I’ve been banking with UBA for a couple of years now, and honestly, it’s been a mixed experience. On the positive side, their mobile app is quite functional you can do most things like transfers, airtime top ups, and bill payments without needing to visit a branch. I also find the Leo chatbot on WhatsApp pretty handy for quick tasks.
However, there are times when the app lags or fails to complete transactions, which can be frustrating, especially when you're in a hurry. Also, resolving issues through customer care can take time. Sometimes you need to follow up more than once before getting a proper response.
UBA is still one of the more reliable banks I’ve used. They have a strong presence across Nigeria, and when things work smoothly, it’s a good experience. Just be ready for occasional delays, like with most banks here.
