How to transfer money from union bank Nigeria

Last Updated on April 17, 2025 by admin

With innovative technology, Union Bank USSD provides a seamless banking experience, allowing customers to register, transfer money, buy airtime, check account balance, and pay bills all from the comfort of their mobile phones.

The service is seamless,fast, reliable and secure..Customers can bank on-the-go from the phone number that is link to their bank. There is no charges apply to all USSD for Airtime and data purchases via *826#. but N6.98 is a fee charged by your mobile network service provider, the charge does not include VAT.

A fee of N0.52 will be charged as VAT.The regular transaction fees will be charged for your transactions and other services.

Also  read: Zenith bank USSD: How to register, transfer money,buy airtime and other transaction

If you want to avoid fees charges of N6.98, kindly make use of other union bank electronic channels (UnionMobile, UnionOnline, ATMs, UnionDirect Agents, POS Terminals) and Union Bank Cards.

You can pay your cable subscription, buy airtime and data, transfer money and do much more, all from the comfort of your home or on-the-go with the UnionMobile app at no extra cost.

In this blog article, we will walk you through the steps to leverage this incredible platform effectively.

How do I enroll for Union bank ussd *826#?

. Register for USSD banking:
1- Dial *826# on your mobile phone
2- Select Register from the options provided
3- Follow the prompts to input your Union Bank account number or last 6 digit of your ATM Card
4- Create a 4-digit PIN for USSD transactions

What is the Union Bank transfer code?

Union Bank offers a convenient way to perform various banking transactions using USSD codes, which can be accessed without internet connectivity. The primary code for accessing these services is *826#, which allows customers to perform a range of operations directly from their mobile phones.

This service is particularly useful for those who need to conduct banking activities on the go, as it provides a quick and secure method to manage accounts and perform transactions.

Also read: How to enroll for Access bank Ussd, transfer money, Buy Airtime and deactivate account

How to Transfers from Union bank account

To transfer money from your Union Bank account using USSD, follow these steps:

1. To Union Bank accounts:
   • Dial *826*1*Amount*AccountNumber#
   • Follow the prompts, confirm the recipient’s details, and enter your transfer PIN to complete the transaction.
2. To other banks:
   • Dial *826*2*Amount*AccountNumber#
   • Select the recipient’s bank from the list provided.
   • Confirm the details and enter your transfer PIN to finalize the transaction.

Make sure you’re using the mobile number linked to your Union Bank account

The USSD service provided by Union Bank is not only limited to transfers but also includes a variety of other banking services. Customers can check their account balance using *826*4#, purchase airtime for themselves or others, and even perform cardless withdrawals.

How to buy Airtime from Union bank

To buy airtime from your Union Bank account using USSD, follow these steps:

1. For Self-Recharge:
   • Dial *826*Amount# on your registered mobile number.
   • For example, to recharge ₦1,000, dial *826*1000#.
   • Confirm the transaction with your 4-digit USSD PIN.
2. For Third-Party Recharge:
   • Dial *826*Amount*Recipient’s Phone Number#.
   • For example, to send ₦500 to another number, dial *826*500*08012345678#.
   • Enter your USSD PIN to authorize the recharge.

You’ll receive a notification confirming the successful airtime purchase

Read: FCMB USSD Code – How to Register, transfer money, buy airtime

How to check Union Bnak account balance 

To check your Union Bank account balance using USSD, follow these steps:

1. Dial *826*4#* on your registered mobile number.
2. Follow the prompts and enter your 4-digit PIN.
3. Your account balance will be displayed on your screen.

This method is quick and doesn’t require an internet connection

How to buy Data from union bank

You can buy data from Union Bank in different ways using  USSD code for purchasing data. However, you can follow these steps to buy data indirectly:

1. Buy Airtime Using USSD:
   • Dial *826*Amount# to recharge your own phone number.
2. Convert Airtime to Data:
   • After recharging, go to your mobile network provider’s platform (e.g., MTN, Airtel, Glo, or 9Mobile) and purchase data using the airtime you just loaded. dial *312# to buy data

Also you can Dial *826*9# on your mobile phone that is registered with your Union Bank account. 

2.A menu will appear, prompting you to select your mobile network provider (e.g., MTN, Airtel, Glo, 9mobile).

3.Choose your network.

4.You will then be presented with different data plan options or bundles.

5.Select the desired data plan.

6.Confirm the purchase, and the corresponding amount will be deducted from your Union Bank account. The data will be credited to your mobile phone number instantly.

This process ensures you can buy data even if Union Bank doesn’t have a direct data purchase option

How to pay Bills payment

To pay bills using Union Bank’s USSD service, follow these steps:

1. Dial *826# on your registered mobile number.
2. Select the “Pay Bills” option from the menu.
3. Choose the type of bill you want to pay (e.g., electricity, cable TV, etc.).
4. Enter the required details, such as your customer ID or account number with the service provider.
5. Confirm the payment by entering your 4-digit USSD PIN.

This method is quick and doesn’t require internet access

OR

To enable you pay bills such as Gotv, Dstv and Nepa bills from your union bank account using ussd code kindly dial *826*28*amount*userID#

How to Block your Union bank  account from other phone numbers

To block your Union Bank account from another phone number, follow these steps:

1. Dial *826*6 *YourRegisteredPhoneNumber# from any phone.
2. Follow the prompts to confirm the account you want to block.

This feature is helpful if your registered phone is lost or stolen

How to (block and unblock Union bank card)

To block and unblock your Union Bank card using the USSD code *826*21#*, follow these steps:

Blocking Your Card

1. Dial *826*21# on your registered mobile number.
2. Select the option to block your card.
3. Confirm the action by entering your 4-digit USSD PIN.

Unblocking Your Card

1. Dial *826*21# again on your registered mobile number.
2. Choose the option to unblock your card.
3. Confirm the action by entering your 4-digit USSD PIN.

This method is quick and secure, ensuring you can manage your card conveniently

Union bank Cardless withdrawal

To perform a cardless withdrawal from Union Bank using USSD, follow these steps:

1. Dial *826*7*Amount# (e.g., *826*7*5000# for N5,000) on your registered mobile number.
2. Enter your 4-digit USSD PIN to confirm the transaction.
3. You will receive an SMS containing a Pay Code and a One-Time Password (OTP).
4. Visit any Union Bank ATM, select “Cardless Withdrawal,” and enter the Pay Code and OTP to retrieve your cash.

This method is secure and convenient, especially if you don’t have your physical card with you.

Read: How to Block Gtbank and Zenith Bank ATM Debit Card in case of fraud

How to increase Union bank transfer Limit

To increase the amount of money your can transfer from your union bank using ussd code kindly dial *826*8# and follow the prompt message.

The typical daily transfer limit for Union Bank USSD transactions is around ₦100,000, often in tranches of ₦20,000 per transaction.

Union Bank Data capture after enrolment

To complete Union Bank’s data capture process after enrollment using USSD, follow these steps:

1. Dial *826*3*AccountNumber# on your registered mobile number.
2. Follow the prompts to provide any additional required information.
3. Confirm the process to finalize your data capture.

This ensures your account is fully updated and ready for seamless transactions.

Conclusion:

With Union Bank USSD, banking has never been so convenient. By following the straightforward steps outlined above, you can seamlessly register, transfer money, buy airtime, check your account balance, and pay bills with just a few taps on your mobile phone