United Capital Plc is a leading pan-African financial services institution focused on leveraging technology to empower businesses, individuals and governments with excellent financial services
We seek to create value for investors across a wide financial spectrum.
United Capital Plc is an investment banking group at the nexus of technology, professional financial services, and financial inclusion in Africa. For over 60 years, we have consistently blazed the trail in leadership, innovation, and service delivery in the finance industry, serving governments and top corporates as well as SMEs and individuals.
We offer Investment Banking, Asset Management, Trustee and Securities Trading services at institutional and retail levels. We also offer loans through our Consumer Finance division
United Capital Plc has been in business for more than 60 years, leading the financial services industry and offering our services to individuals, companies, and governments across the African continent
Please send an email to cec@unitedcapitalplcgroup.com or call us on 07000468378.
Kindly visit investnow.ng to choose an investment product and open an account. For more information, please send an email to cec@unitedcapitalplcgroup.com or call 07000468378
As a registered member of the Securities and Exchange commission (SEC) and a dealing member of the Nigerian Stock Exchange, our operations are guided by regulations. This means that all transactions are regulated, registered, and reported to the SEC.
Depending on the investment, you can request a withdrawal of your funds from your investment account into your registered bank account at any time
Any enquires regarding your shares in United Capital Plc, including change of name, address, or lost certificate, should be directed to the Registrars at the following address:
Africa Prudential Plc
220B Ikorodu Road
Palmgrove, Lagos
Telephone: 0700 AFRIPRUD /0700 237 47783
Email: cxc@africaprudential.com
United Capital shares were listed on the floor of the Nigerian Stock Exchange on the 11th of January, 2013.
To buy or sell United Capital shares, please contact United Capital Securities Customer Service at 3rd Floor, Afriland Towers, 97/105 Broad Street, Marina, Lagos | Email CustomerService@unitedcapitalplcgroup.com
United Capital board believes in rewarding shareholders for their continued support and resolves to pay dividends when the company reports profits.
A Trust is a legal arrangement where you (the Settlor) transfer assets to a Trustee (such as United Capital Trustees) to manage on behalf of a beneficiary. It is a separate legal entity that exists to hold and manage assets according to your wishes.
A Trust can be executed while the Settlor is alive; a Will only takes effect after the Testator’s demise. Beneficiaries can access a Trust without probate documents, unlike a Will.
The Trust Deed is a formal agreement outlining how, when, and to whom your assets will be distributed in line with your wishes. Beneficiaries can access your assets without probate documents.
No, only the Settlor can give instructions during their lifetime.
No, beneficiaries can be family, friends, or anyone you wish to benefit.
The Private Investment Trust (PIT) allows you to set aside lump sums or periodic contributions for long-term saving and investment, including a Trust arrangement for named beneficiaries.
Yes, the Private Investment Trust allows free entry and exit for emergencies.
We provide net returns on investments. No hidden commissions or taxes apply because the investment is under a Trust.
Funds are invested in secured money market instruments with little or no risk, such as bonds and commercial papers.
Yes, the Education Trust ensures your children’s education, welfare, health, and leisure are supported with a lasting legacy.
Yes, we offer dollar and pound-denominated options across Private Investment Trust, Education Trust, and Nigeria Diaspora Trust.
Rates vary by amount and tenure. Minimum tenure is 30 days; there is no maximum.
Withdrawal takes 24 hours for Naira investments; 48–72 hours for Dollar investments.
Rates are relatively stable but may adjust based on market conditions.
Yes, including Wills, Living Trusts, Family Office Trusts, Retirement Benefit Trusts, etc.
We manage and protect assets, make investments, insure where necessary, maintain records, review assets regularly, ensure proper distribution, and facilitate final transfer to beneficiaries.
No, our Trust experts guide you through the process to achieve your goals.
We serve retail clients, corporate institutions, and government entities.
Yes, including Security Trusteeship and Escrow Services for corporates.
Email customerservice@unitedcapitalplcgroup.com or trustees@unitedcapitalplcgroup.com for more information.
To buy shares on the Nigerian Exchange, you will need to open a trading account with a licensed stockbroker. With United Capital Securities, you can do this easily through the InvestNow app or website.
Here’s how to start:
For help, reach our team through any of these channels:
Once your account is open, visit trade.investnow.ng to get started.
Dividends are the portion of a company’s profit shared with shareholders.
In Nigeria, dividends are usually paid twice a year: an interim dividend (mid-year) and a final dividend (year-end).
Note: Not all companies pay interim dividends, but most pay final dividends annually.
To trace any outstanding dividend, kindly follow these steps:
Once your form and KYC documents are complete, funding and account setup take about 48 working hours.
You can confirm this through your trading dashboard. Executed orders are marked in green, and you’ll also receive a contract note via email after trading closes for the day. Alternatively, if you sent a trade mandate manually, a broker would execute the trade on your behalf and a contract note will be sent afterward to you.
Yes, you can open a securities account, as long as you have a Nigerian bank account and BVN for verification.
If not, you can open an account through a custodian service.
Yes, you can. You will be required to complete an account opening form with us, attach your KYC documents, and fill an inter-member transfer form with your current broker, including your CSCS statement.
A market order is a buy or sell order to be executed immediately at the current market price, as long as there are willing sellers and buyers.
Example: If UBA’s best ask price is ₦50.25, a market order to buy executes instantly at ₦50.25 (assuming enough shares are available).
A limit order lets you set a price for your trade. It only executes if the market hits that price or better.
Example:
You want to buy UBA at ₦50 or less.
To reset your password, please send an email request to Securities@unitedcapitalplcgroup.com or reach out to customerservice@unitedcapitalplcgroup.com
Go to the menu bar on the platform and tap Portfolio to view your holdings and performance summary.
Clients’ portfolio statement and summary are always available on the platform. But if you are still unable to access the portfolio, please send an email to our customer interaction center:
To cancel your mandate, please send an email request to customerservice@unitedcapitalplcgroup.com and Securities@unitedcapitalplcgroup.com.
Kindly note that a mandate can only be cancelled if it has not been executed at the time of cancellation.
You can access trading information directly on the platform:
Yes, you can. Simply go to the Menu, select Market, then click on Report. Under that section, choose Daily Price List & Market Summary and click Run to view the latest prices.
To view your statement, go to the Menu Bar and select My Reports. Choose your preferred date range by filling in the “From” and “To” dates, then click Run to generate your statement.
You can download your contract notes by going to the Menu and selecting My Reports. From the drop-down options, choose either Purchase Contract Note or Sale Contract Note, then click Run to view or download the file.
When you place orders under the TRADE REAL-TIME tab on the Menu.
The orders appear in different colors on the order book section, below are the significance of each colour:
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Payments made during business hours reflect the same day.
If not reflected within 24 hours, send your proof of payment to customerservice@unitedcapitalplcgroup.com for resolution.
Yes, we are fully licensed and regulated by the Securities and Exchange Commission (SEC) and the Nigerian Exchange (NGX).
Contact us immediately at securities@unitedcapitalplcgroup.com and customerservice@unitedcapitalplcgroup.com so your account can be temporarily locked for investigation.
Yes. Both applicants will need to submit:
To update your personal details, send an email to securities@unitedcapitalplcgroup.com or customerservice@unitedcapitalplcgroup.com requesting a KYC update form.
No, you cannot. For security reasons, each account should only be accessed from one device at a time.
PEP stands for Politically Exposed Person – a term used for anyone in a high-profile government or public position (like politicians, judges, or senior officers) who may be at higher risk of financial exposure.
The following are the required documents to open an account:
Trades settle on T+3 – that is, three working days after the transaction date.
Yes. You can invest in new IPOs through United Capital.
Steps:
United Capital Securities’ brokerage fees and commissions vary depending on the transaction type (equities, bonds, ETFs) and whether you’re trading on the Nigerian Exchange (NGX) or other markets. Typical fees on the Nigerian Exchange (NGX):
Rates may vary slightly depending on the transaction type.
No, all applicable fees and charges are clearly itemized on your purchase and sale contract note for full transparency.
No, there are no charges for withdrawals – all withdrawals are free of charge.
No, the Money Market Fund is managed by our Asset Management business and does not invest directly in shares.
However, you can move funds from your Money Market account to your trading account to buy shares.
The goal is to buy shares of strong companies at a low price and earn returns either through dividends or capital appreciation when prices rise.
The InvestNow platform lets you trade stocks in real time and access expert research and market insights to make informed investment decisions.
It depends on your goals, age, and risk appetite.
Generally, we recommend investing in quality companies with solid fundamentals for medium to long-term growth.
Returns come as dividends or capital gains (when you sell shares at a higher price).
Proceeds from sales are settled into your account within three working days.
Returns are not fixed or guaranteed. They depend on market performance and company results.
No, you can explore multiple investment products within United Capital to diversify your portfolio.
Offshore investments are investments that are made outside an investor’s resident country.
For example, if a Nigerian resident invests in the U.S., that investment is considered an offshore investment.
We help you invest and manage assets in global markets. Services include:
Offshore investing spreads your money across different countries, asset classes, and currencies. It provides global opportunities and reduces the risk of keeping all investments in one place or currency.
Depending on what you invest in, you can earn:
You also enjoy global diversification and exposure to world-leading companies and industries.
Yes, it is completely legal to invest in offshore securities.
There is no fixed minimum or maximum amount. Your investment should cover the cost of securities you want to buy and associated brokerage fees.
The minimum tenor depends on the security type. Equities have no specified term; bonds do. Terms will be communicated before purchase.
Yes. We partner with leading global companies and fund managers. Our wealth management services prioritize trust, communication, and integrity.
Yes. Brokerage fees apply, and you may need to pay relevant foreign taxes or duties.
To invest:
Trades are processed and executed within 24 to 48 working hours of receiving your instruction.
We provide periodic portfolio valuations and cash statements so you can monitor your investments.
Your investments are securely held by our appointed custodian.
We also provide:
You can open an investment account in minutes via the InvestNow App (available on Google Play and iOS) or through the web platform at investnow.ng.
Simply sign up, complete your KYC, and fund your account to begin investing.
You can monitor your investment performance via the InvestNow web platform:
Monthly statements are also emailed to all clients.
Statements are accessible anytime through the InvestNow web platform. You can also refer to the InvestNow FAQs (insert link to InvestNow FAQs page) for step-by-step guidance.
If you do not receive your monthly statement by email, kindly check your spam/junk folder. If still unavailable, send a request to customerservice@unitedcapitalplcgroup.com.
Naira and Dollar investments typically reflect within 24–48 business hours after funds are received. You can confirm the status via your portfolio statement on InvestNow.
Withdrawals (liquidations) can be initiated via the InvestNow App or Web.
Delays may occur due to public holidays, incomplete KYC, or incorrect bank details.
Send an email to customerservice@unitedcapitalplcgroup.com to request an update form. Complete the form and return it with a valid ID and proof of account.
All applicable fees are already netted off returns. This means that no additional deductions are made from the returns shown on InvestNow.
United Capital Asset Management offers a range of mutual funds to suit different investor goals and risk appetites:
The minimum amount you can invest is ₦10,000.
Interest is accrued daily, compounded, and reflected in your account. Dividends are paid quarterly.
Yes, you can. However, there’s a 14-day holding period.
Withdrawals before this period attracts a 10% penalty on the accrued interest of the amount withdrawn.
Returns vary depending on market conditions.
This fund is designed for long-term investing (3–5 years minimum).
Returns are market-driven, which means they can fluctuate. However, they tend to offer higher potential returns over time.
Yes, you can. However, a long-term holding is recommended to get the best value from your investment.
The Eurobond Fund is denominated in USD.
You can invest through a USD transfer.
The minimum amount required is $1,000.
Returns are typically reinvested, but you can request to have them paid out if you prefer.
It’s a mutual fund created to help women build long-term wealth through a mix of fixed-income and equity investments. It also encourages women to save toward retirement.
While the fund is tailored for women, anyone can invest in it to support a socially impactful, female-focused initiative.
The minimum investment amount is ₦10,000.
It is recommended for long-term investors, depending on personal financial goals.
Yes, you can. Redemptions are processed within 24 business hours.
Withdrawals before the 90-day holding period attract a penalty, and early exits may reduce your return potential.
Download the InvestNow App (Google Play or App Store) or visit the web platform. Alternatively, click here to open an account.
The fund invests in a mix of equities and fixed-income securities for balanced growth.
It’s designed for a medium to long-term period (2–4 years).
It’s an open-ended, Naira-denominated mutual fund that invests in a diversified mix of money market and fixed-income securities, including government and corporate bonds. It offers low-risk, stable returns while preserving capital.
The fund is open to Qualified Institutional Investors and High Net Worth Individuals (HNIs) as defined by the SEC.
You can start with a minimum of ₦50,000,000, with ₦10,000,000 for subsequent subscriptions.
It is designed for medium to long-term investing, ideal for those seeking stable growth.
Returns (dividends) are distributed annually.
Yes, redemptions can be made anytime and are processed within 24 business hours.
Yes. Withdrawals before the 30-day holding period attract penalties.
It is managed by professional portfolio managers who use in-depth research and market insights to optimize performance.
Download the InvestNow App (Google Play or App Store) or visit the web platform.
Alternatively, click here to open an account.