UBgo

Welcome to UBGO. Your unified digital banking experience. Secure, seamless, and smarter—available on any device, anywhere.

Digital Banking

Feature	Description
Signing Up	Open a new LKR account with Video KYC (VKYC) directly from the UBGO app from anywhere in the world.
Opening Accounts	The following accounts can be opened within a few minutes: Savings Account Zero Interest Account Money Market Account Fixed Deposit (Receive an additional interest rate by opening on UBGO)
Real-time Fund Transfers	Fund transfers to any account at Union Bank and other bank accounts through CEFTS.
Just Pay Top-Up (Powered by LankaPay)	Instantly pull funds from any other bank account into your Union Bank account. Enhanced security for unauthorized access to other bank accounts through Mobile Number Verification (MNV).
Unified Payments	Pay utility bills and insurance premiums. Government payments (taxes, fines, licensing fees, etc.) to over 1000 government institutions through “GovPay”.
Peer-to-Peer (P2P) Payments & Social Billing	Create your own QR for peer-to-peer payments. Pay to mobile number facility (for Union Bank accounts only). Split bills and request money from any contact on your phone with a Union Bank account.
LankaQR Payments (Mobile App Exclusive)	Avoid the hassle of carrying cash. Scan and pay instantly at LankaQR merchants island-wide.
Total Control	Manage your credit card and schedule any payments within Union Bank or to other banks.
Inquiries	Account balance, transaction history, loan inquiry, e-statements, cheque status, and float inquiry.
Smart Requests	Order cheque books, request statements, loan top-ups, new loans, and leases.
Security & Trust	Biometric Shield: Face ID and Fingerprint login for the app. Dual Authentication: Secure OTP/Email verification for all transactions with customizable limits. Real-time Alerts: Instant push/SMS/Email notifications for every transaction.
General Services	Branch / CDM / ATM locator Interest rates / Exchange rates Promotions and Offers Train Ticket Booking through Sri Lanka Railways Location-based weather updates and news

How to register

Registration is free of charge.
You should have an active Union Bank personal savings or current account.
Existing Union Bank customers can register by simply visiting

https://www.ubdirect.com/

and following the below path:
- Online Banking Personal “Login” > Signup >
  Registration Method – select “Union Bank Customer”.
Non-Union Bank Customers
- Can open a New Savings Account (LKR) easily from anywhere and register for mobile & online banking by simply visiting
  
  https://www.ubdirect.com/
  
  and following the below path:
- Online Banking Personal “Login” > Signup >
  Registration Method – select “New User”.