UBA Leo Chat Banking: How to send money, buy airtime, complaint and many more

Last Updated on July 1, 2024 by admin

Do you want to learn what you can do with UBA Chat Banking which known as Chat With Leo your Virtual Banker which is an Artificial Intelligence (AI) chatbot for banking services.

The Leo banking service  is available to users on social media (FaceBook Messenger and WhatsApp). A character called LEO is your digital agent on UBA ChatBanking.The platform is available to everyone – UBA and non-UBA customers.

You can open a UBA account on UBA ChatBanking. It is easy and instant and the account can receive funds. You can also buy airtime, send money, pay bills, make complaints, withdraw without card, block card, pay tax and so much more via chat with Leo.


How to get start with UBA Leo

UBA Leo is UBA’s artificial intelligence-powered virtual banker available on several messaging platforms. To get started with UBA Leo,  Simply go to your Facebook Messenger, Apple Messages, WhatsApp and Google Business Chat. Search for ‘UBA Chat Banking’ Leo

For Nigeria, LEO’s WhatsApp Number is 234 903 001 0007. Add the mobile number on your WhatsApp mobile contact Or clicking here and send Hi to chat with LEO on WhatsApp.

What are the services available on UBA  Leo?

UBA Leo offers a wide range of banking services that you can access conveniently through your preferred messaging platform:

Account Management:

  • Open an account
  • Check account balance
  • View mini and full account statements
  • Request/Stop/Confirm cheque
  • Block card
  • Freeze account


  • Send money to UBA and other bank accounts
  • Link and fund a Prepaid card


  • Pay bills (utilities, cable TV, etc.)
  • Buy airtime and data
  • Pay taxes

Other Services:

  • Budgeting (savings plan/spend limit)
  • Link new accounts
  • Log and track complaints
  • ATM/Branch locator
  • Live chat with a customer care agent


How to open UBA account with Leo

To open account with Leo,just Send ‘Hi’ to Leo
– Select ‘Account Opening’
– Enter BVN and Activation Code
– Select ‘Segment’ and ‘Sub-segment’
– Enter location and choose the nearest branch
– Accept Terms and Conditions
– Account Number will be displayed and sent via SMS

How to Send Money with Leo

UBA Leo makes sending money a breeze, whether it’s to other UBA accounts, different banks, or UBA prepaid cards. Here’s how you can send money using Leo:

1. Start a Conversation with Leo:

  • Open your preferred messaging app (WhatsApp, Facebook Messenger, Apple Messages).
  • Locate Leo in your contacts or search for “UBA Chat Banking”.
  • Initiate a chat by sending a simple greeting like “Hi” or “Hello.”

2. Initiate a Transfer:

  • Once you’re connected, tell Leo that you want to send money. You can use phrases like:
    • “Send money”
    • “Transfer funds”
    • “I want to make a payment”

3. Follow the Prompts:

  • Leo will guide you through the process. You’ll be asked to provide the following information:
    • Recipient’s account number (for UBA and other bank accounts)
    • Recipient’s phone number (for UBA prepaid cards)
    • Amount you want to send
    • Your UBA account details (if not already provided)
    • Your transaction PIN (for authentication)

4. Confirm the Transfer:

  • Leo will display a summary of the transaction details.
  • Verify the information and confirm to proceed.

5. Transaction Complete:

  • Leo will notify you when the transfer is successful.
  • You’ll also receive an SMS confirmation.


How to complaint via UBA Leo

UBA Leo provides a convenient way to lodge complaints directly within the chat interface. Here’s how you can do it:

  1. Access UBA Leo: Start a conversation with Leo on your preferred platform (WhatsApp, Facebook Messenger, etc.).For Nigeria, LEO’s WhatsApp Number is 234 903 001 0007.
  2. Add the mobile number on your WhatsApp mobile contact Or clicking here and send Hi to chat with LEO on WhatsApp.
  3. Initiate Complaint: Type “Log complaint” or a similar phrase to indicate that you want to file a complaint.
  4. Select Complaint Category: Leo will present you with a list of complaint categories (e.g., account issues, card issues, service issues). Choose the category that best describes your complaint.
  5. Provide Details: Follow Leo’s prompts to provide the necessary details about your complaint, such as the account number, date of transaction, and a clear description of the issue.
  6. Confirmation: Leo will confirm that your complaint has been logged and provide you with a reference number for future reference.

How to Withdraw Money from UBA without ATM card using Leo

The UBA cardless withdrawal allow you to withdraw cash with your debit card , you need

Withdrawing money from your UBA account without an ATM card using Leo is a convenient and secure process. Here’s how it works:

1. Generating the Cash-out Token:

  • Start a conversation with Leo: Open WhatsApp, Facebook Messenger, Apple Messages, or any other platform where Leo is available.
  • Initiate the transaction: Type “Cardless Withdrawal” or a similar phrase to let Leo know you want to withdraw cash.
  • Create a 4-digit PIN: Leo will guide you to create a one-time PIN for the transaction.
  • Receive the token: Leo will send you a 10-digit cash-out token via SMS. This token is valid for 24 hours.

2. Withdrawing from the ATM:

  • Locate a UBA ATM: Find any UBA ATM near you.
  • Select “Cardless Withdrawal”: Choose this option on the ATM screen.
  • Enter your PIN: Input the 4-digit PIN you created with Leo.
  • Enter the token: Type in the 10-digit cash-out token you received via SMS.
  • Select amount: Choose the desired withdrawal amount from the available options.
  • Collect your cash: The ATM will dispense your cash.


How to Withdraw Cash from the ATM using the Cash Out Token generated via Leo

To withdraw cash from a UBA ATM using the cash out token generated via Leo, follow these steps:

  1. Generate Cash Out Token:

    • Initiate a chat with Leo on your preferred platform (WhatsApp, Facebook Messenger, etc.).
    • Type “Cardless Withdrawal” and follow the prompts.
    • Create a one-time 4-digit PIN.
    • You will receive a 10-digit token via SMS.
  2. Visit a UBA ATM:

    • Locate a UBA ATM. (Note: Cardless withdrawal can only be made on UBA ATMs.)
    • Select “Cardless Withdrawal” from the ATM menu.
    • Enter the 4-digit PIN you created on Leo.
    • Enter the 10-digit token received via SMS.
  3. Collect Cash:

    • Choose the amount you want to withdraw and collect your cash.


How to Cancel  UBA Cardless withdrawal Request

You can cancel a UBA cardless withdrawal request through the Leo chatbot on your preferred platform (WhatsApp, Facebook Messenger, etc.). Here’s how:

  1. Launch the Leo chatbot: Open the chat with Leo on your chosen platform.
  2. Type “Cardless Withdrawal”: This will prompt Leo to show you options related to cardless withdrawals.
  3. Select “Cancel Request”: Choose this option to proceed with cancellation.
  4. Select the Account: Choose the account from which you initiated the withdrawal request.
  5. Authorize the Transaction: Use any of the available authentication methods (e.g., PIN, fingerprint) to authorize the cancellation.
  6. Enter the Token: Input the 10-digit cash-out token you want to cancel.
  7. Confirmation: Leo will confirm that your request has been canceled.

Alternative Method (If you haven’t generated a token yet):

If you haven’t generated a cash-out token and want to cancel the request, simply exit the cardless withdrawal process on the platform you used (USSD, mobile app, or internet banking). The request will automatically be canceled after a certain period of inactivity.

Frequently Asked Questions

Q; What is UBA Leo?

A: UBA Leo is UBA’s artificial intelligence (AI) powered virtual banker, designed to make banking easier and more convenient. You can interact with Leo through chat on various platforms like WhatsApp, Facebook Messenger, Apple Messages, etc.

Q: How can I access UBA Leo?

A: You can access Leo on:

  • WhatsApp: Add the number +234 903 000 0007 to your contacts.
  • Facebook Messenger: Search for “UBA Chat Banking”.
  • Apple Messages: (For iOS users) Search for “UBA Chat Banking”.
  • Web: Visit the UBA website and click on the Leo chat icon.

Q; What services does UBA Leo offer?

A: Leo offers a wide range of banking services, including:

  • Account opening
  • Balance inquiries
  • Fund transfers
  • Bill payments
  • Airtime and data purchases
  • Cardless withdrawals
  • Loan applications
  • Customer support

Q: Is UBA Leo secure?

A: Yes, UBA Leo is secure. It uses industry-standard encryption to protect your personal and financial information. Additionally, transactions require authentication through a PIN or other security measures.

Q: How do I register for UBA Leo?

A: If you are a new user, Leo will guide you through a simple registration process when you first interact with him. You will need your UBA account details and phone number.

Q: What if I forget my UBA Leo PIN?

A: You can reset your PIN through the UBA mobile app or by contacting UBA customer care.

Q: Can I use UBA Leo if I don’t have a UBA account?

A: Yes, you can still use some of Leo’s features even if you don’t have a UBA account. However, to access all services, you will need to open a UBA account.

Q: How do I know I am chatting with the real UBA Leo?

A: Ensure all Leo platforms have the verification tick before you proceed to chat. Leo will not ask for personal details like your PIN or full card number.

Q: What should I do if I have an issue with UBA Leo?

A; If you encounter any issues while using Leo, you can contact UBA customer care through their Phone number Phone: 0700 2255 822 or +234 1 280 8822

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About admin

Meet Ogbeide Frank, popularly known as perere, a blogger who loves writing about finance and Tech. He studied Business administration at the Ambrose Alli University Ekpoma and Mobile Communication at Orange College Malaysia .Frank have worked as a banker and consultant in variety of Nigeria agencies For Advertisement, Content marketing andsponsored post: contact : kokobest04@gmail.com
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