The shortcut to getting things done faster and smarter. Don't be an Uncle Thomas, do it all with *826#

USSD ShortCodes

Function Shortcode
Check balance *826*4#
Airtime purchase (self) *826*Amount#
Airtime Purchase – (third party) *826*Amount*3rd party mobile No#
Transfers to UBN account *826*1*Amount*Account No#
Transfers to Non UBN bank accounts *826*2*Amount*Account no#
Bills payment *826*28*amount*userID#
Data capture after enrolment *826*3*account no#
Card management (block and unblock card) *826*21#
Cardless withdrawal *826*7*amount#
Limit increase *826*8#
Data purchase *826*9*amount#
Mcash *826*22*merchantcode*amount#




Do I require Data/Internet access enabled mobile phone to use *826#?

We’ve got you covered, therefore you don’t need Data to use this service. You’re welcome!

How do I enrol for *826#?

We are really serious about simpler smarter banking, just dial *826# from your registered mobile number on the banks system.

How can I confirm a successful transaction?

That’s one less thing to worry about. a pop-up message will be displayed on your phone screen and an SMS notification will be sent automatically to your registered phone number with the Bank.

Why is Union Bank charging me N6.98?

The USSD Session Fee charge is from your mobile network service provider for access to use *826# for transactions. This fee is remitted in full by the Bank to the mobile network provider.

Is the N6.98 VAT inclusive?’

No. The charge does not include VAT. A fee of N0.52 will be charged as VAT.

What happens if I do not proceed to accept the new session fee?

You will be able to purchase airtime and data only. Access to other financial transactions like transfer, bills payment, betting, etc., will be restricted. To continue to do other transactions on USSD, you will be required to dial the *826# or any other *826# string to get the agreement message again for you to proceed.

How can I transact without getting charged N6.98?

Our electronic channels (UnionMobile, UnionOnline, ATMs, UnionDirect Agents, POS Terminals) and Union Bank Cards are available 24/7 for your banking transactions. You can pay your cable subscription, buy airtime and data, transfer money and do much more, all from the comfort of your home or on-the-go with the UnionMobile app at no extra cost.

Is there a cost to register on *826#?

Our 100-year experience has taught us that it’s better to give than to receive. Registering on *826# is absolutely free!! Just dial *826# to register. The registration is only done once you dial the numbers for the first time.

Is there a cost for using *826#?

Performing a transaction via *826# is free

What can i do with *826# USSD Banking?

The question is what can’t you do with *826# USSD? It’s more than a USSD code because the possibilities are endless. Here’s a little tease of what you can do:

  • Keep it simple and smart, pay bills.
  • Send money to other UBN and Other Bank Accounts.
  • Buy that anniversary or birthday present you almost forgot.
  • Generate a pay-code and PIN for cardless withdrawal transactions.
  • Stay connected, buy Airtime for Self and others on all major networks.
  • Keep tabs of your rising empire, check Account Number, Balances, and BVN on the go

Will this charge apply to all *826# transactions?

No. The charge does not apply to all USSD transaction types. Airtime and data purchases via *826# are exempt from this charge on USSD platforms.

Is this the only fee for every transaction I do with *826#?

No. The N6.98 is a fee charged by your mobile network service provider. The regular transaction fees will be charged for your transactions and other services.

If my transaction fails, will I still be charged?

No. The N6.98 fee is only charged for successful transactions on *826#.

Will I be notified of this charge when I use *826# for transactions?

Once you dial *826# or any other *826# string, you will be notified of this new charge. You are required to select 826 to proceed. This is a one-off agreement.