Union Bank Transfer Code 2023: Activate & Transfer Money to Other Banks

Get the Union Bank Transfer Code: Learn how to register, Activate, and transfer money from Union Bank to other banks in Nigeria.

This article gives you information and tips on how to use the Union Bank transfer code in transferring money and other financial activities.

What is Union Bank Transfer Code?

Union Bank is among Nigeria’s most reliable and trusted bank and it’s transfer code is *826#. Union Bank bank transfer code (*826#), allows you to transfer money to any bank account in Nigeria, check your account balance, buy airtime for friends and family and so much more with just your mobile phone, even with your common “kpalasa”.

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It is also useful and helpful because of its speed and doesn’t require any internet connection. This USSD code can be used across all mobile network providers like MTN, Glo, Airtel, or 9mobile.

It just makes banking sweet and easy for you, you can open an account, save for the future, or pay utility bills.

How Can I Use The Union Bank Transfer Code?

The union bank transfer code can be used only when activated via your mobile phone. Note that you must have an account with Union bank before you activate the code. You must also dial the code from the number that was linked and registered with the your bank account. In summary, to active the Union Bank Code:

  • Dial *826# on the mobile number linked to the Union Bank account
  • After dialing the code, follow the prompt by clicking the first option (Activate Mobile Banking)
  • Enter the bank account number
  • Select a four-digit PIN
  • Enter the numbers on your card. It could be the last 4 or 6 or both.
  • Complete the process by submitting.
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What Can I Do With The Code?

As stated earlier, you can use the code to:

  • Check account balance
  • Buy airtime for yourself and airtime for others.
  • Transfer money to a Union Bank account and other banks.
  • Make a cardless withdrawal.
  • Request a debit card.
  • Request a loan.

How To Transfer Money Using The Union Bank Code.

You can only make transfers from your individual current or savings account. To make transactions through *826# is free for Glo, 9mobile, and Airtel network users. However, customers on the MTN network will be charged N15.00 for transfer to UBN account, and transfer to other bank accounts is N68.00 Naira.

To make the transfer to a Union Bank Nigeria (UBN) account, just dial *826*1*amount* account number#, then confirm the details and input as asked.

To make the transfer to another bank(Non-UBN) account, just dial *826*2*amount*account number#.

How To Buy Airtime Using The Union Bank Code

You can also buy airtime using the Union Bank USSD code for yourself and even friends and families.

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To recharge for yourself, note that you will be recharging for the phone number or SIM card registered to your Union Bank account. Directly dial *826* amount#.

To recharge for your friends and families or other people, you can simply dial *826*Amount*3rd party mobile number(friend or family number)#.

Can I Manage My Union Bank Account Using The Code?

Yes, you can, you can check your account balance, request a debit card, and manage your card.

  • To Check your account balance, simply dial *826*4#
  • To request a debit card, dial *826*21# and follow the instructions as prompt.

Management of card, to either block or unblock the card, also dial *826*21# and follow instructions as prompted.

How To Make Cardless Withdrawals Using The Union Bank Code.

Union Bank cardless cash allows you to withdraw money from an ATM without using your debit card. Instead, you can opt to receive a unique code from your bank to your phone (either by text message or within your mobile banking app) that you can then use at an eligible ATM to verify your cash withdrawal. To make a cardless withdrawal:

  • From the mobile number registered with your account number, dial *826#.
  • Follow the on-screen prompts to generate a Paycode and PIN.
  • Proceed to any cardless-enabled ATM.
  • Punch the enter key on the machine and select Paycode
  • Follow the prompts to finalize your transaction.
  • Receive your cash.
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How To Apply For A Loan Using The Ubn Transfer Code.

To request a loan using the Union Bank transfer code, dial *826*41# and follow instructions promptly.


Union bank transfer code is *826#, it is fast and reliable and always active 24/7 on your mobile phone. It can be used to perform transactions like transferring money, recharging airtime, and managing your account without visiting the bank or POS agent. It’s just too easy, all you have to do is dial *826# and enjoy.

Last Updated on November 13, 2023 by NetworkPalava Admin

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