The United Bank for Africa (UBA) is a leading financial institution in Africa, known for its comprehensive range of banking services that cater to diverse customer needs across the continent.
As part of its commitment to enhancing customer experience and promoting financial inclusion, UBA has introduced a USSD code service that allows customers to perform a variety of banking transactions quickly and effortlessly from their mobile phones.
The USSD code *919#, popularly known as the “Magic Banking” code, is designed to make banking more accessible, especially for individuals who may not have access to smartphones or a stable internet connection.
This service offers a convenient, secure, and fast way to conduct transactions, manage finances, and access several banking services.
It aligns with UBA’s vision to lead in digital banking by providing innovative solutions that simplify the banking process. Whether it is transferring money to friends and family, checking account balances, buying airtime, paying bills, or even opening a new account, all these can be achieved through the UBA USSD code.
This USSD service is not only user-friendly but also enhances banking convenience, promoting financial inclusivity by making banking services widely accessible to everyone with a mobile phone.
Read: How to register for Union bank ussd code and carry out transaction
Features and benefits Of Uba Ussd Code
UBA’s USSD code (*919#), also known as Magic Banking, puts a full-service bank right in your pocket—no data or smartphone needed.
Key Features
- Instant Access
- Works on all mobile phones, including basic feature phones.
- Protected by a unique 4-digit PIN you create during registration.
- Manage multiple UBA accounts from one phone.
- No internet required—perfect for rural areas or low-connectivity zones.
What You Can Do with *919#
- Check Account Balance
- Transfer Funds
- Buy Airtime:
- Pay Bills: DSTV, GOTV, electricity, and more.
- Open a New Account
- Cardless Withdrawals
- Loan Requests
Benefits
Using UBA’s USSD banking service provides numerous benefits that cater to both the technologically savvy and those who prefer straightforward methods of banking.
One of the primary advantages is its convenience. With UBA USSD banking, you can conduct a wide range of financial transactions directly from your mobile phone, eliminating the need to visit a physical bank branch.
This convenience is not limited by time or location, as you can access your banking services 24/7 from anywhere with a mobile network signal.
- Convenience: No queues, no apps—just dial and go.
- Speed: Transactions complete in seconds.
- Security: PIN-protected and encrypted.
- Accessibility: Ideal for users without smartphones or internet access.
Read: How to register for Sterling bank ussd code and transaction
How To Register And Activate Uba Ussd Banking
To register and activate UBA USSD banking, you must first ensure you have an active account with United Bank of Africa and a mobile phone number linked to your bank account. Begin by dialing the official UBA USSD code, which is *919#, from your registered mobile number.
Upon dialing, a menu will appear prompting you to choose from various services. Select the option for first-time user registration by following the on-screen instructions.
Here how to et start:
Dial *919# from the mobile number linked to your UBA account.
- Select “Register” or press 1 to begin.
- Choose between:
- UBA Account with PIN
- UBA Prepaid Card
- Enter your 10-digit account number or prepaid card number.
- Input the last 4 digits of your UBA debit card or your BVN (if you don’t have a card).
- Create a 4-digit USSD PIN to secure your transactions.
- Confirm your PIN and complete the setup.
- Once activated, you’ll be able to transfer money, buy airtime, pay bills, and even open new accounts—all from your phone
Requirements
- A UBA account or prepaid card.
- A mobile phone (smart or basic).
- A registered Nigerian phone number.
- Your BVN or debit card details.
Read; How to register for Stanbic IBTC Bank USSD and contact customer care
How to transfer money from uba ussd code
UBA’s USSD code (*919#) makes money transfers super fast and easy—no internet or app required.
Transfer to Another UBA Account
Dial *919*3*RecipientAccountNumber*Amount#
Example: *919*3*1234567890*5000#
- Confirm with your 4-digit USSD PIN.
- Funds are sent instantly!
Transfer to Other Banks
Dial *919*4*RecipientAccountNumber*Amount#
Example: *919*4*0987654321*5000#
- Select the recipient’s bank from the list.
- Enter your PIN to authorize the transaction.
Transfer Limits
- Default daily limit: ₦100,000
- To increase your limit (up to ₦1 million), request a UBA secure token
How to buy airtime from uba ussd code
UBA’s USSD code makes airtime top-ups a breeze, even without internet access.
To Buy Airtime for Yourself
Dial *919*Amount#
Example: *919*500# to buy ₦500 airtime
- Must be done from the phone number linked to your UBA account.
- No PIN required—instant recharge!
To Buy Airtime for Someone Else
Dial *919*PhoneNumber*Amount#
Example: *919*08012345678*500#
- Works for any Nigerian mobile number.
- Also it require a PIN. so enter your pin to authorize the airtime purchase
UBA Cardless ATM Withdrawals
UBA’s Cardless ATM Withdrawal lets you get cash from an ATM without your debit card—perfect for emergencies or when you just want to travel light.
How to Withdraw Cash Without a Card
Using USSD
Dial *919*30*Amount#
Example: *919*30*5000#
- Enter your UBA USSD PIN.
- Select the account to debit.
- Create a one-time 4-digit PIN.
- You’ll receive a withdrawal code via SMS.
- At the ATM, select Cardless Withdrawal, enter the code and PIN, and collect your cash.
Using the UBA Mobile App
- Log in to the app.
- Select Cardless Withdrawal.
- Enter the amount and create a one-time PIN.
- Receive your withdrawal code.
- Use it at any UBA ATM to withdraw cash.
Via Leo (UBA’s Chatbot)
- Chat with Leo on Facebook, WhatsApp, or Apple Business Chat.
- Send “Cardless Withdrawal.”
- Create a one-time PIN and receive your token.
- Use it at the ATM just like above.
Biometric Option
- At the ATM, select Cardless → Biometric Option.
- Place your right thumb on the scanner for 5 seconds.
- Enter your account number and amount.
- Cash dispensed—no PIN or code needed.
Read: How to register for Polaris bank ussd and transfer
How to Check Account Balance from UBA ussd
UBA makes it super easy to check your account balance using USSD, no data or app required.
Dial *919*00# from your registered phone number
- Enter your 4-digit USSD PIN when prompted.
- Your account balance will be sent to you via SMS instantly.
How to Pay Bills via UBA USSD
Paying bills with UBA’s USSD code is super convenient—no app, no data, just your phone and a few taps.
Dial *919*5# from your registered phone number
- Select the type of bill you want to pay (e.g. electricity, cable TV, internet, etc.).
- Choose your service provider from the list.
- Enter your customer/account number for that service.
- Input the amount you want to pay.
- Confirm with your UBA USSD PIN.
Once done, you’ll get a confirmation message and your service should be updated shortly.
Read: How to register and activate keystone bank ussd code
How to Block Your UBA Account via USSD
If you ever suspect fraud, lose your phone, or just want to lock things down fast—UBA’s USSD option has your back
Dial *919*9# from any mobile phone
- Enter the phone number linked to your UBA account.
- Input your 4-digit USSD PIN.
- You’ll receive a confirmation SMS once your account is successfully blocked.
This works even if your phone is stolen—you can use a friend’s phone or any other device with network access.
How to get uba account statement
Getting your UBA account statement is super easy and you’ve got options depending on what’s most convenient for you.
Via UBA Mobile App
- Log in to the app.
- Tap “More” at the bottom right.
- Select “Product & Services” → “Request Bank Statement.”
- Choose your account and the date range.
- Pick where you want it sent (e.g. your email).
- Done! You’ll get a confirmation once it’s delivered.
Through UBA Internet Banking
- Visit the UBA Internet Banking portal.
- Log in with your credentials.
- Go to “Account Services” → “Request Statement of Account.”
- Enter the date range and format (PDF or email).
- Submit and download or wait for it to arrive in your inbox.
Using Leo (UBA’s Chatbot)
- Chat with Leo on Facebook, WhatsApp, or Apple Business Chat.
- Send “ACCOUNT STATEMENT.”
- Follow the prompts to get your statement sent to your email.
With USSD Code
- Dial
*919#from your registered phone. - Select “Mini Statement” from the menu.
- Enter your USSD PIN.
- Your statement will be sent to your registered email.
By Email Request
- Send an email to cfc@ubagroup.com.
- Include your account number and the statement period.
- You’ll receive a password-protected PDF within 24 hours
How to Open a New uba Account via ussd
Opening a UBA account via USSD is quick, free, and doesn’t require internet access—perfect if you’re on the move
Just Dial *919# on your mobile phone
- Select “Open Account” from the menu.
- Enter your full name, date of birth, and other requested details.
- Input your BVN (Bank Verification Number). If you don’t have one, you’ll need to visit a UBA branch to register.
- Choose a 4-digit PIN for secure transactions.
- Your UBA account number will be sent to your phone via SMS
- To unlock full access (like ATM withdrawals or transfers), visit any UBA branch with a valid ID to complete your KYC (Know Your Customer) process
UBA ussd PIN Reset
Resetting your UBA USSD PIN is quick and secure, Frank—perfect if you’ve forgotten it or just want to change it for safety.
Dial *919# from your registered mobile number
- Select “PIN Setup” from the menu.
- Choose “Reset PIN”.
- Enter your current PIN (if you remember it).
- Create a new 4-digit PIN and confirm.
If you’ve completely forgotten your PIN and can’t access the menu, you may need to visit a UBA branch or call customer care for assistance.
UBA Customer Care
- Call +234 700 2255 822 or +234 1 280 8822
- Or email cfc@ubagroup.com