Send BTC to your Monica wallet, receive naira to your UBA account in 30–90 seconds. The fastest BTC-to-UBA flow in Nigeria.
Direct payout to UBA • 30–90 seconds typical clearing
United Bank for Africa serves Monica withdrawals across all 36 states. Reliable clearing, occasionally slightly slower than GTBank or Zenith. The flow on Monica is the same regardless of bank — what differs is the timing on the bank side. UBA sits in the tier-1 bank category, with typical clearing of 30–90 seconds for NIBSS instant transfers.
Open Monica, go to Bank Accounts, choose UBA, enter your account number. Auto-verified in seconds.
From your external wallet, send BTC to your permanent Monica deposit address. Use the network shown beside the address.
Once on-chain confirmation lands, naira credits to your Monica balance at the live mid-market rate. 0% fee.
Tap Withdraw, choose your saved UBA account, type the amount. NIBSS clears in 30–90 seconds.
Monica auto-verifies the account name when you add a UBA account. If the name doesn't match, the system blocks the save — preventing payouts to wrong accounts before they happen.
If a NIBSS transfer takes longer than 30–90 seconds, the funds are guaranteed by the rail itself. Worst case: the amount reverses to your Monica balance within 24 hours and you can re-attempt.
If UBA restricts your account independently (PND, BVN issue, AML flag), the payout reverses cleanly to your Monica balance. You then withdraw to a different bank.
Failed bank transfers are reversed to your Monica balance automatically. No support tickets needed for the standard failure modes.
"Small gripe — it logged me out once and I had to sign in again. But payouts are genuinely instant."
"Was sceptical at first sha. Did a small test, naira landed instant. I dey use am every week now."
"The rate is the rate. After years of P2P arguments, that peace of mind is everything."
"E dey work die. Moniepoint alert enters sharp sharp every single time."
30–90 seconds typical clearing. United Bank for Africa serves Monica withdrawals across all 36 states. Reliable clearing, occasionally slightly slower than GTBank or Zenith.
No. Monica charges 0% on all bank withdrawals including UBA. The amount you see in the withdrawal screen is the amount that hits your UBA account.
Standard CBN limits apply. Higher limits available for verified business accounts — common for traders moving large USDT volumes for supplier payments.
Yes. UBA processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday-night Monica withdrawals to UBA clear at the same speed as weekday withdrawals.
Yes. Both account types are supported. Business accounts at UBA can request higher daily limits via Monica support.
That's a UBA matter, not a Monica one. If a withdrawal fails because your bank account is restricted, the naira returns to your Monica balance and you can withdraw to a different bank.
Open the Monica app, go to Settings → Bank Accounts, tap Add Account, choose UBA from the list, enter your account number. The system auto-verifies your account name. Save and use for future withdrawals.
Among the tier-1 commercial banks, UBA clears in 30–90 seconds. Digital banks (Opay, Kuda, Moniepoint, Palmpay) are typically faster at 5-10 seconds.
Monica works with every NIBSS-connected bank in Nigeria — every commercial bank, every digital bank, every microfinance bank. Tap any bank below for its dedicated payout page.
Add your UBA account, deposit crypto, withdraw naira in 30–90 seconds.
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