The primary UBA USSD code is *919#, which allows customers to perform banking transactions directly from their phones without internet access. By dialing *919#, you can transfer money, buy airtime, check account balance, pay bills, and manage your UBA account easily and securely.
For example, dial *919*0# to check your account balance, *919*Amount# to buy airtime for yourself, or navigate the on-screen menu after dialing *919# to send money to any Nigerian bank.
UBA USSD works on all mobile phones and networks across Nigeria, making it ideal for offline banking.
Popular UBA USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| Access Main Menu | *919# |
| Check Account Balance | 9190# |
| Transfer to UBA Account | 919Amount*AccountNumber# |
| Transfer to Other Banks | 919Amount*AccountNumber# |
| Buy Airtime for Self | 919Amount# |
| Buy Airtime for Others | 919Amount*PhoneNumber# |
| Pay Bills | *919# → Pay Bills |
| Open UBA Account | *919# → Open Account |
| Block Account / Card | *919# → Security Options |
These codes allow quick banking without internet. Always use your registered phone number and protect your USSD PIN.
About UBA
United Bank for Africa (UBA) is one of Nigeria’s leading banks, with a strong presence across Africa and globally. The bank offers savings and current accounts, transfers, loans, bill payments, mobile banking, and international banking services.
While the UBA Mobile App provides advanced features, *UBA USSD (919#) remains a reliable alternative for offline banking.
This guide covers all UBA USSD codes, activation steps, transaction charges, common errors, security tips, and offline banking functions.
What Is UBA USSD?
UBA USSD is a mobile banking service that enables customers to perform financial transactions using short codes, without internet access.
USSD banking is useful when you:
- Have poor or no internet
- Need urgent money transfer
- Want quick airtime recharge
- Cannot access the UBA app
- Use a basic feature phone
USSD is fast, secure, and works on all Nigerian SIM cards.
Main UBA USSD Code in Nigeria (2026)
The official UBA USSD code is:
*919#
After dialing *919#, you can access the full UBA USSD menu for transfers, balance checks, airtime purchases, bill payments, and account security.
Most used UBA USSD codes:
- *919# — Main menu
- 9190# — Check account balance
- 919Amount# — Buy airtime for self
- 919Amount*PhoneNumber# — Buy airtime for others
- 919Amount*AccountNumber# — Transfer money
- *919# → Pay Bills — Utility payments
- *919# → Open Account — New UBA account
- *919# → Security Options — Block account
How to Activate UBA USSD Banking
To use UBA USSD:
- Have an active UBA account
- Use the phone number linked to your account
- Ensure good network signal
- Dial *919#
- Create a 4-digit USSD PIN when prompted
Once activated, USSD banking is available 24/7 without internet.
Full Breakdown of UBA USSD Codes and Their Uses
1. UBA Code for Transfers
To send money:
- Dial 919Amount*AccountNumber#
- Select UBA or another bank
- Confirm recipient details
- Enter your PIN
Transfers work with all Nigerian banks including Zenith, GTBank, First Bank, FCMB, Fidelity, and Polaris.
2. UBA Code for Airtime
For Self:
Dial 919Amount#
Example: 919200# to recharge ₦200
For Others:
Dial 919AmountPhoneNumber#
Example: 91950008012345678#
Recharge is instant.
3. UBA Code for Account Balance
To check balance:
Dial *919*0#
Enter your PIN if prompted.
4. UBA Code for Utility or Bill Payments
Dial *919# and select Pay Bills to pay for:
- Electricity (DISCOs)
- DSTV, GOTV, Startimes
- Mobile data subscriptions
- Internet services
- Other supported billers
Follow the prompts to complete the payment.
5. Code to Block UBA Account
If your phone is lost or stolen:
- Dial *919#
- Select Security / Block Account
This secures your account immediately.
Why UBA USSD Is Popular
UBA USSD is widely used because it:
- Works without internet
- Fast and reliable
- Supports MTN, Airtel, Glo, and 9Mobile
- Works on all phones
- Protected with PIN security
- Available 24/7
How to Set or Reset Your UBA USSD PIN
First-time setup:
- Dial *919#
- Select Create PIN
- Enter 4-digit PIN
- Confirm
Reset PIN:
- Dial *919#
- Select Forgot PIN
- Verify via OTP
- Set a new PIN
Never share your PIN.
UBA USSD and Transaction Charges
- Dialing *919# is free
- Network providers may charge ₦6–₦7 per session
- Bank transfer fees may apply
- Airtime and bill payments usually have no extra fees
Common UBA USSD Errors and How to Fix Them
- USSD not working: Check network, use registered SIM
- Incorrect PIN: Reset via *919#
- Insufficient balance: Fund account and retry
- Session timeout: Retry in stronger network area
- Transaction failed: Confirm details and retry
How to Use UBA USSD Without the App
If the UBA app is unavailable:
- Dial *919# from your registered number
- You can still:
- Check balance
- Send money
- Buy airtime
- Pay bills
- Block account
USSD serves as a reliable backup.
Is UBA USSD Safe?
Yes — protected with:
- 4-digit PIN
- SIM-based verification
- Instant block code (*919# → Security Options)
Safety tips:
- Never share your PIN
- Block your account if phone is lost
- Use only your registered SIM
Benefits of Using UBA USSD
- Works offline
- Fast transactions
- No app required
- Works on any phone
- Useful in emergencies
- Ideal for rural and low-data areas
Limitations of UBA USSD
- Advanced services require the app
- Network charges may apply
- Sessions may timeout during peak hours
- Cannot access loans or investments
Frequently Asked Questions (FAQs)
What is the main UBA USSD code?
*919#
Why is my UBA USSD not working?
Likely network issues, wrong SIM, or maintenance
How do I check my UBA balance?
Dial 9190#
Can I transfer money without the app?
Yes — dial 919Amount*AccountNumber#
How do I block my account if my phone is stolen?
Dial *919# → Security Options
Does UBA USSD work on all networks?
Yes — MTN, Airtel, Glo, and 9Mobile
Is UBA USSD free?
Dialing is free; network charges may apply
Conclusion
UBA USSD codes make offline banking simple, fast, and secure. With *919#, you can transfer money, buy airtime, check balances, pay bills, and secure your account — all without internet.
Whether using a basic phone, in low-network areas, or if the app is unavailable, UBA USSD remains a reliable solution in Nigeria (2026).
