Have you ever been in a situation where you needed to send money urgently, but you had no data or internet connection? It is a common frustration, but the good news is that you can handle all your banking needs with a simple set of numbers on your phone. Whether you want to send cash to a loved one, pay for a quick meal, or check if your salary has landed, the uba transfer code is your reliable 24/7 companion.
In this guide, I will show you exactly how to use the uba ussd code for all your transactions. You will learn how to activate your profile, set up your uba transfer pin, and move money to any bank in Nigeria without ever stepping into a banking hall.
What is the UBA Transfer Code?
The uba bank transfer code is *919#. This service, often called “Magic Banking,” allows UBA customers to perform financial transactions directly from their mobile phones. The best part is that it does not require a smartphone or an internet connection; it works on any basic mobile phone.
By dialing the ussd code for uba, you gain access to a menu that handles everything from airtime top-ups to bill payments. It is secured by a 4-digit PIN that you create yourself, ensuring that only you can authorize movement from your account.
Why Use the UBA USSD Code?
Using the uba ussd transfer code comes with several benefits that make it better than visiting a branch:
- Speed: Transactions happen in seconds.
- Convenience: You can bank from your bed, office, or even in the middle of a market.
- No Data Required: It uses GSM signals, so you don’t need a data plan.
- Availability: It works 24 hours a day, 7 days a week, including public holidays.
How to Activate the UBA Transfer Code
Before you can send money, you must register your phone number on the USSD platform. This process is simple and can be done in two ways depending on whether you have a UBA Debit card (ATM card) or just your account number.
Step-by-Step Activation (With or Without ATM Card)
- Dial *919# from the phone number linked to your UBA account.
- You will see a welcome message. Select the option to Register.
- Choose your preferred registration method: With Account Number or With UBA Prepaid Card.
- If you choose Account Number, enter your 10-digit NUBAN account number.
- Follow the prompts to create your uba transfer pin.
- Confirm your PIN and wait for the “Success” notification.
Your uba transfer pin is a secret 4-digit number. Avoid using easy-to-guess sequences like 1234 or your birth year. This PIN is what protects your money from unauthorized access.
Complete List of UBA USSD Codes for 2025
To make your life easier, I have compiled a table of the most important uba ussd codes you will need for your daily transactions.
| Service Description | USSD Code to Dial |
|---|---|
| Main Menu / General Services | *919# |
| Check Account Balance | *919*00# |
| Transfer to UBA Account | *919*3*Account Number*Amount# |
| Transfer to Other Banks | *919*4*Account Number*Amount# |
| Buy Airtime for Self | *919*Amount# |
| Buy Airtime for Others | *919*Phone Number*Amount# |
| Buy Data for Self | *919*14# |
| Pay Utility Bills (DSTV, etc.) | *919*5# |
| Retrieve BVN | *919*18# |
| Cardless Withdrawal (ATM) | *919*30*Amount# |
| Block Account (Security) | *919*911# |
If you need more on banking USSD code, check my post on all Nigerian bank USSD code here
How to Transfer Money from UBA to Other Banks
If you want to send money to a friend who uses a different bank, like GTBank, Zenith, or even a Fintech like Opay or Kuda, follow these steps using the uba ussd code for transfer.
- Dial the String: Dial *919*4*Account Number*Amount# (for example, *919*4*0123456789*5000#).
- Select Bank: A list of Nigerian banks will appear. Choose the number corresponding to the recipient’s bank.
- Confirm Details: The name of the account holder will be displayed. Always verify the name before proceeding to ensure it is correct.
- Enter PIN: Input your secret 4-digit uba transfer pin.
- Completion: You will receive an SMS confirmation if the transaction is successful.
For transfers to other UBA accounts, the process is even faster. Simply dial *919*3*Account Number*Amount# and follow the same confirmation steps.
Managing Your UBA Transfer PIN
What happens if you forget your PIN or feel it has been compromised? You don’t need to visit the bank. You can manage your security settings directly from the ussd code for uba bank.
How to Reset Your UBA Transfer PIN
- Dial *919# on your registered line.
- Navigate to the PIN Setup or Next Page option.
- Select Reset PIN.
- Follow the security prompts to verify your identity.
- Create and confirm your new 4-digit PIN.
If you are locked out after three wrong attempts, you may need to contact the official UBA Customer Care or use the mobile app to unlock your profile.
Transaction Charges and Limits
While the uba code to transfer money is convenient, it is important to know the costs and limits associated with the service. This helps you plan your spending better.
Charges to Keep in Mind:
- USSD Session Fee: There is a standard N6.98 charge per session charged by your network provider.
- Transfer Fee: Sending money to other banks usually attracts a small fee of N10 to N50.
- Balance Inquiry: Checking your balance currently costs N10 per request.
Daily Limits:
To protect your account from fraud, UBA sets a default limit for USSD transactions. The standard limit is N20,000 per transaction and N100,000 per day. If you need to send more than this, you will need a Secure Pass or you can increase your limit by visiting a branch.
Security Tips for UBA USSD Banking
Banking on your phone is safe, but you must stay vigilant. Fraudsters often use social engineering to trick people into revealing their details. Never share your uba transfer pin with anyone, including people claiming to be bank staff.
UBA staff will never ask for your PIN, OTP, or password over the phone or via email. If you lose your phone or suspect your SIM card has been swapped, immediately dial *919*911# from any other phone to block your account and protect your funds.
Also, always ensure you are using the official United Bank for Africa channels. If you prefer a more visual experience, you can download the UBA Mobile App from the Google Play Store or the Apple App Store.
Frequently Asked Questions
Can I use the UBA transfer code without an ATM card?
Yes, you can. When registering by dialing *919#, simply select the option to register with your Account Number instead of with a card. You will need to provide some personal details to verify you are the account owner.
What is the code to check my UBA account balance?
The quick code to check your balance is *919*00#. You will be asked to enter your PIN before your balance is displayed on your screen.
How do I buy data with UBA USSD?
To buy data for yourself, dial *919*14#. If you want to buy for a friend or another line, follow the menu prompts after dialing the main *919# code.
What should I do if my transfer fails but I was debited?
Most failed transactions are reversed automatically within 24 hours. If the money is not returned to your account after a day, you should lodge a complaint via UBA’s official customer service channels or visit the nearest branch.
Is there a specific code for UBA to Opay or PalmPay transfers?
No, there is no separate code. You use the general uba code for transfer to other bank which is *919*4*. After entering the account number and amount, you will select Opay or PalmPay from the list of banks provided.
How can I retrieve my BVN using the UBA code?
Simply dial *919*18# from your registered phone number. A small fee of N20 usually applies for this service as per NCC regulations. Learn more on how to check bvn code here
Final Thoughts
The uba transfer code is a powerful tool that puts a full bank branch right in your pocket. By mastering *919#, you save yourself hours of waiting in line and gain the freedom to manage your money on your own terms. Whether it is a midnight emergency or a quick airtime top-up, your “Magic Banking” code is always ready to serve you.
