Union Bank
A Nigerian commercial banking service for individuals and SMEs, with merchant payment processing, branch access, and an Android mobile banking app.
Union Bank Product Overview
Is Union Bank Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian individuals
- Nigerian SMEs
What It Does Well
- Merchant payment processing
- Savings and deposits
Things to Check
- Android app features
- USSD transaction limits
About Union Bank
Union Bank is a Nigerian commercial bank serving retail customers and SMEs with personal banking, business banking, and digital channels for everyday transactions.
Key capabilities documented across its site and public app listing include:
- Personal banking products designed for individual customer needs
- SME banking support for small and medium businesses
- Merchant payment processing for businesses that need to accept and manage payments
- Mobile banking via an Android app for on-the-go account access and banking tasks
Available on Web, Android and iOS.
It targets individual customers, small and medium businesses, and merchants in Nigeria, with physical branch and cash-center access referenced across cities including Lagos, Port Harcourt, Kano, and Abuja.
Notably, the brand appears to be in transition, as the website states “Titan Trust Bank is now Union Bank of Nigeria”, and public listings also reference it as Union Bank of Nigeria (Formerly Titan Trust Bank). The bank was established in 2018, with a national banking license referenced as issued in 2019.
Union Bank Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. Learn moreAs of Sep 28, 2026, Union Bank is rated 3.1 on the App Store from 679 reviews and 3.5 on Google Play from 23.5K reviews with 1M+ installs.
Recent Reviews for Union Bank
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Latest Union Bank News & Updates
Liners collects product news from official company updates and trusted publications. We refresh coverage as new articles are published. Learn moreResearch Mentioning Union Bank
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BankingWe Opened a Naira Account at Every Bank in Nigeria, Here's What We Found
A Liners field study across traditional banks and digital banks in Nigeria, with real BVNs and NINs.
Frequently Asked Questions About Union Bank
NIN was requested at 7 of 9 Union Bank visits Liners logged. BVN blocked the process from starting at 4 of 9, proof of address at 3 of 9, and a utility bill specifically at just 1 of 9.
This lines up with the wider Nigerian market. In Liners' 2026 Naira account opening study, NIN was requested in 96 of 100 walk-in visits overall, and BVN blocked the process from starting entirely at 42 of them.
- Visit a Union Bank branch with your NIN, and BVN and proof of address if requested.
- Fill out the account opening form, if one's available. At the UCH branch in Ibadan, staff had no physical form and had the researcher open the account through the app instead.
- Wait to be attended to.
- Your account number typically arrives by SMS.
Union Bank never charged an opening deposit at any visit Liners logged, and was rated 5 out of 5 at every single one, tied with Polaris Bank for the most consistent top rating in the 2026 field study.
Union Bank is Titan Trust Bank’s online banking service for individuals, SMEs, and merchants in Nigeria. It works through web banking, branch access, and a mobile banking app for everyday banking and payments.
Union Bank operates in Nigeria.
You can sign up through the mobile app if you already have an account, or open an account as a new customer. The app listing says to download the app, choose Sign Up or Open account, then create a username, password, and transaction PIN.
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