Unity Bank USSD Code for 2026/2027

Unity Bank USSD Code for 2026/2027

The official Unity Bank USSD code is *7799#, allowing customers to perform banking transactions like transfers, airtime recharge, and balance enquiries on any phone. Key services include transferring funds, checking balances, buying airtime, paying bills, and BVN verification, which can be accessed from any mobile phone.

Banking services in Nigeria have evolved significantly over the past decade. Today, millions of customers no longer need to visit physical bank branches to perform everyday transactions. One of the technologies that has transformed banking convenience is USSD banking.

The Unstructured Supplementary Service Data system allows bank customers to access banking services directly from their mobile phones without requiring internet connectivity. This innovation has made banking easier, especially for people living in rural areas or those using basic mobile phones.

Among Nigerian financial institutions that offer USSD banking services is Unity Bank Plc. The Unity Bank USSD code provides customers with a quick and secure method of performing banking transactions anytime and anywhere.

Through the Unity Bank USSD service, customers can transfer money, check account balances, purchase airtime, pay bills, and carry out many other banking operations using a simple short code on their mobile phones.

This comprehensive guide explains everything Nigerian customers need to know about the Unity Bank USSD code for 2026/2027, including how it works, how to activate it, available services, transaction limits, security tips, and common issues users may encounter.

Understanding USSD Banking in Nigeria

USSD banking has become a crucial part of financial services in Nigeria. It allows bank customers to perform transactions using short numeric codes dialed on their mobile phones.

Unity Bank USSD Code for 2026/2027: What Is USSD Banking?

USSD stands for Unstructured Supplementary Service Data. It is a communication technology used by mobile network operators to provide interactive services between mobile users and service providers.

When a customer dials a USSD code on their phone, a session is initiated between the mobile network and the bank’s server. The system then displays a menu of options that the customer can select to complete various banking transactions.

Because USSD operates through mobile network signals rather than internet connections, it works on both smartphones and basic feature phones.

Why USSD Banking Is Popular in Nigeria

USSD banking has gained widespread popularity across Nigeria due to several factors.

No Internet Required

One of the biggest advantages of USSD banking is that it does not require internet connectivity. Customers can perform transactions even in areas with limited or no internet service.

Works on All Mobile Phones

USSD codes function on any mobile phone, including basic phones without internet capabilities.

Fast and Convenient

Transactions performed through USSD are usually completed within a few seconds. This speed makes it an ideal solution for quick banking services.

Accessible Across Rural Areas

Many Nigerians living in rural communities rely heavily on USSD banking because physical bank branches may be far from their locations.

Overview of Unity Bank USSD Code

Customers of Unity Bank Plc can access various banking services using a simple USSD code.

Official Unity Bank USSD Code

The official USSD code used by Unity Bank customers is:

*7799#

• 1. Registration/Main Menu: *7799#
  2. Transfer to Unity Bank: *7799*1*AccountNo*Amount#
  3. Transfer to Other Banks: *7799*2*AccountNo*Amount#
  4. Self Airtime Recharge:
     *7799*Amount#

This code allows customers to access multiple banking services directly from their mobile phones.

Unity Bank’s USSD Short Code Strings

*7799*403*Bet9ja ID*amount# – Bet9ja Wallet funding

*7799*Amount# – Self recharge

*7799*Phoneno*amount# – Third party recharge

*7799*1*accountno*amount# – Transfer to Unitybank

*7799*2*accountno*amount# – Transfer to Other banks

*7799*0# – Balance enquiry

*7799*5# – BVN verification

*7799*9*phone number# – Block account

*7799*000*RefID# – USSD on POS

*7799*8*Amount# – Cardless withdrawal

Short Code Strings for DSTV Subscription

*7799*32*Smart card no*1# – Access (2000)

*7799*32*Smart card no*2# – Compact (6800)

*7799*32*Smat card no*3# – Compact Plus (10650)

*7799*32*Smart card no*4# – Family (4000)

*7799*32*Smart card no*5# – Premium (15800)

Short Code Strings for GoTv Subscription

*7799*33* Smart card no*1# – Gotv Lite (400)

*7799*33* Smart card no*2# – Gotv Max (3200)

*7799*33* Smart card no*3# – Gotv Plus (1900)

*7799*33* Smart card no*4# – Gotv Value (1250)

Short Code Strings for Eko Electricity Distribution Prepaid

*7799*4*meter no*amount#

Short Code Strings for Ikeja Electricity Prepaid

*7799*5*meter no*amount#

Requirements for Using the Unity Bank USSD Code

Before using the USSD banking service provided by Unity Bank Plc, customers must meet certain requirements.

Active Unity Bank Account

Customers must have a valid and active bank account with Unity Bank.

Registered Mobile Phone Number

The phone number used to dial the USSD code must be linked to the customer’s bank account.

Mobile Network Access

USSD services require mobile network connectivity. Customers must ensure their mobile phones have network coverage.

USSD Banking PIN

Customers must create a secure USSD PIN during the activation process. This PIN is required to authorize transactions.

How to Activate Unity Bank USSD Code

Activating the Unity Bank USSD banking service is simple and can be done directly from a mobile phone.

Step-by-Step Activation Process

To activate the service, customers should follow these steps carefully.

Step One: Dial the USSD Code

Dial *7799# on the mobile phone number linked to your Unity Bank account.

Step Two: Select the Registration Option

After dialing the code, a menu will appear with several options. Select the option for registration or activation.

Unity Bank USSD Code for 2026/2027

Step Three: Enter Account Details

Customers may be required to enter certain details such as their account number or debit card information.

Step Four: Create a USSD PIN

During registration, customers must create a secure four-digit or five-digit PIN.

Step Five: Confirm the Registration

Once the PIN is successfully created, the USSD banking service becomes active.

After activation, customers can begin using the Unity Bank USSD code for transactions.

Services Available Through Unity Bank USSD Code

The USSD banking system offered by Unity Bank Plc allows customers to perform many different banking operations.

Checking Account Balance

Customers can check their account balance instantly using the USSD service.

Steps to Check Balance

1. Dial *7799#

2. Select the balance inquiry option

3. Enter your USSD PIN

The system will display the current balance of the account.

Money Transfer

Unity Bank customers can transfer money to other bank accounts using the USSD code.

Types of Transfers

Transfer to Unity Bank Accounts

Customers can send money to other Unity Bank customers quickly through the USSD system.

Transfer to Other Nigerian Banks

The USSD code also supports interbank transfers to accounts in other Nigerian financial institutions.

Airtime Purchase

Customers can easily purchase airtime for themselves or for others using the USSD code.

Airtime for Self

To buy airtime for your phone number:

1. Dial *7799#

2. Select airtime purchase

3. Enter the amount

4. Confirm using your PIN

Airtime for Others

Customers can also purchase airtime for friends and family members by entering their phone numbers.

Bill Payments

The USSD platform allows customers to pay various utility bills directly from their bank accounts.

Examples of bills that can be paid include:

Electricity bills
Cable television subscriptions
Internet service payments

Mini Statement Requests

Customers can request mini account statements through the USSD system.

This feature provides a list of recent transactions made from the account.

Transaction Limits for Unity Bank USSD Banking

Like most digital banking platforms, Unity Bank USSD transactions are subject to certain limits.

Daily Transfer Limits

The daily transfer limit through USSD is usually determined by the bank’s security policies.

Customers may be able to transfer moderate amounts per day using the USSD service.

Airtime Purchase Limits

There are also limits on how much airtime customers can purchase through the USSD platform in a single day.

These limits help prevent fraudulent transactions and unauthorized access.

Security Tips for Using Unity Bank USSD Code

Security is extremely important when using mobile banking services.

Protect Your USSD PIN

Customers should never share their USSD PIN with anyone.

The PIN acts as a password that authorizes transactions from the account.

Avoid Using Public Phones

It is advisable to perform USSD transactions only on personal mobile phones.

Using public phones increases the risk of exposing sensitive banking information.

Immediately Report Suspicious Activity

If a customer notices any unauthorized transaction, they should immediately contact Unity Bank Plc customer service.