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Updated July 2026 · real, multi-region App Store reviews
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The verdict on

UBA Mobile Banking

30
User verdict / 100 High confidence In trouble

The UBA Mobile Banking app is currently experiencing significant technical issues, particularly with login, transaction functionality, and overall stability, despite some users reporting positive experiences with transfers and customer service.

4.0★ lifetime (12,229) Free to download since 2015 by United Bank For Africa Plc updated 2.7 mo ago recent negative 53% 120 reviews across 4 regions
Login & Access Issues Transaction Failures OTP & Verification Problems Performance & Stability Outdated UI/UX Positive Experience
5★183
4★38
3★39
2★42
1★250
recent reviews across 4 regions, vs the 4.0★ lifetime average

Recent reviews for the UBA Mobile Banking app indicate a significant decline in user experience, with many reporting critical issues preventing them from accessing their accounts or performing basic transactions. While some users praise the app's speed and efficiency, the overwhelming sentiment points to widespread technical problems following recent updates. The lifetime rating of 3.98 suggests a previous period of better performance, but the current trajectory is sharply negative.

What users like

  • Some users find the app fast, efficient, and user-friendly for transactions.R5R27R35R36
  • The app's double-check confirmation for fund transfers is appreciated for security.R56
  • Some users report good customer service experiences.R36

What users complain about

  • Many users are unable to log in, with issues like blank dashboards, loading screens, or incorrect detail errors.R2R4R7R8
  • Users frequently report being unable to input OTP or verification codes, especially on newer iPhone models.R44R45R48R49
  • Transactions, including sending money to other banks, are frequently failing or impossible.R6R15R18R25
  • The app is often slow, freezes, crashes, or has network issues.R12R20R24R265
  • Users cannot view transaction history or share receipts.R16R41R63R99
  • Some accounts show incorrect or unavailable balances, preventing access to funds.R2R19R47R536
  • The app design is considered outdated, not user-friendly, and lacks features like biometric transaction authorization.R16R41R55R320
  • Specific features like loan options, data/airtime top-up, or accessing beneficiaries are reported as missing or non-functional.R22R38R50R132
  • The app frequently logs users out and requires re-login with card details or a physical SIM, which is problematic for eSIM users.R17R37R51
  • Customer service is criticized for being unresponsive or unhelpful.R15R32R34R132

Latest update · v8.4.78

What the developer says changed (the verdict above weighs this against what reviewers report):

We’ve improved your mobile app to bring you more convenience, control, and accessibility. New Services: Open an Account: Open your bank account fully digitally anytime, anywhere. FCY Service: Transfer foreign currency from your UBA account to offshore bank accounts securely and seamlessly. Trips: Book flights or rides directly from the app, select the option that suits you best, and pay using your preferred payment method. Dispute Management: Easily raise and track transaction disputes directly from the app. Locator: Find nearby branches and ATMs quickly using the locator feature. Enjoy a more seamless and convenient banking experience!

Recurring themes

Login & Access Issues negative
Many users are completely unable to log into the app, experiencing blank screens after login, infinite loading, or error messages. This is a critical barrier to using the app, often occurring after updates. The developer's notes mention 'improved convenience' but recent reviews contradict this with widespread login failures.R2R4R7R8
Transaction Failures negative
A significant number of users report being unable to complete transactions, including sending money to other banks, or experiencing issues with secure pass/payment pins. This directly impacts their ability to manage funds.R6R15R18R25
OTP & Verification Problems negative
Users frequently encounter problems with inputting or auto-filling One-Time Passwords (OTPs) or verification codes, especially on iPhones, which prevents them from registering or logging in.R44R45R48R49
Performance & Stability negative
The app is often described as slow, freezing, crashing, or having persistent network issues, leading to frustration and inability to use the service.R12R20R24R265
Outdated UI/UX negative
Many reviewers criticize the app's user interface as outdated, not user-friendly, and lacking modern features like biometric transaction authorization or proper screen resolution for various devices.R16R41R55R320
Positive Experience positive
Despite numerous issues, a subset of users still find the app to be good, fast, efficient, and reliable for transactions, praising its ease of use and sometimes customer service.R1R5R9R27

Who it's for

This app is for existing UBA customers who are willing to tolerate frequent technical issues and login problems, especially if they value occasional fast transfers when the app is functional R5R27R35. It is NOT for users who require consistent, reliable access to their banking services, a modern user interface, or seamless login processes R4R7R41.

Evidence note: The recent reviews skew heavily negative, with a significant number of 1-star ratings detailing critical, recurring issues. While there are positive reviews, they are fewer and often generic, making the negative points more prominent and detailed. The developer's notes mention new services and improvements, but recent user feedback directly contradicts claims of improved convenience and accessibility due to widespread login and transaction failures.

Frequently asked

Why can't I log into the UBA Mobile Banking app?
Many users are currently unable to log into the UBA Mobile Banking app due to various issues, including blank dashboards after login, infinite loading screens, or errors stating incorrect details R2R4R7R10.
Can I make transfers with the UBA Mobile Banking app?
While some users report seamless and fast transfers R5R27R35, many others are currently unable to send money to other banks or complete transactions due to app errors and issues with secure pass/payment pins R6R15R18R25.
Are there issues with OTP input on the UBA Mobile Banking app?
Yes, many users, particularly those with iPhones, are reporting issues with inputting OTPs or verification codes, as the app either doesn't allow typing or auto-fill fails, preventing them from accessing their accounts R44R45R48R49.
Does the UBA Mobile Banking app offer loans?
Some users have expressed a desire for loan options and reported not being able to find them within the app R22R38.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R5] 5/5 · US Abraham Adaji: I have had a wonderful experience using the UBA Mobile Banking App. It is simple and transfers are seamless.
  2. [R27] 5/5 · US Great Financial App: It makes my transactions easy and very quick
  3. [R35] 5/5 · US Fast and efficient: Works very fast and very efficient
  4. [R36] 5/5 · US Extremely happy: UBA, your customer service is truly outstanding. Prompt, professional, and always reliable. Your app is also smooth, fast, and very user friendly. Keep up the excellent work!
  5. [R56] 5/5 · US Transfer: The double-check confirmation option on funds transfer is a standard security protection. This has helped me from making wrong transactions several times. I love it.
  6. [R2] 1/5 · US My main account is not showing: My main account balance and number aren’t showing on the dashboard. I have refreshed my app multiple times yet no luck
  7. [R4] 1/5 · US Can’t log in: I have used the UBA mobile app for awhile now, even with the issues that comes with it. Recently, I noticed that I can sign in but it won’t bring up my dashboard. It will show that I have signed in, but I can’t do anything. I received an sms from UBA that the app has been upgraded. However, there is no button to upgrade on the App Store. I am still getting the same display. Terrible
  8. [R7] 1/5 · US App not opening: Why has the app stopped opening for up to 2 weeks now??? Tf you want ur users to do? What about those that makes transactions using just the app and don’t have a bank card?? So if I want to use the money In my account, I need to go to a bank and get withdrawal slip…. Be like say una no serious for this bank thing sha
  9. [R8] 2/5 · US Unable to login: I can’t be able to log in my app for days why 🥹🥹
  10. [R44] 3/5 · US Unable to input verification code: I just updated my UBA banking mobile app and I got automatically logged out, I tried logging back in, I inputted my details correctly then got a verification code but whenever I try inputting the verification code it doesn’t let me type it in. Please fix this issue.
  11. [R45] 1/5 · US Look into this new update: You need to work on this update, I can’t put in code to get into the app
  12. [R48] 1/5 · US Not working: I downloaded it but unable to use it because it can’t auto fill the OTP once the verification code is sent to my phone and no option to fill manually
  13. [R49] 1/5 · US It’s the most useless banking app in Nigeria: You can’t input OTP even when the keyboard is clearly visible. What a dumb app.
  14. [R6] 1/5 · US Worst app I’ve ever used: Can’t even send money
  15. [R15] 1/5 · US Terrible mobile app: I won’t swear for the developer behind this terrible development yet. For goodness sake, how is my limit 5m and I’m only opportune to send out only 200k. The secure pass or token is not going either and it’s close to impossible to speak with a customer care. If this opportunity pass me by huh, I’ll surely say goodbye to this bank. It’s over a decade banking with you and it suc
  16. [R18] 1/5 · US Compliant.: Very useless app, I have not been able to make a transfer for five days now, I updated the app hoping that it’s going to be better, right now when I log into the app, it just keeps on loading and nothing ever happens, if you don’t know how to operate a bank, just close it.
  17. [R25] 1/5 · US Secure pass /payment pin: I’m having problem on making payment , i don’t know how to get my secure pass or payment pin , it keep showing failed , close the app and re login , I did , still same thing😢
  18. [R12] 1/5 · US Very poor app: The app is not user friendly and network is also poor
  19. [R20] 2/5 · US Bad bank very slow: Bad bank very slow use to be the best that’s why I have used it for 8 years but not anymore from today this month and last month have been disgusting with this app don’t use now fidelity that use to be the worse is even better
  20. [R24] 1/5 · US Always network issue: I’m not feeling safe with your bank and this network issue you people need to fixed your banking system, this is 2026 your service is totally poor and for the past 4 days now I can’t have access to my own money that’s ridiculous and your app sucks
  21. [R265] 3/5 · GB Mr: It’s ok but sometimes it takes time to open
  22. [R16] 1/5 · US Just Terrible: I don’t understand how your previous versions are better than the upgrades. The layout is poor, it gets slower each with upgrade, you can’t view transaction history. I can’t even login anymore at this point, thank God for Leo. You people forced me to open a MFB. Just terrible abeg. Tell Tony to fix up!
  23. [R41] 2/5 · US My review: This mobile app is the worst of all the banks I’ve used. UBA of all banks run such a low level of tech. All the layouts are so outdated, the font, from the login page to the final transaction is all messed up. You can’t even view your transactions history in peace. The previous mobile app was top notch before you came up with this. Other banks are upgrading while UBA is downgrading. Ev
  24. [R63] 1/5 · US Upgrade: I’m not able to check my transaction history since two days now on my online banking app. This app is very poor. You need to upgrade
  25. [R99] 5/5 · US Ma: The app started having issues of not letting me download transaction details
  26. [R19] 1/5 · US Blank page after login: This particular update is a total mess. I open the mobile app each time and my page is blank. No account balance showing. Nothing can be done . What’s really happening?
  27. [R47] 1/5 · US Can’t withdraw my own money: Balance unavailable multiple times Omor 😒
  28. [R536] 3/5 · CA Glitches: When I need this app to open it doesn’t, and then when it does sometimes it will show balance unavailable making me unable to do any transaction. And it’s my main bank. You really need to work on this app. The glitches are many
  29. [R55] 1/5 · US Big issue logging in with iPhone: Generally, UBA has the worst app ever. The app is not user friendly be it on android or iPhone. Customers service is poor online and onsite. The deduct money unnecessarily
  30. [R320] 3/5 · GB Not very responsive: The app isn’t as responsive as it ought to be, like a modern bank should be. There’s also no biometric to authorise transactions
  31. [R22] 5/5 · US Please i need so lone which I can’t find on my app: I need lone please but i can’t find it on this app it should be here too
  32. [R38] 3/5 · US Loans: Allow me to take loans
  33. [R50] 1/5 · US Inaccessible beneficiaries: I have been unable to access my beneficiaries for about 6months even after reaching out to my bank; sent mails, deleted app and re-installed yet unresolved.
  34. [R132] 3/5 · US My banking services option unavailable on my menu: My banking services option unavailable on my menu. Customer Service not able to provide satisfactory support.
  35. [R17] 3/5 · US Card: Why do I always need my card details to longin on a new phone
  36. [R37] 3/5 · US Good: While the app is okay and all. I had a situation (I’m using iPhone) where I was randomly logged out and i couldn’t log back in without my password. I didn’t know my password unfortunately because I got used to biometrics (Face ID login). So my option was to reset password but i couldn’t do that without a secure pass so i had to go all the way to the bank just to access my account. It’ll ha
  37. [R51] 2/5 · US Need another Update: I’ve been using this app on my IPhone without any problem until i decide to update the app after updating the app it automatically log me out and wants me to login again while trying to do that the app made it a must that your registered sim card should be inside the same phone you’re trying to login with the problem i have and i know many other have is that My IPHONE IS AN ES
  38. [R32] 1/5 · US Poor: You people have a very bad customer service in Warri and very rude too
  39. [R34] 2/5 · US Customer Service: Where are your customer service updates. 14+ hours and no updates. Also, your internet mobile app is giving registration errors. Also your 24/7 customer service line doesn’t work.
  40. [R1] 5/5 · US Good: So nice using UBA app
  41. [R9] 5/5 · US Always deliver 💯: Always delivered
  42. [R10] 1/5 · US Unable to login / showing error: Currently I can’t use the app because it’s refused to log me in, it keeps showing error, please sort the issue out thanks

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store