Frequently Asked Questions

We aim to help you through the banking process and also provide answers about our products & services

We are here to answer all questions

Having issues or difficulties accessing or understanding your account? Here are few questions that are recently asked. 

Frequently Asked Questions

Please confirm what limit is applicable to you from the table above. You may need to give an instruction and execute indemnity at any of our Business Office for higher limits

You can enroll on Internet Banking without visiting a UBA Business Office by clicking on download at the top of this page and clicking on the link for enrollment over the internet, you would require the latest version of Adobe reader on your PC and an image of an acceptable means of identification to apply. The form can be returned via email, by sending the completed form to:

There are flexible options for enrollment/registration. They include:

  • Instant Self-Registration – with your debit card, individual customers can start and finish enrollment from our Internet Banking login page by clicking Instant Self-Registration button. It takes about 40s to complete this process!
  • Enrollment with Virtual Enrollment Form – There is also another option for both individuals and corporates to enroll with the interactive online PDF forms. The link to the forms are pasted below:
  • Enrollment through our Business Offices – You can walk into any of our Business Offices to fill a form to be enrolled on Internet Banking. Corporate customers can also give instruction on their letterhead to RMs or Business Offices to enroll their desired users – there is no limit to the number of users who can be enrolled under a corporate user

Yes, when you enroll for UBA’s Internet Banking Service, Internet Banking, 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.

On Internet Banking Home Page, https://ibank.ub, please click on forgot your password? Link, enter your Internet Banking 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.

Getting started again is easy! Click forgot user ID? To retrieve your user ID, then, click forgot password? to retrieve your password. Now, you are good to go

Please click the link Internet Banking Quick Guide for more info. If you need further assistance, kindly contact

Retail Limits

Token TypeIndemnity in PlaceTransaction Value-datePer TranxPer Day
One Time Password (OTP)N/AInstant200k200k
Secure Pass(Hard/Soft)NoInstant1M1M
Secure Pass(Hard/Soft)YesInstant2.5M5M
Secure Pass(Hard/Soft)YesNEFT2.5M10M

Corporate Limits

Token TypeIndemnity in PlaceTransaction Value-dateBusiness Segment Per TranxPer Day
One Time Password (OTP)N/AN/AN/AN/A
Secure Pass(Hard/Soft)NoInstantAll Segment10M10M
Secure Pass(Hard/Soft)YesInstantSME I100M100M
Secure Pass(Hard/Soft)YesInstantSME II100M500M
Secure Pass(Hard/Soft)YesInstantMedium Corporate100M1B
Secure Pass(Hard/Soft)YesInstantLarge Corporate100M1B and Above
Secure Pass(Hard/Soft)YesNEFTAll Segments100M100M

Our Internet Banking is very secure, we have gone to great extent to protect you and your funds when using Internet Banking, you have two level authentication (password + token) available each time you transact on Internet Banking, we have also introduced an Image and Phrase Security feature to guard against phished site.  In Addition, there’s the virtual keyboard for use on open networks and public spaces so that key loggers will not capture your details.

Internet Banking is protected with the best-in-class security technology. To further protect your profile, do not share your credentials with anyone, do not click on any suspicious link, when you are in doubt, always contact

Internet Banking can be accessed from any internet-enabled devices – computer, laptop, smart phones etc. via For ease of access and use, you can download Internet Banking apps from stores.

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.

If you desire a hard token, you can get it at any UBA Business Office and it costs 2,500 Naira. For more flexibility, U-Token is available for free in apps stores for download and instant activation for your transactions.

You can change your USER ID anytime you wish. Kindly click on My profile >>> Security settings >>> Update My User ID. Authenticate with Secure pass / Token and click submit.