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Union Bank USSD Code ~ Transfer, Airtime Recharge & Balance

As a customer, you can make use of union bank ussd code as transfer code which is its primary function anyways, to buy airtime for yourself and others, check your account balance and many more.union bank ussd code

Few among many beauty of this platform is that it doesn’t require internet meaning you don’t need a smartphone to use it as even nokia torch-light phones can do the magic, it is available 24 hours of everyday including weekends and public holidays and it works anywhere and everywhere so far mtn, airtel, 9mobile and glo networks are available there.

Get this now once and for all. When you hear the term mobile banking, it doesn’t have to do with mobile apps only. It also involves the use of ussd codes as it is in the case of this article.

Also Read: FCMB Transfer Code.

I will now move to the primary objective of this write up which is to educate you on how to use union bank mobile banking code for various transaction from the comfort of your home on any device that can receive network reception.

Union Bank USSD Code {*826#}: Features, Requirements & Register.

Like it is with most banks, you have to activate your account for this platform to get started with using it. But before i walk you through the registration process, below are the requirements and features of this code.

Features & Benefits.

  • Transfer: To send money to union bank and other Nigerian banks.
  • Airtime: Recharge or top up your alertz number or that of others.
  • Pay Bills: It can be used to make electricity, water and paytv bills.
  • Balance: You can use it to check how much is left in your bank account.
  • Open an Account: If you like what they do at union bank, service rendering wise, you can use this code to open an account for yourself.

Even though the above are the major features of this mode of banking, you can do more with it. All you have to do is dial the above code and explore the available options.


Here are the requirement you need;

  • Alertz Number: The phone number register to your union bank account. It only works with mtn, glo, airtel and 9mobile (formerly etisalat).
  • Code: The bank’s mobile banking code. It is different for different Nigerian banks.
  • Mobile Phone: Like i said earlier, it works on any device that can be used to make and receive calls as well as check airtime balance. Putting the eligible devices to modems, feature phones, smartphones and some other networking gadgets.
  • ATM Card: You need some of the numbers on your Naira master, verve or visa card to complete the registration process.
  • Continue Reading: This article on NaijNaira is all you need for all the information you need.

Registration or Activation.

To register, follow the steps below.

  • Dial *826# with your alertz number.
  • Reply with 1 (Activate Mobile Banking).
  • On the next page, enter your union bank account number.
  • Create a one time 4 digit mobile banking (transaction) PIN. Make sure it is a combination you can easily remember.
  • Enter the numbers on your card. It might be the last 4 or 6 or both. Note that expired card won’t work.

You should receive a confirmation that you have successfully register your number for union bank 826 mobile banking and you can start to transfer funds, recharge airtime and check account balance.

Union Bank Transfer Code: Inter & Intra.

This is one of the primary functions of union bank transfer code. It allows you to send money to union bank customers or other Nigerian banks entirely. Like some banks, the code is different for inter (to other banks) and intra (to union bank customers) bank transfer.

Inter Bank Transfer.

If the recipient or beneficiary of the money transfer is using another bank say Gtbank, Zenith, Access, Fidelity etc. This is the transfer code you should use.

  • *826*2*amount in naira*account number#.
  • Let’s assume you want to transfer 10,000 Naira to someone with account number 0123456789, just dial *826*2*10000*0123456789#.
  • Enter your transaction PIN (the 4 digit PIN you created at point of registration).

You should receive a message telling you of successful or failed transaction. If failed, you will be told why in a follow up SMS notification.

Intra Banking Transfer.

To send funds to other union bank customers, below is the code you will need and how to use it.

  • *826*1*amount in naira*account number#.
  • Assuming you are transferring 5000 naira to account number 1234567890, dial *826*1*5000*1234567890#.
  • Input your transaction PIN.

A successful or failed transaction message will pop up. If failed, the followed up SMS notification will contain why.

If you any issue with transfer of funds or money, kindly make use of the comment box.

Union Bank Airtime Recharge Code.

The second most used feature of this platform is for recharging airtime. You can use it to top up the number registered to your bank account (self recharge) or any other number (3rd/third party recharge).

Self Recharge: Dial *826*amount#. So you want to buy 2000 airtime for your alertz number, all you have to do is dial *826*2000#.

Third Party Top-Up: To recharge every other number, dial *826*amount*phone number#.

Let’s say you want to buy 500 airtime for 07030870000, dial *826*500*07030870000# >> enter transaction PIN. You will be notified of successful or failed top up.

Union Bank Account Balance Code.

Dial *826# with your alertz number and reply with the option to check account balance. You will then receive SMS containing your balance(s).

Union Bank Mobile Code Daily Limit & Charges.

This platform is great but for some valid reasons, there is a limit to how much you can transfer in a day. Also, some of the transactions attract charges.

  • Daily Transfer Limit: 200,000 Naira.
  • Recharge Limit (Daily): 20,000 Naira.
  • Transfer Charges: Free for intra transfer but 52.5 Naira to other banks.
  • Recharge Charges: Free.
  • Network Charges: Free for Glo, Airtel & 9mobile but MTN might attracts 2-5 Naira.

There you have it on union bank ussd code. Kindly share this article using the social sharing buttons below.

Updated: January 16, 2019 — 2:30 am

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