Unity Bank USSD Codes in Nigeria (2026)
Unity Bank’s USSD banking service allows customers to perform banking transactions directly from their mobile phones without internet access. Whether you want to transfer money, buy airtime, check your account balance, pay bills, verify your BVN, or block your account, you can do it easily using Unity Bank’s USSD code.
The official Unity Bank USSD code is:
*7799#
Known as 7799 Convenient Banking, the service works on MTN, Airtel, Glo, and 9mobile. It is available on both smartphones and basic mobile phones.
What Is Unity Bank USSD Banking?
Unity Bank USSD Banking is a mobile banking platform that enables customers to access banking services using short codes.
With the service, customers can:
- Transfer money
- Check account balances
- Buy airtime
- Pay bills
- Verify BVN
- Perform cardless withdrawals
- Block accounts
- Access banking services anytime
The platform operates 24 hours a day and can be used from virtually anywhere in Nigeria.
Main Unity Bank USSD Code
The primary Unity Bank USSD code is:
*7799#
Dialing this code opens the main banking menu where customers can access available services.
Complete List of Unity Bank USSD Codes (2026)
| Service | USSD Code |
|---|---|
| Main Banking Menu | *7799# |
| Check Account Balance | 77990# |
| Transfer to Unity Bank | 77991AccountNumberAmount# |
| Transfer to Other Banks | 77992AccountNumberAmount# |
| Airtime for Self | 7799Amount# |
| Airtime for Others | 7799PhoneNumber*Amount# |
| BVN Verification | 77995# |
| Cardless Withdrawal | 77998*Amount# |
| Block Account | 77999*PhoneNumber# |
| USSD on POS | 7799000*RefID# |
These are the most commonly used Unity Bank USSD codes available to customers.
How to Register for Unity Bank USSD Banking
Before using the service, you need to activate it.
Step 1
Dial:
*7799#
Step 2
Select the registration option.
Step 3
Verify your account details.
Step 4
Create a secure transaction PIN.
Step 5
Confirm your PIN.
After successful activation, you can begin using Unity Bank USSD banking services.
How to Check Your Unity Bank Account Balance
To check your account balance:
Dial:
*7799*0#
Enter your transaction PIN when prompted.
Your available account balance will appear on your screen instantly.
How to Transfer Money to Another Unity Bank Account
To transfer money within Unity Bank:
Dial:
*77991AccountNumber*Amount#
For example:
*779911234567890*5000#
Confirm the recipient details and enter your PIN to complete the transaction.
How to Transfer Money to Other Banks
To send money to another Nigerian bank:
Dial:
*77992AccountNumber*Amount#
For example:
*779921234567890*5000#
Follow the prompts to confirm and authorize the transaction.
How to Buy Airtime for Yourself
To recharge your own phone:
Dial:
*7799*Amount#
For example:
*7799*1000#
The airtime will be credited instantly to your phone number.
How to Buy Airtime for Another Person
To send airtime to friends or family:
Dial:
*7799PhoneNumberAmount#
For example:
*779908031234567500#
The airtime will be delivered immediately to the recipient.
How to Verify Your BVN
To check your BVN details:
Dial:
*7799*5#
Follow the instructions displayed on your phone.
How to Perform Cardless Withdrawal
Unity Bank customers can withdraw cash without using an ATM card.
Dial:
*77998Amount#
For example:
*7799810000#
Follow the prompts to generate a withdrawal code that can be used at supported ATMs.
How to Block Your Unity Bank Account
If your phone is stolen or you suspect fraud, you can block your account immediately.
Dial:
*77999PhoneNumber#
For example:
*7799908031234567#
This security feature helps prevent unauthorized transactions.
How to Pay Bills Using Unity Bank USSD
Unity Bank customers can pay various bills through the USSD platform.
Dial:
*7799#
Then select the bill payment option.
Supported payments typically include:
- Electricity bills
- DSTV subscriptions
- GOtv subscriptions
- Utility bills
- Other merchant payments
Follow the prompts to complete payment.
Benefits of Unity Bank USSD Banking
There are several reasons why customers use Unity Bank USSD banking.
No Internet Required
Transactions can be completed without mobile data.
Available 24/7
The service works every day, including weekends and public holidays.
Works on All Phones
The platform supports smartphones and feature phones.
Fast Transactions
Most transactions take only a few seconds.
Secure Banking
Transactions are protected with a PIN and security verification.
Convenient Access
Customers can bank from virtually anywhere.
Common Problems and Solutions
Incorrect PIN
Repeatedly entering the wrong PIN may temporarily restrict access.
Solution: Contact Unity Bank customer support.
Insufficient Funds
Transactions may fail if your balance is too low.
Solution: Fund your account before trying again.
Poor Network Signal
Weak network coverage may interrupt USSD sessions.
Solution: Move to an area with stronger network coverage.
Session Timeout
USSD sessions expire after a short period of inactivity.
Solution: Dial the code again and complete the transaction quickly.
Unregistered Phone Number
The service works best on the number linked to your Unity Bank account.
Solution: Update your details with the bank if necessary.
Frequently Asked Questions (FAQs)
What is the Unity Bank USSD code?
The official Unity Bank USSD code is *7799#.
How do I check my Unity Bank account balance?
Dial *7799*0# and follow the prompts.
How do I transfer money using Unity Bank USSD?
Dial *77991AccountNumber*Amount# for Unity Bank transfers or *77992AccountNumber*Amount# for other banks.
How do I buy airtime from my Unity Bank account?
Dial *7799*Amount#.
How do I buy airtime for another person?
Dial *7799PhoneNumberAmount#.
How do I verify my BVN?
Dial *7799*5#.
How do I perform a cardless withdrawal?
Dial *77998Amount# and follow the instructions.
How do I block my Unity Bank account?
Dial *77999PhoneNumber#.
Does Unity Bank USSD banking require internet access?
No. The service works without internet connectivity.
Can I use Unity Bank USSD on MTN, Airtel, Glo, and 9mobile?
Yes. The service works across all major Nigerian mobile networks.
Conclusion
Unity Bank’s *7799# USSD banking platform provides customers with a fast, secure, and convenient way to access banking services in Nigeria. Through the service, customers can transfer money, buy airtime, check account balances, verify BVN details, perform cardless withdrawals, pay bills, and secure their accounts without internet access. Available 24/7 and compatible with all major mobile networks, Unity Bank USSD banking remains one of the easiest ways to manage your finances in 2026.
