Union Bank Short Code USSD to check Balance

Today we are going to look in to the Union bank short code known as USSD introduced to enable you transfer money, check your account balance, pay bills and more. Union bank is one of the most popular commercial bank in Nigeria.

A few years ago, all the Nigerian commercial bank introduced a USSD code that made it possible for Nigerians to send and receive money on the go. This transaction doesn’t require a smartphone with an internet connection but a basic phone with your SIM card.

What you can do with Union bank short codes

Before moving forward to the list of the Union bank short code and how to use them, I will like to list the things you can do with these codes and if what you want is not on the list then the code is not for you. You might need to pay your bank a visit.

• 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 card).
• Request for ATM card.
• Increase your limit and more.

The lists above is just a few of the things you can do with Union bank short code, there are more you can do which you will see before the end of this post.

Note: Before you can use any Union bank USSD codes you must have an active bank account with Union bank together with the phone number linked to the account.

List of Union bank USSD short Codes and how to use it

To go straight to the point, I am going to show you all the codes and how to use them to get things done without stress.

Check balance: *826*4#

Dialing this code will help you to check your account bank instantly. As long as you are within Nigeria, you can check your account balance with the short code. Remember, you don’t need a smartphone with an internet connection to do this, any phone can work.

Buy airtime for yourself: *826*Amount#

If you wish to buy airtime directly from your Union bank account, all you need to do is to dial the short code together with the amount you wish to recharge and click send.

Buy airtime for others: *826*Amount*3rd party mobile No#

Let’s say that your want to buy airtime for your parents, a family member or a friend. Dial the used code with the amount and the person’s phone number example: *826*500*03061200040#. This short code tells the system that you want to recharge 500 Naira airtime to this phone number 03061200040

Transfer money to Union Bank: *826*1*Amount*Account No#

Sending money to the same Union bank account is a straightforward process, the USSD code list above does justice that. dial the short code, add the amount you want to transfer and add the destination account number, example: *826*10,000*035957835#. This simply means that you are sending 10,000 Naira to this account 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 when you are not with your ATM card then there is an option for you to get cash if you see any ATM around you. However, you must have you 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 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#)

It might not be necessary for you to visit your bank before you can request for any ATM card also know as a debit card. You can request for an ATM card from your phone and you will be notified when its available and where to collect it from. To get started below is the step by step guide on how to do it.

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.​

Option 2: UnionMobile 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.​

Option 3: UnionOnline (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.​

Option 4: 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 Code that you can use to perform different transactions on the go.

Note:

Each transaction that your perform using the USSD code attract N6.98, that 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 your need and the guide how you can easily manage your account with Union Bank short code. Check balance, transfer funds, buy airtime, and more using *826# anytime, anywhere on your mobile.

You can also read:

• Globus Bank USSD Code: How to Use, Register, and Activate It
• Gtbank Ussd Codes and How to Use it for Transactions
• How to Link NIN to Bank Account in Nigeria