Union Bank USSD Code


As a Union Bank user who wishes to experience easy banking and say goodbye to long queues and time-consuming banking transactions then it is time to embrace the Union Bank USSD code system. This USSD code provides customers with an easy banking system whereby all banking transactions can be carried out from the comfort of their homes on their mobile phones.

Union Bank USSD Code

The Union Bank USSD (Unstructured Supplementary Service Data) code, commonly referred to by its code *826#, is a mobile banking service provided by Union Bank of Nigeria to its customers.

This service allows Union Bank customers to perform a variety of banking transactions directly from their mobile phones without the need for internet connectivity.

It’s designed to provide convenience, accessibility, and speed for users, making banking services available 24/7.

Below is an in-depth analysis of the Union Bank USSD code, covering its features, benefits, limitations, and security aspects.

Services Offered by the Union Bank USSD Code

Below are the services offered by the Union Bank USSD code:

Account Opening

Customers can open a Union Bank account directly by dialing *826#.

Money Transfer

Allows for the transfer of funds to Union Bank and other bank accounts in Nigeria by dialing *826#.

Airtime Purchase

Users can buy airtime for themselves and others directly from their bank account by dialing *826#.

Bill Payments

It facilitates the payment of bills, including utilities, subscriptions, and other services by dialing *826#.

Balance Inquiry

Customers can check their account balance instantly by dialing *826#.

Mini Statement

Enables users to receive a mini statement via SMS, showing recent transactions by dialing *826#.

Card Management

Users can block and manage their debit cards, such as requesting a new card by dialing *826#.

Benefits of the Union Bank USSD Code

There are several benefits of the USSD code to customers, below are some of them:

  • Accessibility: The USSD code works on any mobile phone, not requiring a smartphone or internet connection.
  • Convenience: Banking services are available 24/7, including weekends and public holidays.
  • Speed: Transactions are completed almost instantly, saving customers time.
  • Ease of Use: The service is user-friendly, with simple menu options for conducting transactions.
  • Security: Transactions are protected by a PIN, adding a layer of security.

Limitations of the Union Bank USSD Code

The Union Bank USSD code has some limitations, below are some of them:

  • Transaction Limits: There are daily limits on the amount that can be transferred or withdrawn via USSD, which might not be sufficient for all users.
  • Network Dependency: The service depends on the mobile network’s availability and strength, which can affect transaction success.
  • Risk of USSD Fraud: Users need to be cautious of fraudsters and not share their PINs or sensitive information.


Are There Any Security Measures Put In Place By Union Bank For USSD Code Users?

Union Bank has implemented several security measures to protect users, they are listed below:

  • PIN Authentication: Transactions require a personal identification number (PIN) for authorization.
  • Encryption: USSD sessions are encrypted to protect data exchange between the mobile device and the bank’s servers.
  • Timed Sessions: USSD sessions have a short timeout period, reducing the risk of unauthorized access if a phone is left unattended.

Why Should I Use the Union Bank USSD Code?

The Union Bank USSD code *826# is a powerful tool for financial inclusion, enabling customers to perform banking transactions conveniently from anywhere at any time.

While it offers numerous benefits in terms of accessibility, convenience, and speed, users must be aware of its limitations and exercise caution to protect against fraud.

Union Bank continues to enhance its USSD service to address customer needs and security concerns, making it an essential service for its customers.

How Do I Register for Union Bank USSD Banking?

You can register by following the steps below:

  • Dial *826#
  • Follow the prompts to “register” or “Activate Mobile Banking”
  • Enter your account details
  • Create a pin
  • Confirm your pin