Banking just got easier with the introduction of the UBA USSD transfer code. This innovation is gradually making traditional banking methods a thing of the past. With the UBA transfer code, there’s no need to visit a bank to send money. Using your mobile phone, you can dial the UBA transfer code in the right format and complete your transaction without leaving your comfort zone.
Why Choose the UBA USSD Transfer Code?
- Convenience: Transfer money anytime, anywhere.
- Cardless Transactions: No need to carry an ATM card that can easily be misplaced.
- Avoid POS Hassles: Skip unnecessary trips to POS booths for simple transfers.
With this service, you can save time, shop conveniently, and manage your banking needs without stress.
This article will guide you through:
- Activating the UBA USSD transfer code.
- Setting up your transfer PIN.
- How to send money with the UBA USSD code.

What is the UBA Transfer Code?
If this is your first time hearing about the UBA transfer code or searching for it, the USSD code is *919#. This is the official code provided by the United Bank for Africa (UBA) to help customers conveniently manage their accounts using a mobile phone.
With the UBA transfer code, you can:
- Check your account balance.
- Send money.
- Top up airtime or data.
- Pay bills and much more.
What’s the best part? This service doesn’t require an internet connection and works on any type of phone, whether it’s a basic feature phone or a smartphone. Gone are the days when people worried about owning a smartphone to access their accounts online. The USSD innovation bridges the gap, making transactions accessible to everyone, regardless of the type of device they use.
However, before you can start using the UBA shortcode, you’ll need to register for the service. Let’s guide you through the process step by step.
How To Activate UBA Transfer Code
Activating the UBA USSD service requires minimal effort on your part. The service works by linking your phone number to your active UBA account.
Here’s how to activate the UBA transfer code:
- If your phone number is already linked to your UBA account:
- You’re good to go! Simply proceed to create your transfer PIN (explained below).
- If your phone number is not yet linked to your UBA account:
- Visit any UBA branch and head to the customer care desk.
- Provide your mobile number to a customer care representative.
- The representative will link your phone number to your account.
Once your number is linked, your account is activated for USSD banking.
What’s next?
To start transferring money and performing other transactions, you need to create your transfer PIN. The steps to do this are explained below.
How to Create a UBA Transfer PIN
The transfer PIN is your secret code that secures access to UBA USSD transactions. Once you set it up, keep it private and never share it with anyone. If someone knows your PIN and has access to your phone, they can perform unauthorized transactions.
Follow these steps to create your UBA transfer PIN:
- Dial *919# on your phone.
- Select the Sign-Up option.
- Choose 1: Account with PIN and enter your 10-digit UBA account number to proceed.
- Select Create PIN, then choose your preferred method for verification:
- ATM Card Option: Input your ATM card PIN.
- BVN Option: Enter your BVN (Bank Verification Number).
- Create your PIN by entering a 4-digit code that you can easily remember.
- Confirm your PIN by re-entering the same 4-digit code.
That’s it! Your transfer PIN is now set up. You will need this PIN whenever you want to transfer money or perform other transactions using UBA USSD. If you forget your PIN, you can reset it by dialing *919# and following the on-screen instructions for a successful reset.
How to Use UBA USSD to Transfer Money
The journey has been quite interesting so far! From learning how to activate the USSD code to setting up your secure 4-digit transaction PIN, you’re now ready to transfer money from your UBA account. Let’s get started!
Transfers Within UBA
To send money to another UBA account, follow these steps:
- Dial *919*3*Amount*Account Number#.
- For example, to send ₦5,000 to a UBA account (20456239414), dial:
*919*3*5000*20456239414# - Enter your 4-digit transaction PIN to confirm the transfer.
Transfers to Other Banks
To send money to an account with a different bank:
- Dial *919*4*Amount*Account Number#.
- For example, to send ₦10,000 to a non-UBA account (9087654301), dial:
*919*4*10000*9087654301# - Enter your 4-digit transaction PIN to complete the process.
Key Benefits
With the UBA USSD transfer options, you can send money to UBA or non-UBA accounts within seconds. The service offers seamless and fast transactions, allowing you to manage your finances conveniently anytime and anywhere.
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Comprehensive Guide to UBA USSD Codes and Their Functions
SN | Transaction Request | USSD Code Format | Remark |
1 | Check Account Balance | *919*00# | Check your current account balance instantly. |
2 | Airtime Top-up for Self | *919*Amount# | Recharge airtime for your personal use. |
3 | Airtime Top-up for Others | *919*Phone Number*Amount# | Add airtime to another person’s phone. |
4 | Transfer Within UBA Bank | *919*3*Account Number*Amount# | Send money to any UBA account directly. |
5 | Transfer to Other Banks | *919*4*Account Number*Amount# | Transfer funds to an account at another bank. |
6 | Open a UBA Account | *919*20# | Easily open a new UBA account using USSD. |
7 | Block Debit Card | *919*10# | Secure your account by blocking your debit card. |
8 | Pay Bills (Utilities, DSTV) | *919*5# | Pay for utility services or your DSTV subscription. |
9 | Book Flight Tickets | *919*12# | Reserve flight tickets with just a few taps. |
10 | Request Account Statement | *919*21# | Request an instant mini statement for your account. |
11 | Change or Reset PIN | *919*0# | Modify or reset your UBA transfer PIN for security. |
12 | Apply for Loan | *919*28# | Quickly apply for a loan via USSD. |
13 | Opening Savings Savings | *919*20*1# | Open a savings account effortlessly through USSD. |
14 | Fixed Deposit | *919*13# | Set up a fixed deposit account for secure savings. |
Most Frequently Asked Questions
1. How can I check my UBA balance using code?
You can check your UBA account balance by dialing *919*00#. Your current balance will be sent to you via SMS.
2. What is the daily USSD transaction limit?
The daily transaction limit for UBA USSD banking is between ₦100,000 and ₦1,000,000, depending on the type of account. Transactions involving higher amounts may require using your ATM PIN for additional security.
3. Are there charges for USSD transfers?
Yes, USSD banking is not free, but the charges are minimal. The fee is usually around ₦10.00 per transaction.
Conclusion
The banking world has evolved beyond physical transactions in bank branches. Customer satisfaction is now paramount to financial institutions in Nigeria. UBA is among the leading banks providing virtual services to enhance customer convenience.
With UBA’s USSD codes, you can:
- Transfer money
- Recharge airtime
- Pay bills
- Book flight tickets
- Open an account
- Apply for a loan
UBA’s USSD platform allows you to manage your finances anytime and anywhere, making banking faster, easier, and more secure.
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