Union Bank Transfer Code to Other Banks: Opay, Kuda, PalmPay

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Managing money through Union Bank has become simple and quick. With the *826# transfer code, you can move funds, buy airtime, or pay bills straight from your phone. No need for internet access or a visit to the branch—everything happens in a few seconds.

This piece walks you through how to use the Union Bank transfer code to send money to another bank, set it up, transfer without an ATM card, and send funds to digital wallets like Opay, PalmPay, or Kuda.

Union Bank Transfer Code to Another Bank

Union Bank of Nigeria lets customers send money across banks without mobile data or long queues. The 826 USSD code works on any phone that’s linked to a Union Bank account. It’s quick, reliable, and available at any time of day.

What is the Union Bank Transfer Code?

The Union Bank code *826# gives access to several services right from your phone:

Transfer money to Union Bank or any Nigerian bank
Buy airtime and pay bills instantly
Check your balance
Use the service anytime, including weekends and holidays

It works on basic phones and smartphones alike.

How to Activate the Union Bank Transfer Code

Dial *826# on the line connected to your Union Bank account.
Choose “Activate Mobile Banking.”
Enter your account number.
Set a 4-digit PIN.
Provide the last four or six digits on your ATM card.
Wait for a confirmation message once activation goes through.

If you don’t have an ATM card, walk into any Union Bank branch to finish the setup.

How to Transfer Money from Union Bank to Other Banks

Once you’ve activated the service, transferring money is straightforward:

Dial *826*2# Amount Account Number.
Select the recipient’s bank.
Confirm the account name that appears.
Enter your 4-digit PIN to approve.

You’ll get both a confirmation message and an SMS alert.

Example: To send ₦5,000 to a GTBank account (0123456789), dial *826* 2* 5000* 0123456789#.

Union Bank Transfer Without an ATM Card

You can still use the USSD service without an ATM card as long as your mobile number is registered with Union Bank. If anything goes wrong during activation, visit the nearest branch to sort it out.

Online Transfers

Online transfers are possible through the UnionMobile app or the internet banking platform. They offer more options, including higher transfer limits and detailed transaction history.