Banking has become easier with the introduction of USSD services in Nigeria. Union Bank offers a reliable and convenient USSD code, *826#, that will allow you as a customers to perform banking transactions from your mobile phones without an internet connection. This is USSD code is what you need whether you want to check your account balance, transfer your money, buy airtime, or pay bills, the Union Bank USSD code makes it possible in seconds.
Today I`ill cover everything you need to know about the Union Bank USSD transfer code, including how to register, the full list of codes, charges, security tips, troubleshooting, and frequently asked questions.
What is the Union Bank USSD Code?
The Union Bank USSD code *826# is a short code that enables customers to perform banking transactions directly from their mobile phones. It works on any phone, it doesn’t matter if it a smartphone or a basic feature phone, using this code does not require an internet connection to perform any transactions
With *826#, you can:
- Check your account balance
- Transfer money to any bank in Nigeria
- Buy airtime and data
- Pay bills (electricity, TV subscriptions, etc.)
- Apply for a loan
- Block your ATM card
- And much more
The service is available 24/7, allowing you to perform transactions anytime, anywhere.
How to Activate Union Bank USSD Code
before you can use the *826# service, you must activate your phone number with your Union Bank account. To activate follow these steps:
- Dial *826# on your registered phone.
- Follow the on-screen instructions.
- Enter your Union Bank account number.
- Create a 5-digit transaction PIN for security.
- Confirm your registration.
Once registered, you can start using USSD banking immediately. If you do not have an ATM card, visit a Union Bank branch to complete your registration.
All Union Bank Code
| Service | USSD Code |
|---|---|
| Check balance | *826*4# |
| Buy airtime for yourself | *826*Amount# |
| Buy airtime for others | *826*Amount*3rd party mobile No# |
| Transfer money to Union Bank | *826*1*Amount*Account No# |
| Transfer money to other banks | *826*2*Amount*Account no# |
| Cardless withdrawal | *826*7*Amount# |
| Locate a branch/Union Direct Agent | *826*19# |
| Request a debit card | *826*21# |
| Request a loan | *826*41# |
| Data purchase | *826*9# |
| Pay merchants (mCash) | *826*22*Merchant Code*Amount# |
| Data capture after enrolment | *826*3*Account No# |
| Card management (block and unblock card) | *826*21# |
| Limit increase | *826*8# |
| Block your account from your phone number | *826*6# |
| Block your account from other phone numbers | Not specified |
How To Use Union Bank USSD Code
Here is a breakdown of the most important Union Bank USSD codes and how to use these USSD to perform banking transactions.
Account Management
How to Check account balance for Union bank
The union bank USSD to check balance is *826*4#. To check your account balance, Dial *826*4# your account balance will be displayed on your screen
How do i Get a mini statement for Union bank
If you want to get your mini statement on your phone, dial *826*5# your recent transactions will be displayed for you.
How do I Reset my PIN for Union bank
Should incase you need to reset your PIN just dial *826*6# and you are good to go.
How to Open a new Union Bank account:
If you want to open a Union bank account dial *826*1# and provide the necessary informations and you are good to go.
Money Transfers
How to Transfer Money to Union Bank accounts
Union bank ussd code for transfer is *826#. Incase you want to transfer money to someone using Union bank dial *826*1*Amount*AccountNumber#, then follow the on screen prompt to complete the tranfer.
How can I transfer Money from Union Bank to other banks
On the other hand if the person you want to make transfer to is using another bank, dial *826*2*Amount*AccountNumber#
Airtime & Data Purchases
Union bank USSD Code to Buy airtime for yourself:
To buy airtime for yourself, just dial *826*Amount#
Union Bank USSD Code to Buy airtime for others:
If you want to buy airtime for maybe your friends or to another number apart from the number you have registered you bank account with dial *826*Amount*PhoneNumber#
Union Bank USSD Code to Buy data bundles:
You can also buy data bundle with Unoin bank code dial *826*9# and select the data bundle you wish to buy, follow the on screem prompt to complete the purchase
Union Bank USSD Code to Bill inn Nigeria
Pay utility bills (electricity, TV, etc.): If you want to pay for your electricity, waste bin, tv subscription etc dial *826*7*Amount*BillerCode# after follow the on screen prompt and you are good to go.
Union Bank USSD Code Loan
Apply for a Union Bank loan: Actualy some people don’t know thatntheybcan get loan from union bank. To get loan dial *826*41#
Security & Account Protection
Ussd Code to Block Union bank ATM card:
You can block your ATM card if you misplace your card, how to block union bank atm card, just dial *826*21# from your phone number linked ton your account
Union bank ussd code to link Bvn Link Code:
To link your BVN to your account dial *826*23# and follow the onscreen prompt
How to get Union bank cheque book:
Dial *826*8# to request a cheque book from your bank.
Benefits of Using Union Bank USSD Banking
There are many benefit attached to using union bank ussd code *826# to perform banking transactions on your phone this advantage includes:
1. Works Without Internet
Unlike mobile apps, USSD banking does not require an internet connection, making it accessible to everyone.
2. Fast & Convenient
Using ussd code is fast and also convenient, performing transactions take just a few seconds, saving you time.
3. Available 24/7
ussd service is available at any time of the day you can perform transactions anytime, even on weekends and public holidays.
4. Secure & Reliable
Ussd banking is secured and reliable, each transaction perform requires a PIN for authorization thereby ensuring security.
5. Supports All Mobile Phones
You can use ussd service on any phone be it you are using a smartphone or a basic feature phone, you can still use union bank USSD code *826# effortlessly.
6. Helps in Emergencies
In a situation your ATM card got stolen, you can block it instantly by dialing *826*21# and follow the instructions on the screen
Union Bank USSD Charges & Fees
Union Bank USSD transactions come with certain charges. Here’s what you should know about charges when transferring funds, paying bills, etc:
- ₦6.98 per session (charged by mobile network providers)
- Transfer to Union Bank accounts: Free
- Transfer to other banks: ₦10 – ₦50, depending on the amount
- Bill payments: Charges vary based on the service provider
- Airtime purchase: No extra charges
These charges are deducted from your account balance or airtime.
How to Apply for a Union Bank Loan Using USSD
Union Bank allows you to borrow loans using USSD. Follow these steps:
- Dial *826*41# on your registered phone.
- Follow the instructions on the screen.
- Enter the loan amount and confirm.
- If eligible, the money will be credited to your account instantly.
Ensure you meet the eligibility criteria before applying.
Security Tips for Using Union Bank USSD Code
To protect your account, follow these security guidelines:
- Never share your PIN with anyone.
- Always dial *826# from your registered phone number.
- If your phone is lost or stolen, block your account immediately by dialing *826a*21#.
- Beware of fraudster who ask for your banking details.
- Regularly update your PIN for added security.
Troubleshooting Common USSD Issues
1. Union Bank USSD Code Not Working?
Any time you get a message on your screen “ussd code not working Try these solutions:
- Ensure your phone number is linked to your Union Bank account.
- Check if you have enough airtime (₦6.98 is required per session).
- Ensure you have a good network signal.
2. Transaction Failed But I Was Debited
- Wait for 24 to 48 hours for a reversal.
- If the money is not refunded, contact Union Bank customer support.
3. Forgot My USSD PIN
- If you have forgotten you PIN dial *826*5# and follow the instructions to reset your PIN.
4. Getting “Connection Error” or “MMI Code Invalid” Message
- This may be due to poor network coverage in your area. if this happens try again later.
- Restart your phone and dial the code again.
Union Bank USSD vs UnionMobile App – Which One Should You Use?
Union Bank offers both USSD and mobile app banking. Here’s a comparison:
| Feature | USSD Banking (*826#) | UnionMobile App |
|---|---|---|
| Internet Required? | No | Yes |
| Works on Feature Phones? | Yes | No |
| Speed | Fast | Slightly slower |
| Security | Secure but limited | More security features |
| Transaction Limit | ₦200,000 per day | Higher limits |
If you don’t have a smartphone or internet access, USSD is the best option. However, if you want advanced features, use the UnionMobile app.
Conclusion
Union Bank’s *826# USSD service provides a fast, easy, and secure way to manage your banking needs. With just a few dialed numbers, you can check your balance, transfer money, buy airtime, pay bills, and even apply for a loan.
If you ever experience issues, follow the troubleshooting tips or contact Union Bank customer service for help. Always keep your PIN safe to avoid fraud.
Start using Union Bank USSD banking today for hassle-free transactions today
Questions About Union Bank USSD Code
What is the Union Bank USSD code, and how does it work?
The Union Bank USSD code is *826#. It allows customers to perform banking transactions using their mobile phones without an internet connection.
Who can use the Union Bank USSD service?
Union Bank customers with a registered mobile number linked to their account can use the service.
Do I need an internet connection to use *826#?
No, USSD banking works without internet access.
Is the USSD service available 24/7?
Yes, you can use it anytime.
Can I use the Union Bank USSD code outside Nigeria?
No, it only works on Nigerian mobile networks.
Registration & Activation Questions
How To I Activate Union Bank Transfer Code?
To activate union bank transfer code dial *826#, follow the prompts, enter your account details, and create a PIN.
Can I use Union Bank USSD Code without an ATM card?
Yes you can use union bank ussd code without an ATM card, but registration may require additional verification at a Union Bank branch.
How do I create or reset my transaction PIN?
Dial 8265# and follow the instructions.
What should I do if I get an error message while Activating?
Ensure your phone number is linked to your account. If the issue persists, visit a Union Bank branch.
How do I know if my USSD banking is active?
Try dialing *826# and performing a simple transaction like checking your balance.
Transaction & Banking Services
How do I check my Union Bank account balance using USSD?
Dial 8264# and enter your PIN.
What is the Union Bank USSD Code for Transfer to Other Banks?
Union bank ussd code to transfer to other banks is dial *826*2*Amount*AccountNumber# and confirm with your PIN.
Can I send money to international accounts using *826#?
No, USSD transfers only work within Nigeria.
What is Union Bank USSD Code buy airtime for myself and others?
- To buy airtime for yourself: Dial *826*Amount#
- If you want to buy airtime for others: Dial *826*Amount*PhoneNumber#
What is the maximum amount I can transfer per day using USSD?
The limit you can transfer per day is ₦200,000 per day for transfers.
Can I pay utility bills (electricity, water, TV subscriptions) via USSD?
Yes, to pay utility bills dial *826*7*Amount*BillerCode# to pay bills.
How do I generate a mini statement with USSD?
To generate mini statement dial *826*5#, you get a brief account statement.
What USSD code can I use to open a new Union Bank account?
To open a union bank account dial *826*1# and follow the instructions.
Can I request a cheque book or bank statement using USSD?
Yes you can, dial *826*8# to request a cheque book.
How do I apply for a Union Bank loan using USSD?
If you want to apply for a loan dial *826*41# and follow the prompts.
Security & Fraud Prevention
How secure is Union Bank’s USSD service?
Union Ussd is secure as long as you do not share your PIN with anyone.
What should I do if I suspect unauthorized transactions on my account?
Dial *826*21# to block your account and contact Union Bank immediately if you suspect an unauthorized transaction on your account.
How do I block my Union Bank ATM card using USSD?
As earlier stated dial *826*21# and follow the instruction on your screen.
What should I do if I forget my USSD PIN?
If you forgot your PIN dial *826*5# and reset your PIN.
How can I unblock my Union Bank USSD service?
Visit a Union Bank branch or call customer support to unblock your account.
Can fraudster steal my money using USSD banking?
The only reason fraudster can steal your money if they know your PIN. Never share your PIN with anyone.
How to Increase Transfer Limit on Union Bank USSD Code?
The bank sets a limit of ₦200,000 per day, which cannot be changed via USSD.
Charges & Fees
How much does Union Bank charge per USSD transaction?
Each charges per transaction costs ₦6.98, plus other transaction fees.
Why am I charged N6.98 for using 826#?
This is a mandatory charge by network providers for USSD banking.
Are there extra fees for using USSD at night or on weekends?
No extra charges, charges remain the same.
Does Union Bank charge differently for transfers to other banks?
Yes, interbank transfers cost more than transfers within Union Bank.
Is there a way to reduce USSD transaction charges?
No, the charges are fixed.
Troubleshooting & Common Issues
Why is my Union Bank USSD code not working?
Ensure your mobile number is linked to your account and you have enough airtime.
How can I fix a failed transaction when using Union Bank Code?
Check your balance, ensure the recipient’s details are correct, and try again.
What should I do if I get debited but the transaction fails?
Wait for a reversal within 24 hours, or contact Union Bank if the issue persists.
How long does it take for a failed USSD transaction to be reversed?
It usually takes between 24 to 48 hours.
Why am I getting a “Connection Error” or “MMI Code Invalid” message?
This may be due to poor network coverage. Try again later.
How do I check if my phone number is linked to my Union Bank account?
Dial *826# and try a basic transaction. If it fails, visit a Union Bank branch.
UnionMobile App vs USSD Banking
What are the differences between Union Bank USSD banking and the UnionMobile app?
The USSD service works on any phone without internet, while the app requires a smartphone and internet.
Which one is safer: USSD banking or mobile banking?
The mobile app has more security features, but both are safe when used properly.
Can I use both USSD and the UnionMobile app on the same account?
Yes, you can use both services.
Which option is better for people in rural areas with poor network coverage?
USSD banking is better because it does not require internet.
If my phone gets stolen, can someone access my Union Bank account through USSD?
Only if they know your PIN. Block your account immediately by dialing 82621#.
Other Related Banking Services
How do I check my Union Bank BVN?
To check union bank BVN dial *565*0# (network charges apply).
Can I update my phone number or email via USSD?
No, visit a Union Bank branch for updates.
How do I block my account if my phone is stolen?
Dial *826*21# immediately.
Does Union Bank offer WhatsApp banking or chat bot services?
Yes, they have a WhatsApp banking service. Contact their customer support for details.
Union Bank Customer Care Contacts
If you need help with USSD transactions, you can reach Union Bank’s support team through:
- Phone: +234-1-2716816 or 07007007000
- Email: customerservice@unionbankng.com
- Social Media:
- Twitter: @unionbank_ng
- Facebook: Union Bank Nigeria
How do I link my Union Bank account to digital wallets like Opay, PalmPay, or Paga?
Use the respective wallet’s app and follow the linking instructions
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