Diaspora Account
UBA’s Diaspora Banking offers Nigerians living abroad access to banking services via our product and service offerings.
Fund Your Diaspora Account
- Enjoy Convenient Banking, Wherever You Are
- Funding your UBA Diaspora Naira Account is now easier. Select the link for your location to fund your account conveniently, from wherever you are.
- Built specifically for diaspora lifestyles
- Trusted partners across health, insurance, investments, and real estate
- Easy access and payments via UBA channels
- One ecosystem covering family, assets, business, and legacy
- Wherever You Are, Enjoy Peace of Mind
Diaspora in a Box
Home is where the heart really is
Protect, invest, and own assets in Nigeria from anywhere, with support from UBA and partners across real estate, healthcare, insurance and investment. One platform. Total peace of mind.
Real Estate
Investing in property back home shouldn’t feel complicated. You can own and manage assets in Nigeria with clarity and confidence.
Health & Medical Cover
Distance shouldn’t hinder care. These medical solutions ensure you and your loved ones have access to trusted healthcare locally and globally, when it matters most.
Investments & Wealth Management
Tailored solutions that help you grow and structure your wealth in Nigeria and globally, with expert guidance every step of the way.
Insurance Protection
While you build a life abroad, these insurance solutions help ensure your family, property, and legacy back home remain secure.
Diaspora Pensions
UBA is working in partnership with Licenced Pension Fund Operators (LPFOs) and the National Pension Commission (PenCom) to introduce a Diaspora Pension Product.
Why Diaspora in a Box is Right for You
- Built specifically for diaspora lifestyles
- Trusted partners across health, insurance, investments, and real estate
- Easy access and payments via UBA channels
- One ecosystem covering family, assets, business, and legacy
- Wherever You Are, Enjoy Peace of Mind
BVN Registration
Enroll for your Biometric Verification Number (BVN) from anywhere in the world! Your BVN provides a unique identity.
Real Estate
Investing in property back home shouldn’t feel complicated. You can own and manage assets in Nigeria with clarity and confidence.
Health & Medical Cover
Distance shouldn’t hinder care. These medical solutions ensure you and your loved ones have access to trusted healthcare locally and globally, when it matters most.
Investments & Wealth Management
Tailored solutions that help you grow and structure your wealth in Nigeria and globally, with expert guidance every step of the way.
Insurance Protection
While you build a life abroad, these insurance solutions help ensure your family, property, and legacy back home remain secure.
Diaspora Pensions
UBA is working in partnership with Licenced Pension Fund Operators (LPFOs) and the National Pension Commission (PenCom) to introduce a Diaspora Pension Product.
UBA Diaspora Account
Non-resident Nigerians can open and operate a UBA account from anywhere in the world.
Diaspora Savings Naira Account
A Naira-denominated savings account designed for Nigerians living abroad to save and manage funds in Nigeria.
Diaspora Savings DOM Advantage
A foreign currency savings account designed for Nigerians in the diaspora to hold and manage savings in a domiciliary account (USD, GBP & EUR).
Current Naira Account
A Naira-denominated current account that enables diaspora customers to manage local currency transactions in Nigeria.
Current Domiciliary Account
A foreign currency current account designed to facilitate the receipt, holding and management of foreign currency funds (USD, GBP & EUR).
Non-Resident Nigerian Naira Account
A Naira-denominated account for Nigerians residing outside Nigeria to manage funds and conduct eligible banking transactions in Nigeria.
Non-Resident Nigerian Domiciliary Account
A foreign currency account for Nigerians residing abroad to receive, hold and manage funds in eligible foreign currencies (USD, GBP & EUR).
Non-Resident Nigerian Investment Naira Account
A Naira-denominated investment account for non-resident Nigerians to facilitate eligible investments in Nigeria, subject to applicable regulatory requirements.
Non-Resident Nigerian Investment Domiciliary Account
A foreign currency investment account for non-resident Nigerians to facilitate eligible investments in Nigeria, subject to applicable regulatory requirements (USD, GBP & EUR).
Diaspora Mortgage Loan
Features
Debt Service Ratio – Salary Earners
Loan limit shall be tied to salary received less expenses, as evidenced by the customer’s statement of account/payment slip, subject to a Debt Service Ratio (DSR) of 40%.
Debt Service Ratio – Self-Employed Customers
Handled on a case-by-case basis. Loan limit shall be structured around cash flow and business turnover, based on 25% of the last 6 months’ average credit turnover.
Equity Contribution
Minimum of 40% of the mortgage value.
Tenor
Up to 120 months (10 years).
Disbursement
All disbursements shall be made in Naira.
Eligible Properties
Completed residential property
Completed commercial property
Maximum Loan Amount
₦400 million, subject to a maximum of 70% of the Forced Sale Value (FSV) of the property, as valued by a Bank-approved valuer.
BVN Registration
Enroll for your Biometric Verification Number (BVN) from anywhere in the world! Your BVN provides a unique identity.
Diaspora in a Box
Home is where the heart really is
Protect, invest, and own assets in Nigeria from anywhere, with support from UBA and partners across real estate, healthcare, insurance and investment. One platform. Total peace of mind.
Real Estate
Investing in property back home shouldn’t feel complicated. You can own and manage assets in Nigeria with clarity and confidence.
Health & Medical Cover
Distance shouldn’t hinder care. These medical solutions ensure you and your loved ones have access to trusted healthcare locally and globally, when it matters most.
Investments & Wealth Management
Tailored solutions that help you grow and structure your wealth in Nigeria and globally, with expert guidance every step of the way.
Insurance Protection
While you build a life abroad, these insurance solutions help ensure your family, property, and legacy back home remain secure.
Diaspora Pensions
UBA is working in partnership with Licenced Pension Fund Operators (LPFOs) and the National Pension Commission (PenCom) to introduce a Diaspora Pension Product.
Why Diaspora in a Box is Right for You
- Built specifically for diaspora lifestyles
- Trusted partners across health, insurance, investments, and real estate
- Easy access and payments via UBA channels
- One ecosystem covering family, assets, business, and legacy
- Wherever You Are, Enjoy Peace of Mind
Accounts
Stay connected to your finances back home, wherever life takes you. Our Diaspora Accounts make it easy to manage your money, send funds to Nigeria, and support your financial goals while living abroad.
UBA Diaspora Mortgage
Our Diaspora Mortgage Loan helps Nigerians living abroad finance the purchase of their dream homes back home, making homeownership simpler and more accessible.
BVN Registration
Enroll for your Biometric Verification Number (BVN) from anywhere in the world! Your BVN provides a unique identity.
Frequently Asked Questions
Find answers to frequently asked questions about our diaspora banking.
Why Diaspora in a Box is Right for You
- Built specifically for diaspora lifestyles
- Trusted partners across health, insurance, investments, and real estate
- Easy access and payments via UBA channels
- One ecosystem covering family, assets, business, and legacy
- Wherever You Are, Enjoy Peace of Mind
Diaspora in a Box
Fill this form
UBA Diaspora Mortgage
Fill this form
Frequently Asked Questions
To submit forms and make further enquiries, please send an email to Diaspora Banking team at diasporasupport@ubagroup.com.
What is a Diaspora account?
The Diaspora Banking Account is a platform that allows Nigerians living and working outside the country to maintain transactional accounts and perform domestic and foreign transfers through their accounts with UBA.
Who are the target customers for the diaspora accounts?
All Nigerians/Africans above 18 years living legitimately in foreign countries are welcome to open Diaspora accounts.
How can I open a UBA Diaspora account?
Diaspora accounts can be opened online by clicking the link:
https://aop.ubagroup.com.
What documents are required to open a diaspora account?
- Duly Completed Diaspora Account Opening Form via the Online.
- Means of Identification (Valid Nigerian International passport/ Driver’s license/ resident permit/work permit or foreign passport with Nigerian place of birth/country of origin backed with any form of Nigerian ID even if expired.
- Proof of address (Utility bill for the last 2 months or Bank Statement for the last 6 months).
- Proof of source of funds (recent pay slip/ work id/ letter of reference from current bankers/ business registration documents if self-employed).
- 1 recent passport photograph (for joint account holders, one recent passport for each signatory).
What electronic channels and services are accessible to Diaspora customers?
Below are services and e-channels accessible to Diaspora account holders:
Debit card services: MasterCard and Visa Card (FCY and Naira denominated).
Electronic Channels: Internet banking, Mobile banking or Leo.
Also, customers with Naira and FCY account can request for a Dual Visa Card which enables linking both accounts to one card.
What is the opening balance for a Diaspora account?
What is the opening balance for a Diaspora account?
The opening balance is zero.
Do I get interest on the diaspora account?
Yes. The interest rate for Diaspora Naira Savings is 7.425% while the Diaspora Domiciliary Account is at 0.10%.
How can I fund my diaspora accounts?
i. Transfer funds from your foreign Bank account into your UBA diaspora accounts using the swift codes. Click here to see transfer codes.
ii. Paying in cheques and cash into Diaspora Naira Savings account and cash (foreign currency) into Diaspora Domiciliary account at any UBA Branch in Nigeria.
iii. Send money directly into UBA Naira Savings account using our money transfer partners. See money transfer partners.
Do I have access to credit cards?
No.
Can corporate accounts be opened for diaspora customers?
No. This service is limited to only individual account holders.
How much is SMS alert charges for the diaspora account?
SMS notification charges are recoverable as stipulated in the CBN Guide to Bank charges and subject to the telecom network carrier charges
How can I get my internet banking log in detail on the diaspora account?
i) Customers can download the internet banking enrolment forms from the UBA website.
ii) Submit the filled forms to diasporasupport@ubagroup.com.
iii) The log in details (which includes the username and password) will be received via the customer’s registered email address for confidentiality.
How can I get a debit card/Token?
i) Customer fills the debit card/token and indemnity forms.
ii) Token costs ₦2,500.
iii) Naira Debit Card issuance fee is ₦1, 075 (VAT inclusive) with subsequent quarterly maintenance fee of ₦53.75
iv) Dollar debit Card costs ₦1, 075 or equivalent in dollar and an annual maintenance fee $10 or its equivalent in other currencies will be charged.
v) Courier charge varies with location and the cost will be debited from customer’s account.
vi) All documents alongside the forms should be sent to diasporasupport@ubagroup.com.
How do I request for a third party to pick up my Token/Card?
i) Customer fills the debit card/token and third-party indemnity forms.
ii) All documents alongside the form should be sent to diasporasupport@ubagroup.com
iii) This third-party customer visits the selected Branch with a valid ID card to pick up the token/debit card.
What is the UBA secure pass and how can I get it?
UBA Secure Pass is an alternative to the token which can be downloaded from the application store which is used in authorizing transactions and identity management on all UBA’s electronic channels like the Internet Banking, Mobile Banking and Leo which require authorization of transactions.
How much is a secure pass?
The secure pass is free.
How can I add a signatory on my account?
The customer fills the mandate form and provides intended signatory’s BVN, passport photograph and valid means of identification.
Can NRN customers lodge cheques and dividend warrants into their NRN account?
Yes, local cheques and dividend warrants can be lodged into the customer’s account through any of the bank branches in Nigeria.
UBA Diaspora Account
Non-resident Nigerians can open and operate a UBA account from anywhere in the world.
Features and Benefits
- Account can be in Naira, Dollars, Pounds or Euros.
- Get a debit card shipped to you anywhere in the world (Customers with both Naira & Domiciliary accounts can request a dual currency debit card).
- Keep track of transactions via our digital channels.
- Make bill payments in Nigeria and top up airtime (Nigerian networks).
- Attractive interest rates at 7.425% for Naira accounts while Diaspora Domiciliary Account is 0.10%.
Requirements
- Duly Completed Diaspora Account Opening Form via the Online account opening page.
- A valid means of identification (Valid Nigerian International passport/ Driver’s license/ resident permit/work permit or foreign passport with Nigerian place of birth/country of origin backed with any form of Nigerian ID even if expired.
- Proof of address {Utility bill for the last 2 months or Bank Statement for the last 6 months}.
- Proof of source of funds (recent pay slip/ work ID/ letter of reference from current banker/ business registration documents if self-employed).
- 1 recent Passport photograph {for joint account holders, one recent passport photograph for each signatory).
Get Started
Below are the steps to open a Diaspora account.
- Go to the diaspora online account opening page here and complete all necessary fields.
- Upload all required documents and submit.
- An account number will be generated and sent to you via email.
Heirs Insurance Solutions
Heirs Insurance offers a wide range of protection designed for diaspora needs, from life and health support to property, travel, and mortgage protection.
- Life and health insurance for family back home
- Home, property, and builders’ insurance
- Travel and marine cargo cover
- Mortgage protection assurance
United Capital Wealth Management
Diversify your portfolio and plan confidently for the future with United Capital’s personalised wealth management and global investment solutions.
- Personalised wealth and investment advisory
- Access to global markets and leading fund managers
- Offshore investment and portfolio diversification
- Wealth protection, retirement, and legacy planning
BVN Registration
The Bank Verification Number (BVN) is an 11-digit unique identity for each individual across the Nigerian Banking industry. The BVN ensures you can engage securely in transactions at any Point of Banking operations in Nigeria.
Enroll for your BVN at appointed enrolment locations abroad.
Avon International Health Plans
Avon’s international plans combine strong local coverage in Nigeria with access to world-class medical facilities abroad. From everyday care to critical emergencies, you’re covered across borders.
- International medical cover with optional USA inclusion
- Emergency evacuation, repatriation, and assistance
- Comprehensive inpatient and outpatient benefits
- Flexible plans for individuals, families, and SMEs
Diaspora Pensions
This initiative allows Nigerians living abroad to:
- Contribute to the Nigerian Contributory Pension Scheme (CPS) from overseas.
- Accumulate retirement savings in both local and foreign currency.
- Enjoy secure investment management of their pension funds in line with PenCom’s regulations.
The product will bridge the gap for diaspora Nigerians who wish to maintain retirement plans in Nigeria, ensuring long-term financial security and reinvestment in the national economy.
Afriland Properties
Afriland offers access to quality residential and commercial real estate developments in Nigeria, designed to help diaspora customers invest securely and transparently.
- Verified real estate developments
- Residential and commercial property options
- Structured ownership processes
- Long-term asset value
Interested in Opening an Account?
Fill the form
Diaspora Accounts
Diaspora Savings Naira Account
A Naira-denominated savings account designed for Nigerians living abroad to save and manage funds in Nigeria.
Diaspora Savings DOM Advantage
A foreign currency savings account designed for Nigerians in the diaspora to hold and manage savings in a domiciliary account (USD, GBP & EUR).
Current Naira Account
A Naira-denominated current account that enables diaspora customers to manage local currency transactions in Nigeria.
Current Domiciliary Account
A foreign currency current account designed to facilitate the receipt, holding and management of foreign currency funds (USD, GBP & EUR).
Non-Resident Nigerian Naira Account
A Naira-denominated account for Nigerians residing outside Nigeria to manage funds and conduct eligible banking transactions in Nigeria.
Non-Resident Nigerian Domiciliary Account
A foreign currency account for Nigerians residing abroad to receive, hold and manage funds in eligible foreign currencies (USD, GBP & EUR).
Non-Resident Nigerian Investment Naira Account
A Naira-denominated investment account for non-resident Nigerians to facilitate eligible investments in Nigeria, subject to applicable regulatory requirements.
Non-Resident Nigerian Investment Domiciliary Account
A foreign currency investment account for non-resident Nigerians to facilitate eligible investments in Nigeria, subject to applicable regulatory requirements (USD, GBP & EUR).
Diaspora Mortgage Loan
1. Personal Identification and Address Verification
- Valid Nigerian International Passport or other acceptable means of identification.
- Proof of residential address in your country of residence.
- Proof of Nigerian address, such as a utility bill, bank statement or tenancy agreement.
- Attestation of your passport and supporting documents by a Notary Public, Nigerian Embassy or Banker.
2. Proof of Income and Repayment Capacity
For Salary Earners:
- Employment letter on your employer’s official letterhead.
- Latest six (6) months’ payslips.
- Twelve (12) months’ bank statements showing consistent salary inflows and other income sources, where applicable.
- Valid work ID or other acceptable evidence of source of funds.
For Self-Employed Customers:
- Twelve (12) months’ business bank statements.
- Financial statements and business tax returns for the last two (2) years.
- Business registration documents.
- Corporate Search Report for verification and due diligence.
- Evidence of other income sources or properties owned, where applicable.
3. UBA Account Requirements
- An active UBA Diaspora Naira account and Diaspora domiciliary account in an eligible foreign currency (USD, GBP or EUR).
- Evidence of consistent income inflows and sufficient repayment capacity.
4. Property Documentation (Where a Property Has Been Identified)
- Offer letter from the property owner or seller.
- Property title documents, such as a Certificate of Occupancy or Deed of Assignment.
- Purchase agreement and other relevant property documents, as applicable.
Features
Debt Service Ratio – Salary Earners
Loan limit shall be tied to salary received less expenses, as evidenced by the customer’s statement of account/payment slip, subject to a Debt Service Ratio (DSR) of 40%.
Debt Service Ratio – Self-Employed Customers
Handled on a case-by-case basis. Loan limit shall be structured around cash flow and business turnover, based on 25% of the last 6 months’ average credit turnover.
Equity Contribution
Minimum of 40% of the mortgage value.
Tenor
Up to 120 months (10 years).
Disbursement
All disbursements shall be made in Naira.
Eligible Properties
Completed residential property
Completed commercial property
Maximum Loan Amount
₦400 million, subject to a maximum of 70% of the Forced Sale Value (FSV) of the property, as valued by a Bank-approved valuer.
Frequently Asked Questions
What is a Diaspora account?
The Diaspora Banking Account is a platform that allows Nigerians living and working outside the country to maintain transactional accounts and perform domestic and foreign transfers through their accounts with UBA.
Who are the target customers for the diaspora accounts?
All Nigerians/Africans above 18 years living legitimately in foreign countries are welcome to open Diaspora accounts.
How can I open a UBA Diaspora account?
Diaspora accounts can be opened online by clicking the link:
https://aop.ubagroup.com.
What documents are required to open a diaspora account?
- Duly Completed and Signed Account Opening Form
- Bank Verification Number (BVN)
- NRN KYC Documentation
Identification Documents – any of the following:
* Valid Nigerian passport; or
* Expired Nigerian passport with:
* A valid foreign passport; or
* A valid residence permit/proof of residency; or
* Valid foreign passport with evidence of Nigerian citizenship of either parent.
Proof of Residency – any one of the following:
* Utility bill
* Tax payment receipt
* Bank statement
Proof of Profession and Source of Income For Salaried Individuals:
* Salary slip or;
* Bank account statement or;
* Tax receipt For Self-Employed Individuals:
* Business registration document or;
* Bank account statement or;
* Tax receipt
What electronic channels and services are accessible to Diaspora customers?
What is the opening balance for a Diaspora account?
The opening balance is zero.
Do I get interest on the diaspora account?
Yes. The interest rate for Diaspora Accounts is subject to CBN Guide to Bank
How can I fund my diaspora accounts?
i. Transfer funds from your foreign Bank account into your UBA diaspora accounts using the swift codes. Click here to see transfer codes.
ii. Paying in cheques and cash into Diaspora Naira Savings account and cash (foreign currency) into Diaspora Domiciliary account at any UBA Branch in Nigeria.
iii. Send money directly into UBA Naira Savings account using our money transfer partners. See money transfer partners.
Do I have access to credit cards?
No.
Can corporate accounts be opened for diaspora customers?
Yes
How much is SMS alert charges for the diaspora account?
SMS notification charges are recoverable as stipulated in the CBN Guide to Bank charges and subject to the telecom network carrier charges
How can I get my internet banking log in detail on the diaspora account?
i) Customers can download the internet banking enrolment forms from the UBA website.
ii) Submit the filled forms to diasporasupport@ubagroup.com.
iii) The log in details (which includes the username and password) will be received via the customer’s registered email address for confidentiality.
How can I get a debit card/Token?
i) Customer fills the debit card/token and indemnity forms.
ii) Courier charge varies with location and the cost will be debited from customer’s account.
iii) All documents alongside the forms should be sent to diasporasupport@ubagroup.com.
How do I request for a third party to pick up my Token/Card?
i) Customer fills the debit card/token and third-party indemnity forms.
ii) All documents alongside the form should be sent to diasporasupport@ubagroup.com
iii) This third-party customer visits the selected Branch with a valid ID card to pick up the token/debit card.
What is the UBA secure pass and how can I get it?
UBA Secure Pass is an alternative to the token which can be downloaded from the application store which is used in authorizing transactions and identity management on all UBA’s electronic channels like the Internet Banking, Mobile Banking and Leo which require authorization of transactions.
How much is a secure pass?
The secure pass is free.
How can I add a signatory on my account?
The customer fills the mandate form and provides intended signatory’s BVN, passport photograph and valid means of identification.
Can NRN customers lodge cheques and dividend warrants into their NRN account?
Yes, local cheques and dividend warrants can be lodged into the customer’s account through any of the bank branches in Nigeria.
What documents may be required if I live abroad and want to reactivate my account?
- Completed Customer Data Update Form with Account Reactivation ticked.
- Utility bill not more than three months old and account statement.
- Proof of a minimum account funding of ₦500 within the last six months.
- Valid ID, proof of source of funds, and written instruction to update the address due to relocation.
Click here to reactivate your account
I already have an account in Nigeria; can I migrate to the equivalent account in the diaspora suite?
Yes, you can by sending a signed request to diasporasupport@ubagroup.com and providing supporting documentation.
Can I increase my transaction limit on my UBA account while living abroad?
Yes, you can submit a request for an increase to your applicable digital banking transaction limit, subject to the Bank’s approval and applicable requirements.
What transaction limits are available on UBA digital banking channels?
The limits available depend on the digital banking channel and the applicable account arrangements. Please contact the UBA Diaspora Support Team to confirm the available limits for your account and the requirements for requesting an increase.
How do I update my mobile number/email address after relocating abroad?
Completed Customer Data Update Form with the applicable indemnity and a valid means of identification. The Bank may require additional verification before processing your request.
Can my UBA debit card be delivered to me abroad?
Yes, debit card dispatch by courier is available for Diaspora customers, subject to the Bank’s applicable requirements and delivery arrangements.
How do I transfer and access funds on my account from my location abroad?
You can credit your diaspora account directly from your bank abroad via wire transfers using our offshore bank details or through any International Money Transfer Operator. Our E-channels are available for you to access your account.
What value offerings are presently being offered?
Diaspora Accounts: Naira and domiciliary accounts for convenient management of funds.
Investment Opportunities: Access to investment opportunities through the Non-Resident Nigerian Investment Account (NRNIA).
Diaspora Mortgage: Access to mortgage financing for eligible customers, subject to the Bank’s applicable credit requirements.
International Fund Transfers: Ability to receive funds from abroad through wire transfers and supported International Money Transfer Operators (IMTOs).
Digital Banking: Convenient access to accounts and banking services through UBA’s digital channels.
Can I open an account in any currency?
Accounts can be opened in NGN, USD, GBP and EUR
Whom can I contact if I need further assistance with my UBA Diaspora account?
For assistance with your UBA Diaspora account, including account reactivation, digital banking access, transaction limit requests, customer data updates, debit card services, SecurePass enrolment and other account-related enquiries, please contact the UBA Diaspora Support Team at diasporasupport@ubagroup.com.
