Union Bank has made this easier for its customers by providing a simple and accessible Unstructured Supplementary Service Data (USSD) code that allows users to perform banking transactions directly from their mobile phones. This service is designed to cater to customers who may not have access to the internet or prefer the convenience of mobile banking without the need for a smartphone or app.

We’ll cover everything you need to know about Union Bank USSD code: how to register, the various services you can access, the advantages of using this service, and some troubleshooting tips for when issues arise.

What is Union Bank USSD Code?

USSD, short for Unstructured Supplementary Service Data, is a technology that allows users to send and receive information through their mobile phones without needing an internet connection. Union Bank’s USSD code service enables customers to perform banking transactions quickly, safely, and without the need for smartphones or the internet.


The Union Bank USSD code is *826#, and it offers a wide range of banking services including balance checks, transfers, airtime purchases, and bill payments. The service works across all mobile networks and is accessible on any type of mobile phone, making it one of the most inclusive banking solutions available.

How to Register for Union Bank USSD Code

Before you can use Union Bank's USSD code, you must first register for the service. Registration is quick and straightforward. Here’s a step-by-step guide on how to do it:

Step 1: Dial *826#

On the mobile phone linked to your Union Bank account, dial *826#

Step 2: Provide Your Account Details

You will be prompted to enter your Union Bank account number. Make sure you enter it correctly to proceed.

Step 3: Create a Transaction PIN

After entering your account number, you will be asked to create a unique 4-digit transaction PIN. This PIN will be required for all transactions carried out using the USSD code, so choose something secure but memorable.

Step 4: Complete Registration

Once your transaction PIN is set, your registration is complete. You can now begin using Union Bank's USSD banking services.

Features and Services Available via Union Bank USSD Code

Union Bank's USSD code (*826#) provides a wide array of banking services to cater to your financial needs. Here’s a list of the primary services you can access:

1. Check Account Balance

To check your account balance, simply dial *826*4# on your phone and follow the on-screen prompts. You will instantly receive a message displaying your current account balance.

2. Transfer Money

Union Bank's USSD code allows you to transfer money to both Union Bank accounts and accounts in other banks within Nigeria. To transfer money:

    

• Dial *826*2*Amount*Account Number# for Union Bank-to-Union Bank transfers.
• Dial *826*2*Amount*Account Number*Bank Code# for Union Bank-to-other-bank transfers.
• Confirm the recipient's name and authorize the transfer by entering your transaction PIN.

3. Buy Airtime

You can buy airtime for yourself or for others directly from your Union Bank account using the USSD code. The options include:

    

• Dial *826*Amount# to top up airtime for the phone number linked to your account.
• Dial *826*Amount*Phone Number# to buy airtime for a different number.

4. Pay Bills

Union Bank’s USSD code supports bill payments for various services, including utilities, cable TV, and more. Dial *826*5# and follow the prompts to select the bill you want to pay, enter the amount, and confirm the transaction with your PIN.

5. Open a New Account

Union Bank makes it easy to open a new account using the USSD platform. Dial *826*7# and follow the instructions to open a savings account in minutes, without needing to visit a branch.

6. Loan Requests

You can apply for a loan directly through the Union Bank USSD code. Dial *826*41# to check available loan offers, apply, and receive funds directly into your account once approved.

7. Update BVN

Updating your Bank Verification Number (BVN) can be done through the USSD code. Dial *826*9# to begin the process and follow the on-screen instructions to complete the update.

8. Mini-Statement

To get a mini statement showing your most recent transactions, dial *826*3#. You will receive an SMS with a list of the last five transactions on your account.

Advantages of Using Union Bank USSD Code

Union Bank’s USSD code offers numerous benefits to customers, making banking easier and more accessible. Here are some key advantages:

1. No Internet Required

One of the biggest advantages of using the USSD code is that it doesn’t require an internet connection. This makes it ideal for people in areas with poor or no internet connectivity, or for customers who do not own smartphones.

2. Convenience and Accessibility

The USSD service can be accessed on any mobile phone, regardless of the type. It is also available 24/7, meaning you can perform transactions at any time of the day or night.

3. Fast Transactions

Transactions carried out via USSD are usually processed almost instantly, allowing you to check balances, transfer money, and pay bills in real time without delays.

4. Secure Banking

Union Bank ensures that all USSD transactions are secure. Each transaction requires the input of your unique PIN, which adds an extra layer of security to protect your funds and personal information.

5. Low Transaction Fees

Using the Union Bank USSD code incurs minimal transaction fees compared to other banking platforms. This makes it an affordable option for performing banking transactions.

Limits and Charges

While the USSD platform is efficient and convenient, there are certain limits and fees associated with its use:

    

• Daily Transaction Limit: Union Bank sets a daily transaction limit of ₦100,000 for transfers via USSD. However, you can visit a branch or contact customer service to increase this limit if necessary.
• Airtime Purchases: You can purchase up to ₦20,000 worth of airtime per day.
• Charges: Union Bank charges a minimal fee for transactions made through USSD. Typically, you’ll pay ₦10 to ₦20 per transaction, depending on the type of transaction and the mobile network.

Troubleshooting Union Bank USSD Code Issues

While the USSD service is generally reliable, you may occasionally encounter issues. Here are some common problems and how to resolve them:

1. USSD Code Not Working

If the Union Bank USSD code isn’t working, try the following solutions:

    

• Ensure you have sufficient airtime to initiate the USSD session.
• Confirm that the mobile number you're using is linked to your Union Bank account.
• Check your mobile network’s service status. If the network is down, the USSD code may not function properly.

2. Invalid PIN

If you enter an incorrect transaction PIN multiple times, your access to the USSD platform may be temporarily blocked. Contact Union Bank customer service to reset your PIN.

3. Transaction Fails

If a transaction fails but your account is debited, Union Bank usually resolves such issues within 24 to 48 hours. You can also contact customer support to escalate the issue.

4. Network Errors

Sometimes, network errors on your mobile carrier’s side can interrupt transactions. If this happens, wait for a few minutes and try again.

How to Block Your Account Using Union Bank USSD Code

If you suspect that your account details have been compromised, you can block your Union Bank account immediately using the USSD code. Simply dial *826*6*Phone Number# and follow the prompts to block your account from unauthorized access.

Conclusion

Union Bank’s USSD code (*826#) is a powerful tool that provides customers with a fast, secure, and convenient way to access banking services without the need for the internet or a smartphone. From checking your balance to making transfers, buying airtime, and even applying for loans, the USSD code ensures that you can manage your finances wherever you are, 24/7.

With the help of Union Bank USSD code, customers can enjoy the benefits of modern banking with minimal cost and effort. Whether you’re in a remote area with no internet access or simply prefer mobile banking without the use of an app, this service is designed to meet your needs efficiently and securely.

Here’s a table detailing Union Bank’s USSD codes and their corresponding functions:

Function	USSD Code	Description
General USSD Banking	*826#	Access Union Bank’s USSD platform for all services.
Check Account Balance	*826*4#	Instantly check your Union Bank account balance.
Transfer to Union Bank Account	*826*2*Amount*Account Number#	Transfer money to another Union Bank account.
Transfer to Other Banks	*826*2*Amount*Account Number*Bank Code#	Transfer money to accounts in other Nigerian banks.
Buy Airtime for Self	*826*Amount#	Purchase airtime for your phone (linked to Union Bank account).
Buy Airtime for Others	*826*Amount*Phone Number#	Buy airtime for a different phone number.
Pay Bills	*826*5#	Pay utility and other bills (e.g., electricity, TV).
Open a New Account	*826*7#	Open a new Union Bank account via USSD.
Loan Requests	*826*41#	Apply for a loan through USSD.
Update BVN	*826*9#	Update your Bank Verification Number (BVN).
Mini-Statement	*826*3#	Request a mini-statement showing recent transactions.
Block Account	*826*6*Phone Number#	Block your Union Bank account in case of fraud or theft.

Also Read

• First Bank USSD Code and how to use the Shortcodes
• Opay USSD Code and How to use it for Loans, Airtime and Data purchase
• Access Bank USSD Code 2024 How to Transfer money
• Unity Bank Transfer Code (Convenient Banking)