UP Agent

A UP Agent is any person authorized or duly approved having successfully completed a registration process to transact or render services as a UP Agent to the general public.

An initial deposit of N5,000.00 will be deducted directly from account to successfully complete the registration and will be paid into the Agent's prepaid account for business. As part of the Agent set-up, a POS terminal will be required for cash withdrawal for customers who may want to transact with Card. Certain hardware may also be required for some services e.g. BVN registration

A UP Agent can sign up on his own but where he was referred by a UP Agent Manager, the UP Agent should include the UP Agent Manager’s phone number during the Agent’s registration process. The UP Agent is directly answerable to UP or a UP Agent Manager as the case may be.

The UP Agent is not required to make an advance payment prior to transacting. Transaction will be carried out in line with funds available in the account of the UP Agent.

Terms and Condition

  • UP Agent is expected to act with integrity and character: if any UP Agent is known not to act as such, UP reserves the right revoke license.
  • UP Agent that defrauds or engages in any irregularities while dealing with members of the public will be blacklisted and reported to regulators and law enforcement agencies for prosecution.
  • UP Agent must display Signages at their respective locations.
  • Available services and commission payable to UP Agent per transaction is as below and may be reviewed from time to time by UP; 
Transaction Type Service UP Agent Commission
Airtime MTN 2.1%
Glo 3.15%
9mobile  3.92%
Airtel  2.1%
Bill Payment Dstv/Gotv 1.33%
Startimes 2.66%
LCC 0.77%
SMILE 4.2%%
AEDC 1.05%%
EKEDC 1.33%
IBEDC 1.47%
IKEDC 0.84%
KEDCO 1.33%
KAEDCO 1.05%
JED 0.56%
Swift 0.77%
Cash Withdrawal Withdrawal (N50 Payable by Agent)  Fees @ Agent's Discretion
Cash Deposit Deposit (N50 Payable by Agent)  Fees @ Agent's Discretion
Transfer Deposit (N30 Payable by Agent)  Fees @ Agent's Discretion
Account Opening Registration N40
BVN (Bank Verification Number) Registration Registration N40
NIN (National Identity Number) Registration Registration N40
JAMB Registration Service Rates N0-N500 N5
N501-N1000 N15
Above N1000 N20
E-PIN N180
FRSC Registration Registration N50
NIS(Nigerian Immigration Service) E-Passport N100
COD N100