The UBA transfer code is *919# — dial this from your registered mobile number to send money, buy airtime, check balances, and handle dozens of banking tasks without internet. Quick transfers cost as little as ₦10-50 depending on the amount and destination bank.
Picture this: You’re rushing to catch a bus when your friend texts, “Abeg, send me that ₦5,000 sharp sharp.” Your data is finished, the banking app won’t load, and the nearest ATM has a queue longer than a Lagos traffic jam. This is where UBA’s USSD code becomes your financial lifeline.
Nigeria’s mobile banking revolution isn’t just about convenience — it’s about financial inclusion for the 60% of adults who own basic phones but lack smartphones. UBA’s *919# system processes over 2 million transactions monthly, proving that sometimes the simplest solutions work best.
How to Activate UBA Transfer Code Without ATM Card
Most people get stuck here. The banking halls are crowded, you’ve misplaced your ATM card, or you’re travelling without it. Good news: You don’t need your debit card to get started.
Step-by-Step Activation Process
- Dial *919# from your registered number
- Use the exact phone number linked to your UBA account
- If you’re unsure, check your account opening documents or call customer care
- Select “Registration” (Option 0)
- Choose “Register for USSD Banking”
- The system will recognize your number automatically
- Enter your 10-digit account number
- Double-check every digit — one mistake sends you back to start
- For joint accounts, use the primary account holder’s details
- Create your 4-digit PIN
- Avoid obvious combinations like 1234 or your birth year
- Don’t use your ATM PIN — keep them separate for security
- Confirm with your date of birth
- Use the format DD/MM/YYYY as registered with the bank
- The system verifies this against your account details
Alternative Activation Methods
If the standard process fails:
- Visit any UBA branch with valid ID and account details
- Use UBA’s mobile app to link your number (requires internet)
- Call customer care at 01-2808822 for assisted registration
- Ask Leo (UBA’s chatbot) on WhatsApp: +234 903 001 0007
Complete Guide to UBA Money Transfers with *919
The transfer system works differently depending on your destination bank. Here’s how to navigate each scenario:
Sending Money to Another UBA Account
Code: *919*3*Account Number*Amount#
Example: *919*3*2012345678*5000#
This transfers ₦5,000 to UBA account 2012345678. The system shows the recipient’s name for confirmation — always verify this matches who you intend to pay.
Transferring to Other Banks (Interbank)
Code: *919*4*Account Number*Amount#
Example: *919*4*0123456789*10000#
After dialing, you’ll see a list of Nigerian banks:
- Press 1 for Access Bank
- Press 2 for Ecobank
- Press 3 for First Bank
- Press 4 for GTBank
- Press 5 for Zenith Bank
…and so on. The system updates regularly as new banks join the network.
Special Transfer Categories
For Microfinance Banks & Fintechs: Use *919*6*Account Number*Amount#
This covers popular services like:
- Kuda Bank
- Opay
- PalmPay
- Moniepoint
- Fairmoney
For UBA Prepaid Cards: Use *919*32*Card Number*Amount#
Perfect for topping up your UBA prepaid card or sending money to someone with one.
Quick Reference: Essential UBA USSD Codes
| Service | Code | Cost |
|---|---|---|
| Check Balance | 91900# | ₦10 |
| Transfer to UBA | 9193AccountAmount# | ₦10 |
| Transfer to Other Banks | 9194AccountAmount# | ₦25-50 |
| Buy Airtime (Self) | 919Amount# | Free |
| Buy Airtime (Others) | 919Phone*Amount# | ₦10 |
| Data Purchase | 91914# | ₦10 |
| Bill Payment | 9195# | ₦10 |
| Block ATM Card | 91910# | Free |
| Block Account | 9199# | Free |
| Account Opening | 91920# | Free |
| Flight Booking | 91912# | ₦100 |
Transaction Limits and Fees Structure
Your daily limits depend on your account type and verification level:
Standard Accounts
- Daily limit: ₦100,000
- Per transaction: ₦50,000
- Monthly limit: ₦1,000,000
Premium/Business Accounts
- Daily limit: ₦1,000,000
- Per transaction: ₦500,000
- Monthly limit: ₦10,000,000
How to Increase Your Limits
- Link your BVN (Bank Verification Number)
- Activate UBA Secure Pass at any branch
- Complete KYC documentation updates
- Upgrade your account type to premium tiers
Pro tip: If you’re hitting limits regularly, consider the UBA mobile app or internet banking for higher transaction caps.
Troubleshooting: When Your UBA Code Stops Working
“Invalid Transaction” Error
Cause: Your number isn’t properly linked to your account.
Solution:
- Visit any UBA branch with ID
- Ensure your phone number matches bank records exactly
- International format (+234) sometimes causes issues — try local format
“Incorrect PIN” Message
Cause: You’ve entered the wrong PIN multiple times.
Solution:
- Wait 24 hours before trying again
- Dial
*919*30#to reset your PIN - Contact customer care if the reset option doesn’t work
“Network Error” or “Service Temporarily Unavailable”
Cause: Network congestion or system maintenance.
Solution:
- Try during off-peak hours (early morning or late night)
- Switch to a different network if possible
- Wait 30 minutes and retry
“Insufficient Balance” When You Know You Have Funds
Cause:
- Hidden charges or fees
- Pending transactions
- Account restrictions
Solution:
- Check detailed balance with
*919*00# - Call customer care to verify account status
- Ensure you’re not exceeding daily limits
Security Best Practices for USSD Banking
PIN Protection Strategies
- Never share your PIN — not even with UBA staff
- Change your PIN regularly using
*919*30# - Use different PINs for USSD and ATM transactions
- Create memorable but unpredictable combinations
Transaction Safety Tips
Before Sending Money:
- Verify recipient’s full name appears correctly
- Double-check account numbers digit by digit
- Confirm amount before final authorization
After Transactions:
- Screenshot confirmation messages
- Monitor account statements regularly
- Report discrepancies immediately
Fraud Prevention Tactics
Red Flags to Watch:
- Unsolicited calls asking for your PIN
- SMS claiming to be from UBA requesting USSD codes
- Pressure to transfer money urgently to “verification” accounts
- Links claiming to “update” your USSD registration
UBA will never:
- Ask for your PIN via phone or SMS
- Request money transfers for “verification”
- Send suspicious links for USSD updates
Advanced Features: Beyond Basic Transfers
Bill Payment Options
Dial *919*5# to access:
- Electricity bills (AEDC, Eko Electric, KEDC)
- TV subscriptions (DStv, GOtv, Startimes)
- Internet services (MTN, GLO, Airtel data)
- Government fees (tax, vehicle registration)
UBA No Wahala Loan
Access quick loans via *919*11#:
- Instant approval for existing customers
- No collateral required
- Competitive interest rates
- Repayment via USSD
Flight Booking Service
Dial *919*12# to:
- Search domestic flights
- Compare prices across airlines
- Book and pay instantly
- Receive e-tickets via SMS
Comparing UBA USSD with Competitors
| Feature | UBA (*919#) | GTBank (*737#) | Zenith (*966#) |
|---|---|---|---|
| Registration | No ATM card needed | Requires ATM card | Requires ATM card |
| Transfer fees | ₦10-50 | ₦10-50 | ₦10-50 |
| Daily limits | Up to ₦1M | Up to ₦1M | Up to ₦1M |
| Bill payments | Yes | Yes | Limited |
| Loan services | Yes | No | No |
| Flight booking | Yes | No | No |
UBA’s advantages:
- Easiest activation process
- Most comprehensive bill payment options
- Integrated loan services
- Flight booking functionality
FAQs: Real Questions from UBA Customers
Can I use UBA transfer code without airtime?
USSD sessions typically cost ₦5-10 per session, deducted from your airtime balance. Most networks allow the first session free daily, but you’ll need some airtime for subsequent transactions.
What happens if I send money to a wrong account?
Contact UBA customer care immediately at 01-2808822. Recovery depends on the receiving bank’s policies, but quick action improves your chances. Always verify recipient names before confirming transfers.
Can I transfer money internationally using *919#?
No, USSD codes only work for domestic Nigerian bank transfers. For international transfers, use UBA’s mobile app or visit a branch.
Is there a way to check my transaction history via USSD?
Dial *919*00# for basic balance and last transaction info. For detailed statements, use the UBA mobile app or request SMS alerts.
What if my phone is stolen — can someone access my account?
Immediately block your USSD service by calling 01-2808822. Also inform your network provider to block the SIM card. Your PIN provides security, but quick action prevents unauthorized access.
Can I open a new UBA account using USSD?
Yes! Dial *919*20# to start the account opening process. You’ll need your BVN and will receive instructions to complete the process at a branch.
Why does my transfer sometimes fail even with sufficient balance?
Common reasons include:
- Exceeding daily limits
- Recipient bank maintenance
- Network congestion
- Incorrect account details
- Pending previous transactions
Can I link multiple phone numbers to one UBA account?
Yes, but you’ll need to visit a branch to register additional numbers. The process helps verify your identity and prevents fraud.
Getting Help When You Need It
UBA Customer Care Channels:
- Phone: 01-2808822, 0700-UBABANK (0700-822-2265)
- WhatsApp: +234 903 001 0007 (Leo chatbot)
- Email: [email protected]
- Twitter: @UBACustomerCare
- Facebook: UBA Nigeria
Branch Locator: Visit ubagroup.com/nigeria/branch-locator
Best Times to Call:
- Weekdays: 8AM-5PM
- Weekends: 9AM-4PM
- Avoid Monday mornings and month-end periods
Final Thoughts: Making USSD Banking Work for You
The UBA transfer code transforms your basic phone into a portable bank branch. Whether you’re sending emergency funds to family, paying bills during a power outage, or buying airtime at 2AM, *919# provides consistent access to your finances.
Remember: Technology should simplify your life, not complicate it. Start with basic transfers and balance checks, then gradually explore advanced features like bill payments and loans. Keep your PIN secure, verify recipient details, and don’t hesitate to contact customer care when confused.
The future of banking isn’t just about smartphones and apps — it’s about inclusive solutions that work for everyone, everywhere, on any device. UBA’s USSD system proves that sometimes the most powerful innovations are also the simplest to use.
Last updated: March 2024. USSD codes and fees may change. Always verify current information with UBA’s official channels.