Union Bank of Nigeria charges 2026: ATM, transfer, card and USSD
Verified 2026-07-03 · CBN Guide to Charges (no own tariff PDF)
How much does Union Bank charge for transfers and ATM?
Union Bank's regulated charges follow the CBN Guide, which standardises them across Nigerian banks: transfers cost ₦10 / ₦25 / ₦50 by amount band, other-bank ATM is ₦100 per ₦20,000, and card maintenance is ₦0 on a current-account Naira card. What is specific to Union Bank is its USSD channel (*826#), since it does not publish its own consolidated tariff. Verified 2026-07-03.
What's specific to Union Bank
Union Bank, one of Nigeria's oldest banks (founded 1917) and now under Titan Trust ownership, does not host a standalone consolidated tariff PDF; its regulated charges are the CBN Guide figures below. Heritage and ownership don't change the CBN-set fees. Confirm account-specific items with Union Bank.
- One of Nigeria's oldest banks (1917), now Titan-Trust-owned; the fees are the CBN standard regardless of its long history.
- USSD banking runs on *826#.
| *826# channel | Fee |
|---|---|
| *826# banking | *826# |
Union Bank ATM, transfer and card charges (CBN schedule)
These regulated charges are set by the CBN Guide and are the same across banks — Union Bank applies them as the maximums below. The April 2026 CBN draft would change some, but is not yet law.
| Charge | Amount (CBN maximum) |
|---|---|
| ATM withdrawal — your own bank | No charge |
| ATM withdrawal — another bank (in Nigeria) | ₦100 per ₦20,000 (on-site); off-site adds a surcharge up to ₦500 |
| ATM withdrawal — international | Exact cost by the international acquirer (cost recovery) |
| Electronic transfer (NIP / instant) | ₦10 (≤₦5,000) · ₦25 (₦5,001–₦50,000) · ₦50 (over ₦50,000) |
| RTGS (large-value transfer) | ₦950 |
| Debit card issuance | ₦1,000 one-off (Naira card) |
| Card replacement / renewal | ₦1,000 one-off |
| Card maintenance | ₦0 on current-account Naira cards; up to ₦50/quarter on savings cards; $10/yr on FX cards |
| Account maintenance (CAMF) | Up to ₦1 per mille on current-account third-party debits (₦1 per ₦1,000); not on savings accounts |
| SMS alert | Cost recovery, up to ₦4 per SMS (customer-induced only); email alerts free |
| Account statement | Monthly statement free; special request up to ₦20/page |
| Reference / status letter | ₦500 per request |
Statement, reference-letter and account-opening lines are not itemised in the core CBN Guide for this bank; confirm any bank-specific item with the branch.
What is the Union Bank Tier 1 account limit?
Nigerian bank accounts sit on the CBN 3-Tier KYC framework — a different regulation from the Guide to Charges, so no bank tariff PDF restates these. The specific limits have been revised and vary by source; confirm your current tier limit with your bank. Union Bank's own tariff document does not state KYC-tier limits — they are set by the CBN 3-Tier KYC framework. Historically Tier 1 capped single deposits around ₦50,000 and the balance around ₦300,000; confirm your current Union Bank tier limit in the app or at a branch.