How to Upgrade Union Bank Account Easily (Online & Offline)

Are you a Union Bank account holder looking to take your banking experience to the next level? Upgrading your account can provide you with a host of new benefits and features that can make managing your finances easier and more convenient. 

Whether you prefer to do your banking online or in person, Union Bank offers simple and hassle-free options for upgrading your account. In this blog post, we will guide you through the process of upgrading your Union Bank account, both online and offline, so you can enjoy all the perks of a premium banking experience. Let's get started!

How To Upgrade Your Union Bank Account Easily Online 

If you're looking to upgrade your Union Bank account online, you're in luck! The process is simple and can be completed from the comfort of your own home. Here are some steps to follow:

  1. Visit the Union Bank website: Start by logging into your Union Bank online account. If you don't have an online account, you'll need to sign up for one first.
  2. Explore upgrade options: Once you're logged in, navigate to the account management section. Here, you'll find a range of upgrade options available to you. Take your time to review each option and choose the one that best fits your needs.
  3. Select the upgrade: Once you've made your decision, click on the upgrade option you're interested in. You'll be guided through the process, which typically involves providing some additional information and agreeing to any terms and conditions.
  4. Confirmation and activation: After completing the upgrade process, you'll receive a confirmation message. Your upgraded account should be activated within a few business days, and you can start enjoying the new benefits and features.

By upgrading your Union Bank account online, you can easily enhance your banking experience and gain access to a range of useful tools and perks. So why wait? Take the next step towards a more convenient and efficient banking experience today!

How To Upgrade Your Union Bank Account Easily Offline  

If you prefer to upgrade your Union Bank account offline, don't worry - the process is just as simple. Here's what you need to do:

  1. Visit a Union Bank branch: Find a convenient Union Bank branch near you and visit in person. The bank's customer service representatives will be happy to assist you with upgrading your account.
  2. Speak to a representative: Once you're at the branch, let the customer service representative know that you're interested in upgrading your account. They will guide you through the available options and help you choose the one that suits you best.
  3. Provide necessary documents: To complete the upgrade, you may need to provide certain documents or information. This could include identification, proof of address, or other supporting documents.
  4. Complete the process: The representative will walk you through the upgrade process, ensuring that you understand the terms and conditions. Once everything is finalized, your account will be upgraded, and you can start enjoying the new benefits.

By upgrading your Union Bank account offline, you can have a personal touch and receive assistance from knowledgeable staff members who can address any questions or concerns you may have. So don't hesitate to visit your nearest Union Bank branch and take your banking experience to the next level!

Common Mistakes To Avoid While Upgrading Your Account   

Upgrading your Union Bank account is a straightforward process, but it's important to be aware of common mistakes to avoid to ensure a smooth and successful upgrade. Here are some pitfalls to watch out for:

  1. Neglecting to review upgrade options thoroughly: Take the time to carefully review all the available upgrade options before making a decision. Consider the features and benefits of each option to ensure it aligns with your banking needs.
  2. Not understanding the terms and conditions: Before finalizing the upgrade, make sure you fully understand the terms and conditions associated with the new account. This includes any fees, minimum balance requirements, or additional obligations.
  3. Failing to provide the necessary documents or information: When upgrading your account offline, it's important to have all the required documents and information ready. This can include identification, proof of address, or other supporting documents. Be prepared to provide them to expedite the process.
  4. Not seeking assistance when needed: If you have any questions or concerns during the upgrade process, don't hesitate to seek assistance from Union Bank's customer service representatives. They are there to help and ensure a smooth transition.

By being aware of these common mistakes and taking the necessary precautions, you can avoid any potential hiccups and enjoy a seamless upgrade to your Union Bank account.

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What can I use to upgrade my Union Bank account?

To upgrade your Union Bank account, you will need to provide the following:

  • A valid means of identification (e.g., Nigerian international passport, national driver's license, or national identity card)
  • A completed account upgrade form
  • Any other relevant documentation (e.g., proof of income, proof of address)

You can upgrade your Union Bank account at any Union Bank branch or using the UnionMobile app.

How do I update my Union Bank account with USSD code?

To update your Union Bank account with USSD code:

  1. Dial *826# on your mobile phone
  2. Select option 1 for "Account Services"
  3. Select option 4 for "Update Account"
  4. Enter your Union Bank account number
  5. Select the option for the detail you want to update (e.g., phone number, email address, address)
  6. Enter the new detail
  7. Confirm the update

How do I upgrade my Union Bank transfer?

To upgrade your Union Bank transfer:

  1. Log in to the UnionOnline internet banking platform
  2. Click on "Self Service"
  3. Click on "Transfer Limit"
  4. Click on "Increase Limit"
  5. Enter the desired limit and click on "Submit"
  6. You will be required to enter your UnionSecure Pass to complete the upgrade

You can also upgrade your Union Bank transfer at any Union Bank branch.

What is the limit of Tier 3 account in Union Bank?

There is no maximum limit on the amount of money you can deposit into a Union Bank Tier 3 savings account. However, you must maintain a minimum balance of N1 million at all times.

What is tier 1 and tier 2 and Tier 3?

Tier 1, Tier 2, and Tier 3 are different types of savings accounts offered by Union Bank.

  • Tier 1 savings account: This is the most basic type of savings account. It has no minimum balance requirement and a low interest rate.
  • Tier 2 savings account: This type of savings account has a higher interest rate than a Tier 1 savings account, but it also has a minimum balance requirement of N500,000.
  • Tier 3 savings account: This is the highest-yield savings account offered by Union Bank. It has a high interest rate, but it also has the highest minimum balance requirement of N1 million.


Upgrading your Union Bank account is a simple and convenient way to take your banking experience to the next level. Whether you choose to upgrade online or offline, Union Bank offers user-friendly options to suit your needs. 

Remember to avoid common mistakes, such as neglecting to review upgrade options thoroughly or failing to provide the necessary documents. By being aware of these potential pitfalls, you can ensure a smooth and successful upgrade.

So, why wait? Upgrade your Union Bank account today and unlock a world of enhanced banking experiences and benefits.

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