Unity Bank Transfer Code | How to Activate and Send Money

The need for quick and easy banking solutions is more critical than ever. One such solution is the Unity Bank Transfer Code, a simple, secure, and swift way to carry out financial transactions right from the comfort of your phone.

The Unity Bank Transfer Code, also known as the USSD Code, is a unique service that allows Unity Bank customers to initiate various banking transactions using their mobile phones, even without an internet connection. This code simplifies the process of transferring money, checking account balances, and performing other essential banking tasks.

We will walk you through the simple steps involved in activating and using the Unity Bank Transfer Code, empowering you to transfer money quickly, easily, and securely.

What is Unity Bank Transfer Code?

The Unity Bank Transfer Code is a USSD (Unstructured Supplementary Service Data) code that enables customers of Unity Bank in Nigeria to execute financial transactions directly from their mobile phones without the need for internet data.

This service is part of the bank’s commitment to providing convenient banking solutions. Whether it’s sending money, checking account balances, or paying bills, the transfer code makes banking accessible to all Unity Bank customers 24/7.

All You Need to Know About the Unity Bank Transfer Code

Unity Bank’s USSD service is a testament to the bank’s innovative approach to banking. The service is designed to be straightforward, making it easy for anyone with a mobile phone.

It’s compatible with any phone type, whether a feature phone or a smartphone, which means you don’t need the latest device to access your money. With a few simple steps, you can perform transactions securely.

How to Activate the Unity Bank Transfer Code

Activating the Unity Bank Transfer Code is your first step towards hassle-free banking. Here’s how to get started:

  1. Register by dialing *7799# from the phone number linked to your Unity Bank account.
  2. Follow the prompt on the screen to set up your account for USSD transactions, including creating a secure 4-digit PIN that will be used to authorize transactions.

Please note that this process is for customers with an account with Unity Bank. If you do not have an account, you must visit a branch to open one.

How to Create Unity Bank Transfer PIN

The security of your transactions is paramount, so creating a transfer PIN is a critical step. Here’s how you can create your Unity Bank Transfer PIN:

  1. Dial *7799# on your registered phone number.
  2. Choose the option for “PIN Setup” from the menu.
  3. Enter a 4-digit PIN that you will easily remember but is hard for others to guess.
  4. Confirm your PIN by entering it again when prompted.

Remember, your PIN is your key to secure banking, so keep it secret and never share it with anyone.

How to Transfer Money Using Unity Bank Transfer Code

Transferring money is a breeze with the Unity Bank Transfer Code. To send money to another Unity Bank account, follow these steps:

  1. Dial *7799*1*Account Number*Amount# (e.g., *7799*1*1234567890*5000#).
  2. Confirm the account name of the recipient.
  3. Enter your PIN to authenticate the transaction.

Your transfer is completed instantly, and both you and the recipient will receive a confirmation message.

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

To send money to accounts in other banks within Nigeria:

  1. Dial *7799*2*Account Number*Amount# (e.g., *7799*2*1234567890*5000#).
  2. Select the recipient’s bank from the list provided.
  3. Confirm the account name of the recipient.
  4. Enter your PIN to authorize the transaction.

Transfers to other banks may attract a nominal fee, and it’s always good to ensure that you have the correct account details of the recipient to avoid errors.

The Benefits of Using the Unity Bank Transfer Code

The Unity Bank Transfer Code comes with an array of benefits:

  • Convenience: Bank anywhere, anytime without internet access.
  • Speed: Transactions are completed in seconds.
  • Ease of Use: Simple and easy-to-remember code for all transactions.
  • Security: PIN-protected services keep your money safe.
  • 24/7 Availability: Banking services that don’t sleep are available round the clock.
  • No Need for Hardware: No token or hardware is required for transactions.
  • Low Cost: Minimal charges on transactions compared to ATM or branch transactions.

The Features of Unity Bank Transfer Code

The features of the Unity Bank Transfer Code extend beyond just transferring money. They include:

  • Balance inquiry.
  • Airtime purchase for yourself and others.
  • Bill payments (utilities, cable TV, and other services).
  • Mini-statement requests.
  • Bank account management and customer service options.

With such a comprehensive list of features, the Unity Bank Transfer Code is like having a bank branch on your phone.


The Unity Bank Transfer Code is a revolutionary service that promises to redefine the banking experience for customers in Nigeria. It is a testament to Unity Bank’s dedication to providing secure, fast, and convenient banking solutions that cater to the evolving needs of their customers.

By incorporating the use of this simple yet powerful USSD code, customers can enjoy banking services without the constraints of traditional banking hours or internet connectivity. This guide has walked you through every step of activating and using the service, from setting up your PIN to transferring funds with ease.


What if I forget my Unity Bank Transfer PIN?
If you forget your PIN, you’ll need to reset it by dialing *7799#, selecting the appropriate option for PIN reset, and following the prompts.
Is there a limit to how much I can transfer using the Unity Bank Transfer Code?
Yes, there are daily transaction limits for transfers, which are subject to review by the bank.
Can I use the Unity Bank Transfer Code on any mobile network?
Yes, the code works on all mobile networks in Nigeria.
What should I do if I enter the wrong transaction details?
Immediately contact Unity Bank customer service for assistance. It’s vital to act quickly to prevent the wrong transaction from being processed.
Is there a charge for checking my account balance?
There might be a minimal charge for using the USSD service to check your account balance.
Can I use the Unity Bank Transfer Code from outside Nigeria?

Yes, as long as your Nigerian phone number is roaming and can receive signals, you can use the service from anywhere in the world.