List of UBA USSD Codes for Bank Transactions

Are you a UBA account holder looking for easy and convenient way to manage your finances on the go? If so, you’re in the right place. The UBA USSD codes are your gateway to an easy mobile banking experience.

In this article, we’ll unveil all the UBA’s USSD codes, its functionalities and providing you with a guide on how to make the most out of this service.

Whether you’re interested in fund transfers, checking your account balance, or even opening a new UBA account, the USSD code provides banking convenience at your fingertips.

Now, let’s embark on this journey to discover the ins and outs of the UBA USSD code and simplify your banking experience.

The UBA USSD code is a short and convenient series of digits that serves as a unique identifier for accessing a range of banking services provided by the United Bank of Africa (UBA).

Users can dial this USSD code on their mobile phones to perform various transactions, such as fund transfers, balance inquiries, bill payments, and more, without the need for an internet connection.

It offers a simple and accessible way for UBA customers to manage their accounts and engage in financial activities using their mobile devices.

Table of Contents

1. The Rise of USSD Banking

2. UBA USSD Code for Transfers

3. Intra-Bank and Inter-Bank Transfers

4. Benefits of UBA USSD Code for Transfer

5. List of UBA USSD Codes for Various Services

6. Complet list of all UBA USSD codes

7. FAQs

8. Conclusion

The Rise of USSD Banking

The UBA has positioned itself as a leader in Nigerian banking, prioritizing customer satisfaction through advanced banking services. One such advancement is USSD mobile banking, a technology-driven solution that has become the preferred choice for mobile payments.

UBA USSD Code for Transfers

The UBA transfer code is *919# or *919*AmountNo*Amount#.

With the UBA transfer code *919#, customers can send money from their UBA accounts to another UBA account, a UBA prepaid card, or even an account in another bank.

This method is simple and it’s 24/7 availability, compatibility with all mobile networks, and the absence of the need for an internet connection.

Activation Process

Follow these steps to activate the UBA USSD code:

1. Using the phone number linked to your UBA account, dial *919#.

2. Upon dialing, a welcome message will appear on your screen. Press 1 to sign up for the UBA USSD service.

3. You’ll be presented with registration options, prompting you to choose between registering with your account number or UBA prepaid card.

4. Depending on your registration status, choose “prepaid with pin” if you have a UBA prepaid account. If not, select “Account with pin.”

5. Enter your 10-digit account number or UBA prepaid number, as applicable.

6. Create a 4-digit USSD mobile banking pin. You’ll be required to input the last 4 digits of your UBA debit card or BVN for verification.

7. Confirm your pin to complete the activation process.

Congratulations! You have now successfully activated the UBA USSD code, granting you access to a range of mobile banking services.

This activation process ensures the security of your transactions and provides a convenient channel for managing your UBA account on the go.

Intra-Bank and Inter-Bank Transfers

Whether it’s sending money to another UBA account or transferring to a prepaid card, the UBA USSD code provides a convenient way to perform both Intra-Bank (within UBA accounts) and Inter-Bank (to other banks) transfers. Here are the specific codes for these transactions:

1. Intra-Bank Transfer (UBA to UBA)

Dial *919*3*RecipientAccountNumber*Amount# on your mobile phone. For example: *919*3*1234567890*5000# to send 5000 naira to a UBA account.

2. Inter-Bank Transfer (UBA to Other Banks)

Dial *919*4*RecipientAccountNumber*Amount# on your mobile phone. For example: *919*4*0123456789*5000# to send 5000 naira to an account in another bank.

These USSD codes simplify the transfer process, allowing UBA customers to send money seamlessly to both UBA and other bank accounts.

Ensure that you use the correct recipient account number and follow the prompts to complete the transaction.

Benefits of UBA USSD Code for Transfer

The UBA USSD Code for transfer offers a range of benefits, making financial transactions convenient and accessible for customers. Here are the key benefits:

1. Safety and Security

The UBA USSD Code employs secure authentication methods, ensuring the safety of transactions. Users are required to enter a personal PIN for each transfer, enhancing security.

2. Convenience

It provides easy and convenient method for transferring funds. Customers can perform transactions anytime, anywhere, without the need to visit a physical bank branch.

3. 24/7 Availability

The USSD Code operates round the clock, enabling customers to initiate transfers at any hour, even outside traditional banking hours.

4. Accessible to all mobile networks

The service is available to users on all mobile networks in Nigeria. It  ensures widespread accessibility for UBA customers regardless of their network provider.

5. No Internet Connection Required

Unlike online banking, the USSD Code doesn’t require an internet connection. This is especially beneficial for users who may not have consistent access to the internet.

6. Unlimited Access to Financial Services

The USSD Code provides access to various financial services, including airtime purchase, bill payments, account balance checks, and more.

7. No Physical Bank Stress

Users can avoid the stress of physically visiting a bank branch for routine transactions. The USSD Code offers a quick and efficient alternative.

8. Immediate Transfer Execution

Transfers made using the USSD Code are processed instantly, ensuring that recipients receive funds promptly. This is crucial for time-sensitive transactions.

9. Flexible Transfer Limits

The USSD Code allows users to set transfer limits based on their preferences. This flexibility caters to varying financial needs and preferences.

10. Ease of Activation

Activating the UBA USSD Code is easy, requiring users to follow simple steps, including the creation of a PIN.

List of UBA USSD Codes for Various Services

Here are some common UBA USSD codes for various services:

Service USSD Code
Airtime Recharge *919*Amount#
Balance Inquiry *919*00#
Fund Transfers *919*3#
Bill Payments *919*5#
Cardless Withdrawals *919*30*Amount#
Account Opening *919*20#
Mini Statement *919*1*account number#

Complet list of all UBA USSD codes

Below is the complete list of UBA codes:

Uses UBA USSD Codes
Check balance *919*00#
Airtime for self *919*Amount#
Airtime for others *919*Phone number*Amount#
Buy data for self *919*14#
Buy data for others *919*14*Phone number#
Transfer to Uba account *919*3*Account number*Amount#
Transfer to other accounts *919*4*Account Number
Uba prepaid card *919*32#
Pay bills *919*5#
Block debit card *919*10#
Flight payment *919*12#
Open new uba account *919*20#
Freeze online transactions *919*9#
Retrieve BVN *919*18#
ATM cardless withdrawals *919*30*Amount#
Get Bank statements *919*21#
Generate OTP *919*8#
Smile data top up *919*23#
Self enrollment registration *919*0#
Bet9ja wallet funding *919*22*walletID*amount#
Baba ijebu wallet funding *919*26*1#
Betking wallet funding *919*26*amount#
Lottomania wallet funding *919*26*2#
Oak pensions *919*27*2#
ARM pensions *919*27*1#
Purchase event tickets *919*7#
Taxes and Levies *919*13#
Check LLC e-tag balance *919*16*1#
Top up LLC e-tag *919*16*2#
Dstv and Gotv payment *919*5*2#
Konga payment *919*15*RefID#


1. How do I recharge airtime using UBA USSD?

Dial *919*Amount# to recharge airtime.

2. What is the USSD code for balance inquiry?

Dial *919*00# to check your account balance.

3. How can I transfer funds using UBA USSD code?

Dial *919*3# to initiate fund transfers.

4. What is the USSD code for bill payments?

Dial *919*5# to pay bills using UBA USSD.

5. How do I perform cardless withdrawals?

Dial *919*30*Amount# for cardless withdrawals.

6. What is the USSD code for account opening?

Dial *919*20# to open a UBA account.

7. How can I get a mini statement using USSD?

Dial *919*1*account number# for a mini statement.

8. Is there a fee for using UBA USSD codes?

Standard USSD charges may apply, check with your mobile service provider.

9. Can I use UBA USSD for international transactions?

No, UBA USSD is primarily for domestic transactions.

10. What should I do if I forget my UBA USSD PIN?

Contact UBA customer support to reset your USSD PIN.


The UBA USSD code *919# emerges as a transformative tool, shaping the way customers engage with banking services. UBA’s commitment to innovation shines through, offering customers a code that unlocks unparalleled convenience and efficiency.

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