UBA — review & details

In Bank accounts · By the Rateweb editorial team · How we rate · Details checked 1 Aug 2026

United Bank for Africa, one of Nigeria's largest commercial banks and an NDIC-listed institution. Its personal range spans savings, current, salary, domiciliary, diaspora and fixed-deposit accounts, so most needs are covered under one roof.

UBA

United Bank for Africa, one of Nigeria's largest commercial banks and an NDIC-listed institution. Its personal range spans savings, current, salary, domiciliary, diaspora and fixed-deposit accounts, so most needs are covered under one roof.
★★★★☆
4.1/5 · How we rate
Varies by account — not published on the overview page, confirm before opening
Monthly Fee
CBN-licensed commercial bank (NDIC commercial-bank register)
Licence
NDIC-insured — cover up to N5m per depositor (2024 limit)
Deposit Safety
Customers who want one full-service bank for naira, foreign-currency and diaspora banking
Best For
traditional
Type
Pros
  • Full account ladder on one licence: savings, current, salary, domiciliary and diaspora accounts
  • Pan-African group presence useful for cross-border customers
  • Large physical branch network alongside digital channels
Cons
  • Fees and minimum balances are not published on the personal-banking overview page
  • The tiered account range takes some navigating to find the right fit
  • Branch-led service can feel slower than the app-only providers on this page
Fees, eligibility & documents
Fees
Monthly maintenanceNot published on the overview page — confirm per account type
Account openingVaries by account — confirm with UBA
Eligibility
  • Individuals, employees, self-employed and expatriates (per UBA's page)
  • BVN required for Nigerian accounts
Documents needed
  • Valid means of identification
  • Passport photograph and BVN
  • Proof of address (varies by account tier)
Visit UBA
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How UBA compares in bank accounts

UBA scores 4.1/5 in our bank accounts rankings. Our current top pick is Opay (4.3/5). Always compare a few before you decide — see the full bank accounts comparison.

UBA
4.1/5 · this page
 Opay
4.3/5
 Kuda
4.2/5
Monthly Fee Varies by account — not published on the overview page, confirm before opening None None
Licence CBN-licensed commercial bank (NDIC commercial-bank register) CBN national licence (Jan 2026) CBN microfinance bank
Deposit Safety NDIC-insured — cover up to N5m per depositor (2024 limit) NDIC-insured NDIC-insured (to ₦2m, MFB)
Best For Customers who want one full-service bank for naira, foreign-currency and diaspora banking Free transfers + agent cash-out App-first budgeting
Visit UBA → Visit Opay → Visit Kuda →

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Details last checked: August 2026

Ratings are Rateweb's editorial opinion. Product details are checked periodically but can change — confirm current terms with the provider before acting. We may earn a commission from some links, at no cost to you.