You Serve the Nation. We’re Here to Support You.
Enjoy exclusive banking benefits with the UBA Civil Servant Account, tailored to meet the financial needs of Federal and State Government workers (Grade Levels 1–14).
Key Benefits
- Free Debit Card: No issuance fee
- 3 Months No Transaction Fees: Free intra-bank and inter-bank transfers
- 2% Interest Rate Concession: Reduced loan rates
- Loan Buy-Back Option: Refinance existing loans from other banks with ease
Why Choose This Account?
- Tailored to civil servants
- Accessible in all UBA branches nationwide
- Eligible for loan access after 6 months of consistent account activity
- Supported by a trusted financial partner
How to Open the Account
- Visit any UBA branch near you
- Provide a valid ID and employment proof (staff ID or letter)
- Request for the account to be opened under the CAEPU scheme code
- Your account will be activated for all benefits listed
USA Enrolment Center
- Eligibility - This package is available only to verified Federal and State Government employees within Grade Levels 1–14. You must provide valid identification and proof of employment during onboarding.
- Account Operations - Account must be opened under the CAEPU salary scheme code to access associated benefits. Account must be consistently funded via salary for certain features to apply.
- Free Debit Card - One free debit card is issued per eligible account. Replacement cards may attract standard fees.
- Zero Transaction Fees - Waived intra-bank and inter-bank transfer fees are valid for 3 months from date of account opening.
- Loan Access - To access personal or asset finance loans, the account must have been operated for a minimum of 6 months with consistent salary inflow. Loan offers are subject to credit checks, repayment capacity, and UBA’s internal lending criteria.
- Loan Buy - Back Option - Eligible customers may request refinancing of existing loans from other banks through UBA, subject to credit approval and documentation.
- Interest Rate Concession - A 2% interest concession applies only to eligible loans under the civil servant scheme.
- General Terms - UBA reserves the right to review, modify, or discontinue features of the Civil Servant Account at its discretion with prior notice. All account holders are subject to UBA’s general banking terms and regulatory compliance requirements.
Want to open a Civil Servant Account or apply for a loan?
Let us reach out to you.
Frequently Asked Questions
Who is eligible for the UBA Civil Servant Account?
Federal and State Government employees within Grade Levels 1–14.
What documents do I need to open the account?
Valid ID, passport photo, and proof of employment.
What is the CAEPU scheme?
It’s a salary scheme code for civil servants that unlocks all package benefits.
What’s the benefit of the 2% interest concession?
It makes your loan repayment lighter and more affordable.
Can UBA take over my existing loan?
Yes, the Loan Buy-Back lets you refinance under UBA’s civil servant-friendly terms.
How long is the no transaction fee period?
3 months from account opening.
Can I migrate my existing UBA salary account?
Yes, visit your branch and request a migration to the CAEPU scheme.
Can I open the account online?
At this time, FXMart only deals with the three major world currencies, US Dollar, British Pounds and the Euro.
How soon can I access a loan after opening the account?
Your UBA Civil Servant Account must be active and consistently funded (through salary) for a minimum of 6 months.