Frequently Asked Questions
(FAQs)

UCEE Microfinance Bank is a digital bank built to support your lifestyle and provide seamless banking services. We are a licensed Microfinance Bank and a subsidiary of United Capital Plc.

To open an account on UCEE, simply:

1. Go to your Appstore and download the ‘’UCEE” App
2. Launch the app and click on ‘’Sign up’’.
3. Provide your BVN.
4. Complete the onboarding process and a new UCEE Account will be generated for you.

To upgrade your account using the UCEE app:

1. log into your UCEE app.
2. Click on the ‘’More’’ icon at the bottom of the app.
3. Click on the “User profile” menu.
4. Click on upgrade account.
5. Provide your NIN and update your address details for verification.
6. Your account will automatically be upgraded upon successful verification of your NIN and address.

Your account may have been restricted because you have exceeded or breached your account transaction limit. To remove the restriction from your account, please, link your NIN and provide your address in the app.

Both your NIN and address will be verified. Once verification is successful, your account will be upgraded, your transaction limit increased, and the restriction on your account will also be lifted.

1. Log into your UCEE app.
2. Click on the ‘’More’’ icon at the bottom of the app.
3. Click on ‘’Privacy & Security”
4. Click on “Security question”
5. Click on “Reset security question’’.
6. Input your transaction PIN.
7. Input OTP sent to your registered email.
8. 8. Set up your new security question.

To reset your password:

1. Launch your Ucee app.
2. Click on ‘’Forgot Password” on the Login page.
3. Input your registered email (An OTP will be sent to your email)
4. Input OTP.
5. Input a new password and confirm the password.
6. Login with the new password created.

1. Log into your Ucee app.

2. Click on the ‘’More’’ icon at the bottom of the app.

3. Click on ‘’Privacy & Security”

4. Click on “Transaction PIN”

5. Input your current PIN

6. Input a New PIN and Confirm the New PIN

7. Click on Update Transaction Pin

1. Log into your Ucee app.
2. Click on the ‘’More’’ icon at the bottom of the app.
3. Click on ‘’Privacy & Security”
4. Click on Transaction Pin
5. Click on “Reset PIN’’
6. Input your security answer and Click Continue
7. Input OTP sent to your registered phone number and email and click on Continue
8. Input a New PIN and confirm the New PIN.
9. Click on Proceed.

1. Log into your Ucee app.

2. Click on the ‘’More’’ icon at the bottom of the app.

3. Click on ‘’Privacy & Security”

4. Click on “Password”

5. Input your current Password.

6. Input New password and Confirm password.

1. Log into your Ucee app.

2. Click on the ‘’More’’ icon at the bottom of the app.

3. Click on ‘’Privacy & Security”

4. Enable the biometric toggle.

5. Input your transaction PIN to activate biometric.

You can increase your transaction limit up to ₦5 million provided your account has been upgraded to level 3. To increase your limit:

1. Log into your Ucee app.
2. Click on the “More” icon at the bottom of the app.
3. Click on ‘Account limit’
4. Click on Edit at the top right corner
5. Input your desired Single Transaction Limit & Daily Transaction Limits
6. Click on the box to tick and agree to the terms & conditions
7. Click on Set & input your 4-digit PIN to increase your transaction limit.

1. Log into your Ucee app.
2. Click on the ‘’More’’ icon at the bottom of the app.
3. Click on the User profile menu.
4. Click on upgrade account.
5. Click on NIN
6. Input your NIN for verification.

You can reach out to us either via our e-mail uceecare@uceemfb.com or call us on 0700-00-UC-UC-UC (0700-00-82-82-82).

We are located at 49B Martins Street, Marina.

UCEE Marcus is our flexible savings plan designed to help you build healthy financial habits. You can save at your own pace, set savings targets and earn 15% interest per annum on every naira you save. Whether you’re saving towards rent, school fees, a goal or just your future, Marcus makes it simple and rewarding.

UCEE Galaxy is our premium savings plan built for customers who want their money to work harder. With up to 20% interest per annum, Galaxy gives you higher returns on your savings. You also have the option to lock your Galaxy balance for a fixed period, keeping your savings untouched and earning even more.

To Turn on Location on your Android Device:

• Go to Setting
• Tap Location
• Toggle the button

Alternatively

If the App says location is OFF

1. Go to Settings > Location > App location permissions
2. Select the App > Ucee APP
3. Choose Allow only while using the app or allow all the time, depending on what you need.

To Turn on Location on your IOS:

1. Open Settings.
2. Tap Privacy & Security.
3. Tap Location Services.
4. Turn Location Services ON.

Verification typically completes within 24 hours if you are actively present at the provided address. The system will continue attempting validation for up to 7 days; if you are not present at the location within that window, the verification request will expire and be rejected.

Yes, you can re-initiate the process on the app. Make sure your phone’s location services are turned on, ensure you drop the pin accurately at your home address, and ensure you are physically at that location during the verification period.

address to upgrade your account and increase your account limit.

No, our current integration is scoped strictly for local (domestic) physical address verification. It does not support or validate international addresses.

Kindly ensure you are signing up with the phone number tied to your BVN, as OTPs are strictly sent to your registered BVN mobile line for security verification.

If the phone number is correct, check that your device has active network coverage and DND settings are turned off. If you are still experiencing delays after trying the Resend OTP option, please reach out to our support team to assist you!

Getting your account statement is quick and easy!

Simply log into the app, go to More, and tap Account Statement. Select your preferred account and date range, then tap Generate. Your statement will be delivered straight to your email inbox!