Looking for the updated United Bank for Africa salary structure and allowance in Nigeria? You’re in the right place. UBA is one of Africa’s largest banks, known for its continental reach and employee-focused policies. Many fresh graduates, banking professionals, and job seekers want to know what UBA pays from tellers to executives and what perks come with each role.
Whether you're applying as a teller, relationship officer, branch manager, zonal head, or C-suite executive, this guide gives you everything you need from base salaries and allowances to bonuses, real living costs, career progression, and negotiation tips.
Who Is United Bank for Africa?
Founded in 1949, UBA is a pan-African bank with operations in over 20 countries. In Nigeria, it offers retail, corporate, SME, and international banking services. UBA is widely regarded as innovative, digitally driven, and growth-focused—offering structured training and formal pay reviews. That makes United Bank for Africa salary structure not just competitive but also transparent and merit-based.
Quick Salary Snapshot (2025)
Here’s an executive summary of the United Bank for Africa salary structure and allowance by role:
| Role / Level | Base Salary (₦) | Total Monthly Compensation (₦) |
|---|---|---|
| Teller / Customer Service Officer | 160,000 – 200,000 | 180,000 – 250,000 |
| Relationship / Credit Officer | 250,000 – 350,000 | 300,000 – 450,000 |
| Branch Supervisor / Team Lead | 350,000 – 570,000 | 400,000 – 700,000 |
| Branch Manager | 600,000 – 900,000 | 700,000 – 1,200,000 |
| Area / Zonal Manager | 900,000 – 1,300,000 | 1,000,000 – 1,800,000 |
| Department Head / Specialist | 1,400,000 – 2,500,000 | 1,600,000 – 3,500,000 |
| Executive (C-Level) | 3,000,000 – 6,500,000+ | 4,000,000 – 10,000,000+ |
Allowances and bonuses significantly raise actual take-home pay.
1. Teller / Customer Service Officer Salary
Role Insight
Tellers and CSOs handle customer transactions, account-related questions, and minor service issues. They are UBA’s first customer-facing staff, requiring professionalism, accuracy, and friendly service.
Base Salary & Allowances
Base Pay: ₦160,000 – ₦200,000 monthly
Transport Allowance: ₦30,000 – ₦60,000
Feeding Subsidy: ₦15,000 – ₦30,000
Mobile/Data Allowance: ₦5,000 – ₦15,000
Health Insurance (HMO Coverage)
Pension/Gratuity Contributions
Total Take-Home
With allowances, the monthly income is ₦180,000 – ₦250,000. Daily work is shift-based, often in busy branches, offering a stable start for many.
2. Relationship / Credit Officer Salary
Role Overview
RCOs manage accounts, process loans, and support SME and retail clients. They work on targets, customer retention, and service standards.
Salary & Incentives
Base Salary: ₦250,000 – ₦350,000
Transport Allowance: ₦60,000 – ₦120,000
Hospitality Fund: ₦20,000 – ₦60,000
Mobile/Data: ₦10,000 – ₦20,000
Bonus/Incentives: ₦20,000 – ₦100,000 monthly
Total Compensation
Monthly income can reach ₦300,000 – ₦450,000, depending on performance and branch targets.
3. Branch Supervisor / Team Lead Salary
Role Definition
These professionals oversee teller teams, monitor compliance, manage service standards, and ensure daily operations run smoothly.
Total Salary Package
Base Salary: ₦350,000 – ₦570,000
Transport Subsidy: ₦100,000 – ₦200,000
Housing/Utility Stipend: ₦50,000 – ₦100,000
Client Hospitality Fund: ₦50,000 – ₦100,000
Performance Bonus: ₦50,000 – ₦200,000 quarterly
Take-Home Income
Estimated total: ₦400,000 – ₦700,000 monthly.
4. Branch Manager Salary
Role Responsibilities
Branch Managers are in charge of P&L, compliance, team development, and stakeholder relationships at the local level.
Salary & Benefits
Base: ₦600,000 – ₦900,000
Car Allowance/Official Vehicle: ₦150,000 – ₦300,000
Housing/Utility Stipend: ₦100,000 – ₦300,000
Client Hosting Budget: ₦100,000 – ₦200,000
Performance Bonus: ₦200,000 – ₦500,000 annual
Take-Home
Monthly estimated income: ₦700,000 – ₦1,200,000.
5. Area / Zonal Manager Salary
Role Scope
They supervise multiple branches, ensuring performance targets, risk control, and staff mentoring across their zone.
Total Compensation
Base Pay: ₦900,000 – ₦1,300,000
Vehicle/Transport Allowance: ₦300,000 – ₦500,000
Housing/Utility Stipend: ₦200,000 – ₦400,000
Zone Incentives: ₦300,000 – ₦700,000 annually
Monthly Take-Home
Ranges between ₦1,000,000 – ₦1,800,000.
6. Department Head / Specialist Salary
Role Profile
Heads of Risk, IT, Marketing, Finance, and other departments lead strategy and manage large teams. They also advise executive leadership.
Compensation Package
Base: ₦1,400,000 – ₦2,500,000
Car/Housing Allowance: ₦300,000 – ₦600,000
Project Budget/Tools: Provided annually
Annual Bonus: ₦500,000 – ₦1,500,000+
Executive Training & Conference Funds
Take-Home Income
Estimated at ₦1,600,000 – ₦3,500,000+ monthly.
7. Executive (C-Level) Compensation
Role Details
Includes CEO, CFO, COO, CTO, CMO — leading strategy, performance, and growth.
Salary & Perks
Base Salary: ₦3,000,000 – ₦6,500,000+ monthly
Equity / Stock Options for senior leadership
Car & Housing Allowance: ₦500,000 – ₦1,000,000
Comprehensive Health for Family
Annual Bonus: 20–50% of base (₦1M+)
Retirement & Executive Perks
Total Income
Executive packages frequently exceed ₦4,000,000 – ₦10,000,000+ monthly.
Allowance & Benefit Summary
| Allowance / Benefit | Range / Description |
|---|---|
| Transport / Vehicle Allowance | ₦30,000 – ₦500,000 |
| Housing / Utility Stipend | ₦50,000 – ₦600,000 |
| Feeding / Client Hospitality | ₦15,000 – ₦200,000 |
| Mobile / Data Allowance | ₦5,000 – ₦20,000 |
| Official / Company Vehicle | For managers & above |
| Health Insurance (HMO) | Full coverage for staff & dependents |
| Pension & Gratuity | Employer statutory contribution |
| Performance Bonuses | Monthly, quarterly, annual incentives |
| Career Development Budget | Training, certifications, workshops |
| Staff Loans (Car, Housing, Personal) | Accessed with supportive terms |
| Equity / Stock Options | Provided to senior leadership |
Bonuses, Growth & Career Path
Performance Bonuses
Monthly/quarterly bonuses vary based on targets
Year-end “13th month” salary or traditional bonuses
Spot awards for exceptional work
Career Ladder
Teller → Customer Service
Relationship / Credit Officer
Branch Supervisor
Branch Manager
Area / Zonal Manager
Department Head
Executive Team Member
Promotion Criteria
KPI achievement
Leadership & initiative
Professional development (CIBN, MBA)
Customer service scores
Compliance record
Cost-of-Living Comparisons
Here’s how UBA salaries align with living expenses in major cities:
| Role | Take-Home (₦) | Monthly Expenses (₦) | Lifestyle Standard |
|---|---|---|---|
| Teller / CSO | 180k – 250k | 90k | Basic, stable |
| Relationship Officer | 300k – 450k | 150k | Comfortable, saving possible |
| Branch Supervisor | 400k – 700k | 200k | Very comfortable |
| Branch Manager | 700k – 1.2m | 300k | High living standard |
| Zonal Manager | 1m – 1.8m | 400k | Luxury living, investments |
| Department Head | 1.6m – 3.5m | 500k | Affluent, asset-building |
| Executive | 4m – 10m+ | 700k+ | Top-tier, elite lifestyle |
Even mid-level roles support comfortable living with potential savings and investment.
Pro Tips: Navigating United Bank for Africa Salary Structure
Clarify Allowances Early – Understand transport/ housing perks
Show KPI Impact – Bring metrics to the table
Upskill – Certifications and leadership training help advancement
Network Internally – Visibility supports promotions
Lead Initiatives – Taking charge of projects improves your profile
Understand Review Schedules – Know when performance cycles occur
FAQs – United Bank for Africa Salary & Allowance
What do tellers earn at UBA?
Total take-home is ₦180,000–₦250,000 monthly (2025).
Do relationship officers get allowances?
Yes—transport, feeding, airtime, and performance bonuses.
What do branch managers earn?
Monthly income ranges from ₦700,000 to ₦1,200,000.
Do zonal managers get housing benefit?
Yes, housing allowance ranges between ₦200,000–₦400,000, plus zone incentives.
Can executives earn over ₦10M monthly?
Yes with base pay, bonuses, and equity, total compensation may exceed ₦10 million.
Final Thoughts: United Bank for Africa Salary Structure & Allowance (2025)
The United Bank for Africa salary structure and allowance plan for 2025 is built around transparency, performance, and growth. From competitive entry roles to elite executive compensation, UBA supports staff at every career level with rewards, allowances, and professional development.
This guide equips you for interviews, career planning, or salary negotiations—arming you with updated pay ranges, benefit analysis, career pathways, and cost-of-living insights. If you're planning a career at UBA, you've now got all the info.