Who we are...

Providing personal and business banking solutions using a unique, people-first approach.

Our Performance

The financial year ended 31 March 2022 marked the first year of our refreshed four-year strategic plan, and we are pleased to report that the Bank delivered another year of strong performance. We achieved a profit before tax of $5.4 million enabling us to continue investing in the areas that underpin our provision of excellent customer service – our people, our systems, and our mission.

Our priorities remain clear to maintain an operationally-resilient bank that serves the evolving needs of our shareholder and the global Salvation Army community. This year, we significantly strengthened our risk management frameworks and expanded our investment in talent and capability across the Bank. During the year, we laid the groundwork for enhancing our digital infrastructure, initiating key projects that will be developed further in the years ahead.

The Bank’s capital and liquidity positions remain robust, providing a solid foundation for the execution of our strategic plan. We continue to measure our success not only through financial outcomes, but also through our social impact and the quality of service we provide to our customers. These pillars are central to our purpose and aligned with the mission of The Salvation Army worldwide.

As a trusted financial partner to more than 30 Salvation Army territories, and thousands of other customers, the Bank plays a vital role in supporting local communities, facilitating international transfers, and supporting operational needs through a comprehensive suite of banking services. We are proud to serve the global Salvation Army, UK charities and other ethically-aligned organizations, offering stability, security, and service excellence.

We remain grateful for the continued support of our shareholder, whose commitment enables us to pursue our medium-term objective of sustainable profitability while staying true to our mission of “Giving Money Meaning”

Protecting yourself against Fraud and Scams

In an increasingly digital world, fraudsters are becoming more sophisticated in the way they target individuals and business. Therefore, it is very important to stay alert and know how to protect yourself from fraud and scams.

UBL UK are here to help you understand fraud risks and take the necessary steps to protect your personal and financial information.

Common Types of Fraud and Scams

1. Email and SMS (Phishing) Scams

Fraudsters may send fake emails or text messages (SMS), pretending to be from the Bank to trick you into revealing personal details such as your PIN, One Time Passcodes (OTP), or passwords.

2. Phone (Vishing) Scams

Scammers may call you pretending to be from the Bank to ask for sensitive account information or to transfer money urgently.

3. Card Fraud

Your card details can be stolen through skimming devices. This is a device that is disguised to look part of an ATM and can clone your card details. Card fraud can also be executed through online transactions or lost and stolen cards. Fraudsters may use your card information to make unauthorised purchases or withdraw cash.

4. Investment/Cryptocurrency Scams

Scammers offer fake but convincing investment opportunities by promising high returns with little or no risk, such as investing in Cryptocurrency. These are often fraudulent schemes designed to steal your money.

5. Identity Theft

Fraudsters can steal your personal details and use them to open accounts, apply for loans, or commit fraud in your name.

6. Authorised Push Payments (APP) Scams

Unlike other forms of fraud, where criminals secretly access accounts and steal money without the account holder’s awareness, APP scams involve fraudsters pressuring you to act quickly and convincing you to make payments by creating a sense of urgency or fear. These scams can take various forms, such as posing as a bank, utility provider, or even a family member in need of urgent help.

How to Protect yourself - (Tips & Tricks):

Be Cautious:

Always be wary if you receive unexpected phone calls, texts, or emails asking for your personal or financial information.
If you receive an investment opportunity that sounds too good to be true, it probably is. Always verify the legitimacy of the offer before taking any action.
UBL UK will never pressurise you into making a payment or ask you to transfer money into a ‘safe account’. We may only contact you about payments you have made yourself for verifications purposes.

Verify the Source:

If you are unsure as to whether a call, text message or email is genuine, contact the company directly using a phone number or website you trust – not the contact details provided in the message.
To put your mind at ease, we have listed our official websites below. You can also find all of our contact detail on our websites to help you verify the authenticity of any communication you receive from the Bank.
https://unibltd.org/

Do not share your private details with anyone:

UIG Bank will never contact you and ask for your PIN, OTP or passwords. You should also never share your passwords or pins with anyone.
Do not give anyone access to your debit cards or online banking.

If you feel that you may have been a victim of fraud, or have any questions concerning fraud, please either contact us and we will be happy to discuss any of your concerns.