Union Bank Transfer Code | How to Activate and Send Money

Union Bank of Nigeria is one of the leading commercial banks in Nigeria, with a long history of providing innovative and reliable banking services to its customers.

One of the most popular features of Union Bank is its transfer code, which allows customers to transfer money quickly and easily using their mobile phones.

Imagine being able to send money, check your account balance, and pay bills all from the comfort of your mobile phone, without having to visit a bank branch or ATM. That’s the power of Union Bank Transfer Code.

This service simplifies banking for its customers, offering a quick and secure medium to carry out transactions. In this comprehensive guide, we will delve into everything you need to know about the Union Bank Transfer Code, how to activate it, create your transfer PIN, and enjoy the myriad of benefits and features it offers.

What is Union Bank Transfer Code?

The Union Bank Transfer Code is a shortcode, *826#, provided by Union Bank Nigeria for its customers to perform various banking operations via their mobile phones.

This USSD (Unstructured Supplementary Service Data) code enables customers to send money to Union Bank accounts, other banks, check their account balance, top-up airtime, and access other banking services without the need for internet connectivity.

All You Need to Know About the Union Bank Transfer Code

Union Bank’s *826# service is designed to be quick, easy, and secure, providing customers with a range of banking services at their fingertips. With the Union Bank transfer code, customers are assured of a seamless banking experience.

This service is available 24/7, and it is accessible on all mobile devices, whether it’s a smartphone or a feature phone, as long as the phone number is registered with the bank.

How to Activate the Union Bank Transfer Code

To utilize the Union Bank Transfer Code, you must first activate the service. Here’s a step-by-step guide on how to get started:

  1. Dial *826# from the phone number linked to your Union Bank account.
  2. Follow the on-screen prompts to enroll in the USSD banking service.
  3. You will be required to enter your Union Bank account number to finalize the registration.
  4. Create a 4-digit transfer PIN which will be used to authorize transactions.

Ensure that you keep your PIN secure at all times to prevent unauthorized access to your account.

How to Create Union Bank Transfer PIN

Creating a Union Bank transfer PIN is a critical step in securing your transactions. Here’s how to create one:

  1. Dial *826# on your registered mobile phone.
  2. Select the option to create or change your PIN.
  3. Enter the last four digits of your ATM card or your account number to verify your identity.
  4. You will be prompted to create a new 4-digit PIN.

Remember, your transfer PIN is your digital signature, keep it confidential.

How to Transfer Money Using Union Bank Transfer Code

Transferring money is perhaps the most utilized feature of the *826# service. To send money to a Union Bank account:

  1. Dial *826*1*Amount*Account Number#.
  2. Confirm the account name and proceed.
  3. Input your transfer PIN to authorize the transaction.

To send money to other banks in Nigeria:

  1. Dial *826*2*Amount*Account Number#.
  2. Choose the recipient’s bank from the list of banks.
  3. Confirm the account name and details.
  4. Enter your PIN to authenticate the transfer.

How to Transfer Money from Union Bank Transfer Code to Other Banks in Nigeria

The process of sending money from your Union Bank account to other banks is simple and similar to transferring to a Union Bank account, with an additional step of selecting the recipient bank:

  1. Dial 8262AmountAccount Number#.
  2. A list of banks will be displayed; select the recipient’s bank.
  3. Confirm the account details.
  4. Enter your transfer PIN to authenticate and complete the transaction.

It’s that straightforward!

The Benefits of Using the Union Bank Transfer Code

  • Convenience: Perform banking transactions from anywhere, at any time.
  • Speed: Transactions are completed within seconds.
  • Security: Securely encrypted service, with a PIN required for transactions.
  • Ease of Use: Simple, easy-to-follow prompts for all operations.
  • Accessibility: Available on all types of mobile phones, no internet needed.
  • Cost-Effective: Lower transaction fees compared to traditional banking methods.

The Features of Union Bank Transfer Code

  • Fund Transfers: Send money to Union Bank and other bank accounts.
  • Airtime Purchase: Buy airtime for yourself and others.
  • Account Balance: Check your balance instantly.
  • Bills Payment: Pay utility bills directly from your phone.
  • Mini Statement: Get a mini statement of your recent transactions.


The Union Bank transfer code *826# offers a comprehensive suite of features that are designed to make banking as convenient and hassle-free as possible for its customers. With the detailed guidelines provided here, you are now equipped to activate and utilize the Union Bank transfer code for all your banking needs.

It’s another step towards making your financial life easier and keeping you in pace with the digital world. With the simplicity of USSD technology, it’s accessible to everyone, regardless of the type of mobile device you own. From activating the service to creating a secure PIN, and transferring funds to Union Bank and other banks across Nigeria, the process is streamlined for user ease and security.


What do I do if I forget my Union Bank transfer PIN?
If you forget your transfer PIN, you can reset it by dialing *826#, selecting the relevant option to reset PIN, and following the on-screen instructions.
Is there a limit to how much I can transfer using the Union Bank Transfer Code?
Yes, there are daily transaction limits in place for security reasons. You can increase your limit by contacting the bank directly.
Can I use the Union Bank Transfer Code on any phone?
Yes, the service is accessible on any mobile phone, whether it’s a smartphone or a basic feature phone.
Do I need internet access to use the Union Bank Transfer Code?
No, internet access is not required. The service works through USSD which operates on the voice network.
Are there charges for using the Union Bank Transfer Code?

There may be nominal fees for transactions, but checking your account balance is typically free of charge. It’s advisable to check with the bank for the current charges.