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BANKING · QUARTERLYas of 2026-07-28

United Bank for Africa (UBA): USSD Code, Transfer Charges, SWIFT Code & Rates

Commercial bank · UBA · 90 Lagos branches · ₦5M NDIC coverage

AT A GLANCE
SWIFT
UNAFNGLA
USSD
*919#
Savings rate
1.5–3.5%
Fixed deposit
13–18%
WHY THIS BANK

Lowest loan interest rate (0.1%/month). Best pan-African coverage (20 countries).

Operates in 20 African countries + London/New York/Paris. UBA Click Credit offers the lowest interest rate on instant loans. Strong diaspora banking.

ABOUT United Bank for Africa (UBA)
Bank profile · verified

United Bank for Africa (UBA) is a Commercial bank (CBN-licensed, NDIC-insured) founded in 1949 (77 years ago), operated by UBA Group. As of 2026 it serves approximately 45M+ customers through 1,000 branches nationwide.

Founded
1949 · 77 years serving Nigerians
Parent company
UBA Group
Customer base
45M+
Branches nationwide
1,000
Bank type
Commercial bank (CBN-licensed, NDIC-insured)
Website
ubagroup.com
HEAD OFFICE
United Bank for Africa (UBA) headquarters
Address
UBA House, 57 Marina, Lagos Island, Lagos, Lagos
View on OpenStreetMap →Get directions →
CHARGES
CBN-regulated · effective May 2026
Transfer <₦5,000
FREE
Transfer ₦5,000–₦50,000
₦10
Transfer >₦50,000
₦50
SMS alert
₦5 / SMS
Email alert
FREE
ATM card issuance
₦1,500
ATM card maintenance· scrapped May 2026
FREE
Virtual card
FREE
Current acct maintenance· ₦0 from 2027
₦0.5/₦1,000
Hardware token
₦2,500
Min opening balance
₦0
NDIC coverage
₦5M NDIC coverage
TRUE ANNUAL COST
at typical usage

If you make 20 transfers, 4 other-bank ATM visits, and 30 SMS alerts per month:

UBA₦4,200/year

₦1,800 more than Kuda (₦2,400/yr). That's 0 bags of rice.

Compare with all 23 banks →
HOW TO OPEN AN ACCOUNT

Time to open: 15 minutes · Online via app

UNIQUE FEATURES
LEO Chatbot

Bank via WhatsApp, Facebook Messenger, and Instagram. Check balance, transfer, buy airtime through chat.

Click Credit

Instant salary-based loans up to ₦5M approved through the UBA mobile app.

Widest African footprint

20+ African countries plus New York, London, Paris. UBA has more continental reach than any Nigerian bank.

UBA Ruby

Premium banking programme for high-net-worth individuals with dedicated relationship managers.

LAGOS BRANCHES · SORT CODES
3 branches
BranchAreaSort code
UBA Ikeja
Allen Avenue
Ikeja033-154092
UBA Marina HQ
57 Marina
Lagos Island033-154001
UBA Victoria Island
Adeola Hopewell St
Victoria Island033-154078
APP RATINGS & CONTACT
iOS rating
4.3 / 5
Android rating
4.1 / 5
Lagos branches
90
Lagos ATMs
280
ubagroup.com →
FREQUENTLY ASKED QUESTIONS
Answers about United Bank for Africa (UBA)
What is United Bank for Africa (UBA)'s USSD code?
United Bank for Africa (UBA)'s USSD banking code is *919#. Dial it from any phone linked to your account to transfer money, check your balance, buy airtime, or pay bills — no data or app needed.
What is United Bank for Africa (UBA)'s SWIFT / BIC code?
United Bank for Africa (UBA)'s SWIFT/BIC code is UNAFNGLA. Use this code when receiving international wire transfers into your United Bank for Africa (UBA) account.
What are United Bank for Africa (UBA)'s transfer charges?
bankingDetail.faqTransferA
What is United Bank for Africa (UBA)'s savings account interest rate?
United Bank for Africa (UBA) pays 1.5%–3.5% per year on savings account balances (as of 2026). Actual rate depends on balance tier and account type.
What is United Bank for Africa (UBA)'s fixed deposit rate?
United Bank for Africa (UBA) offers 13%–18% on fixed deposits, depending on tenor (30, 60, 90, 180 or 365 days). Higher amounts and longer tenors earn the better rates.
Where is United Bank for Africa (UBA)'s head office located?
United Bank for Africa (UBA)'s headquarters is at UBA House, 57 Marina, Lagos Island, Lagos, Lagos, Nigeria.
Is United Bank for Africa (UBA) NDIC-insured?
Yes. Deposits at United Bank for Africa (UBA) are insured by the Nigeria Deposit Insurance Corporation (NDIC) up to ₦5,000,000 per depositor per bank.
How can I contact United Bank for Africa (UBA) customer service?
Website: ubagroup.com. Phone: —. Head office visits: Lagos Island, Lagos.
COMPARE WITH OTHERS
FeatureUBAKudaAccess
SMS fee₦5FREE₦5
Transfer ₦5K-₦50K₦10₦10₦10
Savings rate3.5%12%3.5%
NDIC₦5M₦2M₦5M
App rating (iOS)4.3/54.5/54.4/5
Yearly cost₦4,200₦2,400₦4,200
RELATED
SWIFT CODE
UNAFNGLA

For international transfers — see which remittance platform delivers the most naira.

SAVINGS vs STOCKS
3.5% vs NGX +55% YTD

Where does your ₦1M grow faster — savings or NGX stocks?

IN RICE BAGS
₦4,200 = 0.1 bags of rice

Annual banking charges in Lagos market terms.

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