This content from kalistech.com will explain how Union Bank of Nigeria offers a convenient USSD service for customers to perform basic banking transactions using their mobile phones
The service is seamless, fast secure and it allow customers to bank from any Phone without the use of internet service.This article, we will walk you through the step-by-step process of registering for Union Bank USSD, highlight the requirements, benefits
Read: How to activate and register for zenith bank ussd
What is USSD banking?
USSD banking, also known as Unstructured Supplementary Service Data banking, is a mobile banking service that allows you to perform financial transactions directly from your mobile phone without needing an internet connection or a smartphone. It works by dialing a shortcode specific to your bank (like **826#)
How does USSD banking work?
- Dial the USSD code: Each bank has a unique shortcode.
- Menu: A menu of options will appear on your screen.
- Select transaction: Choose the transaction you want to perform (e.g., check balance, transfer funds, pay bills).
- Enter details: Follow the prompts to enter the required information, such as the recipient’s account number or the amount you wish to transfer.
- Confirm and authorize: Confirm the details and enter your PIN to authorize the transaction.
Also read: Standard Chartered Bank ussd : How to activate and register
Benefits of USSD banking:
- Convenience: Accessible 24/7 from any mobile phone.
- No internet required: Works even in areas with poor or no internet connectivity.
- Easy to use: Simple menu-driven interface.
- Secure: Transactions are protected by a PIN.
- Wide range of services: Offers various banking services like balance inquiry, transfers, bill payments, airtime top-up, etc.
Requirements for Registering for Union Bank USSD
To register for Union Bank USSD banking (*826#), you need to meet the following requirements:
- Active Union Bank Account: You must have an active Union Bank account.
- Registered Phone Number: The mobile phone number you intend to use for USSD banking must be registered with your Union Bank account. This is the number you provided to the bank when you opened your account or updated your information.
- Debit Card: You will need your Union Bank debit card details (card number, expiry date, and CVV) for initial registration and activation.
If you meet these requirements, you can register for *826# banking by dialing the code and following the on-screen prompts
Read: Stanbic IBTC Bank USSD: How to register and activate it
Services offered through Union bank 826#
- Account balance inquiry
- Funds transfer to Union Bank and other banks
- Airtime purchase for self and others
- Bills payment (electricity, water, etc.)
- Cardless withdrawals
- Generate a one-time PIN (OTP)
- Block/unblock ATM card
- Account opening
- Loan request
- Update BVN
Also read: How to register for Polaris bank ussd and transfer
How to register for Union bank ussd
Registering for Union Bank USSD banking (*826#) is quite simple:
Self-Registration:
- Dial *826# from your registered mobile number on the bank’s system.
- Follow the Prompts: The system will guide you through the registration process, which typically involves:
- Selecting your debit card from a list of linked cards.
- Entering your debit card PIN.
- Creating a new 5-digit PIN for USSD transactions.
How to Block union bank account from your phone number
You can easily block your Union Bank account from your phone number using the USSD code:
- Dial *826*6# from your registered phone number.
- Follow the Prompts: The system will guide you through the process of blocking your account. You will need to confirm your identity by providing certain details.
Alternatively, you can also block your account using the UnionMobile app or by calling Union Bank customer service at 0700 700 7000.
How to Block union bank account from other phone numbers
You can block your Union Bank account from unauthorized access via other phone numbers by utilizing their USSD code:
- Dial *826*6*Mobile Number# from any phone (not necessarily your registered number). Replace “Mobile Number” with the number you wish to block.
This will prevent anyone using that specific phone number from accessing your Union Bank account through the *826# USSD service.
Read:How to activate and register for UBA ussd
How to block and unblock union bank debit card
Union Bank offers several ways to block and unblock your debit card:
1. USSD Code:
- Block: Dial *826*21# from your registered phone number and follow the prompts.
- Unblock: Dial *826*21# and follow the prompts to unblock your card.
2. UnionMobile App:
- Block/Unblock: Log into the app, go to “Card Services” or “Self Service,” and select the option to block or unblock your card.
3. UnionOnline:
- Block/Unblock: Log into UnionOnline, go to “Self Service,” and select “Block/Unblock Debit Card.” Follow the instructions to complete the process.
How to Check union bank account balance
To check your Union Bank account balance using USSD:
-
- Dial *826*4# from the mobile number registered with your Union Bank account.
- Enter your 4-digit PIN when prompted.
- Your account balance will be displayed on the screen.
Read: How to register and activate keystone bank ussd code
How to buy airtime from union bank
Union Bank offers two simple ways to buy airtime using USSD:
To Recharge Your Own Line:
- Dial *826*Amount# (Replace “Amount” with the desired airtime value).
- Enter your 4-digit PIN when prompted.
For example, to buy ₦500 airtime, dial *826*500#.
To Recharge Another Line:
- Dial *826*Amount*Mobile Number# (Replace “Amount” with the desired airtime value and “Mobile Number” with the recipient’s phone number).
- Enter your 4-digit PIN when prompted.
For example, to buy ₦1000 airtime for 08012345678, dial *826*1000*08012345678#
How to transfer money from union bank
Union Bank offers two ways to transfer money using USSD:
-
Transferring within Union Bank:
- Dial
*826*1*Amount*Account Number#from your registered mobile number. - For example, to transfer ₦5000 to account number 1234567890, dial *826*1*5000*1234567890#
- Follow the prompts to confirm the details and enter your 4-digit PIN.
-
Transferring to Other Banks:
- Dial
*826*2*Amount*Account Number#from your registered mobile number. - For example, to transfer ₦3000 to a GTBank account number 0123456789, dial *826*2*3000*123456789#
- Follow the prompts to confirm the details and enter your 4-digit PIN.
Union bank Cardless withdrawal
Union Bank offers cardless withdrawals through several convenient channels:
- Dial *826*7*Amount# from your registered mobile number.
- Input your PIN and submit.
- You will receive an SMS with a Paycode and a one-time password (OTP).
- At the ATM, select “Cardless Withdrawal” and follow the prompts to enter your Paycode and OTP
How to buy data from Union bank
You can easily buy data from Union Bank using their USSD code *826#:
- Dial *826*9# from your registered mobile number.
- Choose the network provider (MTN, Airtel, Glo, or 9mobile) for which you want to purchase data.
- Select the data plan that suits your needs from the available options.
- Enter your 4-digit PIN to confirm the transaction.
The data will be credited to your phone number instantly.
How to Request Union bank debit card
Union Bank makes it easy to request a debit card using USSD (*826#) by following these steps:
- Dial *826*21# from your registered phone number.
- Reply with 1 to select the card request option.
- Choose your card type:
- Reply with 1 for a Verve card.
- Reply with 2 for a Mastercard.
- Select the account to link the card to by replying with the corresponding account number.
- Input your transaction PIN.
- Click send to complete the request.
After completing these steps, you will receive a notification confirming your request. Your debit card will be processed, and you can pick it up at your preferred branch when it’s ready.
FAQS
Q: What is Union Bank USSD (826#)?
A: It’s a mobile banking service that lets you perform transactions directly from your phone without an internet connection.
*Q: Who can use 826#?
A: Any Union Bank customer with a registered mobile phone number.
*Q: How do I register for 826#?
A: Dial *826# and follow the prompts or register through the UnionMobile app.
*Q: What transactions can I do with 826#?
A: You can check balance, transfer funds, buy airtime/data, pay bills, withdraw cash without a card, and more.
*Q: Is 826# safe to use?
A: Yes, transactions are protected by a PIN. Never share your PIN with anyone.
*Q: What are the charges for using 826#?
A: No. The N6.98 is a fee charged by your mobile network service provider. The regular transaction fees will be charged for your transactions and other services
Q: What if I forget my PIN?
A: Dial *826*5# to reset your PIN.
Q: What if I have a complaint or issue?
A: Call Union Bank customer service at 0700 700 7000 or visit a branch.
*Q: Can I use 826# on any phone?
A: Yes, it works on any phone with a network connection.
*Q: What is the daily transaction limit on 826#?
A: The limit varies depending on the transaction type. Check with Union Bank for details.
*Q: Can I use 826# to open an account?
A: Yes, you can initiate the account opening process through *826#.
Q: What other self-service options does Union Bank offer?
A: Besides *826#, you can also use the UnionMobile app or UnionOnline internet banking.
