United Bank for Africa Zambia Ltd (UBA)

UBA Zambia's business banking services provide businesses with a comprehensive suite of financial solutions to meet the financial needs of businesses in Zambia. Some of the key services offered by UBA Zambia's business banking unit include:

Current Accounts

UBA Zambia offers current accounts to businesses, allowing them to manage their day-to-day transactions, receive payments, and make payments to suppliers and other vendors.

Digital Banking

UBA Zambia provides businesses with access to a range of digital banking solutions, including internet banking, mobile banking, and UBA Chat banking, to help them manage their finances more efficiently.

Corporate Loans

UBA Zambia provides corporate loans to eligible businesses to support their growth and expansion. These loans come with competitive interest rates and flexible repayment terms.

Trade Finance

UBA Zambia provides a range of trade finance services, including letters of credit, guarantees, and export finance, to facilitate international trade transactions.

Cash Management Services

UBA Zambia provides cash management solutions to help businesses manage their cash flows, including collections, payments, and liquidity management.

Treasury Services

UBA Zambia's treasury services provide businesses with access to a range of financial instruments, including foreign exchange, interest rate swaps, and commodity hedging.

UBA Zambia's Corporate finance options

ZMW Corporate Current Account

UBA Zambia gives you an array of banking options that suit the particular profile of your organisation. Features include:

• Opening balance of ZMW 500.00
• Minimum operating balance of ZMW 0
• Unlimited withdrawals per month
• Maintenance fee of ZMW 200.00/month
• Free inter-country deposits
• Access to credit facilities - subject to an internal credit appraisal

Domiciliary Corporate Account

UbA creates accounts tailored to your individual needs as a valued customer. The bank is constantly developing new products and services to help make banking and life easier for you.

Lending / Borrowing

UBA's loans and payment platform offers constant cash support month in, month out, with longer-tenure credit, flexible payment plans and lower equity.

Through its digital banking options, UBA Zambia provides customers with convenient and secure access to their accounts, allowing them to perform banking transactions on their mobile devices or computers. Some of the key digital banking solutions offered by UBA Zambia are:

Mobile Banking

UBA Zambia's mobile banking app allows customers to check their account balances, transfer funds, pay bills, and buy airtime and data bundles from their mobile devices.

Internet Banking

UBA Zambia's internet banking platform provides customers with 24/7 access to their accounts, allowing them to check their account balances, transfer funds, pay bills, and perform other banking transactions from their computers or mobile devices.

UBA Chat Banking

UBA Zambia's UBA Chat banking allows customers to perform banking transactions using popular messaging apps like WhatsApp and Facebook Messenger. Customers can check their account balances, transfer funds, and pay bills by sending a message to UBA's chat banking bot.

UBA Prepaid Cards

UBA Zambia's prepaid cards allow customers to make online purchases and pay bills without the need for a bank account.

Electronic human resource/payroll system

UBA's HRIS system automates many HR tasks, such as employee data management, recruitment, performance management, and payroll processing. This increases efficiency and improve employee satisfaction.

Alerts

Receive notice of transactions in your account via email and SMS notifications - deposit / credit transaction alerts, withdrawal / debit transaction alerts, account balance alerts, due credit payments, credit card transaction and payment due date etc.

POS service

This is a reliable and efficient payment solution that can help businesses to improve their customer experience, increase sales, and streamline their payment processing. Some of the features of UBA's POS service include card acceptance (Visa, Mastercard, Verve etc.), quick payment processing, a mobile POS solution (enables businesses to accept payments on the go using a smartphone or tablet), real-time reporting, and security features such as encryption, tokenization and fraud detection.

UBA's investment services are designed to help clients achieve their financial goals, whether they are looking to save for retirement, build their wealth, or manage their assets. Some of the investment services offered by UBA Zambia include:

Investment Advisory Services

UBA Zambia provides investment advisory services to help clients make informed investment decisions. These services include market research, analysis, and advice on investment strategies.

Mutual Funds

UBA Zambia offers a range of mutual funds that clients can invest in to gain exposure to a diverse range of asset classes, including equities, fixed income, and real estate.

Bonds and Fixed Income Securities

UBA Zambia offers a range of bonds and fixed income securities that clients can invest in to earn regular income.

Equities and Stock Market Investments

UBA Zambia offers equities and stock market investments that clients can invest in to gain exposure to the stock market and potentially earn capital gains.

Treasury Bills and Bonds

UBA Zambia provides access to government treasury bills and bonds that clients can invest in to earn fixed returns.

Alternative Investments

UBA Zambia offers alternative investments, such as real estate investments, private equity, and venture capital, for clients looking to diversify their investment portfolios.

UBA Zambia's personal banking services provide customers with a range of options to meet their financial needs, backed by innovative technology and a commitment to excellent customer service. These services include:

Savings Accounts

UBA Zambia offers a range of savings account options, including regular savings accounts, UBA Kiddies accounts for children, and UBA Teens accounts for teenagers. These accounts come with competitive interest rates, and customers can access their funds at any time.

Current Accounts

UBA Zambia also provides current accounts to its customers, which can be used for day-to-day transactions. These accounts come with features such as cheque books, debit cards, and internet banking access.

Loans and Overdrafts

UBA Zambia provides personal loans and overdrafts to eligible customers to meet their financial needs. These loans come with flexible repayment terms and competitive interest rates.

Debit Cards

UBA Zambia offers debit cards to its customers, which can be used for ATM withdrawals and point-of-sale transactions. The bank also provides a UBA Prepaid card that allows customers to make online purchases and pay bills conveniently.

Mobile Banking

UBA Zambia offers a mobile banking app that allows customers to perform banking transactions on their mobile devices. Customers can check their account balances, transfer funds, pay bills, and buy airtime and data bundles using the mobile app.

Internet Banking

UBA Zambia's internet banking platform provides customers with convenient access to their accounts, allowing them to perform banking transactions from their computers or mobile devices.