UBA Bank Scam
The UBA Bank has US$180 Million of an investment fund ready to transfer to me but someone else is trying to get their hands on it. I must prevent this person taking "my" money, even if I do not have an investment fund and this is most certainly a scam. Let's play along I wont get any of the money but neither will they get any of my money.
E-Mail received:
Date: 24/01/26 06:28
From: worldbankregionalmanager18@gmail.com
Reply-To: philiptwe@gmail.com
To: [Email address redacted]
Subject: GOOD NEWS UBA
Ref: Payment of $180 million approval.
We received instruction few days from our correspondent bank to transfer the UBA BANK investment funds sum of $180. million into your account which we are on the process to open an online banking account on your name and forward to you the account information so that you can transfer your funds into your regular account in your country by yourself to avoid any problem.
To our great surprise this morning when we are about to open your online banking account, we received another email from One Ms Diane L. Mcallister whom claims to be your representative and forwarded to us the following account information for us to transfer the fund into her account. She came in company with ONE OF our bank staff.
The account which she forward to us is as follow.
Bank of America
St. Petersburg, Florida, USA
Diane L. Mcallister
Account# 003767127294
Routing # 063100277
65 Jabotinsky St\#2
Ramat Gan, ISRAEL 54224
Please, Do reconfirm to us as a matter of urgency if this lady is from you and has your authority to receive your fund .If this lady is not your representative, You are requested to fill and send this information for verification purpose, so that your fund value of $180 million united state dollars will be paid to you through online banking method Or our cash receiving center in Europe.
1.passport photograph
2.Full name
3.address
4.city
5.state
6.country
7.gender
8.occupation
9.date of birth
10.mode of ID
11.ID Number
12.phone Number
13.Email Address
Thank you for your cooperation.
Sincerely,.
Yours Faithfully,
Joseph Mbulu
Chief Financial Officer and Executive Director
Notes: Incredible story, quite unbelievable. Further to that it appears that the UBA Bank sends and receives email using Gmail accounts and not domain name email addresses matching the UBA Bank website. The people contacting us are not from the genuine UBA Bank.
I replied giving the information and documents they requested... all fake, not my real contact details or personal information or id documents.
There quickly followed another email from the scammers
Sent: 27/01/26, at 14:50
From: "philip twinte" philiptwe@gmail.com
To: [Name and E-mail address redacted]
Subject: Re: GOOD NEWS UBA
This is to acknowledge the receipt of your email, your information received and your online account will be opened and user name and password will be sent to you ,but you have to pay a fee for the activation of the account before you can use it to transfer .
Thank you for your cooperation.
Sincerely,.
Yours Faithfully,
Joseph Mbulu
Chief Financial Officer and Executive Director
Notes: This is the introduction of the "advanced fee", how the scam takes place. You pay the advanced fee but the large amount of money promised is never released to you.
My reply:
Sent: 27/01/26 at 16:59
From: [Name and Email address redacted]
To: "philip twinte" philiptwe@gmail.com
Subject: Re: GOOD NEWS UBA
Hi Joseph Mbulu,
In the UK we are used to being able to open accounts without paying a fee. In some cases the banks actually pay you to transfer your account to them.
Can you provide details of the account you are opening, if you provide the web address for the online account it will enable me to evaluate the suitability of the account?
Can you also tell me how much the account activation fee is and how that should be paid?
Regards,
[Name redacted]
Notes; I am not too keen on paying a fee (I wont be paying any fee) so I give them a bit of work to do to convince me everything is genuine.
Sent: 28/01/26 at 8:27
From: "philip twinte" philiptwe@gmail.com
To: [Name and email address redacted]
Subject: Re: GOOD NEWS UBA
Dear [Name redacted],
This is to acknowledge the receipt of your email . A Foreign Currency Account allows you to make and accept payments in the currency you are doing business in and save on foreign exchange conversion costs by not having to buy or sell foreign exchange with every transaction.You are advise to make sure you are ready to accept the cost of the activation code before we can send the online information to you as soon as possible ,below are the information of the online account which we created for you on your behalf and the information cannot be use online until we get the activation code send to you and login online access It only takes 15 minutes to activate the power of your UBA banking account but you are going to activate the account before you can use it.
United bank for African (UBA)
Name : [Name redacted]
Account Number: 09289109221.
Swift Code: UNAFNGLA
Routing NO: 021000089
Password: 1976
Thank you for your cooperation.
Sincerely,.
Yours Faithfully,
Joseph Mbulu
Chief Financial Officer and Executive Director
Notes: Well I have got a bit more information but they are not letting me see the online account (fake if there is one) until I have paid the activation fee. They also wish me to commit to pay the activation fee before telling me what it is. I don't commit to anything!
I reply indicating that I am happy to pay a reasonable fee.
Further email from the scammers...
Sent: 28/01/26 at 10:48
From: "philip twinte" philiptwe@gmail.com
To: [Name and email address redacted]
Subject: Re: GOOD NEWS UBA
Dear [Name redacted],
This is to acknowledge the receipt of your email . the activation fee is $500 once is paid your online account will be activation code send to you and login online access It only takes 15 minutes to activate
Thank you for your cooperation.
Sincerely,.
Yours Faithfully,
Joseph Mbulu
Chief Financial Officer and Executive Director
Notes: US$500 a modest amount but the first of many requests for different administrative fees and if you multiple that by the number of people they are trying to scam at the same time then it could be a good earner. They have not told me how to pay so I will request that information and play the game a little longer. It will be good to discover how they intend to be paid.
The scammers quickly reply...
Sent: 28/01/26 at 13:30
From: "philip twinte" philiptwe@gmail.com
To: [Name redacted]
Subject: Re: GOOD NEWS UBA
Dear [Name redacted],
This is to acknowledge the receipt of your email,please see below the account details for the payment of the activation fee or by PayPal account also any of the two
BANK NAME;REVOLTU BANK
IBAN;LT60325004168522814
SWIFT CODE;REVOLT21XXX
BENEFICAIRY ;BAKI ADEDOLAPO SALAMI
OR
Trevisa1448@gmail.com
star serawop
family and friends
Thank you for your cooperation.
Sincerely,.
Yours Faithfully,
Joseph Mbulu
Chief Financial Officer and Executive Director
Notes: I think I will ask for an explanation as to why I am being asked to make a payment to a personal Revolut account or make use of Paypal. I am sure they are not the methods a genuine UBA Chief Financial Officer and Executive Director would ask for an "activation fee" to be paid. Any fee would be deduducted from the funds being deposited.
Sent: 29/01/26 at 10:30
From: [Name and email address redacted]
To: "philip twinte" philiptwe@gmail.com
Subject: Re: GOOD NEWS UBA
Dear Joseph Mbulu.
As you explained in your earlier email there is an activation fee of US$500 to open an online bank account with United Bank of Africa.
Please could you explain why you are requesting payment into the personal Revolut bank account of a person called BAKI ADEDOLAPO SALAMI or alternatively by Paypal to someone with a Gmail account Trevisa1448@gmail.com?
I am puzzled.
Regards,
[Name redacted]
We receive an explanation:
Sent: 29/01/26 at 14:02
From: "philip twinte" philiptwe@gmail.com
To: [Name and email address redacted]
Subject: Re: GOOD NEWS UBA
Dear [Name redacted],
This is to acknowledge the receipt of your email,if i ask you to send the fee to me directly by western union or uba bank account it will take time to receive it ,but if you send it to the two options i will get it the same day you make the payment that is the reason i give you the two options and also it is UK bank account it will be easy to get as well ,please how do you want it to be, are you ready to send it by western union money transfer or the account.
Thank you for your cooperation.
Sincerely,.
Yours Faithfully,
Joseph Mbulu
Chief Financial Officer and Executive Director
I reply...
Sent: 29/01/26 at 15:04
From: [Name and email address redacted]
To: "philip twinte" philiptwe@gmail.com
Subject: Re: GOOD NEWS UBA
Dear Joseph Mbulu,
Not happy sending money via the Revolut account or by Paypal.
Don't use Western Union. I really don't think that UBA receives activation fees via western union.
As you are creating an online account with UBA please provide the Bank's UBA account details. It would be helpful if you send me that information using your official UBA email address so that I know that you are not someone pretending to be
Joseph Mbulu
Chief Financial Officer and Executive Director
You see I have noticed that you have been corresponding with me using the email address of a philip twinte which is very puzzling.
Why do you not have a Joseph Mbulu email address?
So I look forward to receiving an email from...
Firstname.Lastname@ubagroup.com
ie joseph.mbulu@ubagroup.com
Regards,
[Name redacted]
Notes; So let's call out all the inconsistencies and see what they have to say.
This is their reply...
Sent: 29/01/26 at 16:33
From: "UBA BANK" transferdepartment@uba-bk-global.com
To: [Name and Email address redacted]
Subject: GOOD NEWS UBA
Dear [Name redacted],
This is to acknowledge the receipt of your email,please if you don't believe me then you stop the message with me here is the bank email and you don't want to pay the activation fee , is the IT department is going to activate the online account if you send the fee i will forward it to that department and it will activated so i will send the person incharge account to you.
Thank you for your cooperation.
Sincerely,.
Yours Faithfully,
Joseph Mbulu
Chief Financial Officer and Executive Director
Notes: Bold text accusing me of not believing them... any wonder. The Bank email address: uba-bk-global.com. The most unbelievable email address for a bank. The domain name uba-bk-global.com was registered on 1st April 2025, one year ago but very recent for a supposedly long established bank, there is also no website on the domain name.
Let's challenge them again...
Sent: 29/01/26 at 17:02
From: [Name and email address redacted]
To: "UBA BANK" transferdepartment@uba-bk-global.com
Subject: Re: GOOD NEWS UBA
Dear Joseph Mbulu,
The email you sent me is not from a genuine UBA email account.
I'll leave it up to you with regards to the activation of the account, but I won't be sending you any money.
Regards,
[Name redacted]
Final emails...
Sent: 02/02/26 at 8:56
From: "UBA BANK" transferdepartment@uba-bk-global.com
To: [Name and email address redacted]
Subject: Re: GOOD NEWS UBA
Your payment is cancel.
Sent: 02/02/26 at 9:04
From: [Name and email address redacted]
To: "UBA BANK" transferdepartment@uba-bk-global.com
Subject: Re: GOOD NEWS UBA
Seriously there was never a payment due.
It was just a scam.
Sent: 02/02/26 at 13:53
From: "UBA BANK" transferdepartment@uba-bk-global.com
To: [Name and email address redacted]
Subject: Re: GOOD NEWS UBA
Sir, there is a payment for you and is not scam ?
Sent: 03/02/26 at 8:25
From: [Name and email address redacted]
To: "UBA BANK" transferdepartment@uba-bk-global.com
Subject: Re: GOOD NEWS UBA
F.A.O. The Transfer Department, The fake UBA Bank.
Dear Transfer Department,
Have you never read up what you are undertaking... a 419 Advanced Fee Scam?
You tell the gullible that they are due a payment of I think it was US$180 million which does not exist.
Then you make a series of requests for various fees to access this money.
Your first request was for US$500.
What would have happened had I paid?
If there was genuine money due for me you would take any fees out of the money before sending the remainder to me.
Regards,
[Name redacted]
And to date that is the last I have heard from the "UBA Bank"
Recommendation
Unless you feel like engaging with the scammers being fully aware they are trying to scam you then just delete the email you have received.
Michael Fowler
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