Pay-Day just moved closer


Pay-Day is no longer end of the month. It is any day you choose. United Bank for Africa (UBA) Plc has just delivered to workers the power to determine what day is Pay-Day.


No longer do monthly paid workers have to wait till that time between 24th and 30 th or 31 st day of the month to be paid.  With UBA’s new U-Advance card, the pressure of waiting to be paid so that emergency expenses can be taken care of has been removed.

The “U-Advance Card,” is a payment card that allows workers who operate a salary account with UBA to get a credit advance ahead of pay-day.

John, a staff of a consulting firm based in Lagos admits that U-Advance Card is one of the best products to have come out of any financial institution.


 “I ran into a recent difficult but temporary financial situation recently. I needed to register my child in school and I had the opportunity to get a 50% discount if I registered him before 15 th of the month. I was cash strapped and could not get anyone who was not cash strapped enough to lend me some money. If I had a U-Advance Card, I am sure I could have easily paid and taken the discount. Sadly, I eventually paid the full amount without the discount when I was paid at the end of the month”


Temporary financially difficult situations as described by John above is what U-Advance card is set to resolve, explains Dr. Adeyinka Adedeji, Divisional Head, e-Banking, UBA Plc.

“The U-Advance Card is an internationally accepted card payment solution designed to address the salary account holders’ need for easy and quick access to extra funds before pay-day.  It is a form of a revolving, secured credit facility” explains Dr Adedeji,

“The advantage of the U-Advance credit card is that it simplifies the credit process. So, it is not every time you have a temporary liquidity challenge that you fill out a form and go through the strenuous process of applying for a loan. Once you have a U-Advance Card, you can always meet any temporary cash crunch by just approaching the ATM. The card becomes your permanent access to credit anytime you need it.” He explained.


UBA explains that  the U-Advance Card  complements UBA’s existing suite of retail credit products in the form of a Naira based, short term, secured financing targeted at salary account holders and will provide frictionless access to much needed credit with the cardholder’s monthly salary as security.

It is however available only to salary account holders with UBA Plc, but non-UBA customers can pre-qualify by opening a salary account with UBA. It is Ideal for staff of reputable organizations, affluent and high networth individuals (HNIs) who receive regular monthly salary; individuals wishing to obtain the U-Advance credit card can approach the nearest UBA business office for details on eligibility and how to apply.

 It is also interesting to know that the U-Advance card is accepted locally and internationally.  U-advance cardholders can make cash withdrawals at over 1.9 million ATMs worldwide and POS or web purchases at more than 30 million retail outlets around the world.

For safety, the U-advance card comes with the EMV certified chip and PIN technology plus the 3D Secure feature for enhanced protection during web transactions.


“The U-Advance Credit card has been introduced in line with UBA’s strategy of growing its retail business across Africa and strengthens its position as Africa’s financial solution power house. Access to this credit card is relatively easy as the main requirement is a valid salary account which has been operated for a period of no less than three months for existing customers and six months for new customers.” Dr Adedeji explained.

UBA, with more than seven million retail customers, is a major issuer of payment cards in the country. The bank issues MasterCard, Visa and Verve cards. UBA also pioneered the issue of Prepaid Cards in the country, which can be used without a bank account.

Cards are a key part of the UBA e-banking strategy hence the bank’s strategic partnerships with credible local and international retailers to ensure that all customers enjoy the advantages and convenience which come with the use of its payment cards. 

UBA Debit and Prepaid Cards as well as the newly introduced U-Advance Credit Card are accepted across the 18 African countries the Bank operates in addition to over 30 million merchants locations around the world. An ideal travel companion during the holidays, UBA cards offer convenience and a safer alternative to cash.


The UBA Group is a highly diversified financial services provider, with business offices in New York, Paris and a subsidiary in London. A leading player on the African continent, UBA has significant market share and operations in 19 different African countries. The Group has a strong retail franchise across the continent offering its more than seven million customers a bouquet of products and services tailored to meet their different financial needs
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  25. VICTIM OF SCAMS BUT NOW A VICTOR THROUGH JOSH LOANS FINANCIAL SERVICE joshloancompany@gmail.com OR +1(215)-874-8060

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  27. I got my programmed and blanked ATM card to
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  28. EDWARD JONES FINANCE IS THE BEST PLACE TO GET A LOAN {Jonesloanfinance@yahoo.com},
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  29. My name is Leah Brown, I'm a happy woman today? I told myself that any loan lender that could change my life and that of my family after having been scammed separately by these online loan lenders, I will refer to anyone who is looking for loan for them. It gave me and my family happiness, although at first I had a hard time trusting him because of my experiences with past loan lenders, I needed a loan of $300,000.00 to start my life everywhere as single mother with 2 children, I met this honest and God fearing online loan lender Gain Credit Loan who helped me with a $300,000.00 loan, working with a loan company Good reputation. If you are in need of a loan and you are 100% sure of paying the loan please contact (loangaincredit@gmail.com)
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  30. I got my programmed and blanked ATM card to
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  31. Have you been wanting to spend daddy's or mommy's money or your sposes money or probably your boss money but Dont have access to their credits card. Well all your worry's can be brought to an end. Soft tech geeks can help you clone a credit card to daddy's or mommy's or spouse or boss's account that will help you spend their money without touching their credit card anywhere you are. Contact soft tech geeks softtechgeeks@gmail.com for more info

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  32. ATTENTION TO EVERYONE:

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  34. Am here to appreciate Dr.Zack Balo for using his herbal medicine to cure my Herpes virus. since 2016 now I have been living with this virus and it has been giving me challenges, I was so perplexed cause i have been taking several drugs to be cured but all of my effort was in vain,one evening i was browsing through the internet then i saw several testimonies about Dr.Zack Balo curing people from Herpes virus and immediately i contacted Dr.Zack Balo on his website: wiseindividualspell.webnode.com/, i told him about my sickness and he told me that i will be cured within 14 days, gave me some instructions and which i rightly followed. so he prepared a herbal medicine for me and sent it to me which i used for 2 weeks and everything was like a dream to me and my Herpes virus was totally gone, why don't you contact him today and be free from your diseases because he is very good and honest Doctor. contact him via email address; wiseindividualspell@gmail.com or call or text him on his phone number +13203967742.

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  35. PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!! PLEASE READ!!!!Hey Guys!!!Am so happy I got mine from Mike Fisher. My blank ATM card can withdraw $2,000 daily. I got it from Her last week and now I have $14,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on .I am really happy i met Mike Fisher because i met two people before her and they took my money not knowing that they were scams. But am happy now. Mike Fisher sent the card through DHL and i got it in two days. Get your own card from her now she is not like other scammer pretending to have the ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught. i'm grateful to Mike Fisher because she changed my story all of a sudden . The card works in all countries except, Mali and Nigeria. Mike Fisher email address is blankatm001@aol.com WhatsApp +1 (712) 600 2838 )

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