List of Union Bank USSD Code & Transfer Code (2024)

  • December 13, 2023

UNION BANK CODE: This post contains information about the Union Bank Ussd code and also the Union Bank transfer code. This includes what it is, how to register and activate it, the list of all the USSD codes for Union Bank’s various transactions, and lots more.

Union Bank, one of the leading commercial banks in Nigeria, offers a USSD code service that allows its customers to perform banking transactions from the comfort of their mobile phones.

This service has not only made banking more convenient but has also enhanced financial inclusion in Nigeria by reaching out to the unbanked and underbanked population. 

So, if you’re in need of the Union Bank code to send money, check balance, buy airtime, pay bills, or something else on your Union Bank account, join me and let’s explore this post together!

What is USSD?

USSD (Unstructured Supplementary Service Data) is a technology used by mobile network operators to send text messages between a mobile phone and an application server.

USSD codes are short, numeric codes that are used to perform specific tasks, such as checking your account balance or transferring money. USSD codes can be used on any type of mobile phone, without the need for an internet connection.

See Also: List of Access Bank USSD Code and Activation

What is the Union Bank USSD Code?

The USSD code for Union Bank transactions is *826#. With it, you can execute numerous banking activities like checking account balances, paying bills, and transferring funds using your mobile phone.

Firstly, you’ll need to register and activate the code. Once that is done, you use it to access a range of services, including:

  1. Opening an account
  2. Checking your account balance
  3. Transferring money to other Union Bank accounts
  4. Transferring money to other banks in Nigeria
  5. Recharging your phone
  6. Paying bills
  7. Buying airtime for yourself or others
  8. Checking your BVN

While this code can perform all these transactions, you need to activate it before it can be used.

How to Register & Activate Union Bank USSD Code

Here’s the step-by-step guide to activating the USSD code for Union Bank:

  1. Using the line/sim/phone number registered with your Union Bank Bank account dial *826# and select the appropriate option for activation.
  2. Enter the last digits on your Union Bank debit (ATM) card.
  3. Enter your Union Bank Account number
  4. Create your Union USSD PIN
  5. Enter and confirm the pin again to complete your USSD registration

Once all the steps above are completed, the transfer code for Union Bank will be activated on your phone. You can now use it for your banking transactions.

How to Use Union Bank Transfer Code

To use the USSD code for Union Bank, you will need to have a mobile phone with a SIM card registered with Union Bank, and already activated. Once you have these, follow these simple steps:

  1. Dial *826# on your mobile phone.
  2. Select the option that corresponds to the service you want to access.
  3. Follow the prompts to enter the required information, such as your account number and PIN.
  4. Confirm the transaction by entering your PIN again.
  5. Wait for a confirmation message from Union Bank, which will be sent to your phone number.

There are also shortcodes to perform quick and direct transactions on your Union Bank account. Check them out in the list below.

Related: List of USSD Codes for Loans in Nigeria

List of All Union Bank USSD Codes

Here is a list of the Union Bank code:

TransactionsUSSD Codes
Check Balance*826*4#
Transfer to Union Bank Account*826*1*Amount*Account Number#
Transfer to Other Banks*826*2*Amount*Account Number#
Airtime Recharge for Self*826*Amount#
Airtime Top Up Others*826*Amount*Phone Number#
Buy Data*826*9#
Pay Bills*826# > select bill payments
Retrieve BVN*565*0#
Request Loan*826*41#
Request ATM card*826*21#
Hotlist ATM Card*826*21#
Account Opening*826#
Deactivate Account Phone Number *826*6*Phone Number#
Increase Account Limit*826*8#
Locate a Union Bank Branch*826*19#
Data Capture After Register*826*3*Account Number#
Pay Merchant826*22*Merchantcode*Amount#
Unblock ATM Card*826*21#

Union Bank USSD Code for Checking Balance

*826*4# is the Union Bank code to check your account balance. Once dialed, enter your PIN, and the money you have left in your Union Bank account will be displayed on your screen.

Read Also: How to Activate FCMB USSD Code

Union Bank USSD Transfer Code

*826*1*Amount*Account Number# is the Union USSD code to transfer money from Union Bank to Union Bank. While the Union bank transfer code to other banks is *826*2*Amount*Account Number#. Once dialed, select recipient’s bank, and enter your PIN to authorize the transfer.

e.g if you want to send N3500 to 0333333330 (First Bank account number) simply dial *826*2*3500*0333333330#.

Union Bank USSD Code for Opening an Account

*826# is the USSD code for Union Bank account opening. After dialing, accept the mobile banking terms and continue following the prompts to create an account with Union Bank.

Union Bank Code for Buying Airtime

*826*Amount# is the Union Bank code to buy airtime for yourself (SIM linked with your Union Bank account). While *826*Amount*Phone Number# is the code to buy airtime for other numbers/sims.

E.g if you want to recharge N5000 for yourself, simply dial *826*5000# and your line will be credited with a N5000 recharge card. If you want to recharge another line 0909999910 (your other lines or for friends and/or family) with N5000, just dial, *826*400*09099999910#, then enter your PIN to authorize the transaction.

Related: How to Activate Zenith Bank USSD Code

Union Bank USSD Code for Withdrawal

*826*7*Amount# is the USSD code for Union Bank’s cardless withdrawal. Just dial the code and follow the prompts.

Union Bank USSD Code for Bill Payments

*826# is the Union Bank USSD code to pay bills (E.g, electricity, water, DSTV, GoTV, Startime, etc.). After dialing, select the pay bills option and proceed.

Union Bank BVN USSD Code

*565*0# is the Union Bank code to get/retrieve your BVN.

See Also: How to Use Opay USSD Code

Union Bank USSD Code to Block ATM Card

*826*21# is the USSD code to block your Union Bank ATM debit card. After dialing, select the “Hotlist Card” option.

USSD Union Bank Code to Block Account

*826*911# is the USSD code on Union Bank for deactivating your account. Just dial the code and follow the screen option.

Benefits of Using Union Bank Code

Using the Union Bank USSD code has several benefits, including:

  1. Convenience: With the USSD code, you can perform transactions from anywhere, at any time, using your mobile phone. You don’t need to visit a bank branch or ATM.
  2. Accessibility: The Union Bank USSD code is easy to use and accessible to all Union Bank customers who have registered for the service, regardless of their location or network provider.
  3. Speed: Transactions using the USSD code are usually processed instantly, allowing you to save time and complete transactions quickly.
  4. Security: The USSD code is a secure method of banking as it requires you to enter your PIN to confirm transactions, ensuring that your account is protected from unauthorized access.
  5. Cost-effective: The USSD code is a cost-effective method of banking as it attracts lower transaction charges compared to other banking methods such as ATM withdrawals or branch transactions.
  6. Wide range of services: With the Union USSD transfer code, you can access a wide range of services such as account balance inquiry, funds transfer, airtime recharge, bill payments, and more, making it a versatile banking solution.

Union Bank Code 2023 – FAQs

What is the new USSD code for Union Bank?

*826# is the new USSD code for Union Bank. This code can be used to perform any mobile banking transactions on a registered number.

How do I set up Union Bank mobile banking?

You can at up your Union Bank USSD mobile banking by simply dialing *826# using the phone number/line linked to your Union Bank bank account, and follow the prompts.

How can I check my Union Bank details?

You can check your Union Bank details on your phone by dialing *826*4#, then select option 4 and your Union Bank Bank details including your account balance, will appear on your screen.

How do I check my Union Bank USSD transaction history?

You can check your Union Bank USSD transaction history by simply dialing *826*4#.

What is the Union Bank Transfer Code to Other Banks?

*826*2*Amount*Account Number# is the Union Bank USSD transfer code to other banks.

Is there a charge for using the Union Bank USSD code?

Yes, there is a charge for using the Union Bank USSD code. The cost of using the USSD code varies depending on the service being used. However, the charges are generally lower than those for other banking methods.


Union Bank USSD codes are a convenient and secure way to Union Banking services in Nigeria. With the Union EazyBanking, customers can perform a variety of tasks, including checking their account balance, transferring money, and paying bills. Using the Union Bank code is easy and accessible, and it can save you time and money. If you have a mobile phone and a registered Union Bank account, you should consider using the USSD code to Union Banking services.