Union Bank (UBN) Transfer Code | How To Transfer Money, Buy Airtime, Check Balance, Pay Bills And Others via USSD Code [Updated]

Latest update on Union Bank Transfer Code: This post will focus on everything you need to know on how you can successfully transfer money from Union Bank (UBN) to another bank, check your account balance, recharge card, pay bills and other functions Via UBN USSD Code Method. it’s very fast and easy, Continue reading for more Details (guideline and Institution) below:

Union Bank

Union Bank of Nigeria (“UBN”) was established in 1917 and is one of Nigeria’s long-standing financial institutions, offering a portfolio of banking services to individuals, SMEs, commercial and corporate clients. It was licensed by the Central Bank of Nigeria (CBN) the national banking regulator. Headquartered in Lagos, Nigeria.

How to Transfer Money from Union Bank Via USSD Code

Do you want to transfer money from your UBN account to another bank using the Union Bank transfer code? If yes, then this article is exactly what you need.

What is Mobile Banking?

Mobile banking or USSD banking is just a way of completing all your bank transactions from the comforts of your home, using your mobile phone.

Mobile banking has been at its best in Nigeria. Happily, Nigerian banks have embraced it very well. It is fast, proficient, and smart.

Mobile banking has gotten to a point of its simplicity, bringing all your bank commands to one place, where you can make transfers, check account balance and carry out other transactions.

Union Bank Transfer USSD Code

The Union Bank (UBN) transfer code is *826#. You can access this code from any network.  Note that you can only use your registered phone number with the bank to access the *826# services.

Features And Benefits Of Using Union Bank Transfer Code

Below contains the list and features of using UBN USSD codes:

  • Quick access
  • Convenient
  • Secure
  • It is the easy way of Banking
  • You don’t need an internet connection
  • Available 24/7
  • You can transfer money to other banks
  • Check balance
  • Buy Airtime & Data
  • Card management
  • Perform cardless withdrawal
  • You can pay bills and lots more

Note: Before you can make use of mobile banking or USSD banking, you need to complete the registration

Requirements To Register For The Union Bank USSD Code

The following are what you need before you can use the transfer code:

  1. An active bank account with Union Bank Nigeria Limited.
  2. Mobile number.
  3. Link your phone number to your bank account.
  4. Mobile phone.
  5. Link your debit card to your UBN account.
  6. Your phone must also be profiled for SMS alert.

How To Activate/Register For Union Bank Transfer Code

  • Dial *826# on the phone number linked to your Union Bank account.
  • On the next screen, you will see a lot of options.
  • Choose the appropriate option to continue the activation.
  • Enter your bank account number you want to link.
  • Set up a four(4) digits secret PIN you will use for transactions.
  • Complete the activation process.

Note: Please it is advisable to use a transfer PIN that you can easily remember.

Union Bank Transfer Short Codes

Check balance *826*4#
Airtime purchase (self) *826*Amount#
Airtime Purchase – (third party) *826*Amount*3rd party mobile No#
Transfers to UBN account *826*1*Amount*Account No#
Transfers to Non UBN bank accounts *826*2*Amount*Account no#
Bills payment *826*28*amount*userID#
Data capture after enrolment *826*3*account no#
Card management (block and unblock card) *826*21#
Cardless withdrawal *826*7*amount#
Limit increase *826*8#
Data purchase *826*9*amount#
Mcash *826*22*merchantcode*amount#

Union Bank Transfer Code

How To Transfer Money To Other Union Bank Account Holders Via USSD Code

To transfer money from Union bank to another Union Bank account, Simply dial *826*1*amount*account number# (E.g; *826*1*10000*1234512345#) and enter your transfer pin to complete this transaction.


  • Dial *826# on the mobile phone number registered with UBN
  • Then select option one (1)
  • Follow instructions on the screen to complete your transaction

Please make sure you enter beneficiary details correctly. Mistake might result to error in transaction or sending money to wrong receiver.

How To Transfer Money From Union Bank To Other Banks Via USSD Code

To transfer money from Union Bank to other banks, just dial *826*2*amount*account number# E.g; *826*2*4000*1234512345#. After dialing the code, enter your transfer pin to authorize the transaction.


  • Simply dial *826#
  • Select transfer to other banks
  • Then follow the procedures on screen to finish your transaction.

To confirm that the transaction was successful, you will see a pop-up message on your phone screen and SMS notification will be sent automatically to your registered phone number with the Bank.

Union Bank Transfer Service Charges

The charge for fund transfer to other banks is ₦52.50 per transaction. It is free to another UBN account.

USSD Code To Buy Airtime From Union Bank – Self Recharge

If you want to purchase airtime from your bank account to your own number, then follow the step below:

For self recharge dial *826*Amount# (for example, *826*500#, to buy 500 naira airtime for your mobile number registered with UBN account).

How To Recharge For Others Using Union Bank Recharge Code

This method is used when you want to recharge any phone number not registered with UBN Bank.

To Top Up for others, dial *826*Amount*Phone Number# on your phone (e.g. *826*200*08012345678#) to buy Airtime for your family and friends.

Once your transaction is successful, your desires phone number will be credited with the amount of credit you entered.

How To Purchase Or Buy Data Using Union Bank USSD Code

simply dial; *826*9*amount# on your mobile phone and follow the on-screen prompts

Union Bank USSD Code Transactions Daily Limit

  • Daily transfer limit is N200,000 (Two hundred thousand Naira).
  • Daily transaction limit on Airtime top-up is N20,000.00 (Twenty thousand Naira).

How To Increase / Limit Transactions Using Union Bank USSD Code

Do you want to increase or limit your transactions? If yes, Then dial; *826*8# on your mobile phone and follow the on-screen prompts to complete the process.

How To Pay Bills Using Union Bank USSD Code

Dail *826*28*amount*userID# on your phone and follow the instructions that prompt up on your phone screen.

How To Use Union Bank USSD Code To Perform Cardless Withdrawal

If you want to withdraw money from UBN account without using atm credit card, Simply dail *826*7*amount# on your registered phone number to carry out cardless withdrawals.

How To Check Union Bank Account Balance

  • Simply dial; *826*4# on a mobile phone number linked to your account.
  • Enter the last 4 digits on your debit card or your USSD banking PIN to confirm your transaction.


  • Text Bal to 20123 via SMS on your mobile phone

After completing the above steps, you’ll receive a message notifying you of how much you have in your account.

How To Block And Unblock Your ATM Card Using Union Bank USSD Code

To block or unlock your UBN atm card, just dial; *826*21# with your mobile number registered with Union Bank and follow the instructions that prompt up on your phone screen

N/B; You can enjoy other service’s by dialing *826# and choose your preferred option.

Thanks for reading!!!

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