Your Smart Banking Assistant, Leo
Chat with Leo on FB, WhatsApp or Instagram anytime, anywhere. Open a UBA account, send money, buy data & airtime, pay bills & more.
Send Money Across Africa in Seconds with PAPSS on Leo
Leo your chat banking buddy, now brings you PAPSS – the Pan-African Payment and Settlement System. With PAPSS on Leo, you can send money instantly, securely, and affordably to friends, family, and businesses across Africa — starting with Ghana.
Why Use PAPSS on Leo?
Instant Transfers
Send and receive money across African borders in seconds.
Affordable Rates
Enjoy lower transfer costs compared to traditional cross-border channels.
Secure Transactions
Bank-grade security keeps your money and information safe.
Seamless Chat Experience
No forms, no queues — just chat with Leo on WhatsApp, Facebook Messenger, or Instagram.
How It Works
- Say Hi to Leo
- Select ‘Send money’
- Select ‘Transfer across Africa’
- Pick beneficiary’s country & bank
- Choose the category the transaction belongs to
- Enter amount
- Confirm transaction and select account to be debited
- Download receipt and you’re done!
Be Among the First to Win ₦5,000
Make a PAPSS payment from Nigeria to Ghana with Leo and you could be among the first 1,000 customers to win ₦5,000 cash.
How to Qualify:
Make a successful PAPSS payment from Nigeria to Ghana using Leo.
Transactions must be completed within the promo period (10/8/25 – 10/10/25).
First 1,000 qualifying transactions win ₦5,000 each.
Frequently Asked Questions (FAQs)
What is PAPSS?
PAPSS (Pan-African Payment and Settlement System) is a cross-border payment platform that enables instant, secure, and affordable money transfers across Africa.
Who can use PAPSS on Leo?
All UBA customers with active accounts and access to Leo on WhatsApp, Facebook Messenger, or Instagram.
How long does it take for the recipient to get the money?
Transfers are processed instantly — typically within seconds.
Which countries can I send money to?
Currently, PAPSS on Leo supports payments from Nigeria to Ghana, with more African countries coming soon.
How much does it cost?
PAPSS offers lower transaction fees than most traditional cross-border payment channels.
How do I qualify for the ₦5,000 reward?
Simply be among the first 1,000 customers to successfully send money from Nigeria to Ghana via PAPSS on Leo within the promo period.
Where can I find Leo?
You can chat with Leo on WhatsApp, Facebook Messenger, or Instagram DM.
How Can Leo Assist You?
From transfers to balance checks, Leo is here to help with everyday banking needs. it's your personal financial assistant.
Bills Payment
Pay your electricity, water, and other bills in seconds—right from the chat.
Buy Data
Top up your mobile data instantly, wherever you are.
Fund Transfer
Send money to friends or family anytime, hassle-free.
Budgeting: Savings Plan & Spend Limit
Create a savings plan and set spending limits to manage your finances better.
Link & Fund Prepaid Card
Easily link and fund your prepaid cards for faster transactions.
Account Opening
Open a new UBA account in minutes—no paperwork required.
View Mini & Full Account Statements
Access your mini or detailed account statement with just a few taps.
Statement to Embassy/Other Banks
Need a formal statement? Send it directly to embassies, banks, other institutions.
Balance Enquiry
Stay on top of your finances—check your account balance anytime.
Link New Account
Connect a new account to your profile for seamless banking.
Tell You the Weather
Get real-time weather updates while handling your banking needs.
Banking Services
Request, stop, or confirm cheques. You can also block cards and freeze accounts.
Log & Track Complaints
Facing an issue? Log your complaint and track its status until it's resolved.
ATM/Branch Locator
Find the nearest UBA branch or ATM quickly.
Live Chat
Need help? Talk to a live agent anytime for support.
How to Use Leo
Follow these simple steps to get started with your personal banking assistant.
Start a Conversation
Simply click 'Start Chat' on your mobile device or desktop.
Ask Leo Your Question
Type in your request—whether it’s checking your balance or sending money.
Get Instant Help
Leo responds in real time, helping you with your banking needs.
Click to Chat with me on WhatsApp in your country
3m+
3 Million+ Users
Trusted by millions across Africa
4
4 Major Platforms
Available on your favorite apps
20+
African Countries
Serving communities nationwide
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Now in 3D
Experience it a whole new dimension
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Fluent in 4 Languages
English, French, Portuguese, and Swahili
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Frequently asked questions
Have a question about Leo? We've got you covered. Check out our frequently asked questions below.
What is Leo?
Leo is UBA’s AI-powered digital banking assistant that helps with banking tasks such as balance checks, fund transfers, and bill payments via social media platforms like Facebook and WhatsApp.
Which platforms can I access Leo on?
Leo is available on Facebook Messenger, Apple iMessage, WhatsApp, and Instagram.
What transactions can I perform with Leo?
You can check balances, transfer funds, pay bills, manage accounts, and open new accounts with Leo.
Is Leo available 24/7?
Yes, Leo operates 24/7 for banking assistance.
In which languages does Leo operate?
Leo supports English, French, Portuguese, and Swahili.