How To Activate Unity Bank USSD Code: Step By Step Guide

In today’s digital world, banking has gone beyond standing in long queues or waiting for hours just to perform simple transactions. With Unity Bank USSD code, you can now send money, check your balance, buy airtime, and pay bills all from the comfort of your home or anywhere you are, using just your mobile phone.

Whether you use a smartphone or a basic mobile phone, Unity Bank has made banking simple, fast, and secure for everyone.

In this guide, we’ll explain everything you need to know about the Unity Bank USSD code, including how to activate it, use it for transfers, airtime recharge, checking your balance, and much more.

Also Read: How To Open PalmPay Account In Nigeria 2025/2026 Guide

What Is The USSD Code For Unity Bank

The USSD code for Unity Bank is *7799#. This code works on any mobile phone (feature phone or smartphone) and on all major networks in Nigeria (MTN, Glo, Airtel, 9mobile) as long as the phone number is linked to your Unity Bank account.

Because it’s a short, easy code, Unity Bank emphasises that it’s one of the simpler ways to access banking services without needing internet or an app.

Also Read: Fidelity Bank Transfer Code For Airtime, Data 2025/2026

Is Unity Bank USSD Code Secure

Yes, the Unity Bank USSD code is 100% secure.It uses advanced encryption and PIN protection to ensure your money and personal information are safe.

Every transaction requires your personal 4-digit PIN, so even if your phone gets into the wrong hands, no one can access your bank account without your secret PIN.

To Stay Extra Safe:

• Never share your PIN with anyone, not even bank staff.
• Always log out properly or end your session after each transaction.
• Avoid using public Wi-Fi or sharing your phone when performing banking transactions.

How To Activate Unity Bank USSD Code

To start using the Unity Bank USSD code (*7799#), you must first activate it on your registered phone number. Follow these simple steps:

• Dial *7799# on the phone number linked to your Unity Bank account
• Select “Register” or “Create PIN” from the options.
• Enter your Unity Bank account number
• Create a 4-digit transaction PIN (something you can easily remember)
• Confirm your PIN

That’s it! You have successfully activated your Unity Bank USSD banking service.You can now send money, check your balance, buy airtime, and perform many other transactions easily.

What Is The USSD Code For Unity Bank Transfer

The Unity Bank transfer code is *77991AccountNumber*Amount#.

For example, if you want to send ₦5,000 to another Unity Bank account with account number 1234567890, simply dial: *779911234567890*5000# Follow the prompts, enter your PIN, and your transaction will be completed instantly.

You can also use the same code to transfer to other banks in Nigeria. Just select “Transfer to other bank,” enter the recipient’s details, and confirm with your PIN.

What Is The Code For Unity Bank Transfer To Opay

To transfer money from Unity Bank to Opay using the USSD code, follow these steps:

• Dial *77991OpayAccountNumber*Amount#
• Select “Other Banks” from the list
• Choose “Opay” as the destination bank
• Enter your PIN to confirm
• The money will reflect in your Opay wallet immediately

What Is The Unity Bank USSD Code For Recharge Card

Unity Bank allows you to buy airtime for yourself or others in seconds.

To recharge your own line, dial *7799*Amount# (Example: *7799500# to recharge ₦500)*To recharge another number, dial:*7799PhoneNumberAmount#(Example: *7799080123456781000# to send ₦1,000 airtime to someone) It’s instant, secure, and available 24/7.

What Is The Unity Bank USSD Code To Check Balance

To check your Unity Bank account balance, simply dial: *7799*0#You’ll be prompted to enter your PIN, and your current account balance will be displayed on your screen.

This feature is useful for tracking your spending and ensuring your account remains active.

What Is The Unity Bank USSD Code For Account Number

If you forget your Unity Bank account number, don’t panic. You can retrieve it using the USSD code.

Simply dial: *7799*5#Your account number will be displayed on your phone after entering your PIN.

How To Reset Unity Bank USSD PIN

If you forget your USSD PIN or want to change it for security reasons, follow these simple steps:

• Dial *7799#
• Select “Reset PIN” or “Change PIN”
• Enter your old PIN (if changing) or choose “Forgot PIN” (if you can’t remember it)
• Create a new 4-digit PIN
• Confirm your new PIN
• Your new PIN becomes active immediately, and you can continue using your USSD banking safely.

Unity Bank USSD Transfer Limit

Unity Bank sets transfer limits to protect customers from fraud and errors.

• Daily transfer limit: ₦100,000
• Airtime purchase limit: ₦10,000 per day

If you need to increase your daily transfer limit, you can visit the nearest Unity Bank branch or use the Unity Bank mobile app for higher transactions.

How to Contact Unity Bank Customer Care

If you have any issues or need assistance with your USSD transactions, Unity Bank’s customer care is always ready to help.

Here’s how you can contact them:

• Phone: +234 705 732 3226 or 07080666000
• Email: we_care@unitybankng.com
• Website: www.unitybankng.com
• Social Media:
• Facebook: @UnityBankPlcTwitter/
• X: @UnityBankPlc
• Instagram: @UnityBankPlc

You can also visit any Unity Bank branch nationwide for face-to-face support.

How Do I Activate Unity Bank Mobile Banking

Apart from the USSD code, Unity Bank also offers mobile banking through its app, which gives you access to even more features.To activate:

• Go to the Google Play Store or Apple App Store and download the Unity Bank Mobile App.
• Open the app and select “Register.”
• Enter your account number and follow the on-screen instructions.
• Create a password and transaction PIN.
• Log in and start banking instantly.

The Unity Bank mobile app allows you to pay bills, buy data, transfer funds, and manage your finances easily.

Conclusion

The Unity Bank USSD code (*7799#) has made banking truly simple for millions of Nigerians. Whether you’re in the city or a rural area, you can manage your account, transfer funds, or buy airtime without internet or visiting a bank branch.It’s secure, reliable, and available round the clock.

If you haven’t activated your USSD code yet, dial *7799# today and enjoy the freedom of convenient banking with Unity Bank.

Frequent Asked Questions – FAQs

How Old Is Unity Bank In Nigeria

Unity Bank Plc was established in 2006 after the merger of nine financial institutions. It has since grown to become one of Nigeria’s leading retail banks with branches nationwide.

As of 2025, Unity Bank is 19 years old and continues to provide reliable financial services to millions of Nigerians.

Why Is My Unity Bank USSD Code Not Working?

If your Unity Bank USSD code isn’t working, here are possible reasons and solutions:

• You’re using an unregistered number: Ensure you’re dialing *7799# on the phone number linked to your Unity Bank account.
• Network issues: Sometimes, network providers experience temporary downtime. Wait a few minutes and try again.
• Insufficient airtime: Ensure you have at least ₦5 on your line before dialing the code.
• Service suspension: If your account is inactive or restricted, contact Unity Bank customer care for assistance.

What Is The Secret Code Of Unity Bank

The “secret code” of Unity Bank is simply the official USSD code *7799#, used for mobile banking transactions.It’s called “secret” by some customers because it gives you full access to your account directly from your phone, without visiting the bank or needing internet access.

Why You Should Use Unity Bank USSD Code

Here are some major benefits of using the Unity Bank USSD code:

• No Internet Required: Works perfectly on basic phones and in areas with poor internet connectivity.
• 24/7 Availability: You can perform transactions anytime, including weekends and public holidays.
• Fast and Convenient: Send money, pay bills, and recharge airtime within seconds.
• Secure: Every transaction requires your unique PIN.
• Accessible Nationwide: Works with all Nigerian mobile networks.

For more information on Unity Bank USSD Code, visit this blog post, https://monierate.com/ng/ussd-codes/banks/unitybank