List of Union bank ussd code for transaction

The Union Bank of Nigeria has taken a step towards financial inclusivity by introducing a USSD platform for financial transactions. This platform allows customers to perform various banking services such as funds transfers, bill payments, airtime top-ups, and account balance inquiries using their mobile phones.

This service is particularly beneficial for those who may not have access to internet banking or may not be comfortable using online platforms for financial transactions.

The USSD platform provided by Union Bank of Nigeria is not only convenient but also secure. Customers can easily access their accounts and perform transactions without the need for internet connectivity or a smartphone. This platform also adds an extra layer of security as transactions require a PIN or password to be authorized. This ensures that customer information and funds are protected from unauthorized access or fraud.

This article delves into the use of USSD for banking with Union Bank of Nigeria, exploring its benefits, registration process, available services and the future trends in mobile banking.

Read: Guide on how to transfer money from Union Bank

Features of Union Bank USSD (826#):

• Account Management:
  • Check Account Balance
  • View Mini Statement (last 5 transactions)
  • Block ATM Card
  • Check BVN
  • Change/Reset USSD PIN
• Transfers:
  • Transfer within Union Bank
  • Transfer to Other Banks
• Bill Payments:
  • Pay Electricity Bills
  • Pay Cable TV Bills
  • Other Bill Payments (e.g., school fees)
• Airtime Purchase:
  • Buy airtime for self
  • Buy airtime for others
• Other Services:
  • Generate OTP for transactions
  • Request Account Statement
  • Locate Union Bank Agents
  • mCash Merchant Payments (unique USSD code for payments)

Benefits of Union Bank USSD (826#):

• Convenience:

  • No Internet Required: Access services without needing an internet connection.
  • 24/7 Availability: Conduct transactions anytime, day or night.
  • Easy to Use: Simple and straightforward menu options.

• Accessibility:

  • Works on Any Phone: Can be used on basic feature phones as well as smartphones.
  • Wide Reach: Available to all Union Bank customers with a registered mobile number.

• Security:

  • PIN Protected: Transactions are secured with your unique PIN.
  • Card Blocking: Allows you to quickly block your card in case of loss or theft.

• Cost-Effectiveness:

  • No Data Charges: No need to worry about data consumption.
  • Minimal Fees: Most transactions have low or no fees.

Read: How to check Union Bank of Nigeria account balance

Union Bank USSD Banking Codes

How to register for union bank ussd

There are two main ways to register for Union Bank’s USSD service (*826#):

1. For Existing Union Bank Account Holders:

• *Dial 826# from your mobile phone linked to your Union Bank account. 
• Select Option 1: Choose “Activate with Account Number & Debit Card”
• Enter your Union Bank Account Number.
• Enter the last 6 digits of your Union Bank Debit Card.
• Create a 4-digit PIN. This will be your USSD banking PIN.
• Confirm your PIN.
• You’ll receive a confirmation message indicating successful registration.

2. For New Union Bank Customers (without an existing account):

• *Dial 826# from your mobile phone. 
• Select Option 2: Choose “Open an Account.”
• Follow the prompts to provide your Bank Verification Number (BVN) and other required details.
• Create a 4-digit PIN during the account opening process.
• Upon successful account opening, you’ll be automatically registered for the *826# USSD service.

Read: How to register for Union Bank internet banking and mobile app

How to transfer money from union bank

Union Bank offers a variety of ways to transfer money from your account, depending on your preferences and the recipient’s bank. 

1. UnionMobile App

This is the most convenient way if you have a smartphone and the UnionMobile app installed.

• Log in to the UnionMobile app. 
• Go to the “Transfers” or “Send Money” section.
• Choose the type of transfer you want to make:
  • Within Union Bank: Transfer funds between your own Union Bank accounts or to other Union Bank customers.
  • To Other Banks (Nigeria): Send money to accounts in other Nigerian banks.
• Enter the required recipient details (account number, bank, amount, etc.)
• Confirm the transaction with your PIN or biometrics. 

2. UnionOnline (Internet Banking)   

• Log in to UnionOnline.
• Go to the “Transfers” section.
• Select the type of transfer you want to make.
• Enter the recipient’s bank, account number, and amount. 
• Input a narration for the transfer (optional). 
• Authorize the transaction with your hardware token or the One-Time Password (OTP) sent to your registered mobile number.

*3. USSD Code (826#)

• This is a quick and easy option, particularly useful if you don’t have internet access.
• To transfer to another Union Bank account: Dial *826*1*amount*account number#
• To transfer to other banks: Dial *826*2*amount*account number#
• Follow the prompts to select the recipient’s bank and confirm the transfer with your PIN.

Pay attention: How to block and unblock Union bank account/ Atm Card

How to buy airtime from union bank

There are two primary ways to purchase airtime directly from your Union Bank account:

1. USSD Code:

This is the fastest and simplest method, particularly useful when you don’t have access to the internet.

• To buy airtime for yourself:
  • Dial *826*Amount# from the mobile number linked to your Union Bank account. (For example, dial *826*500# to purchase ₦500 airtime). 
• To buy airtime for someone else (third-party):
  • Dial *826*Amount*Recipient’s Phone Number# from your registered phone number. (For example, dial *826*1000*08012345678# to buy ₦1000 airtime for the number 08012345678).

2. UnionMobile App:

This is a convenient option if you have a smartphone and the UnionMobile app installed.

• Log in to the UnionMobile app.
• Navigate to the “Airtime Top-up” or a similar section within the app.
• Select the network provider (MTN, Airtel, Glo, or 9mobile).
• Enter the phone number you want to recharge and the amount.
• Confirm the transaction with your PIN or biometrics.
• The airtime will be credited instantly.

Union bank cardless withdrawal

There are two main ways to initiate a cardless withdrawal from Union Bank:

*1. USSD Code (826#):

• Dial *826*7*amount# from your registered mobile number.
• Enter your PIN and submit.
• You will receive an SMS with a Paycode and a one-time password (OTP).
• Share the Paycode and OTP with the person who will be making the withdrawal

2. UnionMobile App:

• Log in to the UnionMobile App.
• Click on “Cardless withdrawal”. 
• Adjust the + sign to the desired amount.
• Input your PIN and click on “Generate token”
• You will receive an SMS with the Paycode and a one-time password (OTP).
• Share the Paycode and OTP with the person who will be making the withdrawal.

How the Recipient Withdraws the Cash

• The recipient should go to any Union Bank ATM.
• Select “Cardless Withdrawal” from the list of services.
• Enter the Paycode and the OTP.
• Enter the amount to withdraw. 
• Get your cash and receipt.

Read: How to register for Union bank ussd and activate

How to reset union bank ussd PIN

There are a couple of ways you can reset your Union Bank USSD PIN:

1. Using the USSD Code:

• Dial *826*5# from your registered mobile number
• Follow the prompts to reset your PIN. You’ll likely need to provide some information to verify your identity, such as your account number and date of birth.

2. Visit a Union Bank Branch:

• Go to your nearest Union Bank branch.
• Inform a customer service representative that you want to reset your USSD PIN.
• Provide necessary identification and account details.
• They will assist you in resetting your PIN.

How to pay bills from union bank

You have several options to pay your bills conveniently from your Union Bank account:

1. UnionMobile App:

• This is the most user-friendly method if you have a smartphone.
• Steps:
  1. Log in to the UnionMobile app.
  2. Navigate to the “Pay Bills” section.
  3. Select the biller category (e.g., Electricity, Cable TV, Internet).
  4. Choose the specific biller and enter the required details (e.g., customer ID, account number).
  5. Input the amount you want to pay.
  6. Confirm the transaction with your PIN or biometrics.

2. UnionOnline (Internet Banking):

• Ideal if you prefer using a computer.
• Steps:
  1. Log in to UnionOnline.
  2. Go to the “Payments” or “Bill Payment” section.
  3. Select the biller category and then the specific biller.
  4. Provide the necessary details and payment amount.
  5. Authorize the transaction with your hardware token or One-Time Password (OTP).

*3. USSD Code (826#):

• A quick option, especially if you have limited or no internet access.
• Steps:
  1. Dial *826*3# from your registered phone number.
  2. Follow the prompts to select the biller category and the specific biller.
  3. Enter the required details and amount.
  4. Confirm the transaction with your PIN.

Read: All uba ussd code for financial transaction

How to block union bank account

Union Bank provides USSD codes to block your account, offering you control and security in case of unauthorized access or suspicious activity

• To block your own account from your registered number:
  • Dial* 826*6#
  • Follow the prompts to confirm the blocking of your account.

• To block your account from another phone number (in case your phone is lost or stolen):
  • Dial *826*6*Your registered mobile number# from any phone. 
  • Follow the prompts to confirm the blocking of your account.

How to buy data from union bank

There are two primary ways to purchase data directly from your Union Bank account:

1. USSD Code:

This is the fastest and most accessible method, especially if you don’t have access to the internet.

• Dial *826*9# from your registered phone number.
• Follow the on-screen prompts to select your network provider (MTN, Airtel, Glo, or 9mobile).
• Choose the desired data plan or bundle.
• Confirm the purchase and the data will be credited to your line instantly.

2. UnionMobile App:

If you have a smartphone and the UnionMobile app installed, this is a convenient option with a user-friendly interface.

• Log in to the UnionMobile app.
• Navigate to the “Buy Data” or similar section.
• Select your network provider.
• Choose the data plan or bundle you want to purchase.
• Confirm the transaction with your PIN or biometrics.
• The data will be credited to your line immediately.

Read: All zenith bank ussd code for financial transaction

Bottom Line

Union Bank’s USSD service for financial transactions is a convenient, secure, and efficient way for customers to manage their accounts and perform transactions without the need for physical bank visits.

The bank’s commitment to innovation and customer service is evident in its adoption of new technologies like USSD to enhance the banking experience for customers. As mobile phone usage continues to grow in Nigeria, USSD technology will play an increasingly important role in shaping the future of banking in the country.

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Meet Ogbeide Frank, also known as Perere, a blogger passionate about writing on finance and technology. He studied Business Administration at Ambrose Alli University in Ekpoma and Mobile Communication at Orange College in Malaysia. Frank has experience working as a banker and consultant for various agencies in Nigeria.

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