Unity Bank Nigeria USSD Codes for Transfers, Airtime, Bills & Account Services

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Last verified: October 2025
Disclaimer: nigeriaussdcodes.com is an independent information platform. We are not affiliated with Unity Bank Plc. Codes may change; we verify updates with official Unity Bank and regulatory sources whenever possible.

Unity Bank Plc is one of Nigeria’s long-standing retail and agribusiness banks. It serves millions of customers nationwide, including farmers, traders, students, and SMEs.
Recognizing that many Nigerians live in areas with limited internet access, the bank launched its USSD service — *7799#, also known as Unity Bank USSD Banking.

This service allows users to:

  • Check balances and view mini-statements.

  • Transfer funds to any bank in Nigeria.

  • Buy airtime and mobile data.

  • Pay bills like electricity, TV, and internet.

  • Open accounts without visiting a branch.

  • Block accounts in case of theft or fraud.

Because *7799# works offline on any GSM phone, it supports both smartphone and feature-phone users across all networks — MTN, Airtel, Glo, and 9mobile.

 

Key Takeaways
  • Main USSD code: *7799# (Unity Bank USSD Banking).
  • Check balance: *7799*0#.
  • Transfer to Unity Bank: *7799*1*AccountNumber*Amount#.
  • Transfer to other banks: *7799*2*AccountNumber*Amount#.
  • Airtime (self): *7799*Amount#.
  • Airtime (others): *7799*PhoneNumber*Amount#.
  • Buy data: *7799# → Data → Network → Plan.
  • Pay bills: *7799# → Bills → Select provider.
  • Open account: *7799*1#.
  • Block account: *7799*911#.

Unity Bank USSD Codes Table

Service Code Details
Activate/Register *7799# Use account + debit card/BVN to set up PIN.
Check Balance *7799*0# View real-time account balance.
Transfer to Unity *7799*1*AccountNumber*Amount# Instant intrabank transfer.
Transfer to Other Banks *7799*2*AccountNumber*Amount# Choose bank → confirm → enter PIN.
Airtime (Self) *7799*Amount# Recharge your own line immediately.
Airtime (Others) *7799*PhoneNumber*Amount# Top up family/friends.
Buy Data *7799# → Data Pick network and bundle.
Pay Bills *7799# → Bills Pay PHCN, TV, internet, education.
Open Account *7799*1# Create new Unity Bank account instantly.
Block Account *7799*911# Freeze account for security.

How to Register for Unity Bank USSD Banking

  1. Dial *7799# on the phone number linked to your account.

  2. Select “Register.”

  3. Enter your 10-digit Unity Bank account number.

  4. Input the last six digits of your ATM card or provide your BVN.

  5. Create a secure 4-digit PIN.

  6. Confirm the PIN.

Once registered, you can start using all menu options instantly.

Note: Only the SIM linked to your bank account will work for USSD transactions.

Checking Your Balance

  • Dial *7799*0#.

  • Enter your PIN.

  • Your available balance appears on the screen and via SMS.

Common uses:

  • Confirming salary or allowance payments.

  • Verifying transfers before purchases.

  • Tracking POS or ATM withdrawals.

If you receive a “connection problem” message, wait a few minutes and try again — often it’s temporary network congestion.

Transferring Money with *7799#

To Unity Bank Accounts

  • Dial *7799*1*AccountNumber*Amount#.

  • Example: *7799*1*0023456789*2000#.

  • Confirm name → Enter PIN.

To Other Banks

  • Dial *7799*2*AccountNumber*Amount#.

  • Choose bank from list → Confirm → Enter PIN.

Limits: ₦100,000 per transaction and ₦500,000 daily (for basic accounts).
Higher limits are available after KYC upgrade at any branch.

If a transfer fails but you see a debit alert, the system automatically reverses it within 24 hours.

Buying Airtime and Data

Airtime (Self)

  • Dial *7799*Amount#.

  • Example: *7799*1000#.

Airtime (Others)

  • Dial *7799*PhoneNumber*Amount#.

  • Example: *7799*08031234567*500#.

Buy Data

  • Dial *7799# → Select Data.

  • Choose network and plan → Confirm with PIN.

Airtime and data transactions are instant; you get a confirmation SMS within seconds.

Paying Bills and Subscriptions

The Unity Bank USSD menu supports:

  • TV Bills: DSTV, GOtv, Startimes.

  • Electricity: IKEDC, AEDC, EEDC, PHED.

  • Internet: Spectranet, Smile.

  • Education: WAEC, JAMB, school payments.

How to pay:

  1. Dial *7799#.

  2. Select Bills.

  3. Choose provider.

  4. Enter meter or customer ID.

  5. Confirm amount → Enter PIN.

Payments are processed instantly and confirmed by SMS.

Opening a New Unity Bank Account

  1. Dial *7799*1#.

  2. Provide basic details (name, DOB, address).

  3. Receive a new account number immediately.

  4. Deposit funds or visit a branch later for KYC upgrade.

This feature enables unbanked Nigerians to open accounts easily without internet or paper forms.

Blocking Your Account (Emergency Action)

If your phone or SIM is stolen:

  1. Dial *7799*911#.

  2. Select the account to block.

  3. Confirm PIN → Account blocked instantly.

Only the owner can reactivate the account by visiting a branch with valid ID.

Security Practices

  • Keep your PIN private.

  • Change PIN regularly.

  • Avoid easy PINs like 1234 or birth years.

  • Use only the registered SIM for transactions.

  • Never share confirmation SMS with anyone.

All USSD transactions are encrypted to meet CBN and NIBSS security standards.

Troubleshooting Common Errors

Error Reason Solution
Invalid MMI Code Dialed from wrong SIM Use the registered SIM.
Session Timed Out Menu delay or weak signal Retry quickly or in off-peak hours.
Failed Transfer Network or incorrect details Confirm account number and retry.
Airtime Not Delivered Telco delay Wait 10–15 minutes and check again.
PIN Blocked Too many wrong entries Reset via menu or visit branch.
Bill Error Incorrect meter ID Double-check before payment.

FAQs

Q1: What is Unity Bank’s main USSD code? → *7799#
Q2: Can I use it without internet? → Yes, works offline.
Q3: How do I check balance? → *7799*0#
Q4: Can I transfer to other banks? → Yes, *7799*2*AccountNumber*Amount#.
Q5: What are the charges? → ₦6.98 per session + standard fees.
Q6: What is the daily limit? → ₦500,000 per day.
Q7: Can I buy data on all networks? → Yes, MTN, Airtel, Glo, 9mobile.
Q8: How do I block my account if stolen? → *7799*911#.
Q9: Is USSD banking safe? → Yes, PIN protected.
Q10: Can I open a new account? → Yes, *7799*1#.
Q11: Does it work on dual-SIM phones? → Yes, select the linked SIM.
Q12: What if a transfer fails? → Funds auto-reversed within 24 hours.
Q13: Can I use the code abroad? → Yes, if roaming is active.
Q14: What if I forget my PIN? → Reset through menu or branch.
Q15: Can I pay TV and PHCN bills? → Yes, through Bills menu.

Use Cases

  • A teacher in Oyo checks salary instantly without visiting a branch.

  • A trader in Kano pays electricity bills through *7799# after closing shop.

  • A student in Benin buys data before an online exam.

  • An artisan in Abuja transfers earnings to savings daily for discipline.

Such simple use cases illustrate why USSD remains critical for financial inclusion in Nigeria.

Supporting Financial Inclusion and the Cashless Economy

Unity Bank’s USSD platform helps bridge the gap between urban digital banking and rural cash transactions. With over 40 million Nigerians still outside the formal financial system, *7799# provides a simple bridge — letting people save, pay, and transfer securely without smartphones or internet.

This supports the Central Bank’s cashless policy and reduces risks associated with carrying cash.

Conclusion

Unity Bank’s *7799# service is a fast, reliable, and secure way to bank without the internet. It enables millions of Nigerians to transfer money, buy airtime, pay bills, and open accounts with ease.

By making banking accessible on any phone, Unity Bank empowers people in rural and urban communities to join the cashless economy safely.

Customer Support:

  • Unity Direct Line: 07080666000 or 07057323225

  • Website: unitybankng.com

  • General CBN Help Line: *300#

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