UBA USSD banking is a simple way for millions of Nigerians to handle their banking right from their phones, no internet or fancy apps needed.

For many people, USSD is the go-to method. It works on all kinds of phones and doesn’t rely on data, so you can bank even when your internet is slow or expensive. In this guide, we’ll show you all the important UBA USSD codes you need to send money, recharge airtime, and check your balance. 

UBA Transfer Code: How to Send Money via USSD

Sending money with UBA via USSD is straightforward and perfect for when you don’t have access to the internet or the mobile app. 

The main code to remember is *919#. This is your gateway to quick, easy transfers right from your phone. 

Here’s how to do it step-by-step:

1. Sending Money from UBA to UBA Accounts

• Dial *919# on your phone.
   
• From the menu, select the option for “Transfer to UBA Account” (usually option 3).
   
• Enter the recipient’s UBA account number.
   
• Type in the amount you want to send.
   
• Confirm the transaction with your UBA USSD PIN.
   
• Wait for the confirmation message.
   

2. Sending Money from UBA to Other Banks

• Dial *919# again.
   
• Choose the option for “Transfer to Other Banks” (often option 4).
   
• Enter the recipient’s bank account number.
   
• Select the bank from the provided list.
   
• Enter the amount.
   
• Authorize the transfer with your USSD PIN.
   
• Look out for the confirmation text.
   

Example of how it works:

Dial *919# , choose option 3 or 4 depending on recipient type , input account number, enter amount, input PIN, and confirm transaction

Daily Limits & Charges: Transfers usually have daily limits, commonly around ₦100,000 to ₦200,000 depending on your account tier. UBA typically charges a small fee per transfer to other banks, but transfers within UBA accounts are often free or cheaper.

UBA Airtime Recharge Code (For Self & Others)

Recharging airtime using your UBA account with USSD is just as simple and super convenient, especially when you need airtime in a hurry without opening any apps or using internet data.

Here’s how:

• To recharge your own line: Dial *919*amount#
  Example: *919*500# to recharge ₦500 airtime for yourself.
   
• To recharge someone else’s line: Dial *919*phone number*amount#
  Example: *919*08012345678*1000# to send ₦1,000 airtime to a friend.

Example use case:
Say you’re on the move with no data, but your phone balance is running low. Just dial 919amount# and your phone is recharged within seconds, it is as simple as ABC. 

UBA USSD Code to Check Account Balance

Checking your UBA account balance via USSD is quick and hassle-free. All you need is your phone with the number registered on your UBA account.

To check your balance:

• Dial *919*00# on your phone.
   
• Enter your USSD PIN when prompted.
   
• Within seconds, your current account balance will display on your screen.
   

What you need to know:

• Make sure you’re using the phone number linked to your UBA account; otherwise, the system may not recognize your request.
   
• If your balance doesn’t load or you get an error, it could be due to network issues, incorrect PIN entry, or temporary service downtime.
   
• Try again after a few minutes or restart your phone.
   
• If the problem persists, contact UBA customer service for assistance.
   

Complete List of UBA USSD Codes for 2025

Here’s a handy reference table of all the essential UBA USSD codes you’ll need for banking on the go in 2025:

Keep this table handy for easy reference whenever you need to make transfers, buy airtime, or check your balance without internet access.

How to Register or Activate UBA USSD Banking

Using UBA’s USSD banking service is simple, but first, you need to register or activate it right. To do that, here’s what you need to know to start. 

Only UBA account holders can register for the USSD service. If you don’t have a UBA account, you’ll need to open one before you can use USSD banking.

Step-by-step Activation Guide:

1. On your phone, dial *919#.
    
2. Follow the on-screen prompts to start registration. This usually involves verifying your phone number and providing personal details.
    
3. You will be asked to create a secure 4-digit USSD PIN. This PIN will protect your transactions and keep your account safe.
    
4. If you’re resetting your PIN, follow the prompts to enter your old PIN and then create a new one.
    
5. In some cases, you might be required to provide your NIN (National Identification Number) or BVN (Bank Verification Number) for identity verification and security purposes.
    

Once you complete these steps, your USSD banking service will be active and ready to use, no internet required.

UBA Transfer Code Not Working? Here’s What to Do

Sometimes, you might face issues when trying to use the UBA USSD codes. Here are some common problems and quick fixes:

Common Issues You May Face:

• “Service not available”: This error often happens when there is network downtime or issues with the USSD service provider.
   
• “SIM not registered”: This means your SIM card is not properly registered with your phone number or bank details.
   
• “Code not responding”: The USSD code might not be working due to network problems or incorrect dialing.

Quick Fixes:

• Check SIM Registration: Make sure your SIM is registered with the correct phone number linked to your UBA account.
   
• Use the Registered Number: Always use the phone number that is registered with UBA to access USSD banking.
   
• Restart Your Phone: Sometimes, a simple reboot can fix network or system glitches.
   
• Retry Later: Network congestion or temporary service downtime can cause USSD failures. Waiting a few minutes before trying again often solves the problem.
   

When to Contact UBA Support:
If none of the above fixes work, or if you receive persistent error messages, contact UBA customer care immediately for assistance. They can help check your account status and resolve technical issues.

FAQs: What Nigerians Are Asking About UBA Transfer Code

Q: What is the UBA transfer code in Nigeria?
A: The main UBA transfer code is *919#. From this menu, you can send money, buy airtime, check your balance, and more.

Q: Can I use the UBA code without internet?
A: Yes, UBA USSD codes work without internet, making it perfect for users with limited or no data access.

Q: Is the UBA USSD code secure?
A: Yes, the USSD service requires a PIN for every transaction, keeping your account safe. Always keep your PIN confidential.

Q: What is the daily transfer limit using 919#?
A: Daily limits vary depending on your account type and bank policies, but typically transfers can range from ₦50,000 to ₦1,000,000 per day. Check with UBA for your specific limits.

Q: How do I reset my UBA USSD PIN?
A: Dial *919#, select the option for PIN reset, and follow the prompts. You may need your BVN or NIN for verification.

Why Use USSD Instead of the App? 

Pros of USSD Banking:

• Works on all mobile phones, including basic feature phones.
   
• Does not require internet or smartphone data, making it accessible anywhere.
   
• Simple and fast for quick transactions like transfers, airtime purchases, and balance checks.
   

When to Use the UBA Mobile App Instead:

• When you want more detailed account management features.
   
• For reviewing transaction history, setting alerts, or applying for loans.
   
• When you have reliable internet access and prefer a graphical interface.
   

Download the UBA Mobile App: You can get the official UBA app on the Google Play Store or Apple App Store.

Conclusion:

Save these codes on your phone for quick access and avoid any banking delays. Don’t forget to share this guide with friends and family using UBA so they too can enjoy simple, secure mobile banking anywhere in Nigeria too.