INTERNET BANKING
Internet Banking

Manage your finances easily with UnionOnline, UnionOne, or Union360, we offer secure and convenient online banking solutions tailored to your needs.

UnionOnline

UnionOne

Union360

TBBCorporate

FAQs

General

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Types of current accounts
Individual
Business
Currencies Available Available : NGN (Naira) , USD, GBP and EURO
Why do I need a current account?
You can transact on the go.
Enjoy zero maintenance fee if you maintain a daily balance of N50,000
Unlimited transactions.
Allows cheque withdrawals & lodgements.
What if I have another question?

Call our contact centre on 01 2716816 or 07007007000. You can also send a mail to customerservice@www.unionbankng.com. We look forward to serving you.

Can I print my Statement of account?

Yes. You can print your statement of account by clicking on ‘Export to Excel’ or ‘Export to PDF’ button. This downloads your statement of account in excel or PDF format which you can save or print.

How do I get my login details?

When the completed enrolment form is processed, an automated message containing your initial/default login password (without the username which is known to you already) is sent to your registered mobile number. You will be asked to change the initial login password when you log in for the first time.You choose your own login name during registration.

Can I use the App while I am away from Lagos or while I’m abroad?

YES, the App can be used wherever there is data connection. Please note that your network provider may charge you for fees associated with roaming while abroad.

What If I forget my PIN?

Visit the nearest branch to get a new PIN.

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How can I transact?

Mobile/Online transfers
In-branch or via ATM

What happens if I forget my password?

Simply click on “forgot password” on the log in page. An e-mail will be sent to your registered e-mail address.

Why do I need to set up a new password?

The login process for UnionMobile has been created to protect you from fraudulent activities. The password is necessary to avoid unauthorised access.

How do I get my PIN?
  • For an existing user, it prompts you to continue with your previous PIN.
  • For a new user using a java phone e.g. Blackberry bold/curve series and Nokia Asha series, it prompts you to send a short code (e.g. PM**********) as an SMS to 20220, you will receive a default PIN which you most change to complete activation.
  • For a new user using, Android, Windows, iPhone and Blackberry (OS 10.0 and above), you will be prompted to create a 4 digit PIN during the registration process
What are the acceptable means of Identification?
  • International Passport;
  • Driver’s License;
  • National Id. Card;
  • INEC Registration Card or
  • Bank Verification Number (BVN)
  • Union Bank Staff ID (for staff)
Can a foreigner access these services, on the provision of a valid International Passport and evidence of legal entry into Nigeria?

Yes, a foreigner can send or receive money on these platforms upon the presentation of valid International Passport and evidence of legal entry into Nigeria.

Can corporate organizations use this outbound service for paying subscriptions and fees abroad?

No, outbound transactions are available to individual customers only.

UnionOnline

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What is UnionOnline?

UnionOnline is a service that allows you access your bank on your laptop or smart devices e.g. tablet

Why do I need Online Banking?
  • Easy access to your money on any smart device with internet access
  • It is fast, reliable, convenient and secure
  • Transactions are instant
How do I register on UnionOnline?

You can do a self-registration or visit any branch to register.

Self-registration:

  • Visit www.unionbankng.com from your browser
  • Click on “INTERNET BANKING”
  • Click Not Enrolled? Sign up now!
  • Input account number and click continue
  • Enter One Time Password (OTP) received via SMS
  • Choose username and password, confirm details and click submit
  • Login with your username and password

Branch Registration:

  • Visit any branch to register
What do I need to perform transactions?
  • A transfer right
  • A token (Hardware, Soft token or SMS token)
  • A security word
How do I get a transfer right and a token?
  • Visit any Union Bank branch to get a transfer right and token.
How do I activate the soft token?
  • Download soft token from your play store & install it
  • Click “Enter activation data”
  • Input token serial no. and activation code received via SMS
  • Create password and Submit
How do I activate the hard token?
  • Login to UnionOnline
  • Go to Settings
  • Select activate token
  • Input token serial no.
  • Press the button to generate token code
  • Input the token code
  • Click submit
How do I create my secret word?
  • Login to UnionOnline
  • Go to Settings
  • Enter new security word
  • Confirm new security word
  • Enter Token/OTP
What is my transaction limit?

Your default transfer limit is N250,000 daily.

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What is my transaction limit?

Your default transfer limit is N250,000 daily.

How do I increase my transaction limit?
  • Login to UnionOnline
  • Click here to continue to your account
  • Go to self service
  • Select manage transfer limits
  • Click Edit
  • Input the desired limit (Max N5,000,000)
  • Input security word and token code
  • Click submit

Limit update successful**For limit above N5,000,000 visit any Union Bank branch

How can I transfer to other banks?

Transfer to a saved beneficiary

  • Login to UnionOnline

  • Click on quick transfer

  • Select Account to debit

  • Click on choose beneficiary to select a saved beneficiary

  • Input transfer amount

  • Input transfer narration

  • Click submit

  • Enter Security word

  • Enter Token/OTP

  • Click Confirm

 

Transfer to other bank accounts

  • Login to UnionOnline

  • Click on quick transfer

  • Select Account to debit

  • Select receiving bank

  • Input receiving account number

  • Input transfer amount

  • Input transfer narration

  • Click submit

  • Click okay to confirm the receiver’s name

  • Enter Security word

  • Enter Token/OTP

  • Click Confirm

Log in to UnionOnline

Log in to UnionOnline

  • Go to Transfer
  • Select set up standing orders (transfers)
  • Select Account to debit
  • Select Bank
  • Enter Account number
  • Enter Transfer narration
  • Enter Transfer amount
  • Select the start date
  • Select the end date
  • Select the frequency (weekly, monthly or Annually)
  • Click next
  • Input Security word and Token/OTP
  • Click submit

Recurring transfers to a saved beneficiary

  • Log in to UnionOnline
  • Go to Transfer
  • Select set up standing orders (transfers)
  • Select Account to debit
  • Select the saved beneficiary
  • Enter Transfer narration
  • Enter Transfer amount
  • Select the start date
  • Select the end date
  • Select the frequency (weekly, monthly or Annually)
  • Click next
  • Input Security word and Token/OTP
  • Click submit
How do I setup recurring bills payments e.g. GoTv?
  • Log in to UnionOnline
  • Click on Transfer
  • Select set up standing orders (bills payment)
  • Select Account to debit
  • Select Biller category e.g. Cable Tv subscription
  • Select Biller e.g. Gotv
  • Select Product e.g. Gotv plus
  • Input Smart card number or IUC number
  • Click Validate to confirm name on IUC number
  • Select the start date
  • Select the end date
  • Select the frequency (weekly, monthly or Annually)
  • Click next
  • Input Security word and Token/OTP
  • Click submit
How do I request for a debit card?
  • Login to UnionOnline
  • Continue to your account
  • Go to Self service
  • Click Request for debit card
  • Select Account number
  • Choose card type e.g. Mastercard or Verve
  • Select card class
  • Select branch as pickup option
  • Select the branch where you would like pick up your card
  • Click Next
  • Input Security word
  • Input Token/OTP
  • Click Submit
How do I block/unblock a debit card?
  • Login to UnionOnline
  • Continue to your account
  • Click on self service
  • Select block/unblock debit card
  • Select your account
  • Input your security word
  • Enter Token and complete your request
How do I destroy a debit card?
  • Login to UnionOnline
  • Continue to your account
  • Click on self-service
  • Select destroy debit card
  • Select your account
  • Input your security word
  • Enter Token and complete your request

Transactions

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How often can I transfer funds?
Funds can be transferred as frequent as possible until the daily limit is exhausted.
Can I schedule future transfers?
Yes, you can schedule future transfers through the standing order menu.
How do I get my token during a transaction?

Visit any of our branches to request for your token

Check your balance

  • Generation your bank statements
  • Perform own bank and third-party transfers
  • Perform international transfers
  • Review your transaction history
  • Pay your bills
  • Schedule standing orders
What are the requirements for sending a transfer?

Sender’s full name
Receiver’s full name
Test Question and
Valid non-expired government issued photo ID
Send Amount
A duly completed ‘send form’
Transfer Amount plus fee
Can a Teller process a remittance transaction?
Yes, Tellers can process Remittance transactions.

What types of transactions can I perform on UnionOnline?

Check your balance

  • Generation your bank statements
  • Perform own bank and third-party transfers
  • Perform international transfers
  • Review your transaction history
  • Pay your bills
  • Schedule standing orders
What are the requirements for sending a transfer?

Sender’s full name
Receiver’s full name
Test Question and
Valid non-expired government issued photo ID
Send Amount
A duly completed ‘send form’
Transfer Amount plus fee

What is the Remittance Service?

Money transfer service from abroad into Nigeria and from Nigeria to diaspora.

Are the three money transfer services available in a select number of branches?

No, the 3 services are available at all Union Bank branches

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Can a Teller process a remittance transaction?

Yes, Tellers can process Remittance transactions.

Who determines the exchange rate and charges on transfers?

The exchange rate and transaction charge are determined by the Money Transfer Organization and not the Bank.

What is the Remittance Service?

Money transfer service from abroad into Nigeria and from Nigeria to diaspora

What is the turnaround time for Remittance transaction processing?

10 minutes

What is the transaction limit per customer for Western Union and MoneyGram transfers?

The limit set by CBN is $3,000 per quarter

In what currency are outbound transactions processed?

Naira

Can corporate organizations use this outbound service for paying subscriptions and fees abroad?

No, outbound transactions are available to individual customers only.

Which Remittance Products are offered by Union Bank?

MoneyGram, Western Union & Sigue

αlpher

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How is the αlpher proposition different?

At αlpher, we know and understand that women are multi-faceted and have interests that cut across different areas. We want to create solutions that fit every area of her life.

How can I join αlpher?

Open an account with Union Bank of Nigeria, and you automatically get invited to the community.

What are the benefits of being an αlpher woman?

To our vibrant community of women, αlpher offers a variety of benefits ranging from access to professional and personal development, business support services and invaluable networking opportunities.

We also offer quick cashflow loans at competitive rates, discounted healthcare plans and amazing lifestyle benefits.

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Why αlpher?

Women, through their entrepreneurship and enterprise, make a substantial contribution to the economy and society. In spite of their contributions, they face huge obstacles and challenges that severely limit their potential. At Union Bank, we want to be the support and enabler that will help women actualise their highest potential because we know that when women do well, we all do well.

What is αlpher?

αlpher is Union Bank’s proposition aimed at enabling success for the Nigerian woman. αlpher is for women from all walks of life.

Do we have to open Form M to do Form Q for our customers?
Yes. All wire transfers (Domiciliary Transfers & Form Q) for purchase of goods will be supported by Form Ms. going forward. The form M must be Valid for forex since FX is sourced officially.
Do we have to open Form M to do Telegraphic Transfer (TT)?
Yes. All wire transfers (Domiciliary Transfers & Form Q) for purchase of goods will be supported by Form Ms. going forward. In the case of transfer for purchase or importation of an item categorized as Non-valid for forex by CBN (42 items), CBN approval will be an additional documentation with the Non-Valid Form M.

Careers

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What should I expect during Union Bank’s recruitment process?
To make sure your application gets to the right person, apply for a specific role by submitting your CV/resume. A recruiter will then contact you if your profile is assessed as a potential fit for a role in the bank.
What should I expect during Union Bank’s recruitment process?
There are 3 major phases in the hiring process – Application, Assessment ( psychometric, case study analysis and presentation, interview) and Documentation. Successful candidates will be contacted at after each phase of the process.
How can I prepare for interview?
Help us get to know you by telling us how your prior experience and successes have prepared you for the role you applied for at Union Bank. Review the job description and conduct research on our product, team and the bank.
What is the typical assessment process for a CV/resume?
Once your CV/resume is received, it is shared with the appropriate recruiting professional. The recruiter compares your skills and experience with the requirements of the position applied for, as well as any other positions in the bank. You will be contacted if you are selected for consideration.
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Can I apply for more than one opening at the same time?
Yes, you can apply for multiple openings.
What should I do if I cannot find an opportunity that matches my profile?
You can submit your resume. We would keep you in view and contact you once we have a position that matches your experience. Your information will be made available to our recruiting professionals.
Is my information secured?
Yes, your information is safe and will only be viewed by the recruiting team or by the hiring manager of the position your are being considered for.

Careers

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What should I expect during Union Bank’s recruitment process?
To make sure your application gets to the right person, apply for a specific role by submitting your CV/resume. A recruiter will then contact you if your profile is assessed as a potential fit for a role in the bank.
What should I expect during Union Bank’s recruitment process?
There are 3 major phases in the hiring process – Application, Assessment ( psychometric, case study analysis and presentation, interview) and Documentation. Successful candidates will be contacted at after each phase of the process.
How can I prepare for interview?
Help us get to know you by telling us how your prior experience and successes have prepared you for the role you applied for at Union Bank. Review the job description and conduct research on our product, team and the bank.
What is the typical assessment process for a CV/resume?
Once your CV/resume is received, it is shared with the appropriate recruiting professional. The recruiter compares your skills and experience with the requirements of the position applied for, as well as any other positions in the bank. You will be contacted if you are selected for consideration.
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Can I apply for more than one opening at the same time?
Yes, you can apply for multiple openings.
What should I do if I cannot find an opportunity that matches my profile?
You can submit your resume. We would keep you in view and contact you once we have a position that matches your experience. Your information will be made available to our recruiting professionals.
Is my information secured?
Yes, your information is safe and will only be viewed by the recruiting team or by the hiring manager of the position your are being considered for.

Form Q & Form M

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What are the various processes from filling the form up to transaction consummation?

A prospective Importer goes to the Federal Inland Revenue Service (FIRS) to register his/her Tax Identification Number (TIN) (i.e. Peculiar Number given to individual Tax Payer). The TIN is registered by the FIRS and on the SINGLE WINDOW PORTAL [(i.e. Website used in processing Form M and Pre-Arrival Assessment Report (PAAR)]
The Documents required for Form M processing are:

Filled and Endorsed E-Form M Submission Form.
Pro Forma Invoice (which has a validity period of 90days)
Insurance Certificate (which must be typed and it must be 110% of C&F value)
An Endorsed SONCAP PERMIT/Product Certificate for Standard Organization of Nigeria (SON) regulated Products.
National Agency for Food and Drugs Administration and Control (NAFDAC) Permit for food, drugs and chemicals.
Department of Petroleum Resources (DPR) Permit for Oil and Gas Products.
Power holding Company of Nigeria (PHCN) Permit for Importation of Electricity Generators.
FISHERIES PERMIT for Fish Importation
IMPORTANT FACTS:

Note that Form M charge is N8,150 (BANK 3000 + 5000CBN + 150VAT)
Note that PAAR charge is N2, 625 (BANK2500 + 125VAT)
Note that Form M Extension Charge is N5, 250
Handwritten Insurance Certificates are not acceptable for Form M processing.
Insurance Value must be 110% of CFR Value.
SONCAP PERMIT/PRODUCT CERTIFICATE must be endorsed by the Authorized SON Officials.
Forms M/ BA Numbers are generated after Form M has been submitted to the Nigerian Customs for Approval via the SINGLE WINDOW FOR TRADE Platform.
Item of Import that is inspectable are preceded by “BA” non-Inspect able Import items are preceded by “CB”
Customers get an alert immediately the Form M has been Submitted and Approved respectively.
Importer sends the Form M and BA NUMBER to the beneficiary abroad to Inspect able items of Import.
Beneficiary sends the shipping documents for Pre-Arrival Assessment Report (PAAR)
The Shipping Documents include: Bill of lading, Commercial/Final Invoice, CCVO, Packing
List, Certificate of Analysis, and manufacturer’s Certificate of Production.
After the shipping has been processed via Single Window Platform for PAAR applications, the NCS issues the Pre-Arrival Assessment Report.
Exchange Control Document is submitted to the Bank after Goods as been cleared.
Amendment of Approved Form M on the Single Window Portal is not possible.

How does a customer that wants to pay for a software licensing go about it?

The customer must provide the following documents:

  • License Agreement.
  • Demand Note/Invoice
Does one Form M suffice for multiple TT transfers until full payment is made?

This is possible if the form M is opened to one beneficiary for the importation of a specific item for a specific amount. The payment can be made in tranches to the same beneficiary until the value of the form M is fully paid.

In the cases where we deal with middle men, different goods are assembled as one container. How do they raise form M in such cases?
The form M will have to be opened either directly to the middleman depending on the level of agreement between both parties or the customer identifies a beneficiary who will consolidate all the purchases from different manufacturers and ship them together.
How do we open a form M when its groupage?
The form M still needs to be opened for one beneficiary who can then arrange how the goods will be shipped.
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What are the charges on Letter of Credit to import Tractors and can we transfer in EUROs?
For credits, up to 180 days: 1% of the face value
For credits, up to 270 days: 1.25% of the face value
For credits, up to 360 days (these charges are on
The period of validity of the credit): 1.5% of the face value
We can transfer Euros if the invoice is in EUROs.
Is the Bank expected to process Form M for the customer or does the customer process and forward documents to bank for PAAR?
The customer is expected to open form M through the CBN e-form M single window. However, any customer that will like the bank to process same on their behalf will provide the bank with the following details.

a). Tax Identification Number (TIN) which would have been activated by FIRS
b) Proforma Invoice (PFI)
c) Insurance
d) Regulatory permits e.g SONCAP, NAFDAC, DPR as applicable

Do we have to open Form M to do Form Q for our customers?
Yes. All wire transfers (Domiciliary Transfers & Form Q) for purchase of goods will be supported by Form Ms. going forward. The form M must be Valid for forex since FX is sourced officially.
Do we have to open Form M to do Telegraphic Transfer (TT)?
Yes. All wire transfers (Domiciliary Transfers & Form Q) for purchase of goods will be supported by Form Ms. going forward. In the case of transfer for purchase or importation of an item categorized as Non-valid for forex by CBN (42 items), CBN approval will be an additional documentation with the Non-Valid Form M.

Union360

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What is Union360?
Union360 is Union Bank’s Corporate Internet Banking platform for payments and collections
How do I correct a wrong schedule on Union360?
The approver can decline the submitted schedule.
Can I request for cheque book and account statements with Union360?
Yes, you can request via Self-service on the platform.
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How do I register for Union360?
Click on Union360, fill the form and send to payments_transactionbanking@unionbankng.com
How do I access Union360?
Union360 is a web-based platform and users can log in from a secure internet browser
Is Union360 secure?
Yes, it is token based and has the ability for beneficiary accounts to be authenticated before payments are made.

UnionDirect

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What channels can I transact on as an agent?
  • USSD
  • WEB – Click here to log in to the web portal.
  • UnionDirect App – download the app from the playstore and log in with your credentials.
  • POS – available on request
How long does it take to get a POS?
7 working days from request date.
How often are agents’ commissions paid?
Commissions to agents are paid monthly.
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Who can be an agent?
Individuals
Business owners
Corporates with retail chains/large distribution networks
SMEs
How do I reset my password?
You can reset your password through the UnionDirect web portal. Click here to access the portal.
Do agents get rewarded?
Agents with high transaction counts are rewarded quarterly.

Mortgage

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Can a customer in diaspora get a mortgage loan?
No, but we are working to make this happen and soon our mortgage loans will be open to everyone.
Does the loan finance building of properties?
Our mortgage loans finance the purchase of fully completed residential buildings.
Do I have to pay an equity contribution of 20%?
You do not have to pay an equity contribution of 20% if you go with the equity release option.
Does Union Bank finance off plan properties?
No, we do not. We only finance the purchase of fully completed residential buildings.
Is the interest rate paid per annum or for the whole tenure of the loan?
The interest rate is paid per annum.
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What asset can be used as a collateral for the loan?
Fully completed residential buildings.
Is the mortgage loan offer available in all states in Nigeria?
The offer is only available to customers in Lagos, Abuja, PortHarcourt, Ibadan, Kano and Enugu.
What is the minimum monthly salary I should have to access the loan?
You should have a minimum salary of N250,000. Your spouse’s income can also be considered subject to terms and conditions.
Does Union Bank consider the average cost of properties in determining loan eligibility of customers?
Yes we do. We also consider your net monthly salary and your ability to pay down over the loan tenor.
How do you determine the loan amount I qualify for?
The loan amount is subject to 80% of the Forced Sale Value.

Careers

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How do I activate my card?
You can reach out to your Relationship Manager who will ensure that your card is activated. Once your card is active, please set your preferred pin on an ATM.
You can also call our 24/7 Contact Center on 07007007000 to activate your card. Once your card is active, please set your preferred pin on an ATM.
What should I expect during Union Bank’s recruitment process?
There are 3 major phases in the hiring process – Application, Assessment ( psychometric, case study analysis and presentation, interview) and Documentation. Successful candidates will be contacted at after each phase of the process.
In what currency are the credit cards issued and are they acceptable globally?
Union Bank credit cards are Naira denominated and can be used both locally and internationally.
Can I get a weekly statement of account to help monitor my expenses?
A statement of account will be sent monthly basis. Off-cycle statements can be obtained based on request.
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Will I be charged interest on my card limit?
No, interest will be charged only on your outstanding balance.
How secure is my card from cyber fraud?
To protect you, your card is enabled with a 2nd level authentication for online transactions. You will receive an OTP for online transactions.

Careers

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How do I receive money from abroad?

You can receive money from abroad through any of these Remittance products.

  • Western Union
  • MoneyGram
  • Ria
  • SmallWorld
  • Wari
Can I send money abroad?
You can send money abroad through Western Union or MoneyGram. Visit any Union bank branch to use this service.
What is the Remittance Service?
Money transfer service from abroad into Nigeria and from Nigeria to diaspora
What are the charges on outbound transfers?
The charges vary per Money Transfer Organization.
How can I receive money sent to me from abroad directly into my account?
  • Provide your Union Bank account number to the sender
  • The sender logs in to Ria/SmallWorld/WorldRemit Online Portal
  • The sender fills in your name, address, phone number, bank account name and number
  • The sender adds payment information, selects the ‘deposit directly into a bank account’ option and sends
How can I receive money sent to me from abroad directly into my account?

Union Bank Account Holders

  • You can receive $10,000 (Naira equivalent) per transaction,
  • You can send $1,000 (Naira equivalent) per quarter.

Walk-in customers

  • You can receive $1,000 (Naira equivalent) per transaction
  • You can send $1,000 (Naira equivalent) per quarter.
Which Remittance Products are offered by Union Bank?

Western Union, MoneyGram, Ria, SmallWorld, Wari and WorldRemit.

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What is the turnaround time for Remittance transaction processing?
10 minutes.
What do I need to send or receive money?

MoneyGram

  • BVN
  • Details of the sender/receiver, transaction amount

Western Union, Ria, Small World & Wari

  • Details of the sender/receiver, transaction amount
  • Any of the under listed ID types:
    – NIMC National ID card
    – Drivers License
    – International Passport
    – Permanent Voters Card
    – BVN
What are the benefits of sending/receiving money through Union Bank?
  • Easy international funds transfer without a dollar account.
  • Easy access to funds from any country around the world.
  • No need to source for dollar
  • Simple, secure, and fast
What is the transaction limit per customer for Western Union and MoneyGram transfers?

The limit set by CBN is $3,000 per quarter.

In what currency are outbound transactions processed?
Naira

Fixed Deposit Account

Account Benefit

With just ₦2,500 you can open a UnionSave account without any documentation. With the UnionSave account, you have access to secure, quick and convenient 24/7 banking with UnionOnline and UnionMobile.

Account Benefit

With just ₦2,500 you can open a UnionSave account without any documentation. With the UnionSave account, you have access to secure, quick and convenient 24/7 banking with UnionOnline and UnionMobile.