The USSD code for Union Bank Nigeria Plc is *826#. Most people who use this code to carry out bank transfers calls it Union Bank Transfer Code, and Union Bank Code. Moreover, the code can be used to carry out transactions with ease as is done with other banks USSD codes. However, some write it in error as unionbank transfer code, and union bank transfer cord.
UnionBank Transfer Code
The Union Bank Transfer Code can be used to send money from one union bank account to another. It can also be used to transfer money from union bank accounts to other banks in Nigeria. It can be used to buy airtime for yourself and others; to pay bills, such as Electric bills, TV Subscription, etc. It can also be used to generate a pay code and PIN for cardless withdrawals from ATMs.
The following instructions show how to use the union bank USSD code. With this tabulated instructions, you can also see other services you can assess such as checking of account balance.
How To Register for Union Bank Transfer Code

Union Bank says the experience they have had over their 100 years of operation has taught them to give rather than receive. So, they want people to be able to register for the USSD code for free. If you want to register, simply dial *826# on your phone and follow the simple instruction shown on your phone.
How To Buy Airtime With Union Bank Code
If you want to buy airtime for the phone number you registered with your union bank account, simply dial *826*amount# on the phone. For example, *826*1000# will credit your phone with ₦1000. Also, remember this code can only work if you want to recharge the phone number you registered with your account number.
If you want to recharge other people’s phone with the union bank code, simply dial *826*amount*phone number#. For example, *826*500*08012345678, the phone number you are to put is the phone number you want to recharge not your own phone number. The format is *826*amount*recipient phone number#. You will also need to enter your 4 digit PIN to authenticate this transaction.
Buying airtime with the union bank code is free and the money is deducted directly from you union bank account.
How To Create A PIN for Union Bank Transfer Code
It is easy to create PIN to be used to authenticate your transaction. To do this, dial *826*5# from your phone number; that is the phone number you register with your union bank account. The PIN should be kept secret so that others don’t have access to it. Remember, the code to be dialed is *826*5#, then input 4 digit PIN that you’ll be using henceforth for your transactions.
You can also create transaction PIN while working with Firstbank Transfer Code / GTbank Transfer Code / UBA Transfer Code / Ecobank Transfer Code.
How To Transfer Money With Union Bank Transfer Code
If you want to transfer money to other union bank accounts, the code you are to use is different from the code you’ll use to transfer from union bank to other banks in Nigeria. To transfer from one union bank account to another dial *826*1*amount*account number#. For example, *826*1*5000*1234567890#, you will need your PIN to complete this transaction.
If you want to transfer from union bank to accounts with other banks in Nigeria dial *826*2*amount*account number#. For example, *826*2*3000*1234567890#.
Transfer from one union bank account to another is free while transfer from union bank to other banks attract a transaction fee of ₦52.50. This is as a result of the service charge usually generated by the receiving bank.