Unity Bank ussd Codes: Access Banking Services Easily

A Comprehensive Guide to Unity Bank USSD Codes

Unity Bank is one of the leading retail banks in Nigeria, serving over 1.2 million customers across the country. The bank offers a wide range of financial services including savings accounts, current accounts, loans, credit cards and more. One of the most convenient ways to access Unity Bank’s services is through Unstructured Supplementary Service Data (USSD) codes.

USSD codes allow customers to use their mobile phones to conveniently access banking services without having to use mobile data or download any apps. All you need is your mobile phone number registered with the bank. Dialing the USSD code opens up an interactive menu where you can select different options and complete transactions by following the prompts.

In this comprehensive guide, we will explore the various USSD codes offered by Unity Bank and how to use them to access different services.

Unity Bank ussd Codes


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Overview of Unity Bank USSD Codes

The main USSD code for Unity Bank is 7799#. When you dial this code on your mobile phone, it brings up the following menu:

  1. Account Balance Inquiry
  2. Mini Statement
  3. Airtime Top Up
  4. Funds Transfer
  5. Bill Payments
  6. Cheque Services
  7. Financial Services
  8. Account Services
  9. Self Service

Selecting any of these options will take you to a sub-menu with further options. The various services can be directly accessed using specific USSD codes as well. Let’s look at the key codes category-wise:

General Banking Services

  • *7799#: Main menu for accessing Unity Bank services
  • 77991#: Check account balance
  • 779921#: Get mini account statement
  • 77994#: Change your PIN
  • 779961#: Block your card

Funds Transfer

  • 77991Account NumberAmount#: Transfer to Unity Bank account
  • 77992Account NumberAmount#: Transfer to other banks

Airtime Recharge

  • 7799Amount#: Self airtime recharge
  • 7799Mobile Number*Amount#: Recharge for others

Bill Payments

Some common bill payment codes are:

  • 779932SmartCardNumber1#: DStv subscription
  • 779933SmartCardNumber1#: GOtv subscription
  • 77994MeterNumberAmount#: Eko Electricity
  • 77995MeterNumberAmount#: Ikeja Electricity
  • 779981BillersCodeNumber*Amount#: Buy prepaid electricity units

Bet9ja Funding

  • 7799403Bet9jaIDAmount#: Fund your Bet9ja wallet

This covers some of the commonly used USSD codes from Unity Bank. There are additional codes available for services like cheque requests, account opening, loan applications and more. The full list of codes can be found on Unity Bank’s website.

Step-by-Step Guide to Using Unity Bank USSD Codes

Using the USSD codes is quite straightforward. Here is a step-by-step overview:

  1. On your mobile phone, open up the dial pad.
  2. Dial the USSD code specific to the service you want to access (e.g. 77991# for balance inquiry).
  3. Follow the interactive menu and input the information requested (account number, amount etc.).
  4. After entering the requested information, click OK or Send.
  5. You will receive a message confirming if your transaction was completed successfully.
  6. Select option 9 on the menu to return to the main menu.

Let’s look at two common scenarios:

Scenario 1: Check Account Balance

To check your Unity Bank account balance using USSD:

  1. Dial 77991#
  2. Your 10 digit account number
  3. Click OK/Send
  4. You will receive an SMS with your current account balance.

Scenario 2: Airtime Recharge

To recharge your mobile airtime or someone else’s airtime:

  1. Dial 7799
  2. Enter the airtime amount (e.g. 200 for N200 airtime).
  3. For self-recharge, click OK/Send after entering amount. For recharge for others, enter the 10-digit mobile number after amount before sending.
  4. Confirmation message will be received after recharge is successful.

USSD Tips & Tricks

Here are some useful tips to get the best experience while using Unity Bank USSD codes:

  • Know your account number and keep it handy to avoid mistakes.
  • Make sure you have enough account balance for transactions like funds transfer or bill payment to avoid failed transactions.
  • Generate a PIN for your account if you don’t already have one. This allows you to access services quickly without needing OTP.
  • If you enter the wrong details during a transaction, press * to cancel and return to the main menu.
  • If a transaction fails, try again in case of a temporary error before contacting customer care.
  • If you get timed out while a transaction is processing, go back and check if it was completed successfully before repeating.
  • For bulk transactions, use the USSD codes instead of the mobile app for faster processing.
  • You can bookmark or save frequently used codes to speed up access.

Troubleshooting Common USSD Issues

When using USSD codes, you may occasionally encounter some issues like:

Problem: Transaction keeps failing.

Solution: Check your account balance to ensure sufficient funds. Double check beneficiary details entered. Retry after some time in case of network issues.

Problem: Not receiving OTP for transactions.

Solution: Ensure your phone number is correctly linked to your Unity Bank account. Check your mobile reception. Reboot device and try again.

Problem: Getting message “Incorrect response” or “Invalid details”

Solution: Confirm details entered are correct. Restart transaction and re-enter information carefully.

Problem: USSD menu not responding

Solution: Check your mobile reception strength. Move to location with better reception. Reboot device and try again.

Problem: Keep getting timed out during transaction

Solution: Mobile network congestion could be slowing responses down. Quickly enter details when prompted. Retry transaction during less congested periods.

If issues persist, contact Unity Bank customer care for further assistance.

Benefits of Unity Bank USSD Banking

USSD banking offers Unity Bank customers the following advantages:

  • Convenience – Access banking on-the-go without apps or Internet
  • Ease of use – User-friendly menu system; completes transactions by following prompts
  • Speed – Gets banking done quickly without having to visit branches
  • Security – Secure PIN and OTP authentication keeps transactions protected
  • 24/7 availability – Most USSD services can be accessed at any time
  • No data required – Uses only basic GSM network; doesn’t need mobile data
  • Cost-effective – No data charges; transactions are free on USSD
  • Universally accessible – Works on all mobile phones, even basic feature phones

For these reasons, USSD continues to be a widely used channel for accessing banking services. Unity Bank’s extensive range of USSD codes power key financial transactions, provide account information, allow payments and more – all conveniently on your fingertips.


Unity Bank’s USSD banking *7799# provides customers with an easy way to access financial services through their mobile phone, without needing internet or a smartphone. The wide range of options available on the interactive menu powered by USSD codes allows customers to check balance, transfer funds, pay bills, buy airtime and much more.

By memorizing your account number and setting a PIN, you can avoid the hassle of generating OTPs for every transaction. This improves speed and convenience. The codes can be customized and saved for frequently used options. Despite rise of sophisticated mobile apps, USSD continues to have key advantages that keeps it relevant.

Overall, Unity Bank offers one of the most comprehensive USSD banking services in Nigeria. Whether you are tech-savvy or just like basic phones, USSD codes provide reliable anytime, anywhere access to your finances. So dial away and bank on the go!

Frequently Asked Questions

1. Do I need to register before using Unity Bank USSD codes?

No, you don’t need to register. Just dial the codes directly from your phone registered with your Unity Bank account. However, set up a PIN to avoid entering OTP every time.

2. What happens if I enter the wrong details during a transaction?

Press * key to cancel the transaction and you will be returned to the main menu. Re-initiate the transaction and enter correct details.

3. Can I use USSD codes on any phone?

Yes, USSD codes work on all kinds of phones – smart or feature phones. An active SIM registered with your Unity account is all you need.

4. How can I retrieve my PIN if I forget it?

You can retrieve your forgotten PIN by calling the Unity Bank customer care line or visiting your home branch. You will need to answer some security questions to verify your identity.

5. Is there any limit on the amount I can transfer via USSD?

Yes, there are transaction limits when transferring via USSD. The default daily transfer limit is N200,000. This can be increased by contacting your branch.

6. How can I block my ATM card using USSD?

To block your Unity Bank debit/ATM card, dial 779961*Last 4 digits of card#. You will receive a confirmation message once your card is blocked.

7. What are the charges for USSD transactions?

Unity Bank does not charge anything for transactions done through USSD. However, your mobile network provider may charge per session.

8. How do I change my phone number linked to my account?

To change your registered mobile number, you need to visit your home branch and fill a form. Alternately, you can call customer care and they will guide you through the process.

9. What should I do if I’m unable to complete a transaction due to network issues?

If you are timed out or unable to complete a USSD transaction due to network problems, wait for some time and retry. If issue persists, use options like ATM, mobile app or branch to complete your transaction.

10. Can I pay for goods/services via QR code using USSD?

No, QR code payments require using the Unity mobile app. USSD can only be used for the options available on the menu.

11. How secure are transactions done via USSD codes?

USSD banking is highly secure thanks to the built-in PIN/OTP authentication system. Financial data is encrypted during transmission. Follow the precautions as you would for other channels.

12. Whom should I contact if I’m having issues with USSD transactions?

You can call the Unity Bank customer care toll free line on 0703 000 0011 or 0708 030 0000 for assistance with any USSD issues. You can also visit your home branch.


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