Savings and Investment
Secure your tomorrow, one deposit at a time.
UnionSave
A convenient and rewarding savings account with a low opening balance of ₦2,500. The UnionSave account is perfect for individuals looking for a structured way to save while earning interest. Whether you are saving for future goals, emergencies or just building good financial habits, this account is the right fit for you.
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Account Features & Benefits
- Secure, quick and convenient 24/7 banking with UnionOnline and UnionMobile
- Access to online banking and debit cards
- Earn 5.55% interest per annum
- ₦2,500 minimum account opening balance
-
₦1,000 daily minimum operating balance
- Maximum single deposit of ₦50,000
- Maximum daily cumulative balance of ₦300,000
Account Opening Requirements
- Duly Completed Account Opening Form
- One recent passport photograph
- Bank Verification Number.
UnionSave More
This account is designed for individuals who want to take their savings to the next level. The UnionSave More account offers flexibility and better financial rewards. With higher deposit limits and seamless digital banking access, this account makes smart saving easier than ever.
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Account Features & Benefits
- ₦2,500 minimum account opening balance
- ₦1,000 daily minimum operating balance
- Maximum single deposit of ₦100,000
- Maximum daily cumulative balance of ₦500,000
- Secure, quick and convenient 24/7 banking with UnionOnline and UnionMobile
- Access to online banking and debit cards
- Earn 5.55% interest per annum
Account Opening Requirements
- Duly Completed Account Opening Form
- One recent passport photograph
- Bank Verification Number
- Any valid means of photo identification
- Newspaper Publication plus Marriage Certificate or Sworn Affidavit (If account name differs from the name on ID
Basic Savings Account
A simple and hassle-free way to start saving. With a low account opening balance of ₦2,500 and competitive interest rates. Enjoy 24/7 digital banking via UnionOnline and UnionMobile. An ideal account for students, first-time savers, and anyone looking for a straightforward savings option.
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Account Features & Benefits
- Earn 5.55% interest per annum.
- Account opening balance of ₦2,500.
- Daily minimum operating balance of ₦1,000.
- Access to mobile and internet banking.
- Access to debit card.
- Cheque deposits of up ₦2million.
Account Opening Requirements
- Duly Completed Account Opening Form.
- Two passport photographs.
- Bank Verification Number.
- Valid means of identification.
- Proof of Address.
- Newspaper Publication plus Marriage Certificate or Sworn Affidavit (If account name differs from the name on ID).
UnionSilver
Looking for a premium savings account with added perks and financial advantage? The UnionSilver savings account is designed for individuals who want higher savings benefits, exclusive banking privileges, and seamless digital access. You enjoy access to elite banking lounges, a premium debit card and competitive interest rates based on available minimum daily balance.
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Account Features & Benefits
- Access to online and mobile banking
- Account opening balance of ₦20,000
- Daily minimum operating balance of ₦20,000
- Competitive interest rates
| Deposit Band | Interest Rate |
| 499,999 and Below | 5.55% |
| 500,000 – 2,499,999 | 5.55% |
| 2,500,000 – 4,999,999 | 5.55% |
| 5m & Above | 5.90% |
Account Opening Requirements
- Proof of Address
- Bank Verification Number
- Valid Means of Identification
- Two passport photographs
- Completed Account Opening Form
- Newspaper Publication plus Marriage Certificate or Sworn Affidavit (If Account name differs from name on ID)
Payroll Savings
The payroll savings account is a customized salary account for employees in the formal and informal sector with special offers and benefits. Employees have access to online and mobile banking and a personalised 3rd party withdrawal booklet.
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Account Features & Benefits
- Access to online and mobile banking
- Personalised 3rd party withdrawal booklet
- Earn 5.55% interest per annum
Account Opening Requirements
- Proof of address
- Bank Verification Number
- Company Identification Card
- Completed account opening form
- A staff ID card or Introductory letter from the company
Unionvibe – Student/NYSC
This account is designed specifically for young Nigerians. It offers a fun, flexible and rewarding banking experience. Whether you are a student, NYSC member, or young professional, UnionVibe gives you access to seamless digital banking, exclusive discounts, and exciting financial perks to help you stay in control of your money.
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Account Features & Benefits
- Earn 5.55% interest per annum
- Zero minimum operating balance
- Access to debit card
- Access to mobile and internet banking
- ₦1,000 account opening balance
Other features/benefits available to youths without documentation are:
- Maximum daily deposit of ₦50,000
- Maximum cumulative balance of ₦300,000
Other features/benefits available to youths with minimal documentation such as school ID, NYSC ID card are:
- Maximum daily deposit of ₦100,000
- Maximum cumulative balance of ₦500,000
Account Opening Requirements
- NYSC Call up letter
- Bank Verification Number
- Introduction letter from NYSC
- Temporary ID card issued by NYSC /School ID or Introductory letter from tertiary institution (Students) or Non Student Valid ID
- Newspaper Publication plus Marriage Certificate or Sworn Affidavit (If account name differs from the name on ID)
UnionHybrid Enterprise
This account is perfect for entrepreneurs, SMEs, and growing businesses that need a cost-effective, interest earning, and flexible banking solution. Whether you are a retailer, freelancer, or business owner, this account provides you seamless digital banking, access to financial tools that support business growth and maximise savings.
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Account Features & Benefits
- Earn 4.2% interest.
- No maximum debit turnover.
- Get a customised cheque book.
- Account opening balance of ₦20,000.
- Third party withdrawals across the counter
- Daily minimum operating balance of ₦5,000.
Account Opening Requirements
Unregistered Clubs, Societies and Associations (No Legal search required).
- Utility bill
- Minutes of Meeting.
- Bye-Law and Constitution.
- Third party withdrawals across the counter
- 2 Passport photographs of each of the signatories.
- BVN is required for all the signatories to the account
- KYC documentation (National ID, NIMC Slip, Driver’s License, International Passport)
Registered Organizations (Enterprise and Ltd- Legal search required)
- Utility bill
- Certificate of Incorporation
- Tax Identification Number(TIN)
- Particulars of the Directors (CO7)
- Certificate of registration(enterprise only)
- Memorandum and Articles of Association (MEMART)
- Application form for registration of business name(enterprise only)
- Statement of Share Capital and Return of Allotment of Shares(CO2)
- National ID, NIMC Slip, Driver’s License, International Passport and BVN of all the signatories and any shareholder that has 5% above (Limited companies only)
** References (optional – For lodgement of cheques above ₦2million)
Domiciliary
This is a foreign currency account that allows you to save, receive and transact in any of the three global currencies (US Dollars, Euros and GB Pounds) while earning interest. Whether you are an individual, freelancer, business owner or international trader, this account provides a secure, convenient and globally accepted banking solution for managing foreign exchange transactions.
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Account Features & Benefits
- Zero daily balance
- Opening balance of $100
- Use your MasterCard or Visa debit card for worldwide ATM withdrawals and online transactions
- Earn interest with limited monthly withdrawals (interest will be forfeited after 3 withdrawals)
- Safe and convenient 24/7 online and mobile banking with UnionOnline and UnionMobile
Account Opening Requirements
- 2 passport photographs
- Valid means of identification: international passport or Driver’s license/National Identity card
- Current Utility bill (not more than 3months old) or signed tenancy agreement
- BVN
- CIU Form
Fixed Deposit
This account is a risk-free investment option designed for individuals and businesses looking to grow their savings with guaranteed returns. With competitive interest rates, flexible tenure options, and secure banking, the UnionBank Fixed Deposit Account helps you maximise your wealth effortlessly. It is perfect for individuals, investors, and businesses who want to lock in funds and earn competitive interests without market risks.
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Account Benefit
- Minimum tenor is 30 days
- Minimum deposit of ₦100,000
Account Opening Requirements
Fixed deposit application requirements are;
- Two passport sized photographs of Applicant
- Utility Bill of Applicant (Water Rate, Tenement, Rent Receipt or Power)
- Means of identification (National ID, International Passport or Driver’s License)
