Business Desk 
Nov 05, 2025
UBL building external view seen in this image. — Facebook@UBLUnitedBankLtd/File
In an action that has drawn criticism, United Bank Limited reportedly withheld funds from clients, causing delays in salary deposits.
The delays happened on the regular credit days when workers were expecting their pay.
Due to the holding of funds by the UBL, thousands of people experienced serious issues.
According to a number of account holders, employers had already transferred the salaries, but they were not credited into their accounts.
UBL users across Pakistan are left anxious, irritated, and under financial stress as a result of not being able to access their own funds promptly.
"Bills go unpaid, loan instalments get delayed, and routine household planning is disturbed," which makes things difficult for a lot of people.
There are also significant trust-related issues raised by this circumstance. Banks are supposed to give customers quick and safe access to money.
Customers' trust in their banking services is impacted by any disruptions to this system.
Consumers rely on their banks to handle their money effectively, and delays can undermine this confidence.
The first step for anyone experiencing this problem is to verify when their salary was deposited by looking at their account statement.
Documentation of any additional fees or late fees resulting from the delay is also beneficial.
The client should then submit a formal complaint via the customer service centre or help desk of the bank.
To confirm that the salary was sent on time, it is also helpful to speak with the employer.
Customers can contact the banking regulator for assistance and take further action if the problem persists.
