How to Check Union Bank Account Balance on Mobile Phone

Traditional banking has evolved into digital banking, creating enormous convenience for customers worldwide. With just a few clicks on your smartphone, you can perform various banking tasks like transferring funds, making payments, and checking account balances.


Union Bank, one of Nigeria’s oldest and most reputable financial institutions, has kept pace with this evolution and offers several methods to check your account balance via a mobile phone (Union Bank of Nigeria Plc., 2021).


This article aims to provide a comprehensive guide on how to use your mobile phone to check your Union Bank account balance, focusing on two primary methods: the USSD Code and the Union Bank mobile app.

The USSD Code Method

USSD codes, also known as ‘quick codes’ or ‘feature codes,’ are protocol codes used by GSM cellular telephones to communicate with mobile network operators’ computers. Union Bank has a unique USSD code, *826#, which facilitates various mobile banking services (Oluwakayode, 2022). However, before you start using this code, you need to activate it.

How to Activate the Union Bank Transfer Code

To activate the Union Bank transfer code, follow these steps:

  1. Open the call app on your phone and dial the USSD code *826#.
  2. Ensure you use the phone number linked to your Union Bank account; otherwise, it won’t work.
  3. Enter your 10-digit NUBAN account number.
  4. Enter the last six digits of your Union Bank debit card.
  5. Finally, enter your 4-digit transfer PIN and confirm your entries (Oluwakayode, 2022).

Upon successful activation, you can now use this code to check your account balance.

How to Check Union Bank Account Balance Using USSD Code

To check your Union Bank account balance using the USSD Code, follow these steps:

  1. Dial 8264# with the phone line linked with your Union Bank Account.
  2. Enter your 4-digit transfer PIN.
  3. Your Union Bank account balance will be displayed on your phone screen (Oluwakayode, 2022).

Note that using the code attracts a small fee of 20 naira, with MTN customers paying an extra N8 for balance inquiries.

The Union Bank Mobile App Method

The Union Bank Mobile App offers a more user-friendly and comprehensive banking experience. It is available on Google Play for Android users and the Apple Store for iOS users. This application allows you to access all your banking services, including checking your account balance, anytime and anywhere, provided you have internet access (Union Bank of Nigeria Plc., 2021).

How to Check Union Bank Account Balance Using the Mobile App

To check your account balance using the Union Bank Mobile App, follow these steps:

  1. Download the Union Bank Mobile App on Google Play or the Apple Store.
  2. Install and launch the app.
  3. If you are using it for the first time, register with some personal information as prompted by the app.
  4. Once registered, log in, and your account balance will be visible on your dashboard (Union Bank of Nigeria Plc., 2021).


In the era of digital banking, checking your Union Bank account balance has never been easier or more convenient. Whether you prefer using the USSD Code method or the Union Bank Mobile App, you can effortlessly access your account balance right from your mobile device. However, please be aware of the minor charges when using the USSD Code method. Additionally, always ensure you keep your banking details, especially your PINs, confidential to prevent unauthorized access to your account.

Finally, remember that technology is here to make our lives easier. Embrace these digital banking methods and enjoy the convenience of banking at your fingertips. However, should you encounter any problems or have any questions, kindly leave a comment or contact Union Bank’s customer service. They are committed to assisting their customers and making banking stress-free (Union Bank of Nigeria Plc., 2021).


Oluwakayode, S. (2022). How to check Union Bank account balance. NaijaHomeBased. Retrieved from

Union Bank of Nigeria Plc. (2021). Mobile banking made easy. Retrieved from

Union Bank of Nigeria Plc. (2021). Customer service. Retrieved from


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