Meet the United Bank for Africa

Discover United Bank for Africa (UBA)

United Bank for Africa began as a commercial bank focused on the African market and has since grown into a pan-African banking group with a presence in multiple countries and international offices.

The group aims to connect African customers to global markets while providing accessible banking products and services for individuals, entrepreneurs and corporations.

UBA has invested substantially in digital channels and customer experience, offering mobile apps, internet banking, USSD and digital assistants that make everyday banking tasks — from balance checks to transfers and bill payments — fast and convenient.

With an extensive network of branches and ATMs across its operating countries, combined with a strong digital platform, UBA provides customers the convenience of online banking and the reassurance of in-branch support when needed.

UBA Products Reviewed by Medupi

Fees and Commissions

Reward Programs and Benfits

Being a UBA customer comes with several advantages that go beyond basic banking. The bank provides loyalty and rewards where available, as well as tailored partner offers that add value to everyday spending.

Customers benefit from digital banking conveniences like instant transfers, easy bill payments, and multi-currency accounts in some markets — features that simplify day-to-day money management and international transactions.

Businesses and premium customers can access priority relationship management, tailored corporate solutions, trade finance, and specialized investment or wealth management products designed to meet more sophisticated financial needs.

Account Opening Requirements

Opening an account with UBA varies by country, but the general requirements remain the same. You will typically need valid identification such as a national ID or passport, proof of address, and a working phone number.

In addition, customers must complete KYC documentation according to the regulatory standards of each market. These steps ensure secure and compliant account creation.

Some UBA subsidiaries allow fully digital account opening through the mobile app or internet banking, while others may require an in-branch visit depending on local rules and the type of account requested.

How to Open an Account

With your documents prepared, opening a UBA account is usually straightforward and can be completed through the bank’s digital channels or at a physical branch.

Download the App or Visit the Website: Start by downloading the UBA mobile app or accessing the UBA internet banking portal to begin your application.

Complete the Application: Fill in your personal information, upload your identification documents, and provide proof of address where required.

Verify Your Identity: Follow the verification steps requested — this may include taking an in-app selfie, submitting biometric verification, or completing an in-branch identity check depending on your location.

Choose Your Account Type: Select the UBA account option that best fits your needs, whether it’s a savings account, current account, or a specialized package.

Submit Additional Details: Provide employment information, income details, or next-of-kin data if required for full account activation.

Set Up Your Security Features: Create your PIN, set security questions, and enable two-factor authentication for added protection.

Start Banking: Once approved, your account becomes active immediately. You can begin using online and mobile banking features, access your virtual card, and perform transactions right away.

Customer Experience: What to Expect

UBA focuses on delivering a smooth customer experience across both digital and physical channels, ensuring that clients can access services in the way that suits them best. Its mobile app and internet banking platforms are designed with intuitive navigation, allowing users to handle their finances with ease.

Through these digital tools, customers can perform everyday tasks such as transfers, bill payments, airtime and data purchases, and complete account management in just a few simple steps. This level of convenience helps streamline banking and reduces the need for in-branch visits.

For those who prefer additional flexibility, the bank also offers self-service options like USSD codes in certain markets, alongside 24/7 support channels. UBA’s wide branch network complements its digital services, ensuring that in-person assistance is always available when needed.

Advantages of Choosing UBA

By choosing UBA, you’re selecting a bank with pan-African reach and international connectivity — useful for customers who need cross-border services and multi-market support.

Comprehensive Digital Tools: A strong suite of digital banking services, including mobile apps, internet banking and USSD, means you can bank conveniently even without continuous data access in some regions.

Business and Corporate Services: The group offers cash management, trade finance, foreign exchange and tailored corporate solutions for SMEs and large enterprises.

International Reach: UBA’s presence in multiple African markets plus offices in major global financial centers enables easier international transactions and trade facilitation.

Competitive Product Range: Personal accounts, savings, cards, loans, and investment products are available across various markets to suit different customer profiles.

Security and Compliance: The bank adheres to local regulatory requirements and implements security controls across its digital platforms to protect customer data and transactions.

Data Protection and Security

Protecting customer data is a priority for UBA. The bank implements security measures such as encryption, multi-factor authentication, device recognition, and transaction monitoring to detect suspicious activity.

Within the mobile app and internet banking, customers can enable security options and receive real-time alerts to help prevent unauthorized transactions and manage card controls.

For additional protection, UBA provides guidance on safe banking practices and channels to report lost or compromised cards or accounts in each operating market.

Contact UBA

If you need assistance or have any questions about United Bank for Africa (UBA) services, you can reach the bank through the following support channels:

Head Office: +234 02012808822
Email: [email protected]

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