UBA Bank USSD Code For Transfer: [UPDATED] 2025/2026 -

UBA Bank USSD Code for Transfer: Banking in Nigeria has become faster and easier thanks to USSD banking. With just a few clicks on your phone, you can transfer money, check your balance, buy airtime, or even pay bills — without needing an internet connection.

If you bank with United Bank for Africa (UBA), you don’t need to visit the branch to perform basic transactions. All you need is the UBA USSD code, also known as the UBA transfer code, to access banking services right from your mobile phone.

Also Read: PalmPay USSD Code For Data, Airtime [UPDATED] 2025/2026

In this blog post, you’ll learn everything you need to know about the UBA Bank USSD code for transfer, how to activate it, create your PIN, and perform different banking transactions safely and conveniently.

let’s get started

What Is The New UBA USSD Code

The new UBA USSD code is *919#.

This simple code gives you access to all UBA banking services directly from your mobile phone. It works on all major networks in Nigeria — MTN, Glo, Airtel, and 9mobile — and it doesn’t require internet access. Once activated, you can use *919# to:

Transfer money to UBA or other banks
Check your account balance
Buy airtime or data
Pay bills (DSTV, PHCN, etc.)Open a UBA account instantly
Access loan and savings services

The beauty of this service is that it works 24/7, even on weekends or public holidays.

Also Read: How To Activate OPay USSD Code 2025/2026

How To Create USSD Code For UBA

To start using the UBA USSD code, you first need to register or activate it. Here’s how to do it:

Dial *919# from the phone number linked to your UBA account.
Select the option to “Register” or “Activate.”
Follow the on-screen prompts to enter your UBA account number.
Create a 4-digit PIN — this will be your transfer PIN for future transactions.
Confirm your PIN, and you’re done!
Once activation is complete, you can start using *919# to perform transactions immediately.

How To Create UBA Transfer PIN Without Card

If you don’t have your ATM card, you can still create your UBA transfer PIN using the USSD code. Follow these steps:

Dial *919# on your registered mobile number.
Choose “Sign up” or “Register with Account Number.”
Enter your account number.
Follow the prompts to create your 4-digit PIN without needing your debit card details.
After setting your PIN, you’ll be able to send money, buy airtime, or pay bills with ease.

Note: Always keep your PIN private and never share it with anyone.

What Are The Transaction Limits Available On USSD

Knowing the limits helps you plan your transactions safely and avoid being blocked. According to UBA’s FAQs:

For PIN-authenticated USSD transfers: ₦20,000 per transaction and ₦20,000 per day (for the basic level) – note: this may update over time.
With token/authentication enhancements: up to ₦1,000,000 per transaction and ₦1,000,000 per day (for customers with “token and indemnity”)
For airtime purchase via USSD: limited to ₦5,000 per day.

Always check with UBA directly to confirm the current limits applicable to your account tier, as banks can update them.

How To Transfer Money From UBA Bank To Another Bank

Once your USSD banking is activated, transferring money is very easy. Follow these steps:

Dial *919# on your mobile phone.
Select “Transfer Money.”
Choose “Other Banks” if you are sending to another bank.
Enter the recipient’s account number.
Select the bank name.
Input the amount you want to transfer.
Enter your 4-digit transfer PIN to confirm.
You will receive an SMS notification confirming your transaction.

What Are The Codes For Bank Transfers

UBA offers multiple codes for various banking operations under the same USSD platform. Below is a quick table showing the most common UBA transfer codes:

Transaction Type	USSD Code	Description
UBA to UBA Transfer	9193Account NumberAmount#	Transfer money from your UBA account to another UBA account instantly.
UBA to Other Banks Transfer	9194Account NumberAmount#	Send money from your UBA account to other Nigerian banks.
Airtime Recharge (Self)	919Amount#	Buy airtime for your registered UBA mobile number.
Airtime Recharge (Others)	919Phone Number*Amount#	Recharge airtime for friends or family on any network.
Check Account Balance	91900#	View your current UBA account balance.
Open UBA Account	91920#	Open a new UBA savings account instantly using USSD.
Bill Payments	9195#	Pay for utilities such as DSTV, PHCN, GOTV, and more.
Mini Statement	91921#	Check your recent transactions and mini account statement.

How To Transfer Money From UBA Bank To Opay

Transferring money from your UBA account to Opay is simple using USSD:

Dial *919#.
Select “Transfer Money.”
Choose “Other Banks.”
Enter the Opay account number.
Select “PAYCOM (Opay)” as the destination bank.
Enter the amount and confirm with your PIN.
The money will be sent instantly, and you’ll get an SMS confirmation.

How Do I Register For USSD (Magic Banking)

The term “Magic Banking” is sometimes used by UBA (especially in other countries like Ghana) to describe their USSD service. But in Nigeria the service is still based around *919#. Here’s how to register:

Dial *919# on the mobile number linked to your UBA account.
If you see an option for “Register / Enrol for USSD Banking”, select it.
Input your account details and set your 4-digit transaction PIN.
Confirm the registration and wait for a success message.
You’re now able to use the USSD service for transfers, balance checks, airtime top-ups, bill payments, etc.

How Long Is A UBA Transfer Code

The UBA transfer code (*919#) is short and easy to remember.When performing a transaction, the full code varies depending on the operation. For example:

To transfer ₦1,000 to a UBA account: *919*3*1234567890*1000#
To transfer ₦500 to another bank: *919*4*0987654321*500#
Each code usually contains the base *919# plus the transaction details.

How To Activate UBA Mobile Banking

If you want a more advanced way to bank, you can use the UBA Mobile App. Here’s how to activate it:

Download the UBA Mobile App from Google Play Store or Apple App Store.
Open the app and select “Register.”
Enter your account number and verify your phone number.
Create a strong password and transaction PIN.
Log in and start banking immediately.
You can use the app to do more advanced tasks like viewing statements, requesting a new card, and setting spending limits.

How Do I Check My UBA Account Balance With USSD

Checking your UBA account balance is quick and simple:

Dial *919*00# from your registered phone number.
Enter your 4-digit PIN.
Your account balance will appear on your screen instantly.
You’ll also receive an SMS confirmation after the transaction.

Conclusion

The UBA Bank USSD code for transfer (*919#) is one of the easiest and fastest ways to bank in Nigeria. It works on any mobile phone and network, doesn’t need internet access, and is available 24/7.

With *919#, you can transfer money, check your balance, pay bills, and even open a new UBA account — all from the comfort of your home.

If you haven’t activated your UBA USSD service yet, follow the simple steps in this guide and enjoy fast, secure, and convenient banking today.

Frequent Asked Questions – FAQs

Is UBA USSD Available 24/7

Yes, UBA’s USSD code works 24 hours a day, 7 days a week, including weekends and public holidays.

Does Every UBA Branch Use The Same Code

Yes, all UBA branches use the same USSD code *919#. It’s universal across Nigeria.

Is UBA USSD The Same As Mobile Banking

No. While both offer similar services, USSD banking doesn’t require internet, whereas mobile banking uses the internet via an app.

Can You Set Up Online Banking Without Going To The Bank

Yes. You can activate UBA online or mobile banking from your phone without visiting the branch.

Can I Do A Bank Transfer Without Online Banking

Yes. With the UBA USSD code *919#, you can transfer money even without internet access.

Which Code Can I Use To Check My UBA Account

Use *919*00# to check your UBA account balance instantly.

Why Is The UBA Transfer Code Not Working

This may happen if:

You’re using an unregistered phone number
There’s no mobile network signal
Your account is restricted
You entered the wrong PIN
Try again later or contact UBA customer care for help.

What Is The Safest Device To Do Online Banking

A personal smartphone with a strong password and no public Wi-Fi connection is the safest option. Always keep your banking details private.

I Forgot My PIN. How Can I Change/reset My PIN

Dial *919# from your registered number, select the PIN setup/reset option. If this fails, visit a UBA branch via: (UBA Group) or contact UBA Customer Support.

Can I Have Both My Account And Prepaid Card Registered On The Same Profile

Yes—if your mobile number is registered and linked to both the account and the UBA prepaid card, you should be able to use USSD banking for both.

What Do I Need To Qualify For This Service

You’ll need an active UBA account, a mobile number registered with that account, and you may need to set your USSD PIN. Then you can enrol for the USSD service.

For more information on UBA Bank USSD Code for Transfer, visit this blog post, https://www.ubagroup.com/nigeria/personal-banking/digital-banking/919-ussd-banking

UBA Bank USSD Code For Transfer: [UPDATED] 2025/2026