April 24, 2014
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Personal Banking
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With U-Direct, UBA’s Online Banking Service, You can have access to many banking services and take your bank with you everywhere you have access to the internet from a computer, tablet or Smartphone at anytime.


With U-Direct, you can complete the most frequent transactions that occur in the banking hall, including:

Check Your Account Balance
Request Your Account Statement
Pay Your Utility Bills
Send Money to other Accounts, within UBA and in Other Banks, Online, Real time
Send Money to Anyone with an Acceptable I.D & close to any UBA Business Office
Load Funds on Your UBA Prepaid Card

An active UBA account
Internet Access (computer, tablet or smart phone)
A completed enrollment form

Terms and Conditions

Your email address & phone number must match the information on record for you
Limit of N100,000.00 per Transaction and per Day when using Soft Token
When using Physical Token, you can do up to:
Individual Account Holders:  N1Million per Transaction and N5Million per Day
Corporate Account Holders:  N1Million per Transaction and N10Million per Day   
Airtime Topup------------------------      FREE
UBA to UBA Transfer ------------       FREE
Monthly Access Fee-------------      FREE

Instant Interbank Transfer
Less than N9.99m ------------------       N157.50
More than N10m-------------------       N367.50

24 Hours Interbank Transfer
Less than N9.99m ------------------       N141.75
More than N10m-------------------       N367.50

Bill Payment -------------------------       N50.00


I am interested in UBA’s Internet Banking Service, but I am not in a country with UBA Presence, how do I enroll?
You can enroll on U-Direct without visiting a UBA Business Office by clicking on download at the top of this page and clicking on the link for enrollment over the internet, you would require the latest version of Adobe reader on your PC and an image of an acceptable means of identification to apply. The form can be returned via email, by sending the completed form to :

I have received my login credentials with a PDF Attached to it in my inbox, how do I access my login credentials?
In Nigeria, all accounts use the NUBAN system, all accounts are 10 digits, your login credentials are in the PDF attached to the mail you received, the PDF has been pass-coded using the last 7 digits of ANY of your 10 digit account numbers with UBA Plc, as a hint, the last 3 digits of the account used is stated in the body of the e-mail you received.

Can I view all my accounts with UBA Plc using one Internet Banking login ID?
Yes, when you enroll for UBA’s Internet Banking Service, U-Direct, You Can specify which accounts you want access to over the internet and can have access to all of them using one single user ID.

How Secure Am I When Using U-Direct?
You are very secure when using U-Direct, we have gone to great extent to protect you and your funds when using U-Direct, you have two level authentication (password + token) available each time you transact on U-Direct, In Addition, there’s the virtual keyboard for use on open networks and public spaces so that key loggers will not capture your details.

How Do I Reset my Password?
On U-Direct Home Page, , please click on forgot your password? Link, enter your U-Direct USER ID on next screen and submit, then provide an answer to any security question set by you and a new password is automatically generated and sent to your registered e-mail address.