Union Bank USSD Codes in Nigeria (2026)

Union Bank is one of the top banks in Nigeria. While there are physical branches, a lot of people rely on the Union Bank app to perform transactions. However, there are days you are not able to use their bank app because of an unstable internet connection, or the bank app refuses to open. On these days, you need the Union Bank USSD codes in Nigeria to save the day.

So, that’s why you need to know these useful Union Bank USSD codes. The main Union Bank USSD code is *826#. With this code, you can transfer money, buy airtime, check your account balance, pay bills, open an account, and manage other banking services directly from your phone without internet access.

This guide contains the complete list of Union Bank USSD codes in Nigeria for 2026.

Quick Reference: All Union Bank USSD Codes

What You Want to Do	USSD Code
Open the main menu	*826#
Check account balance	8264#
Transfer to Union banks	*826AmountAccountNumber#
Transfer to other banks	826AmountAccountNumber#
Buy airtime for self	826Amount#
Buy airtime for others	826AmountPhoneNumber#
Pay bills	*826# → Select Bill Payments
Open a Union Bank account	8261#
Block account or ATM card	826911#
Reset USSD PIN	*826# → Select PIN reset

What Is Union Bank USSD Banking?

USSD banking allows you to perform financial transactions by dialing short codes on your mobile phone without using internet data. Union Bank USSD works on MTN, Airtel, Glo, and 9Mobile (T2 Mobile).

Union Bank USSD becomes useful when:

Your internet is unavailable.
The Union Bank app is not working.
You are using a basic phone.
You need to send money urgently.
You are in an area with weak network coverage.

How to Activate Union Bank USSD Banking

Before using the service, you need to register and set up your PIN. Here is how to go about that;

Step 1: Use the phone number linked to your Union Bank account.
Step 2: Dial *826#.
Step 3: Follow the on-screen registration prompts.
Step 4: Enter your account details if required.
Step 5: Create a 4-digit USSD PIN.
Step 6: Confirm your PIN.

Once completed, your USSD banking becomes active.

How to Transfer Money With Union Bank USSD

If you want to transfer money to a Union Bank or any Nigerian bank, the USSD code is the same.

Dial *826*AmountAccountNumber#

See an example below;

To send ₦5,000, the code will be *826*2*5000*0123456789#

After dialing, you will need to;

Confirm recipient details
Enter your USSD PIN
Complete the transaction

Note that transfers usually arrive within seconds, depending on network conditions. Also, transfer charges follow standard CBN-approved rates.

How to Buy Airtime With Union Bank USSD

If you want to buy Airtime with Union Bank USSD, follow the process below;

For Your Own Number

Dial: *826Amount#

See an example below for if you want to credit ₦500 airtime instantly to your registered number:

*826500#

For Another Number

Dial: *826Amount*PhoneNumber#

See an example to send ₦200 airtime to 08012345678:

826200*08012345678#

If you have an internet connection, you can also buy airtime or data using the Ridima app. Many people prefer this approach because of the smooth process and the cashback they enjoy. See how to get started below;

See how below;

Log in to the Ridima App, locate, and click on the “Pay Bills” Menu.
Click on the “Airtime & Data” option.
Choose either “Airtime” or “Data” and select your “Network” (MTN, Glo, Airtel, or 9mobile).
If you choose Data, then click the drop-down box to select “Data Plan.”
Carefully enter your “Phone Number” or the recipient’s Phone Number.
Enter the “Amount” you need for Airtime, while for Data, the price automatically appears once you select the data plan.
Click on “Refill,” and then you are done.

Your mobile number will be recharged, and the price will be deducted from your wallet balance.

How to Check Your Union Bank Account Balance

Here is how to check your Union Bank account balance;

Dial:

*826*4#

Enter your PIN if prompted. Your account balance will appear instantly on your screen. This helps you quickly confirm incoming transfers, salary payments, or available funds.

How to Pay Bills Using Union Bank USSD

Dial *826# and select Bill Payments.

You can pay for:

Electricity bills
DSTV, GOtv, and Startimes subscriptions
Internet subscriptions
Mobile data
Other supported services

Follow the prompts and confirm payment with your PIN.

How to Open a Union Bank Account Using USSD

If you want to open a Union Bank account, you don’t have to visit a bank. Here is how to open a basic account directly from your phone.

Dial:

*826*1#

Follow the instructions and provide the required details. Your account number will be sent via SMS. However, note that your account is limited in its function.

How to Block Your Union Bank Account

This comes in if your phone is lost or stolen. Here is how to go about it.’

Dial:

*826*911#

This immediately blocks unauthorized access and protects your account. You can also contact Union Bank customer support for further assistance.

How to Reset Your Union Bank USSD PIN

If you forget your PIN:

Step 1: Dial *826#
Step 2: Select PIN reset
Step 3: Verify your identity
Step 4: Create a new 4-digit PIN
Step 5: Confirm the PIN

Avoid using predictable combinations like 1234 or birth years.

Frequently Asked Questions About Union Bank USSD Codes in Nigeria

Here are the frequently asked questions about Union Bank USSD codes in Nigeria;

Question 1: What is the Union Bank USSD code?

The main code is *826#.

Question 2: How do I check my Union Bank balance?

Dial *826*4#.

Question 3: Can I transfer money without the app?

Yes. Dial *826AmountAccountNumber#.

Question 4: Does Union Bank USSD work without internet?

Yes. It works on a mobile network only.

Question 5: Does it work on all networks?

Yes. MTN, Airtel, Glo, and 9Mobile.

Question 6: How do I block my account if my phone is stolen?

Dial *826*911#.

Conclusion

Union Bank’s *826# USSD banking system gives customers a simple and reliable way to perform transactions without internet access. With it, you can transfer money, buy airtime, check balances, pay bills, open accounts, and secure your funds directly from your phone.

However, for a smoother experience with airtime, data, and bill payments, the Ridima app offers a faster and more flexible alternative. You will also enjoy good promotional offers.

Reference;

Union Bank USSD Codes in Nigeria (2026) – Ricki

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