Union Bank Transfer Code to Send Money with USSD

The Union Bank transfer code is *826#. To transfer money to another Union Bank account, dial *826*1*Amount*Account number#. To send money to an account in another Nigerian bank, dial *826*2*Amount*Account number# and follow the prompts.

These codes let you send money without mobile data or the UnionMobile app. You only need the phone number registered with your Union Bank account, a cellular signal and your transaction PIN.

The number after *826* matters. Use 1 for a Union Bank beneficiary and 2 for a beneficiary at another bank. Mixing them up can open the wrong transfer process or cause the request to fail.

Union Bank Transfer Codes

Union Bank publishes these commands on its official USSD banking page. Always inspect the beneficiary name and transfer amount displayed on your phone before entering your PIN.

How to Activate the Union Bank Transfer Code

You must register for Union Bank USSD banking before making a transfer. The service should be activated with the mobile number recorded on your bank account.

To register:

1. Insert the SIM linked to your Union Bank account into your phone.
2. Dial *826#.
3. Select the registration or activation option shown in the menu.
4. Provide the account or debit-card information requested for verification.
5. Create and confirm a secure transaction PIN.
6. Wait for a successful registration message.

Menu wording can change, so follow the prompts displayed on your phone. If the service cannot find an eligible account, the mobile number on your bank profile may be different from the SIM you are using.

Your transaction PIN authorises transfers. Do not use an obvious combination such as 1234, your birth year or the final digits of your telephone number. Union Bank staff should not ask you to disclose this PIN.

How to Transfer Money from Union Bank to Union Bank

The Union Bank USSD code to transfer money to another Union Bank customer is:

*826*1*Amount*Account number#

Follow these steps:

1. Open your phone’s dialler.
2. Enter the code with the amount and beneficiary’s account number.
3. Press the call button.
4. Check the beneficiary name returned by Union Bank.
5. Confirm the amount and applicable charge.
6. Enter your transaction PIN to authorise the payment.
7. Save the confirmation message or transaction reference.

For example, to transfer ₦10,000 to Union Bank account 0123456789, dial:

*826*1*10000*0123456789#

Do not insert commas or the naira symbol into the code. Enter 10000, not ₦10,000.

The account name displayed before authorisation is an important safety check. Cancel the request if it does not match the person or business you intend to pay. A transfer completed to a valid but incorrect account can be difficult to recover.

Union Bank Transfer Code to Other Banks

The Union Bank transfer code to other banks is:

*826*2*Amount*Account number#

To make an interbank transfer:

1. Dial the code with the amount and recipient’s account number.
2. Select the recipient’s bank from the list displayed.
3. Wait for the system to resolve the account name.
4. Confirm the name, bank and amount.
5. Review the transfer charge.
6. Enter your PIN to complete the transaction.

For example, to send ₦5,000 to account 0123456789 at another Nigerian bank, dial:

*826*2*5000*0123456789#

The official direct code does not require a bank code at the end. Union Bank should ask you to choose the receiving bank through the on-screen menu.

Some older articles use *826*2*Amount*Account number# for every transfer. That is incomplete. Union Bank currently assigns 1 to transfers within Union Bank and 2 to transfers to other banks.

How to Transfer Money Through the Main *826# Menu

You do not have to memorise the complete direct command. Dial *826#, choose the transfer option and follow the instructions.

Using the main menu may be easier when you are unsure whether a beneficiary uses Union Bank or when you do not want to type a long USSD string. The direct commands are faster for customers who already know the correct transfer category.

Whichever method you use, confirm the account name before entering your PIN. The menu and direct commands lead to the same basic transaction, so neither method removes the need to check the details.

Can I Use the Union Bank Transfer Code Without an ATM Card?

Once USSD banking has been successfully activated, you can normally transfer money without inserting or presenting a debit card for each transaction. The transfer is authorised with your USSD transaction PIN.

Registration or a PIN reset may require account or card information for identity verification. The exact requirement depends on the prompts and the security options available to your account.

If your debit card has expired but *826# is already active, do not assume that the transfer service has also stopped. Try the code or ask Union Bank to confirm the status of your USSD profile.

Can I Use the Code Without Internet?

Yes. The Union Bank USSD code to transfer money does not need mobile data or Wi-Fi. It works through your mobile network’s cellular connection.

This makes it useful on a basic phone or when an app cannot connect. However, USSD is not completely independent of the network. A weak signal, temporary bank outage or mobile-network problem can interrupt the session.

Your network may also charge for a USSD session. Keep a small airtime balance even though you do not need a data bundle.

Union Bank Transfer Limit

Union Bank lists *826*8# as the code for accessing the limit-increase function. Dial it and follow the prompts if your current USSD limit is too low for a planned transfer.

It is safer not to treat a single amount quoted online as the limit for every customer. Daily and per-transaction limits can depend on the account type, verification level, security settings and current bank policy.

If a payment exceeds your USSD limit, use UnionMobile, UnionOnline or visit a branch, depending on the amount and the channels enabled on your account. Never break a large payment into many smaller transfers without first considering the additional fees and fraud risk.

Union Bank Transfer Charges

The amount charged can depend on whether the transfer is internal or interbank, the amount sent and current banking or regulatory pricing. Your mobile network may apply a separate fee for the USSD session.

Review the summary shown before entering your PIN. It should help you see the transfer amount and any charge presented by the service. Do not rely on an old statement that every Union Bank USSD transfer costs a fixed ₦10 or ₦20.

If the fee is important to your decision, compare it with UnionMobile or UnionOnline before completing the payment.

Union Bank Account Balance Code

The Union Bank account balance code is:

*826*4#

Checking your balance before a transfer helps confirm that the account can cover both the amount and any applicable charge. The available balance may be lower than the balance in an earlier SMS alert when another transaction is pending.

After a failed or interrupted transfer, use *826*4# to see whether your account was debited before attempting the payment again. A balance enquiry can attract a service or USSD session fee.

For the complete list of balance, airtime, data, cardless withdrawal and card-management commands, see Union Bank USSD code.

Why the Union Bank Transfer Code Is Not Working

You are dialling from the wrong SIM

Use the mobile number linked to your Union Bank account. A dual-SIM phone can accidentally send the request through the other SIM, so check which line is selected.

USSD banking has not been activated

Dial *826# and complete the registration process before using a direct transfer command.

The transfer syntax is wrong

Use 1 for a Union Bank recipient and 2 for a recipient at another bank. Check the placement of the asterisks and final hash symbol.

You have insufficient funds

Your balance must cover the amount and applicable fee. Use *826*4# to check the available balance.

You have reached a transaction limit

The amount may exceed a single-transfer or daily limit. Dial *826*8# to view the limit menu or contact Union Bank.

The USSD session timed out

USSD menus remain active for a short period. Respond promptly, but do not rush past the beneficiary confirmation. Try again in an area with a stronger network signal.

Your PIN is incorrect or blocked

Stop guessing after an unsuccessful attempt. Repeated wrong entries can restrict access. Use the reset option available in the menu or contact Union Bank through an official channel.

The bank or mobile network is unavailable

A temporary outage can affect a correctly formatted request. Wait briefly, check for a service notice or use UnionMobile, UnionOnline or an ATM where appropriate.

What to Do When a Transfer Fails

If the session closes or displays an error, do not immediately send the money again. First:

1. Check your Union Bank balance.
2. Review transaction alerts or history.
3. Ask the intended recipient to check the account balance, not only SMS alerts.
4. Record the date, time, amount, beneficiary bank and account number.
5. Save any transaction reference or error message.

If your account was not debited, you can retry after confirming that the service is available. If it was debited, wait for a reversal or contact Union Bank with the transaction details.

The time needed to resolve a failed transfer varies. It is better to provide the bank with a complete record than assume every failed transaction must reverse within exactly 24 hours.

What to Do If You Transfer Money to the Wrong Account

Contact Union Bank immediately. Provide the transaction reference, amount, date, recipient’s bank and incorrect account number. A fast report gives the bank a better opportunity to begin the appropriate recovery process.

Do not threaten or attempt to obtain private information about the recipient. Banks must follow formal procedures, and successful recovery is not guaranteed when the money has already been withdrawn or moved.

Preventing the error is easier than reversing it. Read the resolved name aloud, if necessary, and compare it with the intended beneficiary before entering your PIN.

How to Block Your Union Bank Account in an Emergency

If your registered phone is lost or you suspect that someone knows your banking PIN, dial:

*826*6#

Use that code from the phone number attached to the account. If the registered phone is unavailable, dial the following from another phone:

*826*6*Registered phone number#

For example:

*826*6*08021234567#

The number included in the command must be the one linked to the endangered Union Bank account. After blocking access, contact Union Bank to report the incident and learn how to restore the account safely.

Union Bank Transfer Safety Tips

• Keep your USSD PIN private.
• Never authorise a transfer during a call with someone claiming to be bank staff.
• Check the recipient’s name, bank and amount before entering your PIN.
• Avoid using an easy-to-guess transaction PIN.
• Lock your phone and SIM.
• Do not follow transfer or reversal instructions from an unverified social-media account.
• Save transaction references until payments are confirmed.
• Block the account quickly if the registered phone or PIN is compromised.

Union Bank will not need your full PIN or one-time password to investigate a complaint.

Union Bank Customer Care

Union Bank currently publishes these support channels:

• WhatsApp: 09070070001
• UnionCare: +234 2 012 716 816
• UnionCare: 07007007000
• Email: customerservice@unionbankng.com

Confirm contact details on the official Union Bank contact page before sharing account information. Do not post your account number or transaction reference publicly under a social-media complaint.

Also Read:

• First Bank Transfer Code: Send Money to Any Bank in Nigeria
• Access Bank Transfer Code: How to Send Money Using 901#
• UBA USSD Transfer Code (*919#): How to Transfer Money to Any Bank
• Zenith Bank Transfer Code (*966#): How to Transfer Money to Any Bank

Frequently Asked Questions

What is the Union Bank USSD code for transfer?

The main Union Bank USSD code for transfer is *826#. Dial *826*1*Amount*Account number# for a Union Bank recipient or *826*2*Amount*Account number# for another bank.

What is the Union Bank USSD code to transfer money to another bank?

Dial *826*2*Amount*Account number#, select the beneficiary’s bank and follow the prompts. Confirm the account name before entering your PIN.

Can I transfer money from Union Bank without data?

Yes. *826# does not require an internet connection, although it needs a mobile signal and the network may charge for the USSD session.

Must I add a bank code to the other-bank transfer command?

No. Union Bank’s current official format ends with the beneficiary’s account number. The service then asks you to select the receiving bank.

Can I use the transfer code on another phone?

You can place the registered SIM in another phone and use the service. Ordinary transfers should still be initiated through the number linked to your account. The special command for blocking an account can be dialled from another number.

How do I increase my Union Bank transfer limit?

Dial *826*8# and follow the prompts. Approval and available limits depend on the account and current security requirements.

What is the difference between *826*1# and *826*2#?

The 1 route is for transfers to another Union Bank account. The 2 route is for transfers to accounts at other Nigerian banks.

How do I check my balance before transferring?

Dial *826*4#, complete the authentication and check that the available balance covers the amount and fee.

The quickest way to remember the Union Bank transfer code is simple: 1 sends money within Union Bank, while 2 sends money to another bank. Use the registered SIM, inspect the resolved beneficiary name and never enter your PIN until every detail is correct.