UBA Bank USSD Banking Codes, Loan, Customer Care

What Is UBA Bank Swift Code

United Bank for Africa, popularly called UBA is one of Nigeria’s finest multinational financial institutions. UBA Bank is one of the biggest banks in Africa and they specialize in Internet banking, Mobile Banking, Wholesale Banking, Corporate Banking, Investment Banking, Consumer Banking, Internet Banking & Asset Management services.

In this post, you’ll discover all you need to know about UBA Bank. From UBA simple banking codes to UBA Leo AI, UBA Bank Branches, Codes, and Customer Care. I will also cut out time to go over a few details in UBA mobile banking, UBA online details, the owners of Uba bank, and more.

Before we give you details about UBA bank USSD, let’s go over some facts and accomplishments so that you understand the value of this institution.

Brief History of United Bank for Africa

United Bank for Africa, also known as UBA, is a Nigeria-based bank that operates in 19 African nations. As of 2021, the company had over 428 branches and more than 600 ATMs and PoS terminals across the continent. Headquartered in Lagos, Nigeria, UBA offers mortgages, credit cards, consumer loans, and wealth management services, as well as insurance and investment products.
The company has a market capitalization of ₦264.42 billion ($587,153,340) (as of January 2018) and ranks as one of the largest banks in sub-Saharan Africa by assets.


UBA was founded in 1948 and incorporated on the 23rd of February 1961. It was created to control the business activities of the British and French Bank Limited (BFB). The United Bank of Africa eventually listed its shares on the Nigerian Stock Exchange (NSE) in 1970.

United Bank for Africa is the first Nigerian bank to start a GDR program, open a MoneyGram location in Nigeria, use Visa Dual Currency Debit Card, obtain a ₦1 trillion balance sheet size, and accomplish other remarkable feats that won’t be mentioned in this post.

The United Bank for Africa Plc is undoubtedly one of Africa’s largest and oldest financial institutions. It has branches operating in more than 19 African countries including Nigeria, Chad, Cote D’Ivoire, Ghana, Liberia, Senegal, Uganda, Burkina Faso, Congo, Guinea, Conakry, Kenya, Mali, Sierra Leone, Zambia, Cameroon, Congo DRC, Gabon, Mozambique, and Tanzania.

UBA bank also has three Global/International financial centers located in New York, London, and Paris.

UBA has over 14,000,000 active customers, 20,000 professional staff, and over 1,000 business offices working to make customers happy.

It is also nice to note that UBA is the 1st Nigerian-headquartered bank to start a Global Depository Receipts System. The United Bank for Africa Plc is also the 1st bank in Africa to use an artificial intelligence Virtual Banking Robot.

UBA has also pioneered a lot of outstanding programs and ideas in the Nigerian Banking System.

The United Bank for Africa Plc Chairman & Executives

Tony O. Elumelu, C.O.N is the current chairman of the UBA group.

Mr. Oliver Alawuba is the Current CEO/Managing Director of the group, supported by a board of directors of over 12 members including Angela Aneke, Alhaji Abdulqadir Jeli Bello, Kolawole B. Jamodu (OFR), Erelu Angela Adebayo, Emeke E. Iweriebor, Isaac Olukayode Fasola…

The United Bank for Africa Banking headquarters is located at 57 Marina, Lagos Island, Lagos, Nigeria.


The Magic of Banking With the United Bank for Africa Smart Codes

The United Bank of Africa provides a variety of useful mobile banking services, allowing you to complete certain activities through their mobile platform. Some of these include making payments to other accounts, transferring money between different accounts in your name, paying bills, and buying airtime for any device with a USSD code.

What is the USSD Code For UBA?

UBA Bank USSD banking code is *919#

By dialing *919#, you can access all of UBA bank’s financial services even if your phone doesn’t have access to connect to the internet. Creating a UBA account is easy, but before you are granted access to UBA mobile banking service via the USSD code, you need to first register and activate the code for the transaction.

*919# is the three-digit code that you can easily use to control your entire UBA banking framework available for you. Using this UBA Magic Banking Self Service Code you can make encrypted transactions, anytime, anywhere, and on any device.

For a convenient and efficient way to access your account and do banking, the United Bank of Africa offers you the option of using USSD codes. USSD codes are used in GSM mobile devices. Once you key in the appropriate codes, they will lead you to different options available on your account

The following is the list of things that you can do with the *919# self-service code:

  • Open a UBA account
  • Transfer Funds
  • Buy Data & Airtime
  • Check Your UBA Account Balance
  • Create a Transaction PIN
  • Cardless Withdrawal
  • Block your Debit card and unknown online Transaction
  • Generate OTP
  • Collect/View Your Bank Statement
  • Pay Bills and more

You can do all this by dialing *919# from your registered phone number to get started

How to Open a UBA Account on Your Mobile Using USSD Code?

If you want to create a UBA Bank Account using your mobile device, simply dial *919*20#. Then, you’ll be required to create with BVN or not, both options are free.


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Once you’ve reached this stage, you are halfway done. Follow the instructions sent to you via SMS on the mobile phone number you used to register. Once you complete the required tasks, your account number will be sent to you via SMS.


  • No queue.
  • No paperwork to fill.
  • Get a high-interest rate on your savings
  • Also eligibility for online banking services
  • A maximum deposit per transaction is ₦20,000.00
  • The maximum account balance is ₦200,000.00
  • Option to upgrade to the higher transaction limits and enjoy other packages

How To Buy Data & Airtime with UBA USSD Code?

To buy airtime from your UBA account, simply dial *919*airtime amount# from your registered phone number. While *919*phone number*airtime amount# to buy for family, a friend, or third party from your UBA account.

To purchase data from your UBA account, simply dial *919*14# from your registered phone number. While *919*14*phone number# to buy for family, a friend, or a third party from your UBA account.


  • It is easy and convenient
  • The mobile line is quickly recharged
  • Works with the phone number(s) registered with the UBA
  • The service is available for MTN, Glo, Airtel, and 9Mobile subscribers
  • No top-up fees are charged
  • The daily recharge limit is ₦5,000.00

How To Check Your Account Balance Using the UBA USSD Code?

If you want to check your UBA account balance just dial *919*00# on your UBA registered phone number and your account number will be displayed on a pop-up screen.

How To Perform a Cardless Withdraw Using the UBA USSD Code?

To perform a cardless withdrawal from your UBA Bank Account, Simply *919*30*Amount#, and then enter your Secret 4-digit code.

How To Pay Bills Using UBA USSD Code?

Simply dial *919*5# on your United Bank for Africa registered phone number, select the company/agency, and enter the amount, and your secret 4-digit pin. UBA Bank’s system will automatically process your request and the requested payment will be made instantly.

How To Transfer Funds Using the UBA USSD Code

To transfer funds from your UBA bank account to another UBA Account, simple dial *919*3*UBA Account Number*Amount# or *919*4*Bank Account Number*Amount# to transfer funds to another bank or *919*6#  to transfer funds to Microfinance banks, Fintechs & other institutions.

Once the on-screen popup, enter your secret 4-digit pin to confirm the details of the payment. Once your pin is confirmed, the funds will be deducted from your account and sent to the recipient.


  • It works on all models of phones
  • It is easy, fast and convenient
  • It doesn’t require mobile data or wi-fi on your phone to send money
  • It allows money transactions to any Nigerian Banks and Fintechs
  • It allows Higher transaction limits up to ₦1,000,000.00 per day.

How To Create a Transaction PIN Using The UBA USSD Code

UBA Mobile Banking also allows you to generate a secret 4-digit pin to validate all transactions you make. Just dial *919# on your UBA Bank registered phone number, press the 7, on the next menu, press 7 again, you will see the generate OTP option, then press the number 4.

Enter your preferred 4-digit secret pin and send. Your pin will be saved and can be used to carry out any financial transaction on UBA Bank at any time.

How To Generate OTP Using Your Mobile Phone

You can also generate an OTP to perform an easy transaction using UBA Bank Magic Banking. Simply dial *919# on your UBA Bank registered phone number, press the 7, on the next menu, press 7 again, you will see the generate OTP option, then press the number 1.

You will receive an SMS with the OTP you need to carry out any transaction within a limited timeframe. If the OTP expires before you can complete your transaction, don’t be afraid, you can always generate a new one at no extra cost.


The United Bank For Africa also provides financial assistance and offers different kinds of loans to their customers. From personal loans for individuals and Co-operate loans for businesses.


  • You will have to repay 5% of your outstanding balance every month till the end of the six months tenor when you have to repay the total outstanding.
  • Available funds for you when you do not have sufficient funds in your account.
  • Solicitous, individualized, and convenient terms of repayment
  • Enjoy competitive interest rate

Here are some of the formats of the loan offered by UBA.

The UBA Co-operative Loans 

The UBA Bank Co-operatives loans provide loans to fund Cooperative societies of blue-chip companies. You can use this loan to finance your business or create a new business if you want to.

The United Bank For Africa No Wahala Loan

The UBA Bank No Wahala Loan is a personal loan from UBA that allows you to spend a little more cash on what you really need at the moment like groceries, tuition fees, medical bills, etc.

The United Bank For Africa Executive Loan

The UBA Executive Loan is given to UBA salary account holders who earn executive-level salaries to acquire extra funds for a specific purpose.

The United Bank For Africa Cash Collaterised Loan

A consumer loan allows you to get funds in Naira, the US dollar, Pound sterling, and the Euro using your cash deposits, investments, and/or their equivalents.


  • Complete a UBA Online consumer loan application form (PDF) or go to any of their branches or download it to make an inquiry, see the loan requirements and Complete a UBA Consumer Loan Application
  • Submit the UBA Consumer Loan form to any UBA branch close to you.

UBA also offer different kinds of loan from Mortgage finance, Diaspora mortgage finance, and loans for businesses. You need to walk into any branch of UBA or call a UBA customer service representative for more inquiries if you want your loan request to be approved.



  • 5% monthly repayment for a 6 months tenor until you’ve repaid all outstanding debt
  • You must be a UBA account holder
  • You must have received a salary through UBA for at least 3 months
  • You must not have any issue with returned cheques due to insufficient funds
  • You must complete a Letter of Set-Off or Lien or Deposit Hypothecation Agreement in the name of the owner.
  • You must complete a Letter of Confirmation of Collateral.

United Bank for Africa (UBA) CUSTOMER CARE

Are you having any problems with your UBA bank account? Or would you like to inquire about any other service offered by UBA? A customer care line is your go-to call. Let’s look at how to contact UBA bank.

United Bank For Africa has a lot of competent Customer Care agents available 24/7 to attend to and resolve all your complaints. You can contact the UBA customer care representative through any of the following means.


UBA Bank has its head office in 57 Marina, Lagos Island, Lagos, Nigeria. You can also visit their official website at www.ubagroup.com. If you need help with any issue related to your UBA bank account or inquires, you can speak to a customer care agent at www.ubagroup.com/about-uba/help/contact-us/


You can use the UBA live video chat to speak face to face with a customer care representative using this link “UBA customer service page.” Then locate and click on the video chat button to begin a LiveChat with any UBA customer care representative available in your region.

UBA Email

You can direct all your complaints to a customer care agent on email by messaging cfc@ubagroup.com. Your request will be received and processed within 24 hours and you will receive a reply email to inform you that the problem has been solved.


You can drop your request or complaint messages on Facebook at facebook.com/ubagroup or twitter.com/ubacares. A customer care representative will reply to you as soon as soon can be and all your queries and complaints will be solved ASAP.

You should know that no UBA Customer will ask for your personal information like ATM PIN, ATM card number, Mobile Banking PIN, CCV Number, or Token Or OTP(One Time Password) to complete your request. They have everything they need on their end, you just have to say YES or No to authorize them to do what they have to do.

You can check out other tips on how to avoid online banking scams in Nigeria here.


If you have a problem and you would like to reach UBA bank customer support on a voice call or SMS, you can always use the phone numbers listed below to talk to a UBA bank personnel.

  •  +234 700 2255 822 (0700-CALL-UBA)
  • +234 1 280 8822 (2808UBA)
  • +234 1 631 9822


You can down the UBA mobile app to use for your transactions.


Go to the Google play store and search for “UBA BANK” in the search box or click this link to download the UBA mobile app for all compatible Android devices.


Visit the Apple app store and search for“UBA BANK” in the search box or click this link to download the UBA mobile app for iOS for iPhone and iPad


UBA Internet Banking allows you to Bank Anywhere and makes account management easier. You get more than you expect from a bank with excellent services designed just for you. You can create your UBA Internet Banking ID HERE.


The official website of United Bank For Africa is www.ubagroup.com

UBA Leo For Messenger And WhatsApp

“Hi, I’m Leo artificial intelligence personality bringing banking through simple conversation”.

You must have seen this before if you are an active UBA bank customer. Leo is a chat banker artificial intelligence software used to perform transactions, make complaints, cardless withdrawals, block cards, pay taxes, and account a user’s bank information. Leo can be reached on Facebook Messenger or Whatsapp (+234 903 000 2455) when you add him to your contact.

Leo is the first of its kind from any Financial Institution in Africa and is available in 14 African countries. Leo encourages engaging and interactive banking and transactions. You can use UBA Bank’s LEO to perform safe transactions like Top-up, UBA Balance Inquiry, Transfer funds, pay bills, and Block online payment…

The best thing about Leo is that it is also free and available 24/7. Unlike most customer support, Leo is always there to help you with what you need.


If you are a UBA customer, you’ll need UBA Bank Swift codes to receive international payments or carry out other encrypted financial transactions in your region. If you need to know the swift code for UBA bank, you are in luck because I’ve highlighted them below.

Swift Code – UNAFNGLA

Bank Name – United Bank For Africa Plc

Bank Address – UBA House, Floor 8, 57 Marina

Bank City – Lagos

Bank Country – Nigeria

UBA BANK Sort code – 033152679


What is the code for UBA fast loan?

To access a UBA fast loan, simply dial 91928 or send ‘loan’ to Leo. This convenient code allows you to initiate the loan application process, providing quick and easy access to financial assistance when needed.

4 thoughts on “UBA Bank USSD Banking Codes, Loan, Customer Care”

  1. Martha Ernest

    Please how do I block my ATM card that the 16 digit pin is been used to debit me all my cash by someone?

  2. Anthony Titus Solomon Daumiebi

    The ussd code for loan is not available for use ,for up to months, why.

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