Digital Banking Solutions

Get a reliable and convenient way of receiving money for goods and services

It takes a supportive partner like UBA to grow a business

UBA SME Business account is in three variants. We provide you with the exact help your business needs. There is nothing too small or too big to achieve with us. With UBA your dreams, plans and goals for your business can be achieved.


UBA Self Service Moneytor

The UBA Self Service Moneytor is an end-to-end solution that completely automates the processes for business owners to request a new POS terminal (or more), perform reconciliation, review settlements, respond to disputes and to generally have the right overview of business transactions in real time.

  • ✔ Monitor customer transactions across all your POS terminals in real time from wherever you are
  • ✔ Get automatic settlements and transaction reports
  • ✔ Request for a new POS terminal without having to visit a branch
  • ✔ Respond to customer disputes quickly and easily in real time
  • ✔ Monitor the health of your POS devices remotely
  • ✔ Monitor your active and inactive terminals in real time.

UBA Business Direct

UBA Business Direct is the online portal for cash management and transaction banking.




Get a more reliable and convenient way of paying for goods and services via our POS. The Point of Sale terminal is a portable device that facilitates payments for goods and services at merchant locations using payment cards issued by banks. 

UBA POS terminal provides a reliable,  convenient & well-automated way of making and processing payment online as value is credited merchant accounts in real time.

  • ✔ Easy and reliable purchase payment at all point
  • ✔ Accepts all cards (Visa, MasterCard, Verve)
  • ✔ Accepts International MasterCard & Visa Cards
  • ✔ Balance Enquiry and End of day
  • ✔ Accepts all Cards Other Value Added Services (Bill Payments, Air time vending, DCC)
  • ✔ Provides the customer with freedom and decrease in risk of fraud.
  • ✔ Provides a quick and instant payment process and payment confirmation.
  • ✔ Reduces the cost of handling equipment and receipts equipment.
  • ✔ Security against theft and pilferage by staffs.
  • ✔ Minimises cash handling.


mCash is a USSD solution designed to allow UBA Merchants to conveniently receive payments from their customers without actually handling cash. Payers/Customers simply dial *402* merchant code*amount# to make payments.

The Seller will be required to have a Seller Code.

Please contact your account officer or send a mail to to generate an mCash merchant code.



QR Codes

The UBA Master Pass QR CODE is a payment solution that allows customers to pay for goods and services using mobile phones at merchant outlets. Masterpass QR is secure, smart and easy, providing a cost-effective alternative to cash payments. Masterpass QR uses your own bank’s mobile banking application to allow you to make payments securely from your bank account Please contact your account officer or send a mail to to generate a merchant code.

Company expense card (Prepaid)

The UBA Corporate Debit Card is the easiest way to pay for bills and manage corporate business expenses without writing or issuing company cheques, which makes account reconciliation stress free.

  • ✔ The Corporate Debit Card is the easiest way to manage corporate expenses and stay compliant in the new cash-lite society.
  • ✔ It is a debit card linked directly to a corporate account. It is EMV chip-enabled, driven by a PIN and can be used to make everyday purchases as well as withdraw money at ATMs.
  • ✔ It can be linked to a corporate account denominated in Naira only
  • ✔ It requires a Personal Identification Number (PIN) for all transactions
  • ✔ It is an EMV secured microchip and PIN debit card
  • ✔ Corporate organizations can define transaction restrictions based on terminal type (POS, ATM, etc.) and amount
  • ✔ Shape company-wide expenses by choosing how your cardholders (staff) use their cards
  • ✔ Regular Management Information reports sent to you to help analyze expenses more efficiently
  • ✔ Avoid high foreign exchange costs by choosing to pay in Naira
  • ✔ Retailer details appear in your statement, so account reconciliation is easier
  • ✔There’s chip and PIN protection for POS purchases and ATM transactions, VbyV and SecureCode when buying online

Click here to see how to apply for a card


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