Find Leo on Apple Business Chat

Hi, I’m Leo, your financial assistant.
Tell me your banking needs and I will get it done.
Let’s talk on Apple Business Chat.

This hides get live help

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I’m here for you, if you just want to talk or Check the Weather, Request a Mini statement, Send statements to embassies, and a lot more.

Bring it all

When you’ve got me, you can link as many accounts as you like. You’ve got nothing to worry about, I’ll manage them securely and authenticate your transactions via an encrypted login page.

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You’ve got a friend in Leo

Got the skills
to pay the bills

Just pick the bill and I’ll help you pay.

Service TypeFee Charge
Apple Business Chat Subscription chargeN100 Monthly
(1st Month is free)
Self EnrollmentFree
Account OpeningFree
Create/Reset PINFree
Check BalanceFree
Airtime Top-upFree
Send Money UBA to UBAFree
Send Money to Other banksN52.50
Loading Prepaid CardN100
Bills PaymentN105

Get in on
the action

Chat with me to get the latest Football highlights, fixtures and results.

If you’re awake,
I am too!

You can talk to me at the wee hours and all day long if you need support or quick resolution.

Frequently Asked Questions

LEO Apple Business Chat is an instant messaging service developed by UBA for Businesses. This service enables users sends messages over the Internet to the Leo, using their data. UBA Customers can carry out their basic banking and financial needs via an interactive and fun text as though they are texting with a friend. The service only works when the user has an Internet connection.

The platform is available to everyone that has an Apple Device – Both UBA and non-UBA customers. 
Note: As an existing UBA customer, you must be enrolled on SMS alert to enjoy this service.

To Activate Apple Business Chat on your iOS Device, go to your device Settings, select messages and turn on the Messages app service. Once activated, you can proceed with chatting Leo

You can open a UBA account on Leo ABC. It is easy and instant and the account can receive funds and transact immediately. No need to visit any UBA Business Office.

Note: A maximum of N50, 000 can be deposited into the new account at once and the account can only have a maximum of N300, 000 operating balance. For you to enjoy higher transaction limits, you will have to visit a UBA Business Office

Absolutely YES! You can enjoy more banking freedom of doing your banking transactions on the Apple Business Chat just by chatting with LEO.

The services available include: Balance Enquiry Check Balance, Mini Statement, Send Money, Prepaid card Funding, Buy Airtime, open a UBA Account, ATM/Branch locator, Complaints and other Banking Services.

The applicable charges are as tabulated below

Transaction/Service TypeFee Charge
ABC Subscription chargeN100 Monthly (1st Month is free)
Inter Bank Transfer
N/B: Staff account is free
Loading Prepaid CardN100
Account OpeningFree
Intra-Bank TransferFree
Airtime PurchaseFree
Check BalanceFree
Mini StatementFree
Bill PaymentN105
Statement to EmbassyN1,050 + (N21 *no of pages)
Statement to Other BanksN42
Transaction TypeAuthenticationDaily limit
Transfers & Bill paymentsPINMaximum N20,000
Transfers & Bill paymentsPIN + OTPMax. N200,000
Transfers & Bill paymentsSecure PassUp to N1,000,000 daily
Airtime Top-upPIN/OTP/
Secure Pass
Min of N100
Max. of N10,000
Other Services:
• Check Balance
• Mini Statement

If you open an online account on Leo, your limit is N50k per transaction. If you are unable to create PIN, then you will be limited to N10k per day using just OTP.
Note: Limits are subject to regulations and can be changed with/without notice

There is no maximum number of accounts that can be linked to the Leo Apple Business Chat profile provided the Customer ID or mobile number on all the accounts are the same.

Just type complaint on Leo Apple Business Chat interface and select the category (ATM Withdrawal, Money Transfer and Airtime Purchase), input the transaction details of the failed transaction, then a ticket ID will be generated to enable you track your complaint and expected TAT will also be advised.

You can request/stop/confirm Cheques, Lodge & Track complaints, Block card, profile your card when travelling abroad.

Leo on Apple Business Chat is protected with the best in-class security technology. It is safe and secure. To further protect your profile, do not share your Transaction Authentication Pin detail with a third party and your phone should be password protected. When in doubt, contact

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