{"id":9655,"date":"2025-08-14T17:03:47","date_gmt":"2025-08-14T17:03:47","guid":{"rendered":"https:\/\/dtunes.ng\/blog\/?p=9655"},"modified":"2026-05-17T23:25:51","modified_gmt":"2026-05-17T23:25:51","slug":"uba-ussd-codes","status":"publish","type":"post","link":"https:\/\/dtunes.ng\/blog\/uba-ussd-codes\/","title":{"rendered":"UBA USSD Codes Updated (2025): Check Balance, Transfers, Airtime, and More"},"content":{"rendered":"\n

The first time I used UBA’s *919# code, I was at a wedding in Ibadan. My cousin needed \u20a67,000 transferred to his account right then so he could settle the photographer before the couple’s first dance. My data was crawling. The UBA app wouldn’t open. I was about to look bad.<\/p>\n\n\n\n

Then I remembered the bank’s old jingle. “Magic Banking. Just dial *919#.”<\/p>\n\n\n\n

I dialed it, entered my PIN, sent the money, and the photographer started rolling within two minutes. The couple danced. My cousin owed me a bottle. Crisis averted.<\/p>\n\n\n\n

That’s the moment most Nigerians realize how useful USSD banking actually is. You don’t need it every day. But the day you need it, no app or internet connection can replace it.<\/p>\n\n\n\n

This guide covers every UBA Bank USSD code worth knowing in 2026. The verified ones (some popular pages on the internet have wrong codes), the real daily limits, the registration steps if you’re starting fresh, what to do when transactions fail, and the security habits that keep your money safe. Everything you need is on this page. No fluff.<\/p>\n\n\n\n

What is the UBA USSD Code?<\/strong><\/h2>\n\n\n\n

UBA Bank’s USSD code is *919#<\/strong>, and the service is officially called UBA Magic Banking.<\/p>\n\n\n\n

Dial it from the phone number linked to your UBA account, follow the menu prompts, and confirm with your 4-digit PIN. It works on every Nigerian network (MTN, Airtel, Glo, 9mobile) and on every type of phone, from a basic Nokia to the latest iPhone. No internet needed.<\/p>\n\n\n\n

Each USSD session costs \u20a66.98 in network charges. Most transactions are free beyond that, though bank transfers to other banks may attract a small fee.<\/p>\n\n\n\n

Now, the full list of codes.<\/p>\n\n\n\n

Complete List of UBA USSD Codes in 2026<\/h3>\n\n\n\n

Below is the full, verified list of UBA Magic Banking codes organized by category. Bookmark this section.<\/p>\n\n\n\n

Account Management Codes<\/h4>\n\n\n\n
Action<\/th>USSD Code<\/th><\/tr><\/thead>
Open main menu<\/td>*919#<\/td><\/tr>
Open a new UBA account<\/td>*919<\/em>820#<\/td><\/tr>
Register \/ activate USSD<\/td>*919# (first time)<\/td><\/tr>
Check account balance<\/td>*919<\/em>*00#<\/td><\/tr>
Check BVN<\/td>*919*<\/em>8#<\/td><\/tr>
Change USSD PIN<\/td>*919*<\/em>0# \u2192 PIN Setup<\/td><\/tr>
Block account (lost phone)<\/td>*919<\/em>*10#<\/td><\/tr>
Reset PIN<\/td>*919# \u2192 Settings \u2192 Reset PIN<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Transfer Codes<\/h4>\n\n\n\n
Action<\/th>USSD Code<\/th><\/tr><\/thead>
Send to another UBA account<\/td>*919*<\/em>3*AccountNumber<\/em>*Amount#<\/td><\/tr>
Send to other banks<\/td>*919*<\/em>4*AccountNumber<\/em>*Amount#<\/td><\/tr>
Send to microfinance banks \/ mobile wallets<\/td>*919*<\/em>6#<\/td><\/tr>
Transfer to UBA prepaid card<\/td>*919*<\/em>32#<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

H3: Airtime and Data Codes<\/h4>\n\n\n\n
Action<\/th>USSD Code<\/th><\/tr><\/thead>
Buy airtime for yourself<\/td>*919*<\/em>Amount#<\/td><\/tr>
Buy airtime for another number<\/td>*919*<\/em>PhoneNumber*Amount#<\/td><\/tr>
Buy data<\/td>*919# \u2192 Buy Data<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

H3: Bills and Special Codes<\/h4>\n\n\n\n
Action<\/th>USSD Code<\/th><\/tr><\/thead>
Pay bills (DSTV, GOtv, electricity)<\/td>*919<\/em>*5#<\/td><\/tr>
Pay for flights<\/td>*919*<\/em>12#<\/td><\/tr>
Apply for a quick loan<\/td>*919*<\/em>28#<\/td><\/tr>
Cardless withdrawal<\/td>*919*<\/em>30*Amount#<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

What is the UBA?<\/strong><\/h2>\n\n\n\n

United Africa Bank<\/a> popularly known as UBA is one the biggest names in Nigerian banking institutions. With so many branches across the nation and some African countries.<\/p>\n\n\n\n

Before we go deeper, a quick correction worth making. UBA stands for United Bank for Africa<\/strong>, not “United Africa Bank” as it’s sometimes called online. It’s a small but important distinction, especially because UBA is one of the most established names in African banking.<\/p>\n\n\n\n

Founded in 1949, UBA serves over 35 million customers across 20 African countries, the United States, the United Kingdom, France, and the UAE. In Nigeria, it has more than 1,000 branches and is one of the four main banks Nigerians rely on daily. The *919# Magic Banking service was built specifically to extend access to people who don’t always have data or who use basic phones, which still covers a huge portion of the country.<\/p>\n\n\n\n

How to Activate Your UBA USSD Code (First-Time Users)<\/h2>\n\n\n\n

If this is your first time using *919#, you have to activate it. The process takes about three minutes and you don’t need to visit a branch.<\/p>\n\n\n\n

You’ll need one of two things to register: your UBA account number OR your UBA debit card (the last 4 digits will do).<\/p>\n\n\n\n

    \n
  1. Make sure you’re using the phone number registered with your UBA account.<\/li>\n\n\n\n
  2. Dial *919#<\/strong> on your phone.<\/li>\n\n\n\n
  3. You’ll get a prompt to accept the \u20a66.98 network charge. Accept.<\/li>\n\n\n\n
  4. Select “Magic Banking”<\/strong> or “Self-Banking”<\/strong> from the menu.<\/li>\n\n\n\n
  5. Choose your registration method: Account with PIN<\/strong> (uses your account number) or Prepaid with PIN<\/strong> (uses your debit card).<\/li>\n\n\n\n
  6. Enter the required details when prompted.<\/li>\n\n\n\n
  7. Create a 4-digit PIN. Avoid the obvious ones: 1234, 0000, your birth year, your account’s last 4 digits. Pick something only you would know.<\/li>\n\n\n\n
  8. Confirm the PIN by entering it again.<\/li>\n<\/ol>\n\n\n\n

    That’s it. You’ll get a confirmation message, and *919# is now active on your number.<\/p>\n\n\n\n

    One important note:<\/strong> UBA does not assign a default PIN. The PIN you create during registration is yours alone. If anyone ever asks you for it, including someone claiming to be from the bank, do not share it. UBA’s customer service will never ask for your USSD PIN.<\/p>\n\n\n\n

    How to Check Your UBA Account Balance with USSD<\/h2>\n\n\n\n

    The fastest way to confirm what’s in your account.<\/p>\n\n\n\n

      \n
    1. Dial *919*00#<\/strong> on your registered phone number.<\/li>\n\n\n\n
    2. Enter your 4-digit USSD PIN when prompted.<\/li>\n\n\n\n
    3. Your balance shows on the screen immediately and also arrives by SMS.<\/li>\n<\/ol>\n\n\n\n

      UBA charges \u20a610 per balance inquiry (deducted by your network) on top of the \u20a66.98 session fee. If you check your balance daily, this adds up. For regular monitoring, the UBA mobile app or internet banking are free.<\/p>\n\n\n\n

      How to Transfer Money with the UBA USSD Code<\/h2>\n\n\n\n

      This is the main reason most people use *919#. You can send money to other UBA customers and to any Nigerian bank.<\/p>\n\n\n\n

      Sending to Another UBA Account<\/h3>\n\n\n\n
        \n
      1. Dial *919*3*<\/em>AccountNumber*Amount#<\/strong>.<\/li>\n\n\n\n
      2. Confirm the recipient’s name on the screen. Always check this. A wrong digit means your money goes to a stranger and you’ll spend weeks trying to recover it.<\/li>\n\n\n\n
      3. Enter your USSD PIN.<\/li>\n\n\n\n
      4. Both you and the recipient get instant SMS notifications.<\/li>\n<\/ol>\n\n\n\n

        Example:<\/strong> To send \u20a65,000 to UBA account 1234567890, dial *919*3<\/em>*1234567890*5000#<\/strong> and confirm.<\/p>\n\n\n\n

        Sending to Other Banks (GTBank, Access, Zenith, Opay, PalmPay, etc.)<\/h3>\n\n\n\n
          \n
        1. Dial *919*4*<\/em>AccountNumber*Amount#<\/strong>.<\/li>\n\n\n\n
        2. Confirm the recipient’s name on screen.<\/li>\n\n\n\n
        3. Select the bank from the list, or type the first three letters (Acc for Access, Opa for Opay, Pal for PalmPay).<\/li>\n\n\n\n
        4. Enter your PIN.<\/li>\n<\/ol>\n\n\n\n

          Example:<\/strong> To send \u20a610,000 to an Access Bank account 0123456789, dial *919*4<\/em>0*123456789*10000#<\/strong> and follow the prompts.<\/p>\n\n\n\n

          UBA USSD Transfer Limits (Read This Carefully)<\/h2>\n\n\n\n

          This is where most articles get it wrong, so pay attention.<\/p>\n\n\n\n

          UBA has two tiers of USSD users:<\/p>\n\n\n\n

          Standard PIN users (default):<\/strong><\/p>\n\n\n\n