Union Bank USSD Code For Transfer, Airtime [UPDATED] 2025/2026

Banking in Nigeria has become much easier, faster, and more convenient thanks to USSD codes. With just a few digits on your phone, you can send money, buy airtime, check balances, and even open new accounts without visiting the bank or using internet data.

If you are a Union Bank customer or plan to open an account soon, knowing the Union Bank USSD code can save you time and stress.

In this article, you’ll learn everything you need to know about union bank USSD Code, from activating the code to using it for transfers, airtime, loans, and more.

let’s get started

What Is The USSD Code For Union Bank

The Union Bank USSD code is *826#.This short code allows you to carry out banking transactions directly from your mobile phone — no internet connection is required. It works on all mobile networks in Nigeria (MTN, Airtel, Glo, and 9mobile) and on both smartphones and small button phones.

• With *826#, you can: Transfer money to other Union Bank accounts or different banks
• Buy airtime for yourself or others
• Pay bills
• Check account balance
• Open a new Union Bank account
• Request loans
• Retrieve your BVN

This code is part of Union Bank’s commitment to making banking services accessible to everyone, even in areas with poor internet connectivity.

Also Read: ATM Moniepoint: A Complete Guide For Everyday Banking

How To Activate Union Bank USSD Code

Before you can start using the Union Bank USSD code, you need to activate it on your mobile number linked to your Union Bank account. Follow these simple steps:

• *Dial 826# on your mobile phone.
• Select “Register” or “Activate” (depending on your phone prompt).
• Enter your Union Bank account number.
• Create a 4-digit PIN that will be used to confirm all your transactions.
• Confirm your details and submit.

Once you’ve done this, your USSD profile will be activated, and you can start using all *826# services anytime, anywhere.

How To Fund Bet9ja Account With Union Bank USSD Code

If you are a Bet9ja user, you can easily fund your betting account using the Union Bank USSD code. Here’s how:

• Dial 826995AmountUser ID#***(For example: 82699520001234567890#)
• Confirm your Bet9ja username or ID.
• Enter your 4-digit USSD PIN to authorize the transaction.
• You will receive a confirmation message once the payment is successful.

Note: There may be small transaction charges, and your phone number must be linked to your Union Bank account.

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

Union Bank USSD Code For Account Opening

Don’t have a Union Bank account yet? No problem! You can open one directly from your phone without visiting a branch.To open a new Union Bank account using USSD:

• Dial *826# on your phone.
• Choose the “Open Account” option.
• Follow the prompts and provide your basic details like name, date of birth, and address.
• After completing the process, you’ll receive an account number via SMS.
• You can start depositing money into your new account immediately and even upgrade it later for higher limits by visiting a nearby Union Bank branch with your ID.

How To Increase Transfer Limit On Union Bank USSD Code

Union Bank provides flexible transfer limits based on the type of account you have and your verification level. To increase your transfer limit:

• Visit any Union Bank branch with a valid ID card (NIN, voter’s card, or international passport).
• Request for a USSD limit upgrade.
• Complete the required verification process.
• After the upgrade, your daily transfer limit will increase. Typically, the basic limit for USSD transactions is ₦100,000 daily, but verified users can enjoy higher limits.

How To Check Balance With Union Bank Code

To check your Union Bank account balance using the USSD code:

• Dial 8264#
• Enter your USSD PIN to confirm.
• Your current balance will be displayed on your phone screen.
• It’s that simple and works even without an internet connection.

How To Check Your Account Number Through SMS

To retrieve your Union Bank account number if you’ve forgotten it:

• Simply dial 8264#* or Send “AcctNo” to 20123 from your registered number.
• Your account number will be sent to you via SMS.

How Can I Check My Union Bank Account Balance By Missed Call?

Union Bank also offers a missed call feature for quick balance checks.To use it:

• Dial 0901 000 8286 from your registered phone number.
• The call will disconnect automatically after a few seconds.
• You’ll receive an SMS containing your current balance shortly after.
• This service is fast and does not require any airtime.

How To Change Mobile Number In Union Bank

If you have changed your phone number and want to link it to your Union Bank account, here’s what to do:

• Visit the nearest Union Bank branch.
• Go to the customer service desk and request a mobile number update form.
• Fill in your old and new mobile numbers.
• Submit the form along with a valid means of identification.
• Within 24 hours, your new number will be updated and ready for use with *826# services.

How To Log In To Union Bank Without OTP

For security reasons, Union Bank requires an OTP (One-Time Password) for most transactions. However, if you are unable to receive OTP due to network issues or SIM problems, try these steps:

• Ensure your registered phone number is active and has good signal.
• Use the Union Bank mobile app with biometric login (fingerprint or face ID) if available.
• If you still can’t receive OTP, visit any Union Bank branch to update your contact details.

Note: For safety reasons, bypassing OTP completely is not supported. It’s there to protect your account.

Union Bank USSD Code For Airtime

To recharge your phone or someone else’s using the Union Bank USSD code:

• For self-recharge: Dial 826Amount#*Example: 826500# (to buy ₦500 airtime for yourself).
• For others: Dial 826AmountRecipient’s Number#**Example: 8261000*08012345678# (to send ₦1000 airtime to another person).
• Your airtime will be credited instantly, and the amount will be deducted from your bank account.

Union Bank USSD Code For BVN

To check your Bank Verification Number (BVN) using Union Bank’s code:

• Dial 5650#*
• This code works for all banks in Nigeria, not just Union Bank.
• A small service fee (₦20) will be charged by your mobile network provider.

Union Bank USSD Code For Loan

Union Bank offers quick loans that you can access directly from your mobile phone.To apply for a loan using the USSD code:

• Dial 82641#*
• Follow the on-screen instructions to check your loan eligibility.
• Enter the loan amount you want to borrow.
• Confirm the request with your USSD PIN.
• If approved, the loan amount will be credited to your account instantly.
• You can repay through USSD or directly from your account when due.

Conclusion

The *Union Bank USSD code (826#) is one of the easiest ways to handle banking on the go. Whether you want to send money, buy airtime, check your balance, open an account, or even get a loan, this simple code has you covered — no internet, no stress.

USSD banking is designed to make financial services accessible to everyone, especially those without smartphones or stable internet. So, if you’re a Union Bank customer, start using *826# today for faster, smarter banking.

Frequent Asked Questions – FAQs

Can I Use USSD Banking On Any Phone

Yes. Union Bank USSD (826#) works on any mobile phone — both smartphones and basic feature phones.

Does USSD Banking Require Internet

No. You don’t need an internet connection to use Union Bank’s 826# service.

Is There A Service Charge For Using Union Bank USSD

Yes, a small network or transaction fee may apply depending on the service and your mobile network.

What If My Phone Number Is Not Linked To My Union Bank Account

You must register or update your phone number at any Union Bank branch to access 826# services.

Can I Transfer Money To Other Banks Using 826#

Yes. You can send money to any Nigerian bank using the USSD transfer option.

What Should I Do If I Forget My USSD PIN

Visit any Union Bank branch to reset your PIN or call UnionCare customer service for assistance.

For more information on Union Bank USSD Code, visit this blog post, https://www.unionbankng.com/services/247-banking/826-2