Today, we will explore the Union Bank USSD short code, which allows you to transfer money, check your account balance, pay bills, and more. Union Bank is one of the most popular commercial banks in Nigeria.
A few years ago, all Nigerian commercial banks introduced USSD codes, enabling people to send and receive money easily, even on the go. This service does not require a smartphone or internet connection; it can be used with a basic phone that has your SIM card.
What you can do with Union Bank short codes
Before discussing the Union Bank short codes and how to use them, let’s first look at what you can do with these codes. If your needs are not included in this list, then the code may not work for you, and you should consider visiting your bank for help.
- Check balance.
- Transfer money to Union Bank.
- Transfer money to other banks.
- Block your account from your phone number.
- Request a loan.
- Buy data and airtime.
- Card management (block and unblock a card).
- Request for an ATM card.
- Increase your limit and more.
The lists provided above highlight some of the features available through Union Bank’s USSD code. By the end of this post, you will have the opportunity to explore additional functionalities of the Union Bank USSD code.
Please note: To use any of Union Bank’s USSD codes, you must have an active bank account with Union Bank, as well as a phone number linked to that account.
List of Union Bank USSD short Codes and how to use them
To go straight to the point, I am going to show you the Union Bank USSD codes and how to use them to get things done without stress.
Check balance: *826*4#
Dialing this code allows you to check your account balance instantly. If you are in Nigeria, you can use this short code to access your balance. Keep in mind that you don’t need a smartphone or an internet connection; any phone will work for this purpose.
Buy airtime for yourself: *826*Amount#
If you want to purchase airtime from your Union Bank account, simply dial the short code followed by the amount you wish to recharge and press send.
Buy airtime for others: *826*Amount*3rd party mobile No#
To buy airtime for your parents, a family member, or a friend, dial the code for airtime purchase. Use the format *826*500*03061200040#. This will add 500 Naira of airtime to the phone number 03061200040.
Transfer money to Union Bank: *826*1*Amount*Account No#
Transferring money to the same Union Bank account is a simple process. To do this, dial the USSD code provided, input the amount you want to send, and then enter the destination account number. For example, you would dial *826*10,000*035957835#. This means you are sending 10,000 Naira to the account number 035957835.
Transfer money to other banks: *826*2*Amount*Account no#
To send money to other banks and not Union Bank, you need to dial the short code above. The 2 in between the code informs the system that the money is going to other banks and not a Union bank account number. Example: *826*2*20000*035957835#.
This code tells the system to send the sum of N20,000 to this account number: 035957835. You will be asked for your transaction PIN code before you can be able to complete the transaction.
Cardless withdrawal *826*7*amount#
If you run out of cash and you are not with your ATM card, then there is an option for you to get cash if you see an ATM around you. However, you must have your phone with you before you can be able to perform a cashless withdrawal.
Just as the name implies, this is a means of withdrawing money from an ATM without your card, and to get started, all you need is to dial the right USSD code, which is: *826*7*amount#. With this short code, you will be able to withdraw your money
How to Use Union Bank Cardless Withdrawal Step by Step-by-Step Guide
Option 1: Via USSD (*826#)
- Dial *826*7*Amount# on your mobile phone linked to your Union Bank account.
- Enter your transaction PIN to authorize the request.
- You will receive an SMS containing a Pay code and a One-Time Password (OTP).
At the ATM: Tap any key to enter Cardless mode. Input the Pay code received via SMS. Enter the OTP. Input the withdrawal amount. Collect your cash.
Option 2: Via UnionMobile App
- Open the UnionMobile app and log in.
- Navigate to the Cardless Withdrawal option.
- Select or input the desired amount.
- Enter your PIN to generate a token.
- You will receive an SMS with a Paycode and an OTP.
- At the ATM, follow the same steps as above to complete the withdrawal.
Important Notes
Maximum per transaction: ₦10,000. Daily limit: ₦50,000. This service is available at Union Bank ATMs. No internet connection is required for USSD transactions.
How to request a Debit Card (*826*21#)
However, you may not need to visit your bank in person to request an ATM card, also known as a debit card. You can easily request one using your phone, and you’ll be notified when it’s ready for pickup and where to collect it. Here’s a step-by-step guide to help you get started.
How to Request a Union Bank Debit Card
Option 1: Dial USSD (*826#)
- Dial *826*21# on your mobile phone linked to your Union Bank account.
- Follow the prompts: Reply with 1 to select Card Request.
- Choose your preferred card type: Reply with 1 for Verve Card. Reply with 2 for Mastercard. Select the account to link the card to.
- Enter your transaction PIN to authorize the request.
- Your card request will be processed, and you will receive further instructions via SMS.
Union Mobile App
- Open the UnionMobile app and log in.
- Navigate to the Card Services or Cardless Withdrawal section.
- Select Request Debit Card.
- Choose your preferred card type (Verve or Mastercard) and the account to link.
- Confirm your request by entering your transaction PIN.
- You will receive a notification when your card is ready for pickup.
Union Online (Internet Banking)
- Log in to UnionOnline.
- Click on the Cards menu and select Request a New Debit Card.
- Fill in the required details:
- Select your account number.
- Choose the card type (Verve or Mastercard).
- Select a preferred branch for card pickup.
- Enter your security word and token to authorize the request.
- Submit the request. You will be notified when your card is ready for collection.
Visit a Union Bank Branch
- You can also visit any Union Bank branch nationwide to request a debit card.
- The bank staff will assist you in completing the request, and your card will be issued accordingly.
Card Activation and PIN Retrieval
Once you receive your debit card, you can activate it and retrieve your PIN using the UnionMobile app:
- Log in to the UnionMobile app.
- Select Retrieve Card PIN from the menu.
- Enter the last 4 digits of your card.
- Enter your UnionMobile PIN.
- Choose the SMS code option.
- Enter the SMS code sent to your phone and select Continue.
- A default PIN will be displayed.
- To activate your card, change this PIN to any 4-digit PIN of your choice at any Union Bank ATM.
List of Union Bank Short Codes USSD
I will be ending this guide by providing the full list of all the Union Bank USSD codes that you can use to perform different transactions on the go.
Function | USSD (Short Code) |
|---|---|
To check balance | *825*4# |
Buy airtime (Self) | *826*Amount# |
Buy airtime (Others) | *826*amount*phone number# |
Transfer money (Union Bank) | *826*1*Amount*Account No# |
Transfer money (Other banks) | *826*2*Amount*Account No# |
Request a debit card | *826*21# |
Cardless withdrawal | *826*7*Amount# |
Locate Union Bank branch or agent | *826*19# |
Request for loan | *826*41# |
Data capture after enrollment | *826*3*Account No# |
Limit increase request | *826*8# |
Data purchase | *826*9# |
Block &Unlock your ATM Card | *826*21# |
Pay merchants (m cash) | *826*22*merchant code* amount# |
Block your account using your phone | *826*6# |
Block your account using other phone numbers | *826*6*mobile number# |
Note:
Each transaction that you perform using the USSD code attracts N6.98, which means you will need some money on your phone before you can perform USSD code transactions.
Finally, I believe you have gotten all the information that you need and the guide on how you can easily manage your account with Union Bank’s short code. Check balance, transfer funds, buy airtime, and more using *826# anytime, anywhere on your mobile.