January 26, 2015
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The payment solution delivers real-time processing of payments and transfers across banks thereby eliminating the need for writing cheques, incidence of frauds related to cash, and more importantly delivering operational efficiency. This saves businesses and government cost and time. It delivers a solution for reconciliation and management reporting.

It is a secure web based payment solution that enables authorized access through assignment of requisite privileges to varying levels of hierarchy thereby maintaining desired level of security controls for effective corporate governance. Also, the solution will maintain confidentiality and integrity of customer’s sensitive financial information. It gives the corporate control of its account for various types of payments and Direct Debit Initiation (DDI) 

The specific payment services we offer include:

  • Salary Payments
  • Vendor/invoice payments
  • Pension payments
  • Tax payments
  • Awards (bursaries, scholarships, etc)
  • Payroll card payments
  • ERP integration to customer’s ERP and accounting systems.

Features / Benefits
  • The features of the PayManager solution include the following
  • Simply automates existing payment authorization process
  • Maker-Checker structure and workflow accommodate multiple signatories before payment
  • Web-based feature allows customer to use PayManager from any location with internet access
  • Source accounts of customers can be in UBA or any other bank
  • Instant debit of source account to pay vendor or third party accounts in any bank world wide
  • Payment can be made in local or foreign currencies (USD, Euro, GBP)
  • Comprehensive reports on all transactions
  • Data entry using file upload, onscreen data entry module and libraries
  • Standing order capability to make one time or repeat payment in the future
  • Allows for integration with client’s Core Business Applications
The Value proposition offered to the Customer:
  • Eliminates manual production of cheques 
  • Gives instant value to beneficiaries 
  • International transfers to any country from the comfort of customer’s office
  • Increases internal efficiency of organization
  • Eliminates fraud

  • A UBA Account, which could be a savings, current or domiciliary account.
  • Internet Access on a Computer, Tablet or Smartphone
  • A Completed Enrollment Form
Interest Rates
  • No Interest rates apply for using UBA's Internet Banking Service
Terms & Conditions
  • Limit of N500,000.00 per transfer, N2m per Day for Individuals
  • Limit of N500,000.00 per transfer, N5m per Day for Corporate Customers
  • Your e-mail address and Mobile phone number must be the one registered with the bank
Related / Complementary Products
  • U-Mobile
  • UBA Prepaid Card

  • Paying Bills: N50.00
  • Load UBA Prepaid Card: FREE
  • Sending Money to Anyone at UBA Business Office: N200.00
  • Sending Money to other UBA Accounts: FREE
  • Charges for Sending Money to other Banks
    • Below N500,000.00 - N141.75
    • Between N500,000.00 & N1m - N210.00
    • Between N1m & N10m - N525.00
    • Above N10m - N630.00


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 going to, clicking on U-Direct to visit the product page and clicking on the link for enrollment over the internet, you would require the latest of Adobe reader on your PC and  an image of an acceptable means of identification to apply.
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 homepage, 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.