How to Upgrade UBA Bank Account easily (Online & Offline)

The banking world is always changing, and UBA, which is Africa's global bank, is always on the cutting edge of new ideas. But there are so many choices and features that it can be hard to figure out how to use your account. Especially when you want to make your account better.

If you have an account with the United Bank for Africa (UBA), you may have heard that upgrading it can help you. If you upgrade your UBA bank account, you may be able to use more services, make more transactions, and have better protection. But the process of updating your account might seem hard, especially if you don't know what choices you have. 

Some benefits come with having an upgraded account level. In this blog post, we will show you how to upgrade uba bank account easily (online & offline)

Why Upgrade Your UBA Bank Account?

Before we dive into the nitty-gritty, let's understand why upgrading your UBA account is a wise decision. Here are just a few compelling reasons:

  • Unlock Higher Transaction Limits: Say goodbye to those frustrating transaction limit notifications! Upgrading grants you access to higher daily, weekly, and monthly transaction limits, allowing you to conduct your financial affairs with greater ease and freedom.
  • Enjoy Exclusive Benefits: Each upgraded account tier boasts a unique set of perks, including dedicated account managers, personalized offers, and access to premium products and services. Imagine having your bank anticipate your needs and cater to your specific financial aspirations.
  • Enhanced Security Features: Upgraded accounts often come with additional security measures, such as two-factor authentication and dedicated fraud protection. This gives you peace of mind knowing that your hard-earned money is safe and secure.

How to upgrade UBA bank account easily (Online & Offline)

How to upgrade UBA bank account easily Online 

Upgrading your UBA bank account online is a quick and easy method to have access to a variety of new services and benefits. Upgrade your account if you need higher transaction limits, access to exclusive items, or enhanced security.

Here's how you can do it:

  • Prepare Necessary Documents: Ensure you have all the required documents at hand, including: Valid ID: Options include an international passport, driver's license, national ID, or voter's card. Proof of Address: Provide a utility bill, tenancy agreement, or bank statement displaying your name and address. Income Verification: Submit a salary slip, bank statement, or employment letter.
  • Additional Documents: Depending on your chosen account level, additional documents such as tax returns or business registration certificates may be necessary.
  • Visit UBA Website: Login to your UBA account on the website or app using your username and password.
  • Navigate to Upgrade Section: Locate the "Upgrade Account" option within the account settings or profile section, which may vary in position based on the website layout.
  • Choose Desired Account Level: Select the account level that meets your requirements, reviewing the provided description of features and benefits.
  • Provide Required Information: Complete the online application form with accurate details, including personal information (name, date of birth, contact details), employment details (employer name, income), and KYC (Know Your Customer) information. Upload the requested documents.
  • Review and Submit: Double-check all provided information for accuracy. Once satisfied, click the submit button to initiate the upgrade process.
  • Wait for Confirmation: UBA will review your application and notify you of the status via email or SMS. Please be patient as this process typically takes a few business days.
  • Welcome to Your Upgraded Account: Upon approval, you will receive confirmation, allowing you to enjoy the benefits of your upgraded UBA bank account.

How to upgrade UBA bank account easily Offline

Here’s How to upgrade UBA bank account easily Offline:

  • Visit your nearest UBA branch: Locate a branch near you and head over during their business hours.
  • Meet with a customer service representative: Inform the representative that you wish to upgrade your account. They will guide you through the process and assist you with any questions you may have.
  • Fill out the required forms: You will need to provide your personal information and documentation for verification.
  • Submit your application: Once you've completed the forms, submit them to the representative for processing.

Tips for a Smooth Upgrade Experience:

  • Gather your documents: Ensure you have all the required documents, such as your ID, proof of address, and income verification, readily available before starting the upgrade process.
  • Review account options: Take some time to research and compare the different upgraded account options available to choose the one that best fits your financial needs and goals.
  • Prepare your questions: If you have any doubts or concerns about the upgrade process, don't hesitate to ask a customer service representative for clarification.
  • Be patient: The upgrade process can take a few days or weeks to complete. Be patient and wait for confirmation from UBA before assuming your account is upgraded.


How long does it take to upgrade my UBA account?

The processing time for an account upgrade can vary depending on the chosen method and the complexity of your application. Online upgrades are generally processed faster than offline upgrades, with online upgrades typically taking a few business days, while offline upgrades may take longer.

What happens if my account upgrade is denied?

If your account upgrade is denied, you will be notified by UBA and provided with the reason for the denial. You can then take steps to address the issue and reapply for the upgrade.

How much can a UBA savings account hold?

There is no maximum limit on the amount of money you can deposit into a UBA savings account. However, there is a minimum balance requirement of N500.

What are the benefits of upgrading my UBA account?

Upgrading your UBA account can offer several benefits, such as:

  • Increased transaction limits: This allows you to transfer and withdraw larger amounts of money more easily.
  • Access to exclusive products and services: Upgraded accounts often come with additional benefits like higher interest rates on savings, dedicated customer support lines, and exclusive loan offers.
  • Enhanced security features: Upgraded accounts typically offer additional security features to protect your money, such as two-factor authentication and biometric logins.
  • Improved banking experience: Upgraded accounts may provide a smoother and more seamless banking experience, often with dedicated relationship managers and priority processing.

What are the requirements for account upgrade?

Requirements vary depending on your account type, but some general ones include:

  • Valid UBA account
  • BVN
  • Good banking history with UBA
  • Proof of income and/or address (may be required)


Upgrading your UBA bank account online is a quick and easy method to have access to a variety of new services and benefits. Upgrade your account if you need higher transaction limits, access to exclusive items, or enhanced security. 

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