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The short answer
On *919#, UBA's own USSD page (April 2026) caps PIN-authorised transfers at ₦20,000 per transaction and ₦100,000 a day, rising to ₦500,000 per transaction and ₦1,000,000 a day only with a Secure Pass token plus a signed indemnity. A Tier 1 Savings Lite account is also capped at ₦50,000 per deposit and ₦300,000 total balance. UBA does not publish app or Leo limits on the pages we checked, so confirm yours in the app or with the Customer Fulfilment Centre.
A failed UBA transfer that mentions a limit can be caused by three different ceilings: the cap on the channel you used, the cap that comes with your account tier, or a temporary security hold. Each has its own fix. This guide sets out the figures UBA publishes, flags where its own pages disagree, and explains what you can and cannot change.
The *919# limits UBA publishes
UBA's *919# USSD banking page, last modified on 14 April 2026, carries a funds transfer table. It ties the limit to how you authorise the transfer:
| Authorisation | Per transaction | Per day |
|---|---|---|
| USSD PIN only | ₦20,000 | ₦100,000 |
| Secure Pass (token) | ₦20,000 | ₦100,000 |
| Secure Pass plus signed indemnity | ₦500,000 | ₦1,000,000 |
The same page has an FAQ that gives different numbers: it says PIN transfers are limited to ₦20,000 per transaction and per day, and that token holders without an indemnity can send ₦1 million per transaction and per day. It also gives an airtime limit of ₦5,000 a day in the FAQ but ₦20,000 a day elsewhere. UBA does not say which version is current. If you plan to send close to these figures, dial *919# and try a small amount first, or ask the bank which applies to your profile.
Limits that come with your account tier
Separately from the channel, the CBN's three-tiered KYC framework (circular of January 2013) lets banks open low-documentation accounts with caps on deposits and balances. UBA's savings page labels Savings Lite as Tier 1: it opens with a passport photo, biodata and BVN, and is limited to a maximum single deposit of ₦50,000 and a maximum cumulative balance of ₦300,000. The standard UBA Savings Account is labelled Tier 3 and lists no balance cap.
A Tier 1 cap mostly bites on money coming in. If someone sends you ₦80,000 and your account is Savings Lite, the credit can fail even though your own transfer limits look fine. Our explainer on KYC tier limits in Nigeria covers how the tiers work across banks.
The UBA Mobile app and Leo
UBA's FAQ page (modified September 2026) lists Leo, the Mobile app, Internet Banking, *919# and ATMs as its digital channels, but neither it nor the USSD page states a daily transfer limit for the app or for Leo, the bank's chat banking assistant. We have not found an official figure, so we do not give one. To see yours:
- Open the UBA Mobile app, go to settings or profile, and look for a transaction or transfer limit option.
- In Leo, ask what your transfer limit is; it will show what your profile allows or point you to the app.
- Call the Customer Fulfilment Centre on 02-012808822 or email cfc@ubagroup.com and ask for the limit on each channel.
- Ask which tier your account is on and whether your BVN and NIN are both linked.
How to raise your limit
If the tier is the problem
Move off Tier 1. UBA's Tier 3 savings account lists a completed account opening form, a valid ID (international passport, driver's licence, NIN or voter's card), a recent passport photo and a utility bill from the last three months. Our guide to upgrading your UBA account tier walks through the steps.
If the USSD cap is the problem
- Per UBA's table, the higher USSD band needs a Secure Pass token and a signed indemnity; ask a branch or the Customer Fulfilment Centre how to obtain both.
- For one-off large payments, the app or internet banking is usually the better route than USSD.
- Keep the cap as low as your needs allow. A low USSD limit reduces what a thief could move with a stolen SIM and PIN; see USSD banking fraud.
Worked example: paying ₦250,000 on *919#
Example only, using the PIN band in UBA's April 2026 table. You need to send ₦250,000 to another bank and only have *919# with your PIN. At ₦20,000 per transaction and ₦100,000 a day, that is 13 transfers (12 of ₦20,000 plus one of ₦10,000) spread over three days. UBA lists ₦20 + VAT for each transfer of ₦5,001 to ₦50,000 to another bank; at 7.5% VAT that is ₦21.50 each, so 13 × ₦21.50 = ₦279.50. Each transfer is also ₦10,000 or more, so the ₦50 stamp duty that applies from January 2026 is charged 13 times: ₦650. Total charges about ₦929.50, before the ₦6.98 per USSD session UBA lists for existing users (13 × ₦6.98 = ₦90.74). One app transfer of ₦250,000 would attract one transfer fee and one stamp duty instead.
Check the current fees in the app before you send. For how the ₦50 duty works, see the ₦50 transfer charge explained.
What to check first
- Is the error about your limit or the recipient's? A Tier 1 recipient cannot receive above their cap.
- Did you recently change phone or SIM? Banks often restrict new devices for a period.
- Is the account restricted? See UBA account restricted or PND.
- Have you hit the daily total from earlier transfers? Daily caps reset, but the time can differ by channel.
Where Pryme fits
If you need to move larger sums from your phone without splitting them, a Pryme account shows your limit in the app before you send, and transfers are protected by an authenticator app and transaction PIN rather than SMS codes. Naira deposits are held by Solid Allianze Microfinance Bank, licensed by the CBN.
Questions people ask
What is the UBA USSD transfer limit per day?
UBA's *919# page (April 2026) lists ₦100,000 a day with a PIN, at ₦20,000 per transaction, and ₦1,000,000 a day with a token plus indemnity. Its FAQ gives a lower PIN figure, so confirm on the menu.
How do I increase my UBA transfer limit on *919#?
UBA's table shows the higher band needs a Secure Pass token and a signed indemnity. Ask the Customer Fulfilment Centre or a branch to set these up.
What is the maximum balance on UBA Savings Lite?
UBA's savings page lists a ₦300,000 maximum cumulative balance and a ₦50,000 maximum single deposit for Savings Lite, which it labels Tier 1.
What is the UBA app or Leo transfer limit?
UBA does not publish one on the pages we checked in October 2026. Look in the app's limit settings, ask Leo, or call 02-012808822.
Sources
- UBA Nigeria: *919# USSD Banking (modified 14 Apr 2026) · accessed Oct 2026
- UBA Nigeria: Savings Account (Savings Lite and Tier 3 requirements) · accessed Oct 2026
- UBA Nigeria: Frequently Asked Questions (modified 15 Sep 2026) · accessed Oct 2026
- CBN circular FPR/DIR/CIR/GEN/02/001: Three-Tiered KYC Requirements (18 Jan 2013), regalert copy · accessed Oct 2026
- Techeconomy: Stamp duty replaces EMTL, sender to bear ₦50 charge on bank transfers (1 Jan 2026) · 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.