UBA Secure Pass vs Access More
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Transaction authorization
- Identity management
- Mobile token
- Self-activation
- Virtual channel access
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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.
Access More
This innovative mobile payment app goes beyond traditional banking, offering seamless financial transactions, payment solutions, and lifestyle experiences. It provides personalized services, ease of use, and a wide range of features from quick account opening to investment services and bill payments.
- Quick account opening
- Personalized dashboards and themes
- Investment services
- Loan and visa applications
- Bill payments and transfers
- Card and cheque services
- Airtime top-up
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The Access More App is an innovative mobile payment application that offers a more than banking experience. The App is built to help our customers consummate their financial transactions, payment solutions and enjoy a lifestyle experience. Prospect customers are welcome to become account holders by downloading the App and onboarding themselves on the platform seamlessly. The App is built on cutting-edge technology, offering tailored and personalized services, ease of use and excellent customer experience to all our customers The following unique features are available on the App: Quick account opening Personalized theme and color scheme Bespoke dashboards Single click to all favorite features Self QR generation for intra-bank transfers Scan QR for payments Investment services PayDay Loan Dubai Visa application Movie Ticket purchase Improved beneficiary management Efficient bills payment Inter-bank transfers Simplified foreign currency transfer service Airtime top-up Cheque Services (New cheque book request, stop and confirm cheque) Card Services (New debit card request, card block and unblock) Transfers to Access Y’ello accounts Gaming And lots more…. How to get the Access More App Download and install the Access More App Existing Access Mobile App users can login with the same username and password and transact with their existing PIN Existing Diamond Mobile App users can login with the same username and password and transact with their existing PIN For new users, simply open the downloaded App and register
Screenshots
Verdict
The clearest difference is review sentiment: Access More at 66% against UBA Secure Pass's 5%. Access More also leads on rating (4.7 vs 1.9) and update cadence (monthly vs every 52 months). UBA Secure Pass's advantage is iOS requirement (12.0 vs 15.5). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Access More holds the better App Store score, 4.7 against 1.9. That said, the two scores are not equally well evidenced: Access More has 119K ratings behind it against 285, so its average is the more settled of the two. Written reviews point the same way: 5% of UBA Secure Pass's written reviews are positive against 66% of Access More's.
UBA Secure Pass ships an update every 52 months, Access More monthly. Both last shipped on November 1, 2026.
| Parameter | UBA Secure Pass | Access More |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (285 ratings) | 4.7 (119K ratings) — better |
| Positive reviews | 5.5% of reviews | 65.9% of reviews — better |
| Number of ratings | 285 | 119K — better |
| Update frequency | Every 52 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 36 MB | 232 MB |
| Age rating | 4+ | 4+ |
| Developer | United Bank For Africa Plc | Access Bank Plc |
Customer experience
UBA Secure Pass
Access More
User reviews
UBA Secure Pass
From 285 App Store ratingsWhat 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
Access More
From 119K App Store ratingsWhat we love
- 🚀 Fast and reliable
- 👍 Excellent banking experience
- 🔒 Secure transactions
- 💡 Convenient mobile banking
Room to improve
- 🐛 Frequent app crashes
- 🔍 Unreliable help features
- 💰 High banking charges
- 🕰️ Slow transaction processing
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
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- 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
Access More
Reported bugs
4 issues- Disappearing beneficiary list
- Inability to upgrade transaction limits
- Inconsistent app performance across devices
- Login and OTP issues
Requested features
4 requests- Ability to save beneficiaries
- Calendar view for transaction history
- Facial recognition login option
- Improved notification management
In-app purchases
UBA Secure Pass
No in-app purchases
Access More
No in-app purchases
