Union Bank Transfer Codes In Nigeria

Union Bank Transfer Codes In Nigeria

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Are you searching for Union Bank transfer code?

Union Bank, one of the leading and oldest banking institutions in Nigeria, and other major banks have upped their game in the past few years towards providing quality banking through advancements in technology, easing banking operations.

By just dialing a simple code, you can make plenty of banking transactions at once. Unlike mobile banking, which requires that you have data on your phone, you can perform transactions offline.

Some of the transactions you can do with a Union Bank USSD code include:

  • Inter- or intra-bank transfer
  • Purchase airtime/data
  • Change ATM pin
  • Pay utility bills
  • Cardless withdrawal
  • Check your account balance, etc.

What is Union Bank transfer code?

Union Bank transfer code is mostly used when sending money from your account to another account. The general code for making all USSD transactions is *826#.

Pros And Cons Of Using Union Bank USSD/ transfer Code


  • Offline payment and transfers
  • Ease of banking transactions
  • 24/7 available banking services
  • Pay bills at once and fast
  • Open a Union Bank account at your convenience.


  • Failed transactions can happen due to network issues or glitches
  • Sometimes, the network suffers downtime.

How To Activate Union Bank Transfer Code

If you are a new Union Bank customer or have yet to start using Union Bank Transfer or USSD codes for your banking transactions, then follow the steps below to activate Union Bank Transfer codes:

  • Dial *826#
  • Reply with 1 to activate mobile banking
  • Input your Union bank account number (10 digits)
  • Then you will be asked to input the last 6 digits of your ATM card
  • Now, type in your new preferred 4 digits pin
  • Confirm your new pin
  • You will be sent a text indicating success in activating the service.
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How To Send Money To A Union Bank Account With USSD/Transfer code

  • Dial *826#
  • Accept N6.98 transaction fees to continue
  • Reply with 1, which represents a transfer to a Union bank account
  • Input your pin (4 digits)
  • Now, input the recipient’s account number
  • Type in the amount you want to transfer
  • Confirm the account name and the amount


How To Send Money To Another Bank With Union Bank’s USSD/Transfer Code

  • Dial *826#
  • Accept N6.98 transaction fees to continue
  • Reply with 1, which represents a transfer to other banks
  • Input your pin (4 digits)
  • Type in the recipient’s account number
  • Select the recipient’s bank name
  • Input the amount you want to transfer
  • Confirm the account details and amount
  • Click to continue
  • You will receive a debit alert notification indicating that the transfer was successful.

How To Check Account Balance With Union Bank USSD/Transfer Code

With Union Bank USSD codes, you can check your account balance from anywhere on your mobile phone in just a few steps.

  • Dial *826#
  • Accept N6.98 transaction fees to continue
  • Reply with 4, which represents checking account balance
  • Input your pin (4 digits)
  • Your balance will be displayed instantly
  • Also, you did get a text message showing your account balance.

Note: Account balance checking using USSD codes costs a token.

How To Buy Airtime With Union Bank USSD Code (yourself)

  • Dial *826*amount#
  • Input your pin (4 digits).

For third parties

  • Dial *826*amount*recipient phone number#
  • Input your pin (4 digits).

Other Union Bank USSD Codes And Their Use

N/b: You are requested to input your 4-digit pin after dialing the codes.


Purchase data: *826*9#.

Request a debit card: *826*21#.

Make cardless withdrawals: *826*7*amount#

Locate the nearest Union Bank branch: *826*19#.

Block and unblock your debit card: *826*21#

Pay merchants: *826*22*merchant code* amount#

Block your account number from your phone number: *826*6#.

Block your account from other phone numbers: *826*6*phone number#

Loan request: *826*41#

Increase transaction limits by -*826*8#.

What is Union Bank transfer code?

Union bank transfer/USSD code is *826#.

How much does it cost to activate a Union Bank transfer code?

Activation of USD transactions costs zero naira. It’s free!

Why is Union Bank charging me N6.98 for transactions?

The N6.98 transaction charge is for the network service providers and not for Union Bank. So anytime you make a transaction with USSD codes, you are charged that amount, which is later sent to the network providers by Union Bank.

How do I avoid getting charged N6.98 for transactions?

First, you are only charged the amount if you are making bank transfers or paying bills with a USSD code, while you aren’t charged anything for airtime or data purchases. If you don’t want to get charged the amount, then consider using other Union Bank banking options like ATM points, POS, mobile banking, and internet banking.

Bottom Line

Union Bank, in line with their agenda of making banking easy for their numerous customers using the latest technology, introduced USSD banking a few years ago. Union Bank customers can now make instant banking transactions by dialing *826#.

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