Comparison

UBA Secure Pass vs (KeyMobile)

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

UBA Secure Pass

This app provides a secure mobile token for authorizing transactions and managing your identity across various banking platforms. It allows for self-activation, eliminating the need to visit a bank branch for setup.

Highlights
  • Transaction authorization
  • Identity management
  • Mobile token
  • Self-activation
  • Virtual channel access
Features
Read full description

The Secure Pass (formerly known as U-Token) is UBA's customized version of the mobile token, for use in authorizing transactions and identity management on all of UBA's virtual channels, from the Internet Banking solution (previously known as U-Direct), to the Mobile Banking solution (previously known as U-Mobile), and eventually all other channels which require authorization of transactions of higher limits using the token. It was also developed in line with the do it yourself model, which enables an existing user of the bank's Internet banking solution, to self activate the token without having to walk into a UBA banking hall.

About

(KeyMobile)

Manage your finances conveniently with this app, offering secure banking services, fund transfers, bill payments, and investment opportunities. Access account details, block cards, and utilize self-service options for a personalized banking experience.

Highlights
  • Account and card management
  • Fund transfers (local and international)
  • Bill payments (airtime, data, cable, utility)
  • Loan requests
  • Investment booking
  • Self-service options (transaction limits, PIN reset)
  • Facial and fingerprint authentication
Features
Read full description

Welcome to the Future of Banking. Welcome to KeyMobile . Banking, Reimagined. Experience a smarter, faster, and more secure way to bank. With KeyMobile, everything you need is right at your fingertips—from everyday banking to powerful financial tools designed around your lifestyle. Transfer money instantly, pay bills with ease, purchase airtime and data, invest confidently, and send international transfers effortlessly—all from one intuitive app. Enjoy a personalized banking experience that puts you in control, wherever life takes you. One app. Endless possibilities. Getting Started with KeyMobile Banking has never been easier. Whether you're a new or existing customer, accessing KeyMobile is simple, secure, and takes just a few minutes. For New Users Follow these simple steps to register and start banking: Download and install the KeyMobile app. Tap Register. Enter your BVN, Account Number, and select your preferred verification method. Enter the last six digits of your debit card. Input the One-Time Password (OTP) sent to your registered mobile number. Create your preferred Username and Password. Start enjoying a world of smarter banking. For Existing Users Already registered? Simply sign in using any of the convenient authentication methods below: Log in with your Username and Password Sign in securely using Fingerprint Authentication Access your account instantly with Facial Recognition What You Can Do with KeyMobile Account & Card Management Manage your accounts and cards with ease. Open a new account in minutes Request a Debit Card, Virtual Card, or Credit Card Block or unblock your debit card instantly View, download, and share transaction receipts Monitor your account balances and transaction history Send Money Transfer funds anytime, anywhere. Transfer between your own accounts Send money to Keystone Bank accounts Transfer funds to all Nigerian banks Send money using a phone number Transfer to multiple beneficiaries at once Make international transfers Pay merchants instantly using NQR Bills & Payments Pay for everything from one app. Buy airtime for yourself or others Purchase data bundles Pay electricity and other utility bills Renew cable TV subscriptions Make Government Collection payments Pay for education, taxes, and other supported services Lifestyle Services Beyond banking, enjoy lifestyle conveniences. Buy eVouchers and Gift Cards Book flights Reserve hotel accommodations Purchase eSIMs Buy international airtime Loans, Savings & Investments Grow your finances with flexible options. Apply for loans instantly Invest in available investment products Access Buy Now, Pay Later (BNPL) for: Airtime Data Bill Payments Self-Service & Security Stay in control of your banking experience. Set and manage transaction limits Change or reset your transaction PIN Schedule recurring payments Manage your beneficiaries Enroll for and manage NQR payments Update your profile and security preferences Enjoy secure banking with biometric authentication Why You'll Love KeyMobile Fast, secure, and easy to use Personalized banking experience 24/7 access to your finances All your banking and lifestyle services in one app Built with enhanced security to keep your money safe KeyMobile — Banking Without Limits. Contact Us: For any inquiries, requests, or dispute management, please use the following contact details: Address: 1, Keystone Bank Crescent, Victoria Island Lagos. Email: Contactcentre@keystonebankng.com Phone: +234 700 2000 3000 or 02013448668 or 02014485743.

Screenshots

UBA Secure Pass3 screens
(KeyMobile)4 screens

Verdict

The call

The clearest difference is rating: (KeyMobile) at 3.1 against UBA Secure Pass's 1.9. (KeyMobile) also leads on update cadence (every 5 weeks vs every 52 months) and review sentiment (16% vs 5%). UBA Secure Pass's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (12.0 vs 15.5). On price, ratings volume, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

(KeyMobile) holds the better App Store score, 3.1 against 1.9. Both are backed by a comparable volume of ratings — 285 and 300 respectively. Written reviews point the same way: 5% of UBA Secure Pass's written reviews are positive against 16% of (KeyMobile)'s.

UpkeepUpdate frequency

UBA Secure Pass ships an update every 52 months, (KeyMobile) every 5 weeks. The most recent releases landed on October 20, 2026 and October 15, 2026 respectively.

Scorecard5 real differences · 5 level
UBA Secure Pass versus (KeyMobile): the parameters behind the verdict, then further details
ParameterUBA Secure Pass(KeyMobile)
PriceFreeFree
Rating1.9 (285 ratings)3.1 (300 ratings) — better
Positive reviews5.5% of reviews15.7% of reviews — better
Number of ratings285300 — better
Update frequencyEvery 52 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.0 — better15.5
Further details — not scored
Size36 MB67 MB
Age rating4+17+
DeveloperUnited Bank For Africa PlcKeystone Banking

Customer experience

UBA Secure Pass

All ratings275 ratings
Positive19.6%
Neutral5.5%
Negative74.9%
Written reviews110 reviews
Positive5.5%
Neutral0.9%
Negative93.6%

(KeyMobile)

All ratings300 ratings
Positive47.0%
Neutral9.0%
Negative44.0%
Written reviews102 reviews
Positive15.7%
Neutral3.9%
Negative80.4%

User reviews

UBA Secure Pass

From 285 App Store ratings

What we love

  • ✅ Simple login process with UBA generated user ID
  • ⚡ Fast and efficient when working properly

Room to improve

  • 🐛 Red screen freeze on launch (especially iPhone)
  • ❌ 'User not eligible' error message preventing access
  • 📱 Poor compatibility with iOS devices
  • 🔌 App fails to load or open
  • 💔 OTP/SMS messages never received

(KeyMobile)

From 300 App Store ratings

What we love

  • 👍 Excellent app
  • 🚀 Fast and smooth
  • 🔒 Secure banking

Room to improve

  • 🐛 Frequent crashes
  • 🐛 Unreliable transactions
  • 🐛 Buggy and unpredictable
  • 🕰️ Slow and unresponsive
  • 🤔 Poor customer service

Bugs and requests

UBA Secure Pass

Reported bugs

11 issues
  • Red screen freeze on app launch
  • App crashes immediately after download
  • User eligibility validation failing incorrectly
  • OTP/SMS delivery system non-functional
  • Save button hidden under swipe line on iPhone
Show 6 more
  • App shows blank/frozen interface
  • Registration process incomplete
  • Invalid secure pass errors despite correct input
  • App incompatible with newer iPhone models
  • Safari connection errors
  • App unresponsive and hangs frequently

Requested features

5 requests
  • Replace secure pass with simple SMS OTP option
  • Implement dark mode
  • Add offline functionality
  • Improve error message clarity and solutions
  • Enable bulk transfer capability

(KeyMobile)

Reported bugs

5 issues
  • Unable to login or access account
  • Transactions failing or not reflecting
  • App crashing or freezing frequently
  • Compatibility issues with newer devices
  • Incorrect account balances or transaction records

Requested features

5 requests
  • Add support for more payment platforms
  • Improve transaction history and statements
  • Provide better error messaging and troubleshooting
  • Streamline login and authentication process
  • Enhance app stability and performance

In-app purchases

None

UBA Secure Pass

No in-app purchases

None

(KeyMobile)

No in-app purchases

Questions

Is UBA Secure Pass free?
UBA Secure Pass is free to download, with no in-app purchases.
Is (KeyMobile) free?
(KeyMobile) is free to download, with no in-app purchases.
Which has better reviews, UBA Secure Pass or (KeyMobile)?
(KeyMobile) is rated higher. UBA Secure Pass averages 1.9 out of 5 from 285 ratings, while (KeyMobile) averages 3.1 from 300 ratings.
Do UBA Secure Pass or (KeyMobile) have ads?
Neither UBA Secure Pass nor (KeyMobile) shows ads.
Which is updated more often, UBA Secure Pass or (KeyMobile)?
UBA Secure Pass ships an update every 52 months, and (KeyMobile) every 5 weeks. Most recently, UBA Secure Pass was updated on October 20, 2026 and (KeyMobile) on October 15, 2026.

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