UBA Bank Transfer Code – How to Activate and Send Money

The United Bank for Africa (UBA) has simplified the process with its innovative bank transfer code. This powerful tool is reshaping the way we think about transactions, offering a blend of convenience, speed, and security directly from our mobile phones.

Whether you’re a business professional on the go, a busy parent juggling daily tasks, or simply someone who values efficiency, the UBA bank transfer code is your answer to a hassle-free banking experience.

This article delves into the UBA bank transfer code, a system designed to streamline your financial activities in just a few clicks. From activating the service and creating a secure PIN to transferring funds across Nigeria, we cover all the essentials.

We’ll also highlight the remarkable benefits and features of using the transfer code, ensuring you have all the knowledge at your fingertips to make informed banking decisions.

What is the UBA Bank Transfer Code?

The UBA bank transfer code is a service provided by United Bank for Africa that allows customers to perform various financial transactions by simply dialing a USSD code on their mobile phones.

This service is part of UBA’s commitment to make banking services accessible to all segments of society, ensuring that customers can carry out banking operations with ease and convenience.

All You Need to Know About the UBA Bank Transfer Code

The transfer code service is a shortcode that provides UBA customers with a secure channel to make transfers, check account balances, pay bills, and perform other banking services without internet connectivity. This service is available 24/7 and it’s accessible on all mobile networks and phone types in Nigeria.

Read Also:

How to Activate the UBA Bank Transfer Code

Activating the UBA bank transfer code is straightforward. Follow these simple steps:

  1. Dial *919# from the phone number registered with your UBA account.
  2. Follow the prompt messages to sign up.
  3. Enter your UBA 10-digit NUBAN account number.
  4. Create a 4-digit PIN that will be used to authorize transactions.

Ensure your phone number is registered with your UBA account as this is a prerequisite for successful activation.

How to Create a UBA Bank Transfer PIN

Creating a UBA bank transfer PIN is crucial for the security of your transactions. Here’s how to create one:

  1. Dial *919# on your mobile phone.
  2. Select the option for “PIN Setup”.
  3. You will be required to input the last four digits of your UBA debit card.
  4. Create a secure 4-digit PIN.

Remember, never share your PIN with anyone. UBA will never ask for your PIN or personal banking details.

How to Transfer Money Using the UBA Bank Transfer Code

To send money to a UBA account:

  1. Dial *919*3*account number*amount#.
  2. Follow the prompt to complete the transaction with your PIN.

Transactions are processed instantly, and both you and the recipient will receive a confirmation SMS.

How to Transfer Money from UBA to Other Banks in Nigeria

The process to transfer money from UBA to other banks is similar to UBA to UBA transfers with a slight variation:

  1. Dial 919*4*account number*amount#.
  2. Select the recipient’s bank from the list of banks.
  3. Confirm the transaction details.
  4. Enter your PIN to authenticate the transaction.

The Benefits of Using the UBA Bank Transfer Code

The benefits of using the UBA transfer code are numerous, including:

  • Convenience: Perform banking transactions anywhere, anytime.
  • Speed: Transactions are completed within seconds.
  • Accessibility: It works with any mobile phone and network.
  • Security: PIN-protected and compliant with banking security standards.
  • Lower Cost: It’s cheaper than withdrawing cash or sending money through a teller.
  • No Internet Required: The service does not need data or internet connectivity.

The Features of the UBA Bank Transfer Code

The UBA bank transfer code comes with features that make it an indispensable tool for UBA customers:

  • Transfer to UBA and other banks: Easily transfer funds across Nigerian banks.
  • Airtime purchase: Buy airtime for yourself and others.
  • Bill payments: Pay utility bills, subscriptions, and other services.
  • Balance inquiry: Check your account balance on the go.
  • Mini-statement: Get a snapshot of recent transactions on your account.


The UBA bank transfer code is a testament to UBA’s dedication to providing customers with innovative and convenient banking solutions. With a straightforward activation process, robust security measures, and a multitude of features, it is designed to make everyday banking seamless for everyone. By embracing this technology, you can save time, reduce costs, and enjoy a more flexible way to manage your finances.

Remember, always keep your PIN and personal information secure, and enjoy the ease of banking right at your fingertips. For more information, visit the UBA website or contact their customer service. UBA is not just a bank, it’s a lifestyle enabler, and the UBA bank transfer code is your gateway to a modern banking experience.


How secure is the UBA bank transfer code?

The UBA transfer code is very secure. Every transaction requires a PIN, and the system has multiple layers of security to protect your funds and data.

What if I forget my PIN?

If you forget your PIN, you can reset it by dialing *919#, selecting the ‘PIN Setup’ option, and following the prompts.

Can I use the UBA bank transfer code outside Nigeria?

Yes, as long as you have roaming services activated and are using the phone number registered with your UBA account.

Are there limits to the amount I can transfer using the UBA transfer code?

Yes, there are daily limits for transfers which you can increase by contacting UBA customer service or visiting a branch.

Is there a charge for using the UBA transfer code?

There are minimal charges for transactions, which are disclosed during the transaction process.

What happens if I enter the wrong account number?

If you enter an incorrect account number, the transaction will fail as account validation is part of the process. If the account number is valid but not the intended recipient, you need to contact UBA customer care immediately for assistance.

How can I get help if I have an issue with a transaction?

You can reach out to UBA customer care through their official contact channels, including phone, email, or by visiting a UBA branch.