All UBA Bank USSD Codes for Fast Transactions


UBA Bank USSD Code

Ever wondered how you can conveniently perform banking transactions without stepping a foot inside the bank? With UBA’s USSD banking, you’re about to experience financial operations in a whole new light.


Thanks to the wonders of mobile technology, UBA offers you a seamless way to conduct banking transactions right from the comfort of your home, or anywhere else for that matter. Think of it as your bank fitting snugly in your pocket, ready to serve you at a moment’s notice.

Advantages of Using UBA’s USSD Code

Ease of Use

No fancy gadgets, no perplexing steps. With just your regular mobile phone and the USSD code, you’re good to go. Remember those days of tedious banking hall queues? Kiss them goodbye!


No internet? No problem. Whether you’re in a bustling city or a remote village, as long as you have a mobile network, your bank is right there with you.


Opening an Account

Why wait in line when you can set up a UBA account in a snap? Just dial *919#, follow the prompts, and bam!

How to Open Your UBA Account


Opening an account with UBA has never been simpler:

  1. Dial *919# from your mobile number.
  2. Follow the on-screen prompts to seamlessly open your account.
Benefits of Using *919# for Account Opening

Here are some compelling reasons why this is your go-to solution:

  • Accessibility: Bank from any corner of the world, any time you wish.
  • Swift and Simple: Open your account in mere minutes without any complications.
  • Flexible Options: Start with basic features and upgrade your account as per your needs to enjoy higher transaction limits.

Transaction Charges for Account Opening

It’s always a good idea to be informed about the associated charges when availing any service. Here’s a breakdown for the *919# account opening:

S/NTransaction TypeCharge (₦)
2Check Balance₦10‎
3Open a Bank AccountFree
4Subsequent Transactions₦6.98

Sending or Receiving Money

Now that you’ve got your account, receiving funds is a cinch. And if you want to send some money? Easy-peasy. For transfers up to N1m to UBA accounts, dial *919*3*account number*amount#. Transferring to other banks or even microfinance institutions? There’s a USSD code for that too.


How to Send Money to a UBA Account

No need to visit a banking hall or even an ATM. Make seamless transfers with these steps:

  1. Dial *919*3*account number*amount# from your registered UBA phone number.
    • For instance, to send ₦10,000 to a UBA account number 1234567890, dial *919*3*1234567890*10000# and follow the on-screen instructions.

How to Send Money to a UBA Prepaid Card

Got a UBA Prepaid Card? Transfer funds to it easily:

  1. Simply dial *919*32# from your UBA registered mobile number.

How to Send Money to Other Banks

Want to send money outside UBA? Do it effortlessly:

  1. Dial *919*4*account number*amount# using your registered UBA phone number.

Transfer to Microfinance Banks, Fintechs & Other Institutions

Broaden your transfer reach with this feature:

  1. Dial *919*6# from your UBA registered phone number.

Transaction Limits

S/NMethod of AuthorizationPer transactionPer Daily
2Secure pass (Token)₦20,000₦100,000
3Secure Pass and Indemnity₦500,000₦1,000,000

Transaction Charges

S/NTransaction TypeTransaction Band (₦)Charge (₦)
1Send Money to UBA AccountAll20
2Send Money to Another bank₦0 – ₦5000₦10 + VAT
₦5,001 – ₦50,000₦20 + VAT
Above ₦50,000₦50 + VAT
3Send Money to Prepaid CardAll₦50 + VAT

Purchasing Airtime and Data

Ever run out of airtime in the middle of a vital conversation? Or perhaps your data bundle got exhausted while you were browsing something critical? The UBA’s *919# USSD service ensures you’re never left stranded. This service offers immediate airtime and data top-up without the need for an internet connection. Let’s delve deeper:

How to Top-Up Airtime for Yourself

Recharging your line has never been easier. From the mobile line registered with UBA, simply:

  1. Dial *919*amount#
    • For example, if you want to recharge ₦1000, you’d dial *919*1000#.

How to Top-Up Airtime for Friends and Family

Want to surprise a loved one with some airtime? Here’s what you need to do:

  1. Dial *919*Phone Number*Amount#
    • As an instance, to send ₦1000 to 08123456789, dial *919*08123456789*1000#.

How to Top-Up Data for Yourself

Never run out of data mid-browsing again:

  1. Simply dial *919*14# from your registered mobile line.

How to Top-Up Data for Friends and Family

Gift your loved ones with some data:

  1. Dial *91914Phone Number# from your registered mobile line.

Transaction Limits and Charges

It’s always good to be informed about the limits and charges related to your transactions. Here they are:

Transaction Limits

  • Airtime purchases are capped at ₦20,000 per day.
  • Only PIN authentication is necessary for the transaction to proceed.

Transaction Charges

S/NTransaction TypeCharge (₦)
1Buy Airtime (self)Free
2Buy Airtime (3rd party)Free
3Buy Data (self)Free
4Buy Data (3rd Party)Free
Source: UBA

Flight Bookings via 919# Magic Banking

UBA’s *919# Magic Banking doesn’t just stop at basic transactions; it goes above and beyond by offering a remarkable flight booking service. No more tedious website navigations or app downloads. Booking your flight is now as straightforward as dialing a code. Here’s how:

How to Pay for Your Flight using UBA’s USSD Service

  1. Begin by dialling *919*12#.
  2. Enter your 4-digit PIN and choose the bank account you’d like to make the payment from.
  3. From the menu, pick your desired airline.
  4. Key in your flight’s Passenger Name Record (PNR).
  5. Proceed by entering the phone number of the passenger as well as the payment amount.
  6. Confirm the details, and you’re done. Your flight is paid for!
Codes for Various Airlines

To further simplify your experience, UBA provides direct USSD codes for numerous popular airlines. Here they are:

S/NAirlineUSSD Code
1Ethiopian Airline*919*12*071#
2Africa World Airline*919*12*394#
3Lufthansa Airline*919*12*220#
4Egypt Airline*919*12*077#
5Turkish Airline*919*12*235#
6Qatar Airways*919*12*157#
7British Airways*919*12*125#
8KLM Royal Dutch Airline*919*12*74#
9South African Airways*919*12*83#
10Etihad Airways*919*12*607#
11Virgin Atlantic Airline*919*12*932#
12Royal Air Morocco*919*12*147#
13Rwanda Air*919*12*459#
14Kenya Airways*919*12*706#
15Delta Air Lines*919*12*6#
16Air France*919*12*57#
Source: UBA

Balance Enquiry

Financial awareness is crucial. Keep tabs on your funds anytime by just punching in *919*00#.

The Magic of *919# in UBA Banking

Fund Transfer Features

Whether it’s to a UBA account, a prepaid card, other banks, or even fintechs, *919# has got your back.

Airtime and Data Top-Up Capabilities

A surprise call to a loved one or a last-minute work presentation, don’t get caught off-guard. Stay connected always.

Hassle-free Flight Payments

From choosing airlines to making payments, *919# ensures your journeys begin on a smooth note.


To say that UBA’s USSD banking is a game-changer would be an understatement. It’s not just about convenience; it’s about empowering you, the customer. In this digital age, isn’t it time your banking experience got the upgrade it deserves?

Frequently Asked Questions

  1. Is it safe to use UBA’s USSD banking?
    • Absolutely! UBA’s USSD banking is encrypted and secure. Always ensure you don’t share your PIN with anyone.
  2. Do I need a smartphone for USSD banking?
    • No, any mobile phone, smart or not, can access USSD banking.
  3. What should I do if I forget my USSD banking PIN?
    • Contact UBA customer service immediately. They’ll guide you on resetting your PIN.
  4. Are there transaction charges for using USSD banking?
    • There may be minimal charges for certain transactions. It’s best to check with UBA’s official tariff guide.
  5. Can I link multiple accounts to my USSD profile?
    • Yes, you can link multiple UBA accounts to your USSD profile and easily switch between them for transactions.

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