Steps on How to transfer money from unity bank

Unity Bank is a reputable financial institution that offers a wide range of services to its customers, including the ability to transfer money quickly and easily. This service is particularly useful for customers who need to send money to friends or family members, pay bills, or make investments.

Since the intrduction of mobile banking services like ussd and mobile app, transferring money has become as easy as sending sms message. In this article, we will discuss the process of transferring money from Unity Bank and the various options available to customers.

One of the most common methods is through mobile banking, where customers can log into their account and simply enter the recipient’s account details and the amount they wish to transfer or use ussd code .

Read: How to check unity bank account balance

Table of Contents

Features:

Bill Payments (utilities, cable TV, etc.)
Airtime and Data Purchase
Schedule transfers
Manage beneficiaries
Track transfer history
Instant transaction notifications

Benefits

You can perform various banking transactions directly from your mobile phone anytime and anywhere, without needing to visit a branch or use internet banking.
Transfers, bill payments, and other transactions are processed quickly, saving you time and effort.
The service uses secure encryption and requires a PIN for authorization, ensuring the safety of your transactions.
Apart from transfers, the USSD code also allows you to check your balance, buy airtime, pay bills, and access other banking services.
The service is generally free or has minimal charges, saving you money on transaction fees.
The menu-driven interface is user-friendly and easy to navigate, even for those not familiar with technology.

Read: How to block Unity Bank account and ATM Card

How to register for Unity Bank ussd code

To register for Unity Bank’s USSD code service, follow these steps:

*Dial *7799# on your mobile phone.
Select “Register” or “Enroll”
Enter Your Account Number or Debit Card Number
Follow the Prompts
Creating a 4-digit PIN
Confirming your registration details.
Once done You will receive a confirmation message indicating that you have successfully registered for the Unity Bank USSD service.
Ensure that the mobile number you are using is registered with your Unity Bank account.

Pay Attention: How to Register for Unity bank internet banking and mobile App

How to transfer money from Unity bank

Unity Bank offers multiple convenient ways to transfer money, both domestically and internationally. Here’s a breakdown of the common methods:

1. Unifi Mobile App:

Open the Unifi app on your smartphone and log in using your credentials.
Look for the “Transfers” or “Send Money” section.
Select the appropriate option:
- Unity Bank to Unity Bank
- Other Banks (NIP transfers)
Provide the recipient’s account name, account number, bank name (if applicable), and any other required details.
Enter the transfer amount.
Review the details carefully and confirm the transfer. You may need to enter your transaction PIN or use biometric authentication to authorize the transaction.

2. Unity Bank Internet Banking:

Visit the Unity Bank website and log in to your internet banking account.
Find the “Transfers” or “Send Money” section.
Select the transfer type, enter recipient details, and the amount.
Use your hardware token or other security measures to confirm the transfer.

*3. USSD Code (7799#):

Transfer to another Unity Bank Account:
1. Dial *7799*1*Account No*Amount# on your mobile phone.
  - Replace “Account Number” with the 10-digit Unity Bank account number of the recipient.
  - Replace “Amount” with the amount of money you wish to transfer.
  - For example, to transfer ₦5000 to account number 1234567890, dial *7799*11234567890*5000#.
2. You’ll see a screen displaying the recipient’s name and the amount you are about to transfer. Confirm that the details are correct.
3. Input your Unity Bank USSD 4 digit PIN to authorize the transaction.
4. You will receive a confirmation message once the transfer is successful. The recipient will also receive a notification.

Transfer to other banks in Nigeria:

Dial *7799*2*Account No*Amount# on your mobile phone.
- Replace “Account Number” with the recipient’s account number in the other bank.
- Replace “Amount” with the amount of money you wish to transfer.
You’ll be prompted to select the recipient’s bank from a list of available banks.
Verify the recipient’s name, account number, and bank name displayed on your screen.
Enter your 4-digit PIN to authorize the transaction.
You will receive a confirmation message once the transfer is successful.
For example, to transfer ₦10000 to account number 1234567796, dial *7799*11234567796*10000#.

4. ATM Transfers:

Visit a Unity Bank ATM.
Insert your card and enter your PIN.
Select “Transfers” or “Quickteller” from the menu.
Follow the on-screen instructions to enter the recipient’s details and the transfer amount.

5. In-Branch Transfers:

Visit any Unity Bank branch.
Fill out a transfer form with the recipient’s details and the transfer amount.
Submit the form along with a valid ID.
The bank staff will process your transfer.

How to buy Airtime from Unity Bank

You can buy airtime directly from your Unity Bank account using the following methods:

*1. USSD Code (7799#):

This is the fastest and most convenient method, particularly if you don’t have internet access.

For self-recharge:

Dial* 7799*Amount# (e.g., 7799*1000#) from your registered Unity Bank phone number.
To recharge another number: Dial *7799*Phone Number*Amount# (e.g., *7799*08012345678*1000#) from your registered Unity Bank phone number.

2. Unifi Mobile App:

Log in: Open the Unifi app on your phone and log in using your username and password
Click on “Airtime”: This is usually located at the bottom of the page.
Select “Airtime Recharge”:
Select the account to debit.
Select the network operator (MTN, Airtel, Glo, 9mobile).
Enter the phone number or click on the phone icon to choose from your contacts.
Enter the amount you want to recharge.
Click “Recharge

How to block unity bank ATM Card

You can block your Unity Bank ATM card using any of these methods:

1. Using the USSD Code:

This is the fastest way to block your card if you suspect it’s lost or stolen.

Dial 77999*Your Registered Phone Number# from any phone.
This will immediately block your account, including your ATM card.
To unblock, you’ll need to visit a Unity Bank branch.

2. Visiting a Unity Bank Branch:

Go to the nearest Unity Bank branch.
Inform a customer service representative that you want to block your card.
Provide the necessary identification and account details.
The representative will block your card for you.

How to pay bills from Unity bank

Unity Bank offers three primary ways to pay your bills:

1. Using the USSD Code (*7799#)

This method is the quickest and easiest, especially if you don’t have internet access.

*Dial 7799# from your registered Unity Bank phone number.
Select “Pay Bills” from the menu options.
Choose the bill category (e.g., Electricity, Cable TV).
Select the biller and enter the required details (account/customer ID, amount).
Enter your 4-digit PIN to authorize the payment.

2. Unifi Mobile App:

This option is handy if you prefer using your smartphone for transactions.

Open the Unifi app and log in with your credentials.
Look for the “Bills Payment” option, usually on the home screen or under “Payments” or “Services.”
Choose the category of the bill you want to pay.
Select the specific biller from the list. Enter the required details, such as your account/customer ID and the amount.
Review the details and confirm the payment using your transaction PIN.

3. Unity Bank Internet Banking:

Useful if you prefer using a computer.

Access Unity Bank’s internet banking platform using your login credentials.
Bill Payment: Look for the “Bill Payment” option.
Enter Details: Choose the biller, enter the required details (account/customer ID, amount).
Confirm: Review the details and authorize the transaction.

Read:How to transfer money from United Bank for Africa (UBA)”

Frequently Asked Questions:

What are the different ways to transfer money with Unity Bank?

You can transfer money using the *7799# USSD code, the UnionMobile app, or internet banking.

What is the maximum amount I can transfer per day?

The daily transfer limit for USSD transfers is ₦100,000. Limits for other channels may vary, contact Unity Bank for specific details.

Are there any charges for transferring money?

Transfers between Unity Bank accounts are typically free
Transfers to other banks may attract a small fee (₦52.50k as of August 2023).

How long does it take for a transfer to be completed?

Transfers to other Unity Bank accounts are usually instant.
Transfers to other banks typically take a few minutes but could take up to 24 hours.

How do I register for the 7799# service?

Dial *7799# and follow the prompts to register using your Unity Bank account number or debit card.

What if I forget my USSD PIN?
- You will need to visit a Unity Bank branch with a valid ID to reset your PIN.
Can I link multiple accounts to my USSD profile?
- Yes, you can link multiple Unity Bank accounts to the same phone number.
What if the transfer fails or the recipient doesn’t receive the money?
- Contact Unity Bank customer care immediately for assistance.

How do I register for UnionMobile or internet banking?
- You can self-register for UnionMobile through the app or visit a branch for assistance. For internet banking, you can register online or at a branch.
What if I forget my login details for the app or internet banking?
- You can usually reset your password or PIN through the app or website itself. If not, contact customer care.
Are there any additional security measures for online and mobile transfers?
- Yes, you may need to use a hardware or software token, or receive an OTP (One-Time Password) for authorization.

Bottom Line

Understanding the different options available for transferring money from Unity Bank can help customers make informed decisions when sending funds. With convenient and secure transfer options, Unity Bank provides customers with peace of mind when managing their finances.

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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.