Banking, Simplified.
Check your balance, pay for services, open accounts, deposits, loans, get help in chat 24/7 and much more - in your smartphone.
Quick Transfers
Transfer funds instantly to UBA or other banks with a few taps.
Account Monitoring
View balances and transaction history for better control.
Bills & Utilities
Pay bills, recharge airtime, and manage subscriptions easily.
Security You Can Trust
Advanced security keeps your data and transactions safe.
Personalised Experience
Customize notifications, quick actions, and account insights.
How to Sign Up
Follow these simple steps to get started with your personal banking assistant.
Click here to view the user guide
Download the UBA Mobile App
Find and install the UBA Mobile App from your preferred app store – it’s free to download and quick to set up.
Register Your Account
Open the app, then register by entering your UBA account number or card details.
Verify and Customise
Complete a simple verification process to secure your app. Customise settings and notifications to personalise your experience.
Start Banking on the Go
You’re ready to manage your finances anytime, anywhere. Log in and explore all the features at your fingertips!
Launch the Mobile App
Select New User or Existing User
Select Your Country
Choose Preferred Enrolment Method
Accept Terms and Conditions
Enter Your Card Details and Confirm
Enter the OTP Sent to your Registered Phone Number to Continue
Set Your Access Passcode
Set Your Six Digit Transaction PIN
For Extra Security and Fast Access, Set Your Face ID
How to Setup Cardless Withdrawal
Withdraw cash anytime without your debit card. Use Cardless Withdrawal on the UBA Mobile App.
Open the App and Select “Cardless Withdrawal"
Choose “Self Cardless Withdrawal"
Enter Your Details, Review and Confirm
Authenticate Your Transaction
Enable Biometric Settings
Click Ok
Frequently Asked Questions (FAQs)
Can I still log in with Username and Password?
No. Username and Password login has been removed.
You will now log in using:
- • Your 6-digit Access Passcode, or
- • Biometrics (Fingerprint/Face ID)
What is an Access Passcode?
The Access Passcode is a 6-digit code you create after setup. It replaces your password and is used to securely log in to the app.
What if I change my phone?
- • Install the app on your new phone; click here to install
- • Verify using your debit card details + PIN • Enter OTP
- • Create a new passcode
What happens if I enter the wrong transaction PIN?
You have 3 attempts. After 3 failed attempts, your account will be locked. You will need to contact support or visit a branch.
Why am I seeing new messages or interface changes?
The app has been updated with improved text clarity, guidance messages, and minor UI enhancements to provide a better user experience.
I forgot my Access Passcode. What should I do?
- • Tap “Forgot Passcode” on the login screen
- • Enter your Transaction PIN
- • Verify with OTP
- • Create a new passcode
What is 2FA and when is it required?
2FA (Two-Factor Authentication) adds an extra layer of security
It is required for transfers of ₦200,000 and above, using:
- • OTP, or
- • Secure Pass/Token, or
- • Biometrics
Can I still use my old phone after setting up a new one?
No. Once you complete setup on a new device, your old device is automatically deactivated for security reasons.
Who do I contact if I experience issues?
Please contact the Customer Fulfilment Centre (CFC) or visit the nearest UBA branch for support
What has changed on the mobile app?
We have enhanced the security of transactions on our mobile app. Depending on the value of your transaction, additional authentication steps may be required to better protect your account.
Do I need to memorise the new authentication rules?
No. The mobile app will automatically guide you through the required authentication steps for each transaction.
Why am I being asked for more than just my PIN?
For higher-value transactions, additional verification (such as OTP, Token, or Biometrics) is required to provide extra protection and prevent unauthorised access to your account.
What authentication methods are used?
You may be asked to use one or more of the following:
• PIN
• OTP (One-Time Password sent to your registered phone number)
• Token (Secure Pass app)
• Biometrics (Fingerprint or Face ID, if enabled on your device)
What is the Token (Secure Pass)?
The Token (Secure Pass) is a secure mobile application that generates authentication codes required to complete certain transactions, especially higher-value transfers.
Do I need the Token to complete transactions?
Yes, for certain transaction amounts (particularly higher-value transfers), the Token is required as part of the authentication process.
How do I set up the Token (Secure Pass)?
To set up your Token:
1. Download UBA Secure Pass from the Google Play Store or Apple App Store
2. Open the app and enter your Internet Banking User ID
3. Select your account country
4. Enter the OTP sent to your registered phone number
5. Follow the prompts to install and activate your Token
6. Create your passcode
Your Token will then be ready for use.
Why is my transaction not going through?
This may happen if:
• The required authentication method (e.g., Token) is not set up
• OTP is incorrect or delayed
• Biometrics is not enabled on your device
Please ensure all required authentication methods are properly set up.
I am not receiving my OTP. What should I do?
• Check your network connection
• Confirm your registered phone number is active
• Wait a few seconds and try again
• If the issue persists, please contact our support team
Can I use biometrics instead of OTP or Token?
Yes, for eligible transactions, you can use biometrics (Fingerprint or Face ID) if your device supports it and it is enabled on your mobile app.
Why are different authentication methods required for different transaction amounts?
Higher transaction amounts carry higher risk, so additional layers of security are applied to ensure your funds remain protected.
New authentication requirements
| Transaction Amount | Authentication Options |
|---|---|
| Up to ₦200,000 | PIN or Token |
| Above ₦200,000 – ₦250,000 | PIN + OTP or PIN + Biometric or PIN + Token |
| Above ₦250,000 – ₦500,000 | PIN + OTP or PIN + Token |
| Above ₦500,000 – ₦10,000,000 | PIN + Token |
| Above ₦10,000,000 | PIN + Token + Biometric |
Can I still make transfers using other channels?
Yes, you can also use any of our alternative channels:
• Internet Banking
• USSD: *919#
• Leo (WhatsApp): +234 903 001 0007
• ATMs & POS terminals
• Cards for payments and withdrawals
Is there an issue with the mobile app?
No. These changes are part of a planned security upgrade designed to enhance the safety of your transactions.
What if I still need help?
If you require further assistance, please contact our Customer Support via:
• Contact Centre: 0700 225 5822
• Email: cfc@ubagroup.com
How does this benefit me?
These enhancements:
• Improve the security of your transactions
• Protect your account from unauthorised access
• Provide a safer and more reliable banking experience
We are here to help
Are you looking for information about services, products or your account? Please choose your local UBA Website.
