own-ATM Withdrawal
- Free for UBL cardholders
- Other-Bank Withdrawal
- Rs 35 flat/transaction
A machine will never ask for your PIN twice in a row — if that happens, cancel the transaction and report it immediately.
ATM count confirmed from UBL's official About Us page. Branch count as at March 31, 2026 confirmed from UBL's Q1 2026 Quarterly Report. Other-bank withdrawal fee confirmed from UBL's official Schedule of Bank Charges, effective 1 July 2026 (Consumer Banking, Section A — ATM/Debit Card, Switch Transaction Fee).
Finding a UBL ATM
Official Locator
Search by city or area at ubldigital.com/Branches, which lists ATM locations alongside branches.
UBL Digital App
The app includes a branch and ATM locator using your phone's GPS — see the UBL Digital App guide.
Biometric ATMs
UBL publishes a specific list of ATMs supporting biometric verification for certain transactions — check the official list before relying on it at a specific machine. UBL was the first Pakistani bank to integrate NADRA biometric authentication into its ATM network and, as of that rollout, described itself as the industry's largest bio-enabled ATM network — worth noting if you specifically need biometric verification without a branch visit, though confirm current biometric-enabled coverage for your area since this was UBL's status as of its original NADRA rollout, not necessarily an up-to-date claim.
What UBL ATM Cards Actually Cost
| Transaction | Charge |
|---|---|
| Cash withdrawal — UBL's own ATM | Free for UBL cardholders |
| Cash withdrawal — 1-Link member bank ATM | Rs 35 flat switch transaction fee |
| Cash withdrawal — other switches (Mnet) | Rs 35 flat |
| ATM Withdrawal, POS & e-commerce — international (any currency) | 4.5% of transaction amount or PKR 150, whichever is higher |
| Balance inquiry — domestic | Rs 4.67 per transaction |
| Balance inquiry — international | Rs 250 per transaction |
| Funds transfer via ATM — up to Rs 25,000/month (aggregate IBFT limit) | Free |
| Funds transfer via ATM — above Rs 25,000/month | 0.1% of transaction amount or Rs 200, whichever is lower (inclusive of Sales Tax/FED) |
| Card issuance (standard debit) | Free with most current accounts — see Rates & Accounts |
| Withholding tax on large cash withdrawals | 0.6% on non-filer cash withdrawals exceeding Rs 50,000/day — a government rule applying across all Pakistani banks, not a UBL-specific charge |
Charges confirmed from UBL's official Schedule of Bank Charges, effective 1 July 2026 (Consumer Banking, Section A — ATM/Debit Card). International usage charges were revised for this SOC cycle. Figures vary slightly by card tier and change periodically — always check the current Schedule of Charges at ubldigital.com/More/ScheduleofCharges before relying on a specific number.
If Your ATM Card Isn't Working
Card Blocked or Lost
Lock the card instantly from the UBL Digital App, or call the 24/7 Contact Center at 111-825-888.
ATM Kept the Card
Contact the branch operating that ATM directly, or call the Contact Center for guidance on retrieval.
Failed Withdrawal, Amount Debited
Report it immediately via 111-825-888 — most failed-dispensing cases are auto-reversed within a few working days, but a formal complaint speeds resolution.
ATM Safety Basics Worth Repeating
Cover the keypad with your free hand while entering your PIN, regardless of how quiet or empty the location looks — skimming devices and shoulder-surfing don't require a crowd. If a machine looks physically altered around the card slot or keypad, or if it asks for anything beyond your card and PIN, stop the transaction and use a different location. Keep your printed or emailed receipt until the transaction shows correctly in your account, particularly for cash withdrawals where a dispute is harder to resolve without one.
FAQs
How many UBL ATMs are there in Pakistan?
UBL operates over 2,300 ATMs across Pakistan, alongside its 2,033-branch domestic network (plus 8 overseas), per UBL's Q1 2026 Quarterly Report.
Does UBL charge for using another bank's ATM?
Yes. Withdrawing cash from another 1-Link member bank's ATM costs a flat Rs 35 switch transaction fee per UBL's Schedule of Bank Charges effective 1 July 2026. Withdrawals at UBL's own ATMs are free for UBL cardholders. International withdrawals on a UBL card cost 4.5% of the transaction amount or PKR 150, whichever is higher.
Is there a daily withdrawal limit on a UBL ATM card?
Daily withdrawal limits vary by card tier and are set out in UBL's official Schedule of Charges — check the current SOC for the limit on your specific card.
Do UBL ATMs support biometric verification?
Yes — UBL partnered with NADRA to bring biometric authentication to its ATM network and, at that rollout, described itself as having the industry's largest bio-enabled ATM network in Pakistan. Check UBL's official biometric ATM list to confirm current coverage in your area.
Good For
- Finding your nearest cash machine
- Understanding other-bank withdrawal charges
- Resolving a failed or blocked ATM transaction
- Knowing what an ATM card actually costs to use
- Knowing UBL's biometric ATM history if you need branch-free biometric verification
Ready to bank with UBL?
Verify current rates, offers, and terms directly with UBL before you apply.
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Industry-wide ATM charge caps are set by State Bank of Pakistan's ATM/POS charges circular.