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UBA USSD code *919# for transfer and balance

The UBA USSD code is *919#. To send money to another UBA account dial *919*3*AccountNumber*Amount#; to send to another bank dial *919*4*AccountNumber*Amount#. Use the line registered to your account. UBA calls this service Magic Banking, and you can also open an account on *919#.

*919#Dial

Verified 12 Oct 2026Official source

All UBA codes

  • Action
    Airtime
    Code
    *919*Amount#
    Notes
    Airtime for yourself. For others: *919*PhoneNumber*Amount#.
  • Action
    Transfer
    Code
    *919*6#
    Notes
    Transfer to microfinance banks and fintechs. Menu-based.
  • Action
    Transfer
    Code
    *919*4*AccountNumber*Amount#
    Notes
    Transfer to other banks. Account number comes before amount on UBA.
  • Action
    Transfer
    Code
    *919*3*AccountNumber*Amount#
    Notes
    Transfer to another UBA account. Up to ₦1m per day. Dial from your registered line.

UBA transfer code

UBA puts the account number before the amount, the reverse of GTBank and First Bank. Get the order wrong and the menu rejects the request. *919*3* is for UBA-to-UBA, *919*4* is for other banks, and UBA's own blog puts the daily USSD limit at ₦1 million.

Sending to a microfinance bank, insurer or fintech wallet such as OPay uses a separate menu, *919*6#. Many people try *919*4# first and can't find the recipient's institution in the list.

So the UBA transfer code depends on where the money is going. Paying a friend who banks with UBA? Dial *919*3*AccountNumber*Amount#, for example *919*3*0123456789*5000# to send ₦5,000. Paying someone at GTBank, Zenith or any other commercial bank? Swap the 3 for a 4. UBA then shows the recipient's name. Check it before you enter your PIN, because USSD transfers can't be recalled from the menu.

Dial from the phone number registered on your UBA account. From any other line, *919# will only offer account opening. If a transfer times out after you have entered your PIN, check your balance or alerts before trying again, so you don't send the money twice.

UBA balance code

UBA's official code table doesn't list a separate shortcut for balance. Dial *919# and pick balance from the menu. We don't repeat the balance shortcuts that circulate on other sites, because we couldn't confirm them with UBA.

Using *919# without an ATM card

You can open a UBA account on *919*20# with no card at all. UBA says the account number is sent to your line, and to lift the limits you visit a branch with ID to link it. Until then, deposits are capped (UBA's blog cites ₦200,000) and linking your BVN raises the limit.

Leo: UBA's chat alternative

If USSD keeps timing out, UBA also runs Leo, a chat banking assistant on WhatsApp and Facebook Messenger. It needs data, unlike *919#, but it can do many of the same tasks. UBA also lets you freeze online transactions with *919*9#, which is free.

Frequently asked questions

What is the UBA transfer code?
Dial *919*3*AccountNumber*Amount# for another UBA account, or *919*4*AccountNumber*Amount# for another bank.
What is the UBA transfer code to another bank?
*919*4*AccountNumber*Amount#. For microfinance banks and fintech wallets, use *919*6#.
What is the UBA balance code?
Dial *919# and choose balance from the menu. UBA's code table doesn't list a separate balance shortcut.
Which USSD do I use for UBA bank transfer?
UBA uses *919#. The account number comes before the amount in the transfer string.
What is the daily limit on the UBA transfer code?
UBA's blog puts USSD transfers at up to ₦1 million per day from an existing funded account.
How do I send money from UBA to OPay or another fintech wallet?
Use *919*6# and pick the institution from the menu. *919*4# only covers commercial banks.
Can I use the UBA USSD code without an ATM card?
Yes. You can open an account on *919*20# without a card. A branch visit with ID removes the starter limits.