Complete List of Latest UBA USSD Codes (2025)

Ever stuck needing to send cash fast but no internet?

Or maybe you’re wondering how to check your balance without hitting the ATM?

You’re not alone—tons of UBA customers in Nigeria want banking that’s quick, secure, and doesn’t need a fancy smartphone.

That’s where UBA’s USSD codes come in, like a cheat code for your money.

I’m revealing every UBA Nigeria USSD code you’ll ever need.

No fluff, just the good stuff—think of me as your buddy spilling the beans over coffee.

Why USSD Codes Are a Game-Changer for UBA Customers

USSD codes are like texting your bank to get stuff done.

No internet, no app, just your phone and a few digits.

For UBA Nigeria, *919# is the magic number that unlocks it all.

It’s perfect for folks in remote areas or when your data’s acting up.

I remember my cousin Tunde in Lagos, stuck at a market with no Wi-Fi.

He needed to pay a vendor ASAP or lose a deal.

Dialed *919#, sent the cash in seconds, deal closed.

That’s the power of USSD—convenience that saves your day.

Here’s why UBA’s USSD codes are a big deal:

No Internet Needed: Works on any phone, even that old Nokia in your drawer.
Fast as Lightning: Transactions done in under a minute.
Secure: PIN or OTP keeps your money safe.
Always On: 24/7 access, no bank hours nonsense.

But let’s be real—knowing the right code is half the battle

I’m laying out every UBA USSD code so you’re never stuck guessing.

The Master UBA USSD Code: *919#

This is the golden key.

Dial *919# and a menu pops up on your phone.

From there, you can transfer money, buy airtime, pay bills, or check your balance.

It’s like having a mini-bank in your pocket.

But *919# has sub-codes for specific tasks.

I’ll break them down so you can move like a pro.

Complete List of UBA Nigeria USSD Codes

Here’s every UBA USSD code you need in 2025.

Each one’s got a job, and I’m spelling it out clear.

Save this list—you’ll thank me later.

1. Check Account Balance

Code: *919*0*0#

Want to know how much cash you’ve got?

Dial this and your balance pops up instantly.

Pro tip: Do this before big spending to avoid that “insufficient funds” embarrassment.

Last week, my friend Amaka checked her balance before a dinner date.

Saved her from an awkward “card declined” moment.

2. Transfer Money to UBA Account

Code: *919*3*Account Number*Amount#

Need to send cash to another UBA account?

This is your go-to.

Example: To send ₦5,000 to 1234567890, dial *919*3*1234567890*5000#.

Enter your PIN, and boom—done.

3. Transfer Money to Other Banks

Code: *919*4*Account Number*Amount#

Sending money to GTBank, Zenith, or any other bank?

This code’s got you.

Example: *919*4*0987654321*10000# sends ₦10,000 to a non-UBA account.

Just pick the bank from the menu and confirm with your PIN.

I once helped a client pay a supplier in Abuja from Lagos—took 30 seconds.

4. Buy Airtime for Yourself

Code: *919*Amount#

Low on airtime?

Dial *919*500# to top up ₦500.

Works for MTN, Glo, Airtel, or 9mobile.

My barber, Chidi, uses this daily to stay connected with clients.

Saves him a trip to the recharge shop.

5. Buy Airtime for Someone Else

Code: *919*Phone Number*Amount#

Want to hook up a friend?

Example: *919*08012345678*1000# sends ₦1,000 airtime to that number.

I did this for my mom when she ran out of call credit during a family chat.

She was thrilled.

6. Pay Bills (DSTV, PHCN, etc.)

Code: *919*5#

Settling utility bills or renewing subscriptions?

Dial *919*5#, pick your service, and follow the prompts.

Supports DSTV, GOTV, electricity bills, and more.

My neighbor Bola used this to renew her DSTV during a big football match.

No missing the game.

7. Apply for a Loan

Code: *919*28#

Need quick cash?

This code lets you check loan eligibility and apply.

You’ll need your BVN and an active UBA account.

A friend got a ₦50,000 loan in minutes to cover a medical bill.

Just be sure you can repay to avoid drama.

8. Block Your Account

Code: *919*10#

Lost your phone or suspect fraud?

Dial this to freeze your account fast.

It’s a lifesaver if your details are compromised.

I heard about a guy who blocked his account after dropping his phone in a taxi.

Saved his savings.

9. Open a New UBA Account

Code: *919*20#

No UBA account yet?

Dial this to open one without stepping into a branch.

You’ll need your BVN and some basic info.

My cousin opened hers while waiting for a bus.

That’s next-level convenience.

10. Check BVN

Code: *919*18#

Forgot your Bank Verification Number?

This code displays it instantly.

Super handy for loan apps or new account setups.

I used this when a fintech app kept rejecting my details—problem solved.

11. Cardless Withdrawal

Code: *919*30*Amount#

Need cash but forgot your ATM card?

Dial this to generate a withdrawal code for any UBA ATM.

Example: *919*30*5000# for ₦5,000.

A colleague used this when her purse got stolen.

Got cash, no panic.

How to Get Started with UBA USSD Banking

New to this?

Here’s how to set up and start using UBA’s *919# like a boss:

Register: Dial *919# and follow the prompts to link your phone number to your UBA account.
Set a PIN: Create a 4-digit PIN for transactions. Don’t use 1234 or your birthday—be smarter than that.
Use the Right SIM: The phone number must be the one tied to your UBA account.
Keep Your PIN Safe: Never share it. Not even with your bestie.

I had a client who used his birth year as a PIN.

Guess what? His nephew cracked it and bought airtime.

Lesson learned—pick something random.

Common Problems and Fixes

USSD isn’t perfect.

Sometimes it glitches, but I’ve got your back.

Here are issues you might face and how to handle them:

“Connection Error”: Weak network. Move to a spot with better signal or try later.
“Invalid PIN”: Double-check your PIN. Locked out? Visit a UBA branch to reset.
Wrong Transaction: Act fast—call UBA at 01-2808822 or visit a branch.
Code Not Working: Ensure you’re dialing the exact code. Typos mess things up.

My friend Segun once fat-fingered a transfer code.

Sent ₦10,000 to the wrong account.

UBA’s customer care sorted it in a day—phew.

Tips to Stay Safe with UBA USSD Codes

Security’s no joke.

Your money’s on the line, so here’s how to keep it locked:

Don’t Share Your PIN: Not with family, not with “bank staff” calling you.
Use Official Codes: Stick to *919# and its sub-codes. Fake codes are scams.
Log Out After Use: Some phones save USSD sessions. Clear them.
Watch for Phishing: If a “bank” texts you to dial a weird code, ignore it.

A scam almost got my aunt.

She got a text to dial *999# for a “refund.”

Smelled fishy, called UBA, and dodged a bullet.

Why UBA’s USSD Codes Beat Apps (Sometimes)

Apps are cool, but USSD has its edge:

Works on any phone, no smartphone needed.
No data charges eating your wallet.
Faster for quick tasks like airtime top-ups.
Reliable in low-network areas.

That said, if you’ve got a smartphone and stable internet, UBA’s app is great for bigger stuff like loan tracking or forex.

Mix and match based on your needs.

Wrapping It Up: Your Money, Your Control

UBA’s *919# and its sub-codes are your ticket to stress-free banking.

From transfers to loans to airtime, you’re covered.

No internet? No problem.

No smartphone? Still good.

Bookmark this list, share it with your crew, and bank like a pro.

Got a story about USSD saving your day?

Drop it in the comments—I’m all ears.

Now go dial *919# and take charge of your cash.

Complete List of UBA USSD Codes