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UBA Vs Access Bank Which Other A Better Banking Experience

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UBA and Access Bank

UBA and Access Bank are among the best banks in Nigeria. But when it comes to choosing which to bank with, what will be your choice. Aside from been socially active, both banks are among the technologically advance banks in Nigeria.

Please note that this comparison is not meant to make any of Bank look bad. UBA and Access Bank are very good Nigeria Banks that provide wonderful services. This comparison is only meant to help you understand the features of these banks.

The comparisons will be from how easy it is to open a Bank Account in these banks. Their customer service and response rate. The mobile banking and internet banking among others.

Comparison Between UBA And Access Bank Bank of Nigeria

To begin lets start with the different means of opening a Bank Account in both of these banks

Ways To Open Bank Account
UBA Nigeria(United Bank for Africa)

There are about 4 ways to open Bank Account with UBA of Nigeria. These ways are as listed below

  • UBA Mobile App.
  • Through the internet using the UBA website. You can read this Step by Step Guide on how to open the UBA account using their website.
  • Using the UBA short code.
  • Visit any UBA branch in Nigeria
Access Bank Bank of Nigeria

There are about 4 ways to open Bank Account with Access Bank of Nigeria. These ways are as listed below

  • Access Bank Mobile App.
  • Through the internet using the Access Bank website. You can read this Step by Step Guide on how to open the Access Bank account using their website.
  • Using the Access Bank short code.
  • Visit any Access Bank branch in Nigeria

Both Banks have same ways of opening bank account. They also offer instant savings account that allows you to get a savings account with only your passport. See complete list of all Nigeria Banks USSD Code for banking in This Article.

Available Debit Cards For Customer

Both banks are very swift when it comes to issuing Debit cards to its customers. These banks can issue your Debit Cards within the hour (that is if the debit card is available which is usually available). They also have variety of debit cards, Velve, visa and MasterCard.

Internet And Transaction Process

Access Bank holds the record of fast internet processing and transaction processing in Nigeria. They have good internet and online presence. Almost all processes and even loan application are fully automated.

UBA on the other hand have good transaction processing but have network related issues especially on weekends. This makes withdrawals frustrating as you can’t use any UBA debit card at any ATM’s, POS center and online payment.

Although UBA is a good option when it comes to Internet and transaction processing. But Access Bank is a better option when it comes to Internet and transaction processing.

Making Cashless Withdrawals In Designated ATM’s In Nigeria

UBA is among the very first banks in Nigeria to have this feature. In fact it came with their U-Mobile Banking feature(U-Mobile is what the UBA mobile banking App is called). And this work very smoothly for all UBA customers who wish to use this feature.

Access Bank also have this feature which makes it possible for customers to withdraw money without the use of debit cards. We already have a step by step guide on how to set up your Cardless Banking in your Mobile Banking App.

Customer Care And Support System

Currently it seems that UBA have the most responsive customer care and support system. UBA are among the most socially active banks in Nigeria. They also have a call me back feature in their Website.

Now when you lay a complaint on any UBA social media Page like Facebook, Twitter or Instagram, a customer agent will call you before the day runs out.

Access Bank also have good customer support but not on the level of UBA. This means that when it comes to customer care and support system, UBA is ahead of Access Bank.

Cost Of Maintaining A Bank Account

Well UBA can be very annoying when it comes to cost of maintenance. They can debit you without telling you the reason for the debit. Most times they’ll debit you without sending you a debit alert.

UBA have debited me for SMS charges without sending me an SMS alert. I had to chat up a customer care agent who explain to me when i notice the difference in my account balance.

Aside from the above all other maintenance fee are standard. N52 card maintenance fee. Access bank also operate on a standard charge rate like UBA. But they don’t usually make those occasional charges made by UBA and that is a plus for them.

So when it comes to cost of maintaining account, both banks are on same level. They offer easy ways to maintain the bank account.

Number Of Savings And Current Account

Both Banks have numbers of Savings and Current Accounts that you can select from. Below are list of account from both Banks that meets the needs of every one

  • Evergreen Savings Account for the elderly.
  • Kid Savings Account for children below 16 years(and even unborn children)
  • Premium Savings Account.
  • Instant Savings Account.
  • Teen Savings Account(targeted at customers between the ages of 18 and 29).
  • Student Savings Account.
  • Target Savings Account.
  • Premiere Current Account.
  • Business Current Account.
  • Personal Current Account
Conclusion

While UBA might have a very good customer care and support system, they still need to work on network and other related technical issues. Access bank is currently the best choice when it comes to internet and transaction processing. This might change and this post will be updated with time as changes occur.

UBA and Access Bank are both good banks. But you can decide which you prefer to bank with. UBA provides an incredible customer care and support system. Access bank provide quick banking and fast transaction processing that is network problem free.

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