UBA USSD Code: Transfer, Balance & Airtime (*919#)
UBA's USSD code is *919#. Dial it to transfer money, check your balance, buy airtime, and pay bills without internet. To transfer: dial *919# and select Transfer in the menu, or use the shortcut *919*amount*account#.
USSD codes verified June 2026. Banks occasionally change codes and formats. If a code fails: dial the base code *919# and use the menu, or confirm with UBA.
UBA USSD codes — reference
| Operation | Method (always correct) | Direct shortcut |
|---|---|---|
| Base code (USSD) | Dial *919# | *919# |
| Transfer | Dial *919#, then select Transfer from the menu | *919*amount*account# |
| Balance | Dial *919#, then select Balance from the menu | *919*00# |
| Airtime | Dial *919#, then select Airtime purchase from the menu | *919*amount# |
How do I transfer money with the UBA USSD code?
- Dial *919# from the phone number linked to your UBA account.
- Select "Transfer" from the USSD menu.
- Enter the recipient's 10-digit NUBAN account number.
- Enter the destination bank code (or pick from the displayed list).
- Enter the amount to transfer.
- Verify the displayed recipient name, then enter your UBA USSD PIN to confirm.
Direct shortcut (advanced): *919*amount*account#. The menu is still more reliable for unusual destinations.
Why is the UBA USSD code not working?
- Wrong phone number : bank USSD only works from the phone number linked to your UBA account. If you've changed your number, update your bank profile first.
- USSD service not activated : new accounts — activate UBA USSD via a branch or the mobile app before first use.
- Insufficient telco airtime : the USSD session fee is ~₦6.98, charged by your telco. Without airtime, the code fails silently.
- Weak network : USSD needs a stable cellular signal; retry with better coverage.
- Code changed : dial the base code *919# and use the menu — the menu always reflects current operations, unlike an old direct shortcut. Contact UBA to confirm.
Fees and security
USSD fees : ~N6.98 USSD session fee + bank fees. The USSD session fee is charged by your telco operator (NCC regulation), not by the bank. Compare against MoMo fees in our Nigeria calculator.
Security : NEVER share your UBA USSD PIN with anyone — including someone claiming to be a bank agent. UBA will never ask for your PIN via call, SMS, email or WhatsApp. Lock your SIM card (SIM PIN) so a phone thief cannot access USSD. If your phone is lost or stolen, call UBA immediately to block USSD.
Note : Balance shortcut *919*00#.
Other UBA codes & resources
Compare with other Nigerian banks
Frequently asked questions
How do I transfer money with the UBA USSD code?
Dial *919# from the phone number linked to your UBA account, select Transfer in the menu, then enter the recipient's account number, bank code, and amount. The direct shortcut is *919*amount*account#. Confirm with your UBA USSD PIN.
How do I check my UBA account balance with USSD?
Dial *919*00# from the phone number linked to your account. Your balance appears after PIN verification. You can also go through the menu: dial *919# then select "Balance".
What is the UBA code to buy airtime?
For yourself: *919*amount#. For someone else: dial *919# and choose "Airtime purchase".
Why is my UBA USSD code not working?
Common causes: (1) you are dialling from a number not linked to the account (bank USSD only works from the registered phone number); (2) the bank's USSD service is not activated on your account (visit a branch or activate via the app); (3) weak network signal — retry with better coverage; (4) insufficient telco airtime balance to pay the USSD session fee; (5) the code has changed — dial *919# and use the menu, or contact UBA to confirm the current code.
Are UBA USSD transfers safe?
Yes, when used correctly. NEVER share your UBA USSD PIN with anyone — including someone claiming to be a bank agent. UBA will never ask for your PIN via call, SMS, email, or WhatsApp. Lock your SIM card (SIM PIN) so a phone thief can't access USSD. If your phone is lost or stolen, call UBA immediately to block USSD.
How much does a USSD transfer cost on UBA?
Two charges stack: (1) ~₦6.98 USSD session fee from your telco (NCC regulation); (2) the bank's transfer fee + EMTL stamp duty ₦50 on transfers of ₦10,000+ (deducted from the SENDER since January 2026). So a ₦5,000 transfer is essentially the USSD session fee only; a ₦20,000 transfer adds the ₦50 EMTL.