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Banking in Nigeria has evolved tremendously, especially with the convenience of USSD banking. If you're a Union Bank customer, you’re in luck – their USSD code provides a fast, secure, and convenient way to perform transactions right from your phone! This guide covers everything you need to know about Union Bank's USSD codes in Nigeria, including activation, usage, and FAQs.
Union Bank's USSD code, *826#, is a simple, quick, and effective way to manage your bank account using a mobile device. You don’t need internet access; just a mobile network connection is enough. With this service, you can check your balance, transfer funds, recharge airtime, and more.
You can also read: Opay USSD Code
The USSD code, *826#, works on any mobile phone. By simply dialling *826# from the phone number linked to your Union Bank account, you can navigate through various menu options to complete transactions.
To start using Union Bank's USSD banking, ensure you have:
A Union Bank account.
Your mobile phone number is registered with your Union Bank account.
A debit card linked to your Union Bank account.
Minimum balance for USSD charges by your mobile network.
To activate Union Bank's USSD code service, follow these steps:
Dial *826# on your registered mobile number.
Follow the prompt to register.
Set up a unique 4-digit PIN for secure transactions.
Complete the setup by confirming your PIN.
Alternatively, you can visit the nearest Union Bank and have a customer service agent help set it up.
Once registered, you can start using *826# for banking transactions.
To check your balance:
1. Dial *826*4# from your registered number.
2. Enter your 4-digit PIN.
3. Your account balance will display instantly.
You can easily transfer money to Union Bank accounts or other banks using:
To Union Bank account: Dial *826*1*Amount*Account Number# and confirm with your PIN.
To other banks: Dial *826*2*Amount*Account Number# and select the receiving bank.
To pay bills like electricity, water, and internet services:
Dial *826#.
Select “Pay Bills” and choose the specific service.
Enter the biller code, and amount, and confirm payment with your PIN.
You can buy airtime for yourself or others:
Self-recharge: Dial *826*Amount# to recharge.
Third-party recharge Dial *826*Amount*Phone Number# to send airtime to someone else.
Union Bank USSD transactions often carry minimal charges depending on the transaction type:
Balance inquiry: ~N10
Transfers: ~N20–N52.5 per transaction
Bill payments: varies by the biller.
Confirm these charges with Union Bank for the latest fees.
|
USSD Code |
Code Function |
|
*826*4# |
Check Account Balance |
|
*826*Amount# |
To Buy airtime for yourself |
|
*826*Amount*number# |
To Buy airtime for friends |
|
*826*1*Amount*Account No# |
To Send or Transfer money to a Union Bank Account |
|
*826*2*Amount*Account no# |
To Send or Transfer money to another bank account (not Union Bank) |
|
*826*7*amount# |
To make a Cardless withdrawal |
|
*826*19# |
To find a Union Direct Agent or Union Bank Branch |
|
*826*21# |
To request for an ATM card |
|
*826*41# |
To request for a loan |
|
*826*9# |
To Buy Data |
|
*826*22*merchantcode*amount# |
To pay a Pay merchant (mCash) |
|
*826*3*account no# |
Data capture after enrolment |
|
*826*21# |
To block and unblock ATM card |
|
*826*8# |
To request a limit increase |
|
*826*6# |
In cases of theft to block your account from your phone number |
|
*826*6*mobile number# |
To block your account from other phone numbers |
If you encounter issues:
Ensure your mobile number is registered with Union Bank.
Check if your account has sufficient balance for transaction charges.
For persistent issues, contact Union Bank’s customer support.
USSD banking offers multiple benefits:
Accessibility: Available 24/7, no internet required.
Convenience: Conduct transactions on the go.
Security: Transactions are PIN-protected.
Never share your PIN with others.
Report any suspicious account activity to Union Bank.
Yes, Union Bank’s USSD banking works on any phone type, as long as it supports SMS.
Union Bank has a daily transfer limit, generally capped at around N200,000. You can confirm specifics with the bank.
Immediately contact Union Bank’s customer care to block your account or USSD access.
Yes, each transaction may have a small fee, often regulated by your mobile network and Union Bank.
The USSD code generally works only within Nigeria. However, check with Union Bank for specific options if you're abroad.
Union Bank allows linking multiple accounts but may require confirmation during setup.
Union Bank’s *826# USSD banking is a practical and secure way to manage your banking on the go. With just your mobile phone, you can perform a range of transactions, from checking your balance to paying bills. If you’re looking for a hassle-free banking experience in Nigeria, the Union Bank USSD code could be the perfect solution.
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