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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

The lowest loan interest. Best if you dey do business for different Africa country.

Dem dey 20 Africa country + London/New York/Paris. UBA Click Credit get the lowest loan interest. Good for Nigerian wey dey abroad.

ABOUT United Bank for Africa (UBA)
Bank profile · we don verify am

United Bank for Africa (UBA) na Commercial bank (CBN license, NDIC dey insure am) wey dem start for 1949 (77 years ago), and na UBA Group dey operate am. For 2026 e dey serve about 45M+ customers through 1,000 branch nationwide.

Dem start am
1949 · 77 years dey serve Nigerians
Owner company
UBA Group
Customer base
45M+
Branch for Nigeria
1,000
Bank type
Commercial bank (CBN license, NDIC dey insure am)
Website
ubagroup.com
HEAD OFFICE
United Bank for Africa (UBA) headquarters
Address
UBA House, 57 Marina, Lagos Island, Lagos, Lagos
See am for OpenStreetMap →Get direction →
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 YEARLY COST
at typical use

If you dey do 20 transfer, 4 other-bank ATM visit, and 30 SMS alert every month:

UBA₦4,200/year

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

Compare with all 23 bank →
HOW TO OPEN ACCOUNT

Time to open: 15 minute · Online through app

UNIQUE FEATURES
LEO Chatbot

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

Click Credit

Instant salary-based loan reach ₦5M — dem approve am through UBA mobile app.

Widest African footprint

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

UBA Ruby

Premium banking for high-net-worth people with dedicated relationship manager.

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 →
QUESTIONS PEOPLE DEY ASK PASS
Answer about United Bank for Africa (UBA)
Wetin be United Bank for Africa (UBA) USSD code?
United Bank for Africa (UBA) USSD banking code na *919#. Dial am from any phone wey link with your account to transfer money, check balance, buy airtime, or pay bills — no data or app need.
Wetin be United Bank for Africa (UBA) SWIFT / BIC code?
United Bank for Africa (UBA) SWIFT/BIC code na UNAFNGLA. Use am when you dey collect international wire transfer to your United Bank for Africa (UBA) account.
Wetin be United Bank for Africa (UBA) transfer charges?
bankingDetail.faqTransferA
Wetin be United Bank for Africa (UBA) savings account interest rate?
United Bank for Africa (UBA) dey pay 1.5%–3.5% per year on savings account balance (as of 2026). Real rate depend on balance tier and account type.
Wetin be United Bank for Africa (UBA) fixed deposit rate?
United Bank for Africa (UBA) dey offer 13%–18% on fixed deposit, e depend on tenor (30, 60, 90, 180 or 365 days). Higher amount and longer tenor go earn better rate.
Where United Bank for Africa (UBA) head office dey?
United Bank for Africa (UBA) headquarters dey at UBA House, 57 Marina, Lagos Island, Lagos, Lagos, Nigeria.
NDIC dey insure United Bank for Africa (UBA)?
Yes. Deposit for United Bank for Africa (UBA) dey insured by Nigeria Deposit Insurance Corporation (NDIC) up to ₦5,000,000 per depositor per bank.
How I fit contact United Bank for Africa (UBA) customer service?
Website: ubagroup.com. Phone: —. Head office visit: 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 rating4.3/54.5/54.4/5
Yearly cost₦4,200₦2,400₦4,200
RELATED
SWIFT CODE
UNAFNGLA

For international transfer — see which remittance platform dey give the most naira.

SAVINGS vs STOCKS
3.5% vs NGX +55% YTD

Where ₦1M dey grow faster — savings or NGX stock?

IN RICE BAGS
₦4,200 = 0.1 bags rice

Yearly banking charge for Lagos market term.

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