UltraPay Microfinance Bank
Bank like the counter never closes
UltraPay is the internet banking service of UltraPay Microfinance Bank — a microfinance bank licensed by the Central Bank of Nigeria, with deposits insured by the NDIC. Open an account with your BVN or NIN, move money to any Nigerian bank over NIP, and see your real balance the moment it changes.
You will need your BVN or NIN to complete account opening. We never show it back to you in full, and we never ask for it by phone or email.
Licensed by the CBN
UltraPay Microfinance Bank operates under a Central Bank of Nigeria microfinance banking licence.
NDIC-insured deposits
Deposits are insured by the Nigeria Deposit Insurance Corporation, subject to NDIC coverage limits.
Bank-grade security
Encrypted connections, a separate transaction PIN for every debit, and a full audit trail on your profile.
Everyday banking
Everything you need from a current account
The things you actually do with a bank account — moving money, topping up a line, checking what came in — are one screen away in UltraPay, not buried three menus deep.
Instant transfers to any Nigerian bank
Send money to UPMFB accounts or across NIP to any other Nigerian bank. Names are confirmed before you send, so you always know who is being paid.
Airtime & data in a few taps
Top up MTN, Glo, Airtel and 9mobile lines for yourself or anyone else, and buy data bundles straight from your account.
Real-time balance & statements
See your available balance the moment it changes, filter your history, and download a statement whenever you need one.
Individual and business accounts
Open a personal account with your BVN or NIN, or a registered business account with your CAC documents and TIN.
For business
A business account that keeps up with your trade
Whether you run a shop, a cooperative or a growing company, a registered business account gives you a clean separation between your trading money and your personal money — with higher transaction limits and statements you can hand to your accountant.
Higher daily and single-transaction limits
Bulk airtime and bill payments for staff
Statements you can download any time
PIN-authorised approvals on every debit
Getting started
Open an account in minutes
Four steps, all online. Have your BVN or NIN and a phone number you can receive an SMS on to hand.
- 1
Create your login
Enter your email address and choose a password. That is all it takes to start.
- 2
Verify your identity
Provide your BVN or NIN so we can confirm who you are, as required by CBN KYC rules.
- 3
Confirm your contact details
We send a one-time password to your email and phone number to make sure we can always reach you.
- 4
Start banking
Your account number is issued and linked to your profile. Set your transaction PIN and send your first transfer.
Ready when you are
Opening a UPMFB account takes a few minutes. Looking around first costs nothing at all — and if you already bank with us, UltraPay links the account you already hold.