UBA USSD Code: Banking with a Shortcode in Nigeria

United Bank for Africa (UBA) is a leading pan-African financial institution known for its innovative banking solutions. One of its most user-friendly features is the UBA USSD code, which allows customers to perform various banking transactions directly from their mobile  phones without needing internet access. In this detailed guide, we’ll explore everything you need to know about the UBA USSD code, its benefits, and how to use it effectively.

What is the UBA USSD Code?

The UBA USSD code is a quick and easy way for UBA customers to access banking services using their mobile phones. The primary code for accessing UBA’s USSD banking services is *919#. With this code, you can perform a wide range of transactions, including money transfers, checking account balances, buying airtime, paying bills, and more.

Benefits of Using the UBA USSD Code

Using the UBA USSD code offers several advantages:

1. Convenience: Access banking services 24/7 from anywhere, without needing to visit a branch or ATM.
2. Speed: Complete transactions in seconds, saving you time.
3. Accessibility: Works on all types of mobile phones, including basic feature phones.
4. Security: Transactions are secured with a unique PIN, ensuring your account is protected.

How to Register for UBA USSD Banking

Before you can use the UBA USSD code, you need to register for USSD banking. Here’s how to get started:

1. Dial *919#: On your mobile  phone, dial *919# using the phone number linked to your UBA account.
2. Select the Registration Option: Follow the on-screen prompts and choose the option to register for USSD banking.
3. Enter Your Account Number: Provide your UBA account number.
4. Create a PIN: Create a 4-digit PIN to secure your transactions. Confirm the PIN to complete the registration process.

Step-by-Step Guide to Using UBA USSD Code

1. How to Transfer Money to UBA Accounts

Transferring money to another UBA account is simple and quick. Follow these steps:

1. Dial *919*: On your phone, dial *919#.
2. Select the Transfer Option: Choose the option for “Transfer.”
3. Enter the Recipient’s Account Number: Enter the UBA account number of the person you want to transfer money to.
4. Enter the Amount: Specify the amount you want to transfer.
5. Enter Your PIN: Confirm the transaction by entering your 4-digit PIN.
6. Transaction Confirmation: You will receive a confirmation message indicating that the transfer was successful.

2. How to Transfer Money to Other Banks

You can also transfer money to accounts in other Nigerian banks using the UBA USSD code:

1. Dial *919#: On your phone, dial *919#.
2. Select the Transfer Option: Choose the option for “Transfer.”
3. Select Other Banks: Opt for “Transfer to other banks.”
4. Enter the Recipient’s Account Number: Provide the account number of the recipient.
5. Select the Recipient’s Bank: Choose the recipient’s bank from the list of available banks.
6. Enter the Amount: Specify the amount you wish to transfer.
7. Enter Your PIN: Confirm the transaction by entering your 4-digit PIN.
8. Transaction Confirmation: You will receive a confirmation message once the transfer is successful.

3. How to Check Account Balance

To check your UBA account balance using the USSD code, follow these steps:

1. Dial *919*00#: On your phone, dial *919*00#.
2. Enter Your PIN: Enter your 4-digit PIN to authenticate the request.
3. Account Balance Displayed: Your account balance will be displayed on the screen.

4. How to Buy Airtime for Yourself

Buying airtime for your phone using the UBA USSD code is quick and easy:

1. Dial *919*Amount#: For example, if you want to recharge ₦500, dial *919*500#.
2. Enter Your PIN: Enter your 4-digit PIN to confirm the transaction.
3. Airtime Credit: You will receive a confirmation message, and the airtime will be credited to your phone.

5. How to Buy Airtime for Others

You can also buy airtime for friends and family using the USSD code:

1. Dial *919*Amount*Recipient’s Number#: For example, to recharge ₦500 for 08012345670, dial *919*500*08012345670#.
2. Enter Your PIN: Enter your 4-digit PIN to confirm the transaction.
3. Airtime Credit: The recipient will receive a confirmation message, and the airtime will be credited to their phone.

6. How to Pay Bills

UBA USSD code also allows you to pay bills conveniently:

1. Dial *919#: On your phone, dial *919#.
2. Select the Bill Payment Option: Choose the option for “Bill Payment.”
3. Select the Service Provider: Select the service provider for the bill you want to pay.
4. Enter the Amount: Specify the amount you wish to pay.
5. Enter Your PIN: Confirm the transaction by entering your 4-digit PIN.
6. Payment Confirmation: You will receive a confirmation message once the payment is successful.

7. How to Open a UBA Account

If you don’t have a UBA account yet, you can open one using the USSD code:

1. Dial *919*20#: On your  phone, dial *919*20#.
2. Follow the Prompts: Follow the on-screen prompts to complete the account opening process.
3. Complete the Registration: Provide the necessary details, such as your name and address, to complete the registration.
4. Account Confirmation: You will receive a confirmation message with your new account details.

8. How to Reset Your PIN

If you forget your PIN or need to change it for security reasons, you can easily reset it:

1. Dial *919*: On your phone, dial *919#.
2. Select the PIN Reset Option: Choose the option for “PIN Reset.”
3. Enter Your Account Number: Provide your UBA account number.
4. Enter Your Old PIN: Enter your current 4-digit PIN.
5. Create a New PIN: Create a new 4-digit PIN and confirm it.
6. PIN Reset Confirmation: You will receive a confirmation message once your PIN has been successfully reset.

Security Tips for Using UBA USSD Code

While the UBA USSD code is secure, it’s important to follow these tips to ensure your transactions remain safe:

1. Keep Your PIN Confidential: Never share your 4-digit PIN with anyone.
2. Use a Secure Phone: Ensure your phone is secure and free from malware.
3. Log Out When Done: Always log out or exit the USSD session after completing your transaction.
4. Monitor Your Account: Regularly check your account statements and report any suspicious activity immediately.

Summary

Here is a table summarizing the key UBA USSD codes for various banking services:

Service	USSD Code	Description
General Access	*919#	Main code to access UBA USSD banking services
Account Balance	*919*00#	Check your account balance
Airtime Recharge (Self)	*919*Amount#	Buy airtime for your own phone (e.g., *919*500# for ₦500 airtime)
Airtime Recharge (Others)	*919*Amount*Recipient’s Number#	Buy airtime for others (e.g., *919*500*08012345678#)
Transfer to UBA Account	*919*3*Account Number*Amount#	Transfer money to another UBA account (e.g., *919*3*12345678901000#)
Transfer to Other Banks	*919*4*Account Number*Amount#	Transfer money to accounts in other banks (e.g., *919*4*12345678901000#)
Bill Payment	*919*5#	Pay bills (follow the prompts for various billers)
Account Opening	*919*20#	Open a new UBA account
PIN Reset	*919# (follow prompts)	Reset your USSD banking PIN
Loan Services	*919*28#	Access loan services
Bank Statements	*919*21#	Request for mini statements
Cardless Withdrawal	*919*30*Amount#	Make a cardless withdrawal from an ATM (e.g., *919*30*5000#)
UBA Prepaid Card	*919*32#	Load money onto a UBA prepaid card
Check BVN	*565*0#	Check your BVN (Bank Verification Number)

These USSD codes provide a quick and efficient way to perform a variety of banking tasks directly from your mobile phone, making banking with UBA convenient and accessible.

Frequently Asked Questions (FAQs)

1. What is the primary UBA USSD code?

• The primary UBA USSD code is *919#.

2. Can I use the UBA USSD code on any phone?

• Yes, the UBA USSD code works on all types of mobile  phones, including basic feature phones and smartphones.

3. Do I need an internet connection to use the UBA USSD code?

• No, you do not need an internet connection to use the UBA USSD code.

4. How do I secure my UBA USSD transactions?

• Ensure you keep your 4-digit PIN confidential, use a secure  phone, log out after transactions, and monitor your account regularly.

5. Can I transfer money to other banks using the UBA USSD code?

• Yes, you can transfer money to accounts in other Nigerian banks using the UBA USSD code.

6. How do I register for UBA USSD banking?

• Dial *919#, select the registration option, enter your account number, and create a 4-digit PIN.

The UBA USSD code is a powerful tool that makes banking transactions easy, fast, and accessible. By following this step-by-step guide, you can take full advantage of the services offered by UBA’s USSD banking, from transferring money and buying airtime to checking your account balance and paying bills. Embrace the convenience of banking at your fingertips and enjoy the seamless experience provided by UBA’s USSD service.

 

 

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