Diaspora Account
UBA’s Diaspora Banking offers Nigerians living abroad access to banking services via our product and service offerings.
Bank Away From Home
- Wherever You Are, Enjoy Peace of Mind
- 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.
UBA Diaspora Account
Non-resident Nigerians can open and operate a UBA account from anywhere in the world.
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.
Diaspora Savings Naira Account
Diaspora Savings DOM Advantage
Current Naira Account
Current Domiciliary Account
Non-Resident Nigerian Naira Account
Non-Resident Nigerian Domiciliary Account
Non-Resident Nigerian Investment Naira Account
Non-Resident Nigerian Investment Domiciliary Account
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
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
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UBA Diaspora Mortgage
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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?
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