U Microfinance Bank / UPaisa Login — Official Portal & Guide (2026)

Go to Official U Microfinance Bank / UPaisa Login

Official URLhttps://ubank.com.pk/

Official link verified 2026-07-06

U Microfinance Bank (U Bank) is a PTCL/e& Group subsidiary whose branchless banking wallet UPaisa is run in collaboration with Ufone at around 45,000 agent locations. Banking is primarily app and USSD based: customers use the U Bank Digital app for account banking and the UPaisa app (or *786#) for wallet services. There is no separate public web login portal, so account access happens through the mobile apps rather than a browser.

How to log in to U Microfinance Bank / UPaisa

Install the 'U Bank Digital' app (for bank accounts) or the 'UPaisa' app from Google Play or the App Store; UPaisa can also be reached by dialing *786#.
For UPaisa, register with your Ufone/mobile number and CNIC, or open a U Bank account at a branch to get internet/mobile banking credentials.
Open the app and enter your registered mobile number and password or MPIN.
Confirm the login with the One Time PIN (OTP) sent to your registered mobile number.
Once in, enable fingerprint/Face ID for faster and more secure future logins.

Reset your password / PIN

Use 'Forgot Password' / 'Forgot MPIN' inside the U Bank Digital or UPaisa app and verify the OTP sent to your registered number, or dial *786# for UPaisa PIN help. If you cannot recover access, call the U Bank 24/7 Call Centre.

New user? New users register in-app: UPaisa wallet accounts can be opened via the app or by dialing *786# with a mobile number and CNIC, while full U Bank accounts are opened at a branch and then linked to the U Bank Digital app.

Common U Microfinance Bank / UPaisa login problems & fixes

OTP not received during login or registration

Ensure the correct registered number has network signal and inbox space, wait 60 seconds and tap resend; on dual-SIM phones make sure the registered SIM is active for SMS.

Invalid credentials / account locked after wrong PIN attempts

Use the in-app 'Forgot Password/MPIN' option to reset, or call the 24/7 Call Centre at 051-111-282-265 to unlock the account.

App will not open or login screen keeps loading

Update the U Bank Digital / UPaisa app to the latest version, clear its cache, and retry on a stable internet connection; reinstall if the problem continues.

U Microfinance Bank / UPaisahelpline & contact

Helpline: 051-111-282-265 (Toll Free 0800-82265)

Frequently asked questions

What is the U Microfinance Bank login URL?

U Bank's official site is https://ubank.com.pk/ and UPaisa's is https://www.upaisa.com/, but actual account login is done inside the U Bank Digital app or the UPaisa app, not through a web login page.

Is UPaisa the same as a U Bank account?

No. UPaisa is the branchless banking mobile wallet run with Ufone, while a full U Bank account is a bank account opened at a branch; both are operated through U Bank's apps.

Can I use UPaisa without the app?

Yes, basic UPaisa services work by dialing *786# on any phone, but the app gives the full experience including transfers, bill payments and card management.

Official link last verified on 2026-07-06. If the portal has changed, please let us know.