UBA USSD Code: Complete Guide for Nigerians (2026)
Quick answer: The UBA USSD code is *919#. Dial it from any phone linked to your UBA account — no internet or airtime required. Once connected you can check your balance, transfer money, buy airtime, pay bills, book flights, generate OTPs, and more, all from your phone.
This guide covers every confirmed function on the *919# menu including the exact codes, charges, and transaction limits, so you always know what to dial without guessing.
UBA USSD Code Quick Reference — All Codes and Charges
Transaction Limits on UBA *919# USSD
- PIN authentication: N20,000 per transaction and N20,000 per day
- Token authentication: N1,000,000 per transaction and N1,000,000 per day (for customers with token but no indemnity)
- Airtime purchase: limited to N20,000 per day — PIN authentication only
- Session charge: N6.98 per USSD session for existing users. Enrolment is free.
How to Check Your UBA Account Balance
The UBA account balance code is *919*00#. Here is how to use it:
- Dial *919*00# from your UBA-registered phone number
- Your current balance displays on screen immediately
- No PIN is required for a balance check
- Charge is ₦10 per inquiry.
Works on any network — MTN, Airtel, Glo, or T2 Mobile — as long as the SIM is registered to your UBA account.
UBA Transfer Code: How to Send Money via USSD
To transfer funds, dial *919# and select the Funds Transfer option from the menu. The UBA transfer code function covers transfers to UBA accounts, other Nigerian banks, and UBA prepaid cards.
Transfer to Any Nigerian Bank Account
- Dial *919# from your UBA-registered SIM
- Select Funds Transfer from the menu
- Choose UBA account, Other Bank, or Prepaid Card
- Enter the destination account number and amount
- Confirm the account name displayed on screen
- Enter your 4-digit USSD PIN to authorise
- Receive a confirmation SMS once processed
The UBA to UBA transfer code and transfer code of UBA both access the same *919# Funds Transfer function.
How to Buy Airtime on UBA
Buy Airtime for Yourself
Dial *919*Amount# to top up your own line. Example: *919*1000# to buy N1,000 airtime. Airtime top-up via *919# is free of charge and comes with a 10% extra airtime bonus on any network.
Buy Airtime for Family and Friends
Dial *919*PhoneNumber*Amount#. Example: *919*08123456789*1000# to send N1,000 airtime to that number. Works on all networks. Also free of charge. Daily airtime purchase limit is N20,000 per day, PIN authentication only.
How to Buy Data on UBA
Dial *919*14# and select your preferred bundle from the options displayed. If you want to buy data for a third party number, dial *919*14*phonenumber#
How to Pay Bills on UBA
Dial *919*5# to access bill payments. Charge: N100 + VAT per transaction. Covers utility bills, subscriptions, and other supported billers.
How to Block Your UBA Debit Card via USSD
To block your debit card immediately if it is lost or stolen:
- Dial *919*10# from your registered phone number
- Third-party freeze (emergency): Dial *919*911# — free
ATM Cardless Withdrawal on UBA
Dial *919*30*Amount# to initiate a cardless withdrawal at any UBA ATM. Charge: N100 + VAT. The ATM will prompt you to complete the withdrawal without inserting a card.
Book Flights on UBA
UBA *919# includes a flight booking service. Dial *919*12# to access it. Charge: N50 + VAT per booking. Follow the on-screen prompts to select your route, date, and class.
How to Generate an OTP on UBA
Dial *919*8# to generate a one-time password for online transactions. Charge: N5 per OTP. Use this if you need an OTP for an internet banking session or card transaction and your SMS is delayed.
How to Open a UBA Account via USSD
Dial *919*20# to open a basic UBA savings account. The process is free and takes minutes. You will need to be enrolled on SMS alerts and dial from the phone number you want linked to the account.
- Dial *919*20# from your preferred phone number
- Choose to register with a UBA Account or UBA Prepaid Card
- Follow the on-screen prompts to complete enrolment
- Your account number arrives by SMS
Options to upgrade to higher transaction limits are available after enrolment.
How to Freeze Online Transactions on UBA
Dial *919*9# to freeze your account's online transactions instantly. This is free and useful if you suspect unauthorised access to your account. Contact UBA customer care to unfreeze once the issue is resolved.
How to Reset Your UBA USSD PIN
Dial *919# and select PIN Setup from the main menu. Follow the on-screen prompts to change or reset your PIN. PIN reset is free. If you are locked out, contact UBA customer care on +234-02012808822 or email cfc@ubagroup.com.
How to Retrieve Your BVN on UBA
Dial *919*18# to retrieve your BVN. Charge: N20. Your 11-digit BVN will display on screen. To link a BVN to your account, dial *919*60*YourBVN#.
How to Enrol for UBA *919# USSD Banking
Enrolment is free. There are two ways to register:
- With a UBA Bank Account: Dial *919#, select registration, then follow the prompts
- With a UBA Prepaid Card: Dial *919# and select the prepaid card option
Requirements: you must be enrolled for SMS alerts, and the phone number you dial from must be registered on the account or prepaid card you are enrolling with. Subsequent transactions after enrolment are charged at N6.98 per USSD session.
UBA *919# Not Working? Common Fixes
- Confirm you are dialling from the phone number registered to your UBA account — the service is SIM-locked
- Check your SIM is not blocked due to NIN non-linkage — text your NIN to 996 (MTN), 121 (Airtel), 109 (Glo), or 200 (T2 Mobile) to relink
- Ensure you have sufficient airtime to cover the N6.98 session charge — USSD will not connect without it
- Wait 2-3 minutes and retry — *919# occasionally experiences brief congestion at peak hours
- Contact UBA 24/7 Customer Fulfilment Centre on +234-02012808822 or +234-02012808800 or email cfc@ubagroup.com
Get More From Your UBA Account With FlipEx
Once your UBA account is funded, FlipEx lets you go further. Sell gift cards or crypto on the FlipEx app and your Naira lands in your FlipEx wallet — withdraw directly to your UBA account in seconds. The whole process takes under two minutes and there are no FlipEx transfer fees.
Frequently Asked Questions
What is the UBA USSD code?
The UBA USSD code is *919#. Dial it from your UBA-registered phone to access balance checks, transfers, airtime, data, bill payments, flight booking, OTP generation, and more. No internet is required.
What is the UBA transfer code?
Dial *919# and select Funds Transfer from the main menu. This covers transfers to UBA accounts, other Nigerian banks, and UBA prepaid cards.
How do I check my UBA account balance?
Dial *919*00# from your UBA-registered SIM. Balance displays instantly. Charge: N10 per inquiry. No PIN required.
What is the UBA code to check account balance?
*919*00# is the dedicated balance inquiry code. Works on any network as long as the SIM is registered to your UBA account.
How do I buy airtime on UBA *919#?
Dial *919*Amount# for yourself (e.g. *919*1000#) or *919*PhoneNumber*Amount# for someone else (e.g. *919*08123456789*1000#). Airtime purchase is free and comes with a 10% extra airtime bonus on any network. Daily limit: N20,000.
How do I pay bills on UBA *919#?
Dial *919*5# to access bill payments. Charge: N100 + VAT per transaction.
How do I block my UBA debit card via USSD?
Dial *919*10# to block your card (charge: N5). For an emergency third-party freeze, dial *919*911# (free).
What is the UBA *919# OTP code?
Dial *919*8# to generate a one-time password for online transactions. Charge: N5 per OTP.
What are the transaction limits on UBA *919#?
PIN transactions: N20,000 per transaction and per day. Token transactions: N1,000,000 per transaction and per day. Airtime is capped at N20,000 per day.
How much does UBA *919# USSD charge per session?
N6.98 per USSD session for existing users. Enrolment for new users is free.
How do I reset my UBA USSD PIN?
Dial *919# and select PIN Setup from the main menu. Follow the on-screen prompts. PIN reset is free.
How do I retrieve my BVN on UBA *919#?
Dial *919*18# to retrieve your BVN. Charge: N20. To link a BVN to your account, dial *919*60*YourBVN#.