Pryme
Sign up
Pryme Personal

Money with a heartbeat.

Meet Eva, the assistant inside the Pryme app. She opens accounts, moves money, saves toward your goals and follows up. Nothing leaves your account without your approval.

Meet Eva, the assistant inside the Pryme app. She holds dollars, pounds, euros and Naira side by side, swaps at a locked rate, pays bills in any of them and sends anywhere, asking before anything moves.

HomeEvery currency, every Box and every card on one screen.
Chat with EvaTell her the goal. She handles the steps and asks before anything moves.
Savings BoxesFlexible, Fixed, Investment and Interest-free, side by side.
Create a BoxPick the type, name the goal. Eva works out what to move, and when.
LoansSpaces credit and Salary Advance. Draw only what you need.
Invite friendsThree friends, ₦50,000 each, and ₦20,000 lands with you.
YouEva’s voice, your plan, your address and every security control.
Duress signalA word that looks normal on screen while your people are alerted.
Chat with EvaTell her the goal. She handles the steps and asks before anything moves.
Swap at the live rateOr name the rate you want and she swaps the moment it lands.
One card, every currencySpend from whichever balance suits, and freeze it from the app.
What Eva may do without askingStanding permissions, a voice, and a record of every rule you have given her.
Receipts anyone can verifyRegular or certified statements, e-signed and checkable by whoever receives them.
Open a personal account How we keep your money safe
Pryme app: Home
Pryme app: Chat with Eva
Pryme app: Savings Boxes
Pryme app: Create a Box
Pryme app: Loans
Pryme app: Invite friends
Pryme app: You
Pryme app: Duress signal
Pryme app: Chat with Eva
Pryme app: Swap at the live rate
Pryme app: Multicurrency card
Pryme app: What Eva may do without asking
Pryme app: Receipts and statements
MoneyAgentsApprovalAgentsEvery currencyYour approval

Open an account. Get money to spend.

Global money. Intelligent growth.

We give you a limit to spend at the shops and services you already use — and an account that works on your month while you get on with it. Dollars, pounds and euros sit beside your Naira, and an assistant handles the running of it, asking you first every single time.

One global account for your money and business. Move across currencies, automate everyday operations and put AI agents to work — with you in control of every important decision.

Open Personal or Business Account Already with us? Log in
Open a Business account Download the app for Personal Open an account from anywhere
Pryme app home: every currency on one balance
Personal · the app in your hand
Salary landed₦920,000 from John Doe Ltd · Naira account
Done
Move ₦100,000 to your Rent Box?Keeps ₦127.9m liquid · earns 18% p.a.
Approve
Paid Ikeja Electric₦18,400 · token sent by SMS
Done
Swap $200 → ₦310,000?Rate locked at ₦1,550 for 30 s
Approve
Held a ₦150,000 transferNew payee · unusual hour · needs you
Review
Received $2,400From a client · USD account
Done
Swap $200 → £—?Rate locked for 30 s
Approve
Paid the light bill at home₦18,400 · Ikeja Electric
Done
Keep $1,000 liquid, save the rest?$1,400 → Flexible Box
Approve
Held a £2,000 transferNew payee · needs you
Review
Eva is live
500,000+customers, personal and businessScan to get the app
Get the appScan with your phone camera
Regulated partnersEvery currency held with a licensed institution in its market
Solid AllianzeCBNNDIC
Scan to get the app
Get the appScan with your phone camera
Instant settlementOur own core ledger: swaps land at once, every receipt verifiableScan to get the app
Get the appScan with your phone camera
Agents with a mandatePowered by Pryme Intelligence. Nothing moves without youFlip
Pryme Intelligence
Eva, the assistant that runs a Pryme accountEvayour assistant
The Chief of Staff agent on a Pryme Business AccountDanielChief of Staff
The Finance agent on a Pryme Business AccountBenFinance
PrymeBruceCare
Inside a mandate you write. Every action logged.
Multi-currency30 currencies on one balanceFlip
Locked rates30 s
🇺🇸 1 USD—
🇬🇧 1 GBP—
🇪🇺 1 EUR—
The rate you see is the rate you get.
10 years2016 to today, one trunkScan to get the app
Get the appScan with your phone camera
Business Account

Open an account. Get customers.

Your competitor down the road sells the same thing you sell. The difference is who walks in. We put money in people’s hands that can only be spent in businesses like yours — and then we point them at you.

The Pryme Business home page: three currency balances on one account, the money actions, five agents working and a live stream of what they have done
Business · the page your team signs into
Spaces · Nigeria

We hand the customer the money. It can only be spent with you.

You are not borrowing. You are selling to somebody who already has the money — and that money can only be spent with a business like yours.

The business · Pryme Business
johndoe.mypryme.com · Spaces

Spaces Showing 30 days

Spaces is onshoppers near you can see your shop
Spaces brought you · 30 days ₦2,578,550.00 104 sales from 71 shoppers ▼ 4% on the period before
Where the money came from
91% shoppers who had been in before 9% first visit to your shop
21 of 71 came back more than once Average basket ₦24,793.75 Biggest shopper ₦142,300.00
24 Jul returningnew to you 22 Aug
Money on its way to you confirmed at the counter · on its way to your Naira account
Confirmed at the counter ₦47,150.002 sales today · final the moment they paid
Sales of 23 Aug₦90,9503 sales · confirmed
Sales of 24 Aug₦196,2005 sales · confirmed
Sales of 25 Aug₦47,1502 sales · confirmed
nothing for you to do · it arrives on its own
Lands in your NGN account ₦334,300.0010 sales in flight
The shopper · Pryme app
4:34
‹
BorrowLoans
SpacesSalary Advance
Spaces credit₦21,450 available
Repay ₦78,550
₦78,550 in use₦100,000 limit
Hold 25% · repay 2 more early to drop to 20%

₦100,000 from day one · agreement v2.1 · 12 Aug · View

Near youCategories 9Your loans 9
🛒Grocery / Retail4 places
🍽Eateries / Restaurants4 places
💊Pharmacies3 places
🎬Movies & Cinema3 places
🚌Transport3 places
💇Spa’s & Saloons3 places
Say “Hey Pryme”🎤
HomeBoxes CardsYou
Freeto join, nothing monthly. You are in the app the day you switch it on.
You get paidthe sale settles into your Naira account. Nobody to chase.
Zero riskwe carry the credit, whether or not the shopper repays us.
You growfaces that had never been to your shop — and most come back on their own.
The account

One account. Every currency you trade in.

Pryme Business4 currencies · one ledger
Base
₦127,328,879.23NGN · Nigerian Naira
$1,240.00USD · US Dollar
£480.00GBP · Pound Sterling
€310.00EUR · Euro
  • A named Naira account with Solid Allianze MFB — NDIC insured, your business name on it.
  • Real details abroad. A US account number, a UK sort code, an IBAN for the euro area.
  • Every currency has its own statement — regular or certified, with a code anyone can verify.
Swapping · in the app
4:34
‹···
Current account · NGN ₦127,328,879.23
SwapBoth balances move at once, on one ledger
Fill it inAsk Eva
$1 = ₦1,650.00
FromNGN ▾
250,000Available ₦127,328,879.23
ToUSD ▾
151.52after swap $1,391.52
Rate$1 = ₦1,650.00
Fee—
You get$151.52
NowWhen it hits

Eva waits for your rate and asks before she moves anything.

Target rate
$1 =1,585.00₦
Set the watch
Pryme Pay

Take money on your site, or on a checkout of your own.

No card, no OTP, nothing for the buyer to type in. They transfer from the bank app they already use, and the money lands in the same account your agents are running — already matched to the order, already in your books.

Pay from your bank app

We give the buyer a one-time account number. They transfer to it from any bank app or by USSD — no card, no OTP, nothing to type in.

Get the account number
  • Card details are never asked for, so they cannot leak.
  • The account is used once, then it closes.
  • Held with a licensed bank, insured by the NDIC.
Transfer exactly this amount

To this account, from any bank app. We watch it, and the page updates itself.

Send exactly₦26,767.50Copy
BankSolid Allianze MFB
Account number0000 000 000Copy
Account namePRYME / JOHNDOE‑ORD1042
Watching the account — nobody has to confirm anything.
Payment received

₦26,767.50 from GTBank · John D., matched to order ORD‑1042.

OrderORD-1042
Settled intoJohn Doe Trading Ltd · Naira account 0000 000 000
Receiptsent to the buyer
Get your receiptRun it again
Your checkout, your brand.On the site you already have, in your colours, on your own domain — or on a page we host for you.
A link for anything you sell.One price, one buyer, one link — sent on WhatsApp, Instagram or email, and paid the same way.
It lands already reconciled.Matched to the order, receipt issued, and in your books before you have looked at it.
Business Account

A team you did not have to hire.

Five agents come with the account. Each one has a job description, a budget and a ceiling you set. They do the work and bring it to you — nothing leaves the account without your signature.

CS Chief of Staff Runs the week

Knows what is stuck, who is waiting and what you promised — and keeps all three moving.

Booked a meeting with John Doe Foods for Thursday 11:00.
FI Finance Watches the money

Keeps the books as you trade and tells you the moment something does not add up.

Flagged a duplicate — invoice DP‑11908 was already paid in July.
COCompliance Keeps you inside the rules

Holds every filing to its own clock and screens names and payments against your policy — and logs what it refuses.

Screened 412 payments overnight and refused two of them.
SA Sales Chases what is owed

Goes back to the buyers who went quiet, with the receipt already attached.

Recovered ₦410,000 across three overdue invoices.
SU Customer Support Answers your customers

Replies, follows up on what they asked for and hands you only the ones that need you.

Resolved 4 conversations — two deliveries, one refund.
Every agent prepares and proposes. You are the only one who can approve.
Build on Pryme

Our rails, under your product.

Issue a dedicated Naira account number to each of your own customers, collect into it and reconcile against it. The same rails the Business Account runs on, with the licence behind them.

Read the API
Pryme Business

One business account. Every currency you trade in.

Dollars, pounds and euros beside a Naira account, on one ledger and one set of books. Five agents come with it and run the account — nothing leaves without your signature.

The Pryme Business home page: Naira, dollar and pound balances on one account, the money actions, five agents working and a live stream of what they have done
Business · the page your team signs into

A team you did not have to hire

Five agents come with the account. Each has a job description, a budget and a ceiling you set. They do the work and bring it to you — they propose, you approve.

CSChief of Staff Runs the week

Knows what is stuck, who is waiting and what you promised, and keeps all three moving.

Booked the quarterly review with your auditor for Thursday.
FIFinance Watches the money

Keeps the books in every currency you hold and flags the moment something does not add up.

Flagged a duplicate — invoice DP‑11908 was already paid in July.
COCompliance Keeps you inside the rules

Holds every filing to its own clock and screens names and payments against your policy — and logs what it refuses.

Screened 412 payments overnight and refused two of them.
SASales Chases what is owed

Goes back to the buyers who went quiet, with the invoice and the receipt already attached.

Recovered $12,400 across three overdue invoices.
SUCustomer Support Answers your customers

Replies, follows up on what they asked for and hands you only the ones that need you.

Resolved 4 conversations — two deliveries, one refund.
Every agent prepares and proposes. You are the only one who can approve.
Open a business account

Ten years, one trunk

The business has changed shape four times and never changed what it was rooted in. Each version was built out of what the last one could not do.

2016E-commerce

An online grocery store, built out of a faulty tab. Selling the food was the easy part — taking the money for it, and moving it, turned out to be the business.

2018OjirehPrime Card

A prepaid card. The first time the company issued rather than resold, and the first time it carried the obligations that come with holding somebody else’s money.

2020Microfinance bank

PrymeSolid Allianze acquired — an existing bank with an existing licence. The perimeter stopped being someone else’s to draw.

2023Multicurrency

More than one currency on one balance, and the rebrand to Pryme. A Nigerian business could hold dollars without holding a second institution.

2026Agentic operations

Accounts that do the work rather than only hold value. Five agents on the account, inside a policy you write — which is where the new mark starts.

Questions

The things people ask us first.

What is Pryme?

Pryme is a financial technology company. It gives people and businesses in Nigeria one account that holds Naira alongside dollars, pounds and euros, and a set of agents that do the running of it — keeping the books, chasing what is owed, answering customers and paying bills. Nothing leaves an account without the owner’s approval.

Can I hold dollars, pounds and euros in a Pryme account?

Yes. A Pryme account holds Naira, US dollars, pounds sterling and euros side by side on one ledger, each with its own account details — a Nigerian account number, a US account number, a UK sort code and an IBAN for the euro area. You can swap between them at a rate you set, and every currency has its own statement.

What is Spaces?

Spaces is available in Nigeria. It gives a shopper money to spend that can only be spent with a participating business. The business is paid into its Naira account whether or not the shopper repays, because Pryme carries the credit. For the business it is free to join, there is nothing monthly, and the customer’s identity is never shown — only a reference and what it is worth.

What do the agents on a Pryme Business Account do?

Five agents come with the account. The Chief of Staff runs the week and keeps what is stuck moving. Finance watches the money and keeps the books as you trade. Compliance keeps the filings on time and screens what moves. Sales chases what you are owed. Customer Support answers your customers and follows up. Each has a job description, a budget and a ceiling you set, and each one proposes rather than acts — nothing leaves the account without your signature.

How does Pryme Pay work?

Pryme Pay takes payments on your own site or on a checkout page you control. The buyer is given a one-time account number and transfers to it from any bank app or by USSD — no card, no OTP, nothing to type in. The money lands in the same account your agents are running, already matched to the order and already in your books.

What are Savings Boxes?

Savings Boxes are separate pots inside a Pryme account, held in Naira. Flexible Boxes can be withdrawn at any time, Fixed Boxes hold to a date, Investment Boxes hold for longer, and Interest-free Boxes earn nothing by design. A business can use them to ring-fence payroll and the tax it withholds, so that money cannot be spent by accident.

Who holds my money, and is it protected?

Pryme is a financial technology company, not a bank. Accounts and deposits are provided by Solid Allianze Microfinance Bank Limited, which is licensed by the Central Bank of Nigeria and is a member of the Nigeria Deposit Insurance Corporation.

Can I build on Pryme?

Yes. Pryme Rails lets a platform issue a dedicated Naira account number to each of its own customers, collect into it and reconcile against it, over one API — the same rails the Pryme Business Account runs on.

What is Pryme?

Pryme is a financial technology company. It gives you one account that holds US dollars, pounds sterling and euros beside Naira, with an assistant that runs the account for you and asks before anything moves. Accounts are provided in Nigeria today, and further markets open as each licence lands.

Can I open a Pryme account from outside Nigeria?

Accounts are provided in Nigeria today, subject to verification and approval. Foreign-currency balances are held and converted inside that account, so you can hold, receive and swap dollars, pounds and euros wherever you are.

Which currencies can I hold with Pryme?

Naira, US dollars, pounds sterling and euros, side by side on one ledger. Each has its own details — a Nigerian account number, a US account number, a UK sort code and an IBAN for the euro area — and each has its own statement.

How do I send money to Nigeria with Pryme?

Swap at a rate you set rather than the rate of the day, then send to any Pryme username or to a Nigerian bank account. There is no fee to send to another Pryme account.

What does the assistant do?

Eva is the assistant inside the Pryme app. She opens accounts, moves money, saves toward your goals, pays what is due and follows up what is owed to you — and asks you before anything moves.

What is Pryme Rails?

Pryme Rails lets a platform issue a dedicated Naira account number to each of its own customers, collect into it and reconcile against it, over one API — the same rails the Pryme Business Account runs on.

The Ledger

Notes on money that does the work: what we are building, what the regulation actually says, and how we think about letting software act on money. Read the Ledger

Scroll for more
Home · The Ledger · UBA
Banking how-tos

UBA Leo on WhatsApp: what it can and cannot do

What UBA customers can do through Leo, the bank's WhatsApp chat banker, what each action costs on UBA's 2026 tariff, and how to avoid fake Leo accounts.

PE
Pryme editorialBanking desk · 19 Oct 2026 · 5 min read
The short answer

Leo is UBA's chat-banking assistant on WhatsApp. UBA's September 2026 Service Charges and Rates lists Leo Chat for UBA-to-UBA transfers (free), transfers to other banks (₦10, ₦25 or ₦50 plus 7.5% VAT by amount), bill payments (₦100 plus VAT), prepaid card loading, domestic flight payments and embassy statements. UBA publishes no Leo-specific transfer limit, so treat your account tier and card limits as the ceiling and confirm anything unclear with the contact centre.

What Leo is

Leo is United Bank for Africa's virtual banker, a chat assistant you talk to inside WhatsApp instead of opening the UBA app. When UBA moved Leo onto WhatsApp in September 2018, the launch coverage described it as handling "commonly used banking activities" such as checking balances, sending money and buying digital products and services; Leo had earlier run on Facebook Messenger. Today UBA's Nigerian help page lists Leo alongside the mobile app, internet banking, the *919# USSD code and ATMs as its digital channels.

Leo is useful when your data is weak, your app will not log in, or you simply prefer typing a short message. It is not a separate account: everything Leo does draws on the UBA account linked to the phone number you chat from, and it is subject to the same KYC tier and fraud checks as the app.

What Leo can do, and what UBA charges

UBA's tariff document, published in September 2026, has a dedicated "Leo Chat Banking" table and also names Leo in other rows. These are the services it lists, with the charges as printed:

Action on LeoCharge on UBA tariff (Sept 2026)
Send money UBA to UBAFree
Send money to another bank, ₦0 to ₦5,000₦10 + 7.5% VAT
Send money to another bank, ₦5,001 to ₦50,000₦25 + 7.5% VAT
Send money to another bank, above ₦50,000₦50 + 7.5% VAT
Bills payment₦100 + 7.5% VAT
Loading a prepaid card₦100 + 7.5% VAT
Prepaid card transfer to a UBA account₦50 + 7.5% VAT
Domestic flight payment₦600 + 7.5% VAT
Embassy statement (also on the app)₦1,000 + 7.5% VAT, plus ₦50 per page + 7.5% VAT

Balance enquiries were part of Leo from launch. Airtime and data are widely used through Leo, but the 2026 tariff does not give a Leo airtime line, so check the menu Leo shows you. Separately, transfers of ₦10,000 or more attract the ₦50 stamp duty that UBA's tariff lists on outward transfers; our UBA stamp duty explainer covers that.

Worked example (illustrative)

Example: you pay ₦30,000 from your UBA account to a friend at another bank through Leo. The transfer fee is ₦25 plus 7.5% VAT (₦1.875), so ₦26.88 after rounding. Because the amount is ₦10,000 or more, the ₦50 stamp duty also applies. Total deducted: ₦30,000 + ₦26.88 + ₦50 = ₦30,076.88. The same transfer to a UBA account would cost nothing in transfer fees, though stamp duty rules still apply to transfers to other people.

What Leo cannot do

  • Lift a restriction or Post No Debit. That needs the bank's compliance team; see UBA account restricted or PND.
  • Reverse a wrong transfer on the spot. Leo can help you report it, but recovery goes through UBA's Customer Fulfilment Centre and the recipient's bank.
  • Raise your transfer limits beyond your account tier. Limits follow your KYC level, not the channel.
  • Change the phone number linked to your account. A number change is a KYC update handled through the bank, not by chat.
  • Replace the contact centre for disputes. UBA's published routes are the phone lines and cfc@ubagroup.com.

UBA does not publish a separate daily cap for Leo on any page we checked in October 2026. In practice, Leo transfers sit inside the limits on your account; our guide to UBA transfer limits by tier explains those.

Staying safe with Leo

UBA's help page carries a video titled "How to spot the real Leo on WhatsApp", which tells you impersonation is a known risk. Fake "Leo" accounts ask for card numbers, PINs or OTPs and then empty accounts.

  1. Get Leo's number only from UBA's own website, app or verified social accounts, never from a forwarded message or a search advert.
  2. Check that the WhatsApp account shows as a verified business before you chat.
  3. Never type your card PIN, full card number, internet banking password or an OTP someone else asks for. Leo flows that need confirmation will tell you what to enter and where.
  4. If you have shared details with a fake account, call UBA's fraud desk on 02-012808800 or the contact centre on 0700 2255 822 straight away and ask for the account or card to be blocked.

If someone posing as Leo or a UBA agent contacts you first, treat it as a scam until proven otherwise; our guide to fake bank customer care in Nigeria shows the usual scripts.

Leo, the app or *919#: which to use

All three channels reach the same account, so the choice is about convenience and cost. Leo suits quick tasks when you are already on WhatsApp and have some data. The app gives the fullest view of your account history and settings. *919# works on any phone without data, but each session runs on your mobile network and UBA's tariff lists separate USSD charges, such as ₦10 for a balance check and ₦25 for a mini statement. For transfers to other banks the fee bands are the same on the app and Leo, so cost is not a reason to pick one over the other.

Where Pryme fits

Pryme takes a similar idea in a different direction. Every Pryme Personal Account customer can set up a Personal Assistant, named Eva by default, which prepares bills, savings and transfers; nothing moves until you approve it. It sits inside the Pryme app with authenticator-app security rather than SMS codes.

Questions people ask

What is the UBA Leo WhatsApp number?

Get it from UBA's official website, app or verified social media pages and check WhatsApp shows a verified business account. UBA warns about fake Leo accounts, so do not use a number from a forwarded message.

How much does UBA Leo charge for transfers?

On UBA's September 2026 tariff, UBA-to-UBA transfers on Leo are free, and transfers to other banks cost ₦10, ₦25 or ₦50 plus 7.5% VAT depending on the amount. The ₦50 stamp duty applies to transfers of ₦10,000 or more.

Can I get a UBA statement on Leo?

Yes. The tariff lists embassy statements through the app or Leo Chat at ₦1,000 plus VAT, plus ₦50 per page plus VAT.

Can Leo reverse a wrong transfer?

No. You can report it, but recovery is handled by UBA's Customer Fulfilment Centre with the recipient's bank, and depends on the recipient's funds and cooperation.

Sources

  1. UBA: Service Charges and Rates (PDF, September 2026) · accessed Oct 2026
  2. UBA Nigeria: Frequently asked questions · accessed Oct 2026
  3. UBA Nigeria: Contact us · accessed Oct 2026
  4. Financial Nigeria: UBA launches chat banking on WhatsApp (6 September 2018) · accessed Oct 2026

This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.

More on UBA

Banking how-tos

How to link BVN and NIN to your UBA account

Why UBA accounts need both BVN and NIN under the CBN's KYC rules, the channels to update your details, and what happens to accounts left unlinked.

PEPryme editorial · Banking desk19 Oct 2026 · 5 min
Banking how-tos

UBA mobile app not working: fixes

Step-by-step fixes when the UBA app will not log in, shows a device error, misses the OTP or needs an update, plus backup channels to use.

PEPryme editorial · Banking desk19 Oct 2026 · 5 min
Banking how-tos

UBA naira card international spending limit

Which UBA naira cards work abroad, what UBA charges per foreign transaction, and why no monthly cap is published. Check before you travel or pay online.

PEPryme editorial · Banking desk19 Oct 2026 · 5 min