Online banking that’s easy and efficient
From fund transfers to bill payments, our online platform offers a range of features designed to make banking simple, fast, and accessible.
Features
Whether you're transferring funds, paying bills, or checking account balances, manage your money conveniently from your internet banking services, wherever you are.
Instant Self-Registration
UBA customers can start and finish Internet Banking registration from the log-in page, https://ibank.ubagroup.com.
Image & Phrase security feature
With new phishing tactics and data harvesting evolving on the world wide web, we have included this feature to keep your money safe, no matter what.
Pay your tax on Internet Banking
Pay your tax and other Internal Generated Revenue payments using the UBA Internet Banking.
Multiple payments on the screen
Now you can make up to 30 payments per screen to beneficiaries already saved in your history – at the touch of a button!
My Transaction Diary
Take a quick look back at the payments you made in the last X days.
Create Payment Template
So you don’t have to keep filling the same information in every month, simply save your recurring payments into a template and initiate them with the click of a button in future.
Send funds to Branch for pick up by third party
Can’t make it to the branch yourself? Send an instruction on the platform and authorize a 3rd party to pick it up for you.
Buy Airtime
Top up your mobile phones and those of your loved ones.
Account Monitoring
Monitor activities on your accounts, view your loans, etc.
Transfer Money
Send money to your other UBA account or someone else’s account in UBA or other Banks. Standing Order is also available.
Pay Bills
Pay bills – utility, Pay TV, subscriptions, etc.
24-Hour Availability
Access to your account is round-the-clock – no weekends, no public holidays.
Book Flights
Get best flights and pay directly from your account.
Personalization
Customize your User ID, your nickname, etc. it is all about you.
Cyber Receipt
Proof of transfer or payment can be printed for all your transactions.
Security
Access to your account is protected with best-in-class technology. You are also notified whenever there is any log-in/attempted log-in to your profile.
Experience UBA internet banking
We are all about your convenience. You can bank safely and securely with us from any location and on any device. Navigate through the new and improved interface.
Requirements
- Active Account.
- Internet enabled devices (computer, tablets, smart phones).
- Completed enrollment form/web form.
- Executed Indemnity (for higher transaction limits up to N5m for individuals and N100m for Corporate users).
Terms and conditions
- Information provided on the enrollment form must match what we have in our records.
- Daily limits for Individual – ₦200k (for SMS OTP), ₦1m (with Secure Pass without indemnity) and ₦5m (with Secure Pass & executed indemnity). ₦2.5m per transaction is allowed for individual users with indemnity.
- SMS OTP is only available to individual users (Corporate users can only use Secure Pass).
- Daily limits for Corporate – ₦10m (with Secure Pass without indemnity) and ₦100m (with Secure Pass & executed indemnity). ₦50m per transaction is allowed for Corporate users with indemnity.
We are here to help
Requirements
- Beneficiary’s details – name, account number and full contact address (not P.O. Box).
- Purpose of transfer.
- Beneficiary’s bank details – bank name, address, swift code (IBAN no./chips, sort code, and bank number, if available).
- Your Hard Token/Secure Pass.
Terms and conditions
- Go to ibank.ubagroup.com.
- Sign in with your user ID and password.
- Choose who bears the correspondent bank charge. This is the processing fee charged by the Beneficiary’s bank for the service rendered and is not controlled by UBA. Select ‘Sender to bear’ or ‘Beneficiary to bear’.
- Select Transfer Type – by default, the transfer type is Swift Transfer but you have an option of selecting Draft.
- Choose account to debit – note that only your Domiciliary Account(s) will show here. It is compulsory that your selected account is in the same currency you wish to transfer. The system does not allow cross-currency transfer – this, however, does not mean that the Beneficiary cannot receive the funds in other currencies. In other words, only Dollars can be transferred from Dollar accounts, Pounds from Pound accounts and Euros from Euro accounts.
- Fill in Sender, Beneficiary and Bank’s Details (and Intermediate Bank, if applicable.
- Review all details and click Transfer. At this stage, Terms & Conditions will be displayed to you. Read and, if satisfied, accept the Terms and proceed to transaction authentication page by clicking Agree (click Disagree only if you want to discontinue the transfer process).
- Input your Token code in the token field and click OK to authenticate the transaction. You will get a response “Successful: Transaction is sent for processing!” You will get telex copy of the transaction (if successful but if not, transaction declined notification and reason for decline).
How to Videos
How to sign up for internet banking
How to make multiple payments
How to load your UBA prepaid card
How to make bulk payments
Frequently Asked Questions
Internet Banking is available to both Corporates and Retail Customers. You can carry out secure online transactions, payments of all types, and also monitor initiated transactions.
How can I access Internet Banking? Is it available as a downloadable app to phones?
Internet Banking can be accessed from any internet-enabled devices – computer, laptop, smart phones etc. via https://ibank.ubagroup.com. For ease of access and use, you can download Internet Banking apps from stores.
How can I enrol/register for Internet Banking / What do I need to get started?
There are flexible options for enrolment/registration. They include:
- Instant Self-Registration – with your debit card, individual customers can start and finish enrolment from our Internet Banking login page https://ibank.ubagroup.com by clicking Instant Self-Registration button. It takes less than 2 Minutes to complete this process!
- Enrolment via account opening – Customers who visit the business office can be instantly enrolled on Internet Banking during the process of account opening.
- Enrolment through our Business Offices – Existing customers can walk into any of our Business Offices to fill a form to be enrolled on Internet Banking. New customers that request Corporate customers can also give instruction on their letterhead to RMs or Business Offices to enrol their desired users – there is no limit to the number of users who can be enrolled under a corporate user.
Each time, I want to transact, I get transaction limit exceeded; what could be wrong and how can it be resolved?
Please confirm what limit is applicable to you. You may need to give an instruction and execute indemnity at any of our Business Office for higher limits.
Will I have 24/7 access to the UBA internet banking platform?
Except during scheduled maintenance periods, our internet banking platform can be accessed 24 hours a day, 7 days a week and from anywhere in the world.
I inputted the wrong password thrice and I have been locked
Click on forgot password option, input your USER ID and follow the prompts.
How can I create my password?
Your password must be minimum of six Characters and must be alphanumeric.
Can I change my user ID? How often can it be changed?
You can change your USER ID anytime you wish. Kindly click on My profile >>> Security settings >>> Update My User ID. Authenticate with Secure pass / Token and click submit.
If I forget my hard token, can I use my soft token?
Yes, you can use either your hard token or soft token to complete your transaction.
What is my limit for transactions on Internet Banking?
Retail Limit
| Token Type | Indemnity in Place | Transaction value date | Per Tranx | Per Day |
|---|---|---|---|---|
| One Time Password (OTP) | N/A | Instant | 200k | 200k |
| Secure Pass(Hard/Soft) | No | Instant | 1M | 1M |
| Secure Pass(Hard/Soft) | Yes | Instant | 5M | 5M |
| Secure Pass(Hard/Soft) | Yes | NEFT/Clearing Session | 5M | 25M |
Corporate Limit
| Token Type | Indemnity in Place | Transaction value date | Business Segment | Per Tranx | Per Day |
|---|---|---|---|---|---|
| One Time Password (OTP) | N/A | N/A | – | N/A | N/A |
| Secure Pass(Hard/Soft) | No | Instant | All Segments | 10M | 10M |
| Secure Pass(Hard/Soft) | Yes | Instant | SME I | 100M | 100M |
| Secure Pass(Hard/Soft) | Yes | Instant | SME II | 100M | 500M |
| Secure Pass(Hard/Soft) | Yes | Instant | Medium Corporate | 100M | 1B |
| Secure Pass(Hard/Soft) | Yes | Instant | Large Corporation | 100M | 1B and Above |
| Secure Pass(Hard/Soft) | Yes | NEFT | All Segments | 100M | 100M |
I forgot my USER ID, what should I do?
On Internet Banking Home Page, https://ibank.ubagroup.com , please click on forgot your USER ID. Enter your account number, click submit and the USER ID will be sent to your registered e-mail address.
Can I view all my accounts with UBA Plc using one Internet Banking login ID?
Yes, when you enrol for UBA’s Internet Banking Service, Internet Banking, You Can specify which accounts you want access to over the internet and can have access to all of them using one single user ID.
How Do I Reset my Password / I forgot my password?
On Internet Banking Home Page, https://ibank.ubagroup.com , please click on forgot your password? Enter your Internet Banking USER ID on next screen and submit, then provide an answer to any security question set by you and a new password is automatically generated and sent to your registered email address.
My Newly sent Password sent has expired.
Password expires after 1hr. You can still use the expired password to send a new password to yourself. On the Internet Banking site, input your UserID with the expired password and click on RESEND. A new password would be sent to you via phone and Email.
I have not used Internet Banking in a long time, how can I start again?
Getting started again is easy! Click forgot user ID? To retrieve your user ID, then, click forgot password? to retrieve your password. Now, you are good to go
I want to know more about what Internet Banking has to offer. How can I go about it?
Please click the link Internet Banking Quick Guide for more info. If you need further assistance, kindly contact cfc@ubagroup.com.
How secure is Internet Banking platform and how can I further secure my profile?
Our Internet Banking is very secure, we have gone to great extent to protect you and your funds when using Internet Banking, you have two level authentication (password + token) available each time you transact on Internet Banking, we have also introduced an Image and Phrase Security feature to guard against phished site. In Addition, there’s the virtual keyboard for use on open networks and public spaces so that key loggers will not capture your details. Internet Banking is protected with the best-in-class security technology. To further protect your profile, do not share your credentials with anyone, do not
click on any suspicious link, when you are in doubt, always contact cfc@ubagroup.com.
I have received my login credentials with a PDF Attached to it in my inbox, how do I access my login credentials?
In Nigeria, all accounts use the NUBAN system, all accounts are 10 digits, your login credentials are in the PDF attached to the mail you received, the PDF has been pass-coded using the last 7 digits of ANY of your 10-digit account numbers with UBA Plc, as a hint, the last 3 digits of the account used is stated in the body of the e-mail you received.
How can I get a token and how much does it cost?
If you desire a hard token, you can get it at any UBA Business Office and it costs 2,500 Naira. For more flexibility, U-Token is available for free in apps stores for download and instant activation for your transactions.
What does my corporate user ID look like?
Your user id is your company’s name dot your first name. For example: OUTORILTD.AUGUSTA .
What can I do with my corporate internet banking?
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- Bulk upload.
- Transfers.
- Bill payment.
- Flight payment.
- Statement download etc.
Is my internet banking for corporate available for download on my mobile phone?
Yes, Authorizers can use the Internet Banking App to authorize payments.
Is there any specific file upload format for funds transfer using the Bulk Upload Facility?
Yes, Excel, Txt and CSV (Comma-Separated Values).
Can I use my Internet banking for corporates to initiate international fund transfers?
Yes, you can.
How many approvers can approve a fund transfer?
The system supports multilevel approvals. You can specify the number of approvals for completing a transaction. The transaction will be processed once it has been approved by the final approver.
Is there a Maker/Checker functionality of the platform?
Yes, there is a maker checker process. The verifier authenticates what the initiator has uploaded and the Authorizer validates as the final approval.
What are the available means to download statement?
Statements download is available in PDF, Excel, MT940 format.
Is Token authentication required for login corporate customers?
No, there will be no need to login using token as a corporate user. Token verification is required during file upload validation, Transaction verification and final authorization.
How do I know if a transaction has been initiated and is waiting for my authorization?
The verifier and the Authorizer will receive a mail notification stating that there is a file awaiting verification/approval. Likewise, there is a notification button on the dashboard that shows the awaiting approval icon.
I have not used my profile in a long time, how do I retrieve my UserID?
Customer can customer can click on ‘forgot UserID’ and input your account Number and your UserID will be sent an email to the registered Email Address.
How many File upload is available for Bulk upload?
There are different types of Bulk upload as seen below
- A – Multiple debit, Multiple credit.
- B – Single Debit, Multiple credit.
- C – NAPs Single Debit, Multiple Credits.
- D – NEFT .
How many transactions can be uploaded in each of these upload files?
- A – Multiple debit, Multiple credit – Maximum of 50 Transaction per upload.
- B – Single debit, Multiple credit – Maximum of 50 Transaction per upload.
- C – NAPs Single Debit, Multiple Credits – Maximum of 5,000 transactions per upload to other Banks.
- D – IFT (UBA – UBA) – Maximum of 5,000 transactions per upload.
How do I reject transactions on Internet Banking?
You can reject transactions via the following steps:
- For Multiple Debit Multiple Credit: Menu>> Transactions >> status of transaction >> view approval queue >> click on the multi-records actions dropdown to reject.
- For Bulk Uploads: Menu>> Transactions >> BULK Uploads>> Approve/reject Uploaded files.
How can I initiate multiple transactions on Internet Banking?
Please follow these steps to initiate multiple transactions:
Menu>> Transactions >> Initiate Funds Transfer >> Initiate Multiple transactions>> Fill in the required details to proceed.
How can I view my transaction status on Internet Banking?
Please follow these steps to view your transaction status:
Menu>> Transactions >> status of transaction >> view transactions history >> select the transaction by clicking on Entry ID.
Transactions details will be displayed and can be downloaded in Excel/PDF/Txt format.
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