How to Transfer Money from Union Bank using the USSD Code


The Nigerian banking industry has witnessed a significant transformation in recent years, with the introduction of USSD codes by almost all banks in the nation. These codes have made it possible for customers to perform various banking transactions while on the go.

How to transfer money from Union Bank using the USSD code

Union Bank, being one of the pioneers in the industry, understands the importance of offering such services to its customers. As a result, the bank launched its transfer code some years back, giving users the ability to perform a wide range of transactions that would typically require a visit to the bank, such as paying bills, buying airtime, transferring funds, and more.

In this article, we will how to transfer money from Union Bank using the USSD code and its significance. You will learn about some of the most useful features of the transfer code and the exact steps to follow using your mobile phone.

Union Bank USSD Code

Union Bank has introduced a USSD code for its consumers, known as the Union Bank transfer code. This code allows you to access financial services without physically visiting the bank and is compatible with all smartphone models. It doesn’t even require an internet connection to function, making it an extremely convenient option for users.

With the Union Bank transfer code, you can perform a range of activities such as paying bills, buying airtime, transferring money, and checking your balance. Rest assured that the code is secure, as it is only accessible through the phone number linked to your account, ensuring that your financial information is kept confidential.

To use the Union Bank transfer code, you need a working phone, a Union Bank account, and your account number. Additionally, you must be the legitimate owner of the account to access the USSD functionalities. By utilizing the Union Bank transfer code, you can manage your finances with ease and convenience.

How to Transfer Money Using the Union Bank USSD Code

The term “transfer code” refers to a system that facilitates the transfer of money from one account to another. In Nigeria, this system is commonly referred to as the “Union Bank transfer code” because it is popularly used for financial transactions across the country.

To transfer money using the USSD code, the recipient must have a bank account with any Nigerian bank that has a 10-digit NUBAN account number, and not necessarily with Union Bank. If you are new to Union Bank’s USSD code, you can initiate a transfer by dialing *826# and following the instructions to link your account to your phone for seamless transactions.

On the other hand, if you have already set up USSD banking on your SIM card, you can simply dial *826*Amount*Account Number# to transfer the exact amount to the designated account number. Unlike other banks where multiple menu pages may be required to complete a transfer, Union Bank’s transfer code is relatively user-friendly, making it easy for customers to transfer money conveniently.

How to activate Union Bank transfer codes

If you’re a Union Bank customer and would like to activate the bank’s USSD code, you can simply follow these easy steps.

  • Firstly, dial *826*5# on your mobile phone.
  • follow the instructions that appear on your screen.
  • You’ll be asked to input either your ATM card number or bank account number.
  • After that, you’ll need to create a four-digit PIN that you’ll use to confirm your transactions.
  • Finally, complete the activation process and you’ll have successfully activated your USSD code.


As new and improved financial technology has been introduced over time, banking has become a lot easier. The USSD concept is not novel or inventive, but it did become quite popular since it was easily available.

I have shown in this post how to use your Union Bank account’s transfer code to conduct inexpensive financial transactions. Additionally, I offered substitute techniques to employ in situations when utilizing the USSD banking option would be counterproductive.

Frequently Asked Questions

How can I use my USSD code to check my Union Bank balance?

By utilizing the Union Bank mobile app or the Union Bank balance code *826*4#, you may easily find out how much money is in your Union Bank account.

How can I activate mobile banking?

Select ‘Registration’ under cellphone Banking, provide your cellphone number, then select “Yes.” Select “confirm” when the number appears on the ATM screen once more, then take out the transaction slip verifying your registration. An SMS about your account activation will be sent to you.

How can I make my Union Bank account operate?

To activate your Union Bank mobile banking, dial *826# from your registered mobile phone and select the first option.