Before the advent of Internet Banking, where you can just log into your bank app and make a transfer or buy airtime, we used to simply dial a code on our phones to do everything: send money, buy data, check account balance, among other things. 

UBA USSD codes are still used in carrying out various UBA banking operations, and understanding the different codes and how they work or what they really are is difficult. 

This article will list out all the UBA USSD codes to help you make use of them seamlessly.

What are USSD Codes?

USSD (Unstructured Supplementary Service Data) codes let you perform banking transactions by dialing a shortcode, like *123#, on your phone. 

Nigerian banks support USSD, making it the most accessible way to bank for millions of people. You can use them on virtually every phone.

They’re quick and convenient to use, especially when you’re in a situation where you don’t have access to the internet and urgently need to access your bank account. 

UBA; like most of the banking institutions in Nigeria, make use of USSD codes and have their own special USSD codes for customers. 

How to Use UBA Bank USSD Codes

To make a payment, the customer dials the UBA USSD code and follows simple prompts to authorize the transaction. Once approved, the payment is processed instantly, and both the customer and merchant receive confirmation.

Requirements: A registered phone number that’s linked to your bank account.  

Updated List of UBA USSD Codes (2025) 

1. How to Check Your Account Balance With UBA USSD code: Dail *919*00#

Simply Dial *919*00# on your UBA registered phone number. Authenticate using a four (4) digit security code (You can create a security code using the Menu option). Your account balance is immediately generated after this has been provided.

2. How to Open An Account with UBA USSD CODE: Dail *919*20#

Dial *919*20# and follow the prompts, you can either open an account by using your BVN or by providing your personal details as prompted. Upon provision of the required details, you will receive an SMS with details of your new account number.

3. Funds Transfer (UBA to UBA & other banks)  

• UBA To UBA: Dial *919*3*account number*amount # from the phone number you registered with UBA, then follow the simple steps.
• Send Money to other Banks: Dial *919*4*account number*amount# from the phone number you registered with UBA.

4. How to Purchase Airtime and Data using UBA USSD CODE: *919*Amount#

• Airtime TopUp: To buy airtime for yourself using UBA USSD code, simply dial *919*Amount# (e.g: *919*1000#) on your phone, wait for the success message and start making calls.
• Airtime TopUp for Friends & Family: To buy airtime for friends or family members using UBA USSD code, simply dial *919*Amount*Phone Number#.
• Data top up for self: To buy data for yourself using UBA USSD code, simply dial *919*14# on your registered mobile line and follow the prompt.
• Data top up for family and friends: To buy data for your family and friends using UBA USSD code, simply dial *919*14*Phone Number# on your registered mobile line and follow the prompt.

5. Pay Bills using UBA USSD codes:

To pay your utility bills such as NEPA or recharge your DSTV decoder, dail *919*5# and follow the prompts provided. Note that there’s a charge of ₦100 + VAT.

6. ATM Cardless Withdrawal using UBA USSD code:

If you need to make a quick withdrawal from your local POS stand and your UBA ATM card isn’t on hand, use the UBA USSD code, *919*30*Amount# and follow the prompts. Note that there’s a  charge of ₦100 + VAT.

7. Freeze Online Transactions using UBA USSD code:

If you’re feeling wary about the security of your account, use the UBA USSD code to freeze your account. Simply dail  *919*9# and your online transactions will be shut down at once at no cost.

8. Block Debit Card using UBA USSD code:

Lost your UBA card and need to block it just in case it gets into the wrong hands? Simply dial *919*10# on your registered phone number to block your account.

9. Retrieve BVN using UBA USSD code:

To retrieve your account using the UBA USSD code, simply dail *919*18# and follow the prompts. Your BVN number will be sent to you after.

BONUS

UBA Customer Support & Help 

For any complaints or questions about missing funds or how to increase your bank account limits, please contact any of the following numbers below.

UBA Nigeria Contact Numbers (CFC)

(+234) 02-012808822 

(+234) 02-012808800

Frequently Asked Questions (FAQs)

Is there a charge for using UBA USSD codes?

Yes there is. There is a ₦6.98 charge deducted from your credit (airtime) per 120 seconds whenever these USSD codes are used. 

What should I do if my USSD transaction fails?

Contact any of the customer service numbers below.

(+234) 02-012808822 

(+234) 02-012808800 

 Conclusion

If you find yourself stuck in a situation where you need access to your funds but don’t have any data, you don’t have to worry. 

With these short and easy-to-use UBA USSD codes, you can always use your UBA account. Make sure to save these codes just in case and look out for any future changes.

But while USSD helps with quick transactions, true financial security comes from planning ahead. With Sycamore NG, you can automate savings, invest confidently, and build an emergency fund that actually grows.

Download the Sycamore app today, your money deserves more than just spending power.