UBA’s main customer care number is +234-700-225-5822 (0700-CALL-UBA), available 24/7 for all banking inquiries, complaints, and emergencies. You can also reach them via email at [email protected] or through their WhatsApp line at +234-903-001-0007.

Look, we’ve all been there. Your ATM card gets swallowed on a Friday evening, or that urgent transfer just vanished into thin air. The frustration is real, especially when you can’t figure out who to call or whether that number you found online is even legit. With so many fake customer service numbers floating around social media, getting the right contact details for United Bank for Africa (UBA) can feel like finding a needle in a haystack.

This guide cuts through the noise. We’ll show you every legitimate way to reach UBA customer care, what to expect when you call, and smart alternatives when the phone lines are jammed.

How to Contact UBA Customer Care: All Official Channels

Contact Method	Details	Best For	Availability	Tips & Notes
Phone	0700 225 5822 (Toll-Free)	Urgent issues, fraud reporting, account lockouts	24/7	Have account details ready to avoid delays. Peak hours may have longer wait times.
WhatsApp	+234 903 001 0007	Quick queries, Leo chatbot assistance, transaction issues	24/7 (Chatbot), 8 AM–8 PM (Human Support)	Faster than phone for non-urgent issues. Use Leo for basic inquiries like balance checks.
Email	[email protected]	Transaction disputes, formal complaints, detailed inquiries	24/7 (Response within 24–48 hours)	Include account number and transaction ID for quicker resolution.
Live Chat	Available on UBA website and mobile app	App issues, password resets, general inquiries	8 AM–8 PM WAT	Best for tech-savvy users; requires stable internet.
Social Media	Twitter (@UBAGroup), Facebook, Instagram	General inquiries, updates, feedback	8 AM–6 PM WAT (Response times vary)	Avoid sharing sensitive details publicly; use DMs for privacy.
Branch Visit	Use UBA Branch Locator on website	Complex issues (loans, account openings, disputes)	Monday–Friday, 8 AM–4 PM WAT	Bring ID and account details; check branch hours online.
Leo Chatbot	Accessible via WhatsApp, Facebook, or UBA app	Balance checks, transfers, basic account queries	24/7	Type “Hi” to start; limited to basic tasks but fast.

Security Tip: Always use official UBA channels to avoid phishing scams. Report fraud immediately via the toll-free number or WhatsApp. For more details, visit the UBA website or contact [email protected].

Primary Phone Numbers

Main Customer Care Line:

+234-700-225-5822 (0700-CALL-UBA)
Available 24/7
Toll-free from all Nigerian networks
Best for urgent issues like fraud, lost cards, or failed transactions

Alternative Numbers:

+234-1-280-8822 (Lagos landline)
+234-2-012808822 (Direct line)
+234-1-631-9822 (Backup line)

The 0700 number is your best bet. It’s free to call from any Nigerian network, and the wait times are usually shorter compared to the Lagos landlines.

Email Support

Primary Email: [email protected]

Email works well for non-urgent issues that need detailed documentation. Think account statements, transaction disputes that require paperwork, or formal complaints. Response time is typically 24-48 hours, but don’t rely on email for emergencies.

WhatsApp Support

WhatsApp Number: +234-903-001-0007

This is quietly becoming the most popular way to reach UBA. The response is usually faster than email, and you can send screenshots of error messages or transaction receipts directly. Just save the number and send a message with your inquiry.

UBA monitors their social media accounts actively:

Twitter/X: @UBAGroup
Facebook: UBA Nigeria
Instagram: @ubanigeriaplc

Pro tip: Public complaints on Twitter often get faster responses than private messages. Banks hate negative publicity, so they prioritize resolving issues aired publicly.

When to Use Each Contact Method

Call Immediately For:

Lost or stolen ATM cards
Suspected fraud or unauthorized transactions
Failed transfers where money was debited
Account blockages or freezes
Emergency cash needs abroad

Use WhatsApp or Email For:

Account statement requests
Transaction history inquiries
General product information
Non-urgent complaints
Documentation requests

Phone lines are busy for hours
Email responses are delayed beyond 48 hours
You need public pressure for resolution
Standard channels aren’t working

UBA Customer Care for Specific Issues

Failed Transfer Problems

The most common reason people call UBA customer care? Failed transfers where your account was debited but the recipient never got the money. When this happens:

Call 0700-225-5822 immediately
Have these details ready:
- Your account number
- Transaction reference number
- Date and time of transfer
- Recipient’s account details
- Amount involved

Most reversal requests are processed within 24 hours, but calling early speeds up the process.

Lost or Stolen Cards

UBA’s card hotline is the same 0700-225-5822 number. But here’s what many people don’t know: you can also use the 9199# USSD code to block your card instantly, even without airtime.

Steps to block via USSD:

Dial 9199#
Select “Block Card”
Enter your account number
Follow the prompts

This blocks the card immediately while you’re trying to reach customer care.

International Customer Support

If you’re calling from outside Nigeria:

UBA America: +1-212-308-7222 UBA UK: +44-207-766-4600 UBA France: +33-1-4742-0720

These lines handle issues for UBA customers living abroad or dealing with international transactions.

What to Expect When You Call

Average Wait Times

Peak hours (9 AM – 5 PM): 10-15 minutes
Off-peak (6 PM – 8 AM): 3-7 minutes
Weekends: Usually shorter waits

Information You’ll Need

Before calling, have these ready:

Your account number
BVN (Bank Verification Number)
Phone number linked to your account
Recent transaction details (if applicable)
A quiet environment for the call

When you call, you’ll hear automated options like:

Press 1 for Account inquiries
Press 2 for Card services
Press 3 for Internet banking
Press 4 for Complaints
Press 0 to speak with an agent

Insider tip: Pressing 0 immediately sometimes gets you to a human faster than navigating the menu.

Alternative Ways to Get Help

UBA Leo Chatbot

UBA’s AI assistant Leo is available on:

WhatsApp: +234-919-699-8772
Facebook Messenger
UBA mobile app

Leo can help with basic inquiries like account balance, transaction history, and simple troubleshooting. It’s not perfect, but it’s available 24/7 and can handle routine questions.

Branch Visits

Sometimes, you just need to visit a branch. This works best for:

Opening new accounts
Document submissions
Complex account issues
Face-to-face complaint resolution

Use UBA’s branch locator at ubagroup.com to find the nearest location.

USSD Banking (*919#)

Many issues can be resolved without calling customer care:

Check balance: 91900#
Transfer money: 9193#
Buy airtime: 9192#
Block card: 9199#
Get account number: 91918#

This works on any phone, even without internet.

Red Flags: Avoiding Fake Customer Care Numbers

Scammers love to create fake customer care lines. Here’s how to stay safe:

Only Use These Official Numbers:

0700-225-5822
+234-1-280-8822
+234-903-001-0007 (WhatsApp only)

Warning Signs of Fake Numbers:

They ask for your PIN or password
They request upfront payments for “verification”
The number isn’t listed on UBA’s official website
They pressure you to act immediately
They can’t access your account details

Always verify numbers through UBA’s official website or app before calling.

Escalation Process: When Customer Care Isn’t Enough

Sometimes, regular customer care can’t resolve your issue. Here’s how to escalate:

Step 1: Ask for a Supervisor

During your call, politely request to speak with a supervisor or team lead. They often have more authority to resolve complex issues.

Step 2: Email the CFC

Send a detailed complaint to [email protected] with:

Your full name and account details
Clear description of the problem
Previous reference numbers from calls
What resolution you’re seeking

Step 3: Central Bank of Nigeria (CBN)

If UBA doesn’t resolve your complaint within 30 days, contact CBN’s Consumer Protection Department:

Email: [email protected]
Phone: +234-700-225-5226

Step 4: Banking Ombudsman

As a last resort, contact the Banking Ombudsman at [email protected]

Tips for Faster Resolution

Before You Call:

Choose off-peak hours when possible
Have all relevant information ready
Be in a quiet location with good network
Write down your complaint reference number

During the Call:

Stay calm and polite (angry customers often get longer wait times)
Be specific about your problem
Ask for the agent’s name and reference number
Take notes of what was discussed

Follow-Up Strategy:

Call back if promised timelines aren’t met
Keep records of all interactions
Use multiple channels if one isn’t working
Don’t hesitate to escalate if needed

International Customers: Special Considerations

If you’re a Nigerian living abroad with a UBA account:

Time Zone Challenges

Nigerian customer care operates on West Africa Time (WAT). Plan your calls accordingly:

US East Coast: Nigeria is 5-6 hours ahead
UK: Nigeria is 1 hour ahead
Dubai: Nigeria is 3 hours behind

Currency Issues

For forex-related problems, the international lines (+1-212-308-7222 for US) are more equipped to help than the Nigerian lines.

Documentation Requirements

International customers might need additional verification when calling. Have your:

International passport
Proof of address abroad
Recent transaction history

Mobile App Support Features

The UBA Mobile Banking App has built-in support features:

Live Chat

Access live chat directly through the app. This often has shorter wait times than phone calls.

Transaction Dispute

Report transaction issues directly through the app with automatic reference number generation.

Card Management

Block/unblock cards, request replacements, and change PINs without calling customer care.

Leo Integration

The AI assistant is built into the app for 24/7 basic support.

Frequently Asked Questions

Is UBA customer care really 24/7?

Yes, the main line (0700-225-5822) operates 24/7. However, some specialized services might have limited hours.

How long does it take to reverse a failed transaction?

Most reversals happen within 24 hours if reported immediately. Complex cases might take 3-5 business days.

Can I report fraud through WhatsApp?

Yes, but for urgent fraud cases, calling is faster. WhatsApp is good for follow-ups and documentation.

What if I’m traveling and can’t access Nigerian numbers?

Use the international lines or email [email protected]. You can also use the mobile app if you have internet access.

Are there charges for calling customer care?

The 0700 number is toll-free from Nigerian networks. International calls will incur standard charges.

Can someone else call on my behalf?

UBA requires the account holder to verify their identity. Third parties typically can’t access account information.

What’s the best time to call for shorter wait times?

Early mornings (6-8 AM) and late evenings (8-10 PM) usually have shorter queues.

How do I know if a customer care number is legitimate?

Only use numbers listed on UBA’s official website (ubagroup.com) or mobile app. When in doubt, visit a branch to verify.

Can I get account statements through customer care?

Yes, but email requests to [email protected] are often faster for statement requests.

What should I do if customer care can’t resolve my issue?

Ask to speak with a supervisor, then follow the escalation process through CBN if necessary. Document all interactions for future reference.

Final Thoughts

Banking problems are stressful enough without wondering if you’re calling the right number or talking to the right person. With UBA’s multiple contact channels, you’ve got options whether you prefer calling, messaging, or visiting in person.

Remember: the 0700-225-5822 number is your main lifeline for urgent issues. WhatsApp (+234-903-001-0007) works great for non-urgent inquiries. And when all else fails, social media pressure can work wonders.

Keep this guide handy, stay vigilant about fake numbers, and don’t hesitate to escalate when needed. Your money, your account, your peace of mind—you deserve proper customer service.