Unity Bank USSD Code for Transfers, Airtime and Balance

To use the service, dial *7799# from the phone number connected to your Unity Bank account and follow the prompts. You will normally need to register, create a transaction PIN, and confirm the account you want to use before completing secured transactions.

There is an important development to understand before using the code. Unity Bank and Providus Bank completed their merger and began operating as ProvidusUnity Bank in June 2026. Existing Unity Bank customers may therefore see Unity Bank, ProvidusUnity Bank, or transitional branding while the two institutions integrate their systems.

The *7799# platform remains the recognised code associated with legacy Unity Bank accounts at the time of this update. However, banking codes, menus, support contacts, and transaction limits may change during the integration. Follow the current instructions displayed on your phone and contact ProvidusUnity Bank if the code no longer recognises your account.

Unity Bank USSD Codes

Direct codes can stop working after a menu or platform update. Dial the main *7799# code when a shortcut fails and use the options currently displayed.

What Is the Unity Bank USSD Code?

The main code is:

*7799#

USSD banking works through the mobile network rather than the internet. It can therefore be used on an Android phone, iPhone, or basic feature phone without opening a banking app.

You generally need:

• An active legacy Unity Bank or migrated ProvidusUnity account
• The phone number registered with the bank
• A working Nigerian SIM
• Mobile network coverage
• Sufficient airtime for any USSD access charge
• A secure transaction PIN
• An account that is not restricted

The service is useful when you have no mobile data, the banking app is unavailable, the internet connection is poor, or you need to secure an account quickly.

Important Update About ProvidusUnity Bank

Unity Bank and Providus Bank now operate as ProvidusUnity Bank. The merger created one enlarged institution, and integration work may affect how customers access some legacy products.

For former Unity Bank customers, this means:

• Existing accounts may continue operating during migration.
• The *7799# code may remain available during the integration period.
• Some menu options may be renamed or moved.
• Customer-care details may change.
• Mobile and internet banking platforms may be consolidated.
• Account names displayed during transfers may eventually change.
• New customers may be directed to ProvidusUnity products instead of legacy Unity products.

Do not panic when a beneficiary name, app name, branch sign, or website displays ProvidusUnity Bank. Confirm the account number and account holder’s name before authorising a transaction.

Because integration can produce temporary service interruptions, avoid repeating a failed transfer until you have checked your balance and transaction history.

What Can I Do With *7799#?

The Unity Bank USSD platform supports common banking services such as:

• Transfer money to Unity Bank accounts
• Transfer money to other Nigerian banks
• Buy airtime for your registered number
• Buy airtime for another number
• Check your account balance
• Retrieve or verify your BVN
• Pay selected bills
• Make a cardless ATM withdrawal
• Fund supported merchant or betting accounts
• Pay through a supported USSD POS terminal
• Change or reset a transaction PIN
• Block an account when fraud is suspected

The options displayed on your phone may differ because of account type, network, system migration, or service updates.

How to Register Unity Bank USSD Code

Dial the main code from the phone number connected to your account:

*7799#

Then follow these general steps:

1. Select the registration or onboarding option.
2. Enter your Unity Bank account number when requested.
3. Provide the identity or debit-card information displayed.
4. Select the account you want to connect.
5. Create a secure transaction PIN.
6. Confirm the PIN.
7. Wait for the registration message.
8. Dial *7799# again to access the banking menu.

The exact verification process can change. The bank may ask for information such as:

• Account number
• Debit-card details
• Date of birth
• Bank Verification Number
• One-time password
• Other identity information already held by the bank

Enter sensitive details only inside the official USSD session. Never disclose your PIN or one-time password to a caller, social media account, agent, or person claiming to activate the code for you.

Requirements for Activating *7799

Before registration, confirm that:

• Your account is active.
• Your SIM uses the phone number registered with the bank.
• Your phone can make calls and dial USSD codes.
• You have enough airtime.
• The mobile network signal is stable.
• Your account details are correct.
• You can complete any identity-verification prompt.

A phone number that is not linked to the account may not complete the registration.

Visit a ProvidusUnity branch or contact the bank when your registered number has changed.

Unity Bank Transfer Code

Unity Bank provides different direct codes for transfers within the bank and transfers to other banks.

Transfer to Another Unity Bank Account

Dial:

*7799*1*account number*amount#

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

*7799*1*0123456789*10000#

Follow the prompts, confirm the beneficiary name, and enter your transaction PIN.

Transfer to Another Nigerian Bank

Dial:

*7799*2*account number*amount#

For example:

*7799*2*0123456789*10000#

Select the receiving bank, review the account name, and authorise the transfer with your PIN.

The position of the account number and amount matters. Enter the code exactly in the format shown.

How to Transfer Money With *7799

You can also use the main menu:

1. Dial *7799#.
2. Select Transfer.
3. Choose transfer to Unity Bank or another bank.
4. Enter the recipient’s account number.
5. Select the receiving bank when required.
6. Enter the amount.
7. Review the recipient’s name.
8. Select the account to debit if you have more than one.
9. Enter your transaction PIN.
10. Wait for the confirmation message.

Do not proceed when the displayed beneficiary name is wrong.

A wrong account number can send money to a valid but unintended recipient. Recovery may require cooperation from the receiving bank and account holder.

You can compare the process with my Access Bank USSD code and First Bank transfer code articles if you operate more than one bank account.

Unity Bank Transfer Limit

I could not confirm one fixed current *7799# transfer limit that applies to every customer after the ProvidusUnity integration.

Your actual limit may depend on:

• Account verification tier
• Account type
• Transaction channel
• USSD registration status
• Security profile
• Regulatory restrictions
• Daily transaction history
• Bank risk controls
• Whether the account has completed migration

Do not confuse the limit of a mobile banking app with the USSD limit. The two channels may have different maximum amounts.

When a transfer exceeds your permitted limit, the USSD platform should display an error or reject the transaction. Use the bank’s current mobile app, internet banking service, or branch for larger payments.

Unity Bank Transfer Charges

A transfer can involve:

• A bank transfer fee
• Value-added tax where applicable
• A mobile-network USSD access fee
• A merchant charge for some specialised transactions

The exact amount may depend on the transfer value, account type, receiving bank, and current pricing policy.

Review the fee displayed during the session before entering your PIN. Do not rely on an old online fee table because banking charges and USSD billing arrangements can change.

Unity Bank Airtime Code

To buy airtime for the phone number connected to your account, dial:

*7799*amount#

For example, to buy ₦1,000 airtime, dial:

*7799*1000#

Follow the prompts and select the account to debit if necessary.

Self-recharge may not always require a transaction PIN, so protect your registered SIM and phone.

Unity Bank Airtime Code for Another Number

To buy airtime for someone else, dial:

*7799*phone number*amount#

For example:

*7799*08012345678*500#

Then:

1. Check the recipient’s number.
2. Confirm the amount.
3. Select the account to debit.
4. Enter your transaction PIN.
5. Wait for the recharge confirmation.

Airtime sent to a wrong but active number may be difficult to reverse. Check all eleven digits before authorising the purchase.

Unity Bank Code to Check Balance

The balance-enquiry code is:

*7799*0#

To check your balance:

1. Dial *7799*0# from the registered phone number.
2. Select the correct account if prompted.
3. Enter your transaction PIN.
4. View the balance on the screen or through the SMS notification.

A USSD access fee or balance-enquiry charge may apply.

Avoid checking your balance where another person can see your PIN or banking information.

Unity Bank BVN Code

Dial:

*7799*5#

The option can help retrieve or verify the Bank Verification Number connected to the account.

Follow the prompts and provide the required authentication.

Your BVN is sensitive personal information. Do not publish it online, send it to an unknown support account, or disclose it to someone who calls unexpectedly.

The general Nigerian BVN retrieval code offered through mobile networks may also attract a separate network charge.

Unity Bank Bill Payment Code

Unity Bank lists bill payment as one of the services available through *7799#.

To pay a bill:

1. Dial *7799#.
2. Select Bill Payment or the related option.
3. Choose the bill category.
4. Select the provider.
5. Enter the customer or service number.
6. Enter the amount.
7. Review the displayed information.
8. Enter your transaction PIN.
9. Save the confirmation message.

Supported bills may include:

• Electricity
• DStv
• GOtv
• Mobile airtime
• Data
• Merchant payments
• Other registered services

The number requested can be a meter number, smartcard number, IUC number, customer ID, phone number, or merchant reference.

Verify it before payment because a bill credited to the wrong account can be difficult to reverse.

Unity Bank Cardless Withdrawal Code

The cardless-withdrawal code is:

*7799*8*amount#

For example, to request a ₦10,000 cardless withdrawal, dial:

*7799*8*10000#

Follow the prompts and save the withdrawal details generated by the bank.

At a supported ATM:

1. Select Cardless Withdrawal.
2. Choose the relevant bank or withdrawal service.
3. Enter the generated reference.
4. Enter the requested one-time PIN.
5. Confirm the amount.
6. Collect the cash.

Do not share the withdrawal reference and one-time PIN with anyone unless you intentionally want that person to collect the money.

The withdrawal request may expire after a limited period.

Unity Bank Code to Block an Account

The emergency blocking code is:

*7799*9*phone number#

Use the phone number registered with the affected account.

For example:

*7799*9*08012345678#

The account-blocking code was designed to work from another mobile phone, making it useful when your own phone or SIM is missing.

Use it when:

• Your phone is stolen
• Your SIM is lost
• Your debit card is missing
• Someone knows your banking PIN
• You receive an unauthorised debit alert
• You suspect a SIM swap
• You disclosed an OTP to a fraudster
• Someone gains access to your banking app

Follow the prompts and provide the information requested.

The blocking action may stop debit transactions until the bank verifies your identity and reactivates the account.

My article on how to block an ATM card using USSD contains emergency steps for protecting accounts at several Nigerian banks.

What to Do After Blocking the Account

After using the emergency code:

1. Contact ProvidusUnity Bank through its current official channel.
2. Block the stolen SIM through your mobile network.
3. Change the password of the email linked to the account.
4. Change your mobile banking password.
5. Review recent transactions.
6. Report every unauthorised debit.
7. Request replacement cards where necessary.
8. Visit a branch with identification when asked.
9. Do not attempt to unblock the account through an unknown agent.

Account reactivation may require a branch visit because the bank must verify that the request comes from the real customer.

Unity Bank Bet9ja Funding Code

The legacy Unity Bank USSD platform lists this code for funding a supported Bet9ja wallet:

*7799*403*Bet9ja ID*amount#

Replace the Bet9ja ID and amount with your correct information.

For example:

*7799*403*12345678*5000#

Check the displayed user information before authorising the payment.

Betting services have age and legal restrictions. Only use the option when you are legally eligible and understand the financial risk involved.

Unity Bank USSD POS Code

Some supported merchants or POS terminals can generate a payment reference for USSD settlement.

The listed format is:

*7799*000*reference ID#

Enter the reference exactly as displayed by the merchant or terminal.

Before authorising:

• Confirm the merchant’s name.
• Check the amount.
• Make sure the transaction has not already succeeded.
• Do not disclose your transaction PIN to the POS operator.
• Collect a receipt.

A POS agent should never ask you to say your USSD PIN aloud.

How to Change Unity Bank USSD PIN

The exact menu wording may differ during the platform integration.

Try these steps:

1. Dial *7799#.
2. Select PIN Management, Settings, or a similar option.
3. Choose Change PIN.
4. Enter the current PIN.
5. Enter a new secure PIN.
6. Confirm the new PIN.
7. Wait for confirmation.

Avoid using:

• 0000
• 1111
• 1234
• Your birth year
• The last four digits of your phone number
• Your ATM card PIN
• Repeated or sequential numbers

A predictable PIN makes an account easier to compromise when a phone or SIM is stolen.

How to Reset a Forgotten Unity Bank USSD PIN

When you forget the PIN:

1. Dial *7799#.
2. Select Reset PIN, Forgot PIN, or the related option.
3. Enter the verification information requested.
4. Create a new PIN.
5. Confirm it.

If the reset option is unavailable, contact ProvidusUnity Bank or visit a branch.

Do not give your debit-card PIN, CVV, USSD PIN, password, or OTP to someone claiming to reset the service remotely.

Unity Bank USSD Code Not Working

Several problems can prevent *7799# from working.

The Bank Is Migrating Its Systems

Unity Bank now operates under ProvidusUnity Bank. A service interruption or changed menu may be connected to system integration.

Try again later or contact the bank through its current official channel.

You Are Using the Wrong SIM

Use the phone number registered with the account.

On a dual-SIM phone, select the correct SIM before dialing.

USSD Banking Is Not Registered

Dial *7799# and complete the onboarding process.

There Is Not Enough Airtime

The mobile network may charge for the session.

Recharge the SIM and try again.

The Network Signal Is Poor

Move to a location with better reception and redial the code.

The Session Timed Out

USSD menus close after a short period of inactivity.

Restart the transaction and respond promptly.

The PIN Is Incorrect

Stop after one or two failed attempts. Repeated guesses can lock the service.

Use the PIN reset option or contact the bank.

The Account Is Restricted

Incomplete identity verification, unusual activity, account migration, legal restrictions, or a security review may stop transactions.

Contact the bank for clarification.

The Direct Code Has Changed

Dial the main *7799# menu instead of a shortcut. Use the options currently shown.

Transfer Failed but I Was Debited

Do not repeat the transaction immediately.

Take these steps:

1. Check your account balance.
2. Confirm whether the recipient received the money.
3. Check transaction history in the current banking app.
4. Save the debit alert.
5. Record the date, time, amount, recipient, and reference.
6. Wait for an automatic reversal.
7. Contact the bank if the money is not reversed within the stated period.

System migration can sometimes delay transaction updates, so verify the status before trying again.

Never post your full account number, BVN, card details, PIN, or OTP on social media while requesting help.

Airtime Purchase Failed but I Was Debited

Check:

• The phone number entered
• The mobile network
• Your account balance
• The debit alert
• The recipient’s airtime balance
• Your banking transaction history

If airtime does not arrive, contact the bank and provide the transaction reference.

Do not send a second recharge until you have confirmed whether the first one succeeded.

Can I Use *7799# Without Internet?

Yes. USSD works through the mobile network and does not require mobile data or Wi-Fi.

You still need:

• Network coverage
• A working SIM
• Airtime for possible session charges
• An active account
• The registered phone number
• A valid transaction PIN

A basic feature phone can use USSD because a banking app is not required.

Can I Use *7799# From Another Phone?

Normal transactions should be completed with the SIM registered to your account.

The emergency account-blocking code is different because it was designed to let customers protect an account from another phone when their registered device is missing.

Do not attempt normal transfers from an unregistered number.

Does *7799# Work on Every Mobile Network?

The code is intended to work across major Nigerian mobile networks, but actual access can depend on:

• Network coverage
• Current USSD routing
• SIM registration
• Airtime balance
• Temporary outages
• Bank-system integration
• Account status

A failure on one occasion does not necessarily mean the code has been permanently discontinued.

Unity Bank USSD Security Tips

Protect your account by following these rules:

• Keep your transaction PIN private.
• Never disclose an OTP.
• Lock your SIM with a PIN.
• Use a screen lock on your phone.
• Check every beneficiary name.
• Avoid predictable transaction PINs.
• Do not let a POS agent enter your PIN.
• Block the account quickly after losing a phone.
• Ignore calls asking you to reverse money through a code.
• Use only current official bank contact channels.
• Review debit alerts regularly.
• Do not approve a transaction you did not initiate.
• Never install a screen-sharing app for a supposed bank agent.

A genuine customer-care representative should not ask for your full transaction PIN or OTP.

Unity Bank USSD Code Versus Mobile Banking App

The *7799# code is useful when:

• You do not have data
• Internet access is unreliable
• You use a basic phone
• You need a quick transfer
• You want to buy airtime
• You need to block an account urgently

The current ProvidusUnity mobile platform may be better for:

• Larger transfers
• Detailed transaction history
• Beneficiary management
• Account statements
• Card controls
• Scheduled payments
• More complex bill payments
• Updating profile information

Keep both channels available when possible.

Frequently Asked Questions

What is the Unity Bank USSD code?

The Unity Bank USSD code is *7799#.

Does Unity Bank still exist after the merger?

Unity Bank and Providus Bank now operate as ProvidusUnity Bank. Existing Unity customers may continue using legacy channels while integration progresses.

Does *7799# still work?

The code remains associated with legacy Unity Bank accounts at the time of this update. Availability may change as ProvidusUnity integrates its platforms.

What is the Unity Bank transfer code?

Dial *7799*1*account number*amount# for a Unity Bank account or *7799*2*account number*amount# for another bank.

What is the Unity Bank balance code?

Dial *7799*0#.

How do I buy airtime from Unity Bank?

Dial *7799*amount# for your registered number.

How do I buy airtime for another person?

Dial *7799*phone number*amount#.

What is the Unity Bank BVN code?

Dial *7799*5# and follow the prompts.

What is the Unity Bank cardless-withdrawal code?

Dial *7799*8*amount#.

How do I block a Unity Bank account?

Dial *7799*9*the registered phone number# and follow the prompts.

Can the blocking code be used from another phone?

Yes. It was introduced so customers could block an account through another mobile device when fraud was suspected.

Does Unity Bank USSD require data?

No. It uses the mobile network rather than an internet connection.

Can I use it on a small phone?

Yes. USSD works on basic phones as well as smartphones.

Why is the Unity Bank code not working?

Possible causes include system migration, wrong SIM, insufficient airtime, poor network, incomplete registration, incorrect PIN, account restrictions, or a temporary outage.

What should I do after a failed transfer?

Check your balance and confirm whether the beneficiary received the money. Do not repeat the transfer until you know its status.

Is there a fixed Unity Bank USSD transfer limit?

Limits can depend on the account, verification tier, channel, and current ProvidusUnity settings. Follow the limit displayed on your account.

Using the Unity Bank Code Safely

Dial *7799# from the phone number linked to your account to access the legacy Unity Bank USSD menu.

You can use the available options to transfer money, buy airtime, check your balance, retrieve your BVN, pay bills, request a cardless withdrawal, and secure the account without internet access.

Because Unity Bank now operates as Providus Unity Bank, pay attention to new instructions sent by the bank and do not rely permanently on an old menu screenshot. Keep your PIN private, verify every recipient, and use *7799*9*phone number# immediately when your account may be exposed.

You might like to see:

• Sterling Bank USSD Code for Transfers and More
• Polaris Bank Transfer Code to Send Money
• Fidelity Bank Airtime Code to Buy Airtime
• Union Bank Transfer Code to Send Money with USSD