Last Updated: November 2025
Disclaimer: nigeriaussdcodes.com is an independent information site. Unity Bank Plc is a separate entity. All USSD codes and procedures in this article are verified from Unity Bank’s official documentation and other reliable sources.
Why the *7799# Code Matters
For many Nigerians having an account with Unity Bank but limited or no internet access, the USSD code *7799# opens up a wide range of banking services directly from any mobile phone. This means you can transfer money, check your balance, buy airtime, pay bills, block your account — all without a smartphone or data connection.
In 2025, with financial inclusion and mobile banking still growing, knowing how to use your bank’s USSD code fast and securely is a big advantage. This guide covers everything you need to know about Unity Bank’s USSD — how to activate it, how to make transfers, self-service tips, error fixes, and security best practices.
Unity Bank USSD Code at a Glance
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Main Short-Code:
*7799# -
Works across all mobile networks (MTN, GLO, Airtel, 9mobile) on any phone.
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Key functions include: balance check, transfers (within Unity Bank and to other banks), airtime purchases (self & others), bills payment, BVN verification, account blocking, cardless withdrawal.
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Security feature: Unity Bank offers a special code
*7799*9*PhoneNumber#to block your account in case of fraud.
How to Register & Activate the Unity Bank USSD Service
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Ensure your mobile number is linked to your Unity Bank account (the number you used when opening your account).
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From that mobile number, dial
*7799#. -
Follow the on-screen prompts — you may be asked to:
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Create or enter your 4-digit USSD PIN
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Link your account number if you have multiple Unity Bank accounts
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Accept terms and conditions
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Once completed, you’ll receive a confirmation SMS saying your USSD banking is activated and ready to use.
Note: If you try the code from a number not linked to your account, you may see “Registration required” or “Number not linked”.
How to Use Unity Bank USSD Code — Key Functions & Examples
Here are common service commands and how you use them:
| Service | USSD Command Format | Example |
|---|---|---|
| Check balance | *7799*0# |
Dial → choose account → enter PIN → get balance pop-up. |
| Transfer to Unity Bank account | *7799*1*AccountNumber*Amount# |
e.g., *7799*1*1234567890*5000# → enter PIN → confirm. |
| Transfer to other bank accounts | *7799*2*AccountNumber*Amount# |
e.g., *7799*2*0987654321*2500# → select bank → PIN → done. |
| Self airtime recharge | *7799*Amount# |
e.g., *7799*1000# → PIN → airtime credited. |
| Airtime for others / third-party | Format varies e.g., *7799*PhoneNumber*Amount# (check latest). |
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| Cardless ATM withdrawal | *7799*8*Amount# → generate token, then use at ATM. |
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| Block account (fraud safeguard) | *7799*9*PhoneNumber# to block your account. |
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| BVN verification / update | *7799*5# for BVN check. |
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| Bills payment (DSTV, GOTV, etc.) | e.g., *7799*32*SmartCardNumber*1# for DSTV Access. |
Self-Service Tips to Maximize Your USSD Experience
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Keep your phone’s airtime above ₦10 to avoid “Insufficient balance” when USSD session begins.
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Always enter your USSD PIN carefully — three wrong attempts may lock the service.
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Verify account numbers before transfers — a wrong digit may send funds to the wrong person.
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Use direct command format when you know the service (e.g., for transfers) to skip menus and reduce time.
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If you have more than one Unity Bank account, you can link them under one USSD profile — check “Add account” option when you dial *7799#.
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Check your SMS inbox for confirmation messages after every transaction to have a record.
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If your phone uses more than one SIM, ensure you dial from the number linked to your Unity Bank account.
Common Errors & How to Fix Them
| Error Message | Cause | Fix |
|---|---|---|
| “Registration required” | Phone number not linked to Unity Bank account | Visit branch or call customer care to link the number |
| “Invalid PIN” | Wrong USSD PIN entered | Reset PIN via branch or customer care |
| “Insufficient Funds / Balance” | Airtime or account balance too low | Recharge phone airtime and/or ensure account has funds |
| “Transfer failed” | Network glitch or wrong bank code | Wait a few minutes and retry; check account and bank code |
| “Service temporarily unavailable” | Bank’s backend or USSD gateway issue | Try again later or visit branch |
| “Account blocked” after multiple wrong PINs | Security lock triggered | Visit branch or call customer care to unblock |
Security & Fraud Protection for Unity Bank USSD
Unity Bank has built several safety features into *7799# menu:
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Multi-language USSD support (Igbo, Hausa, Yoruba) to make it accessible.
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Anti-fraud code (
*7799*9*PhoneNumber#) lets you block your account from any phone if you suspect unauthorized access.
Personal Security Tips:
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Never share your USSD PIN or OTP with any caller — genuine banks will never ask.
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Avoid using shared phones for USSD transactions.
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After a sensitive transaction, log out and close the session quickly.
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Ensure you use the code only from the mobile number registered with Unity Bank.
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Monitor your SMS alerts — any transaction you didn’t initiate should raise alarm.
Why Choose USSD Banking with Unity Bank?
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Works on any mobile phone (basic or smartphone).
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No internet data needed; works even with weak networks.
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24/7 access — weekend or holiday, you can still transact.
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Wide range of services beyond transfers: cardless withdrawal, bills, airtime, account blocking.
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Ideal for users in rural or low-connectivity areas.
Frequently Asked Questions (FAQs)
What is the Unity Bank USSD code?
Dial *7799# from the mobile number linked to your Unity Bank account.
Can I transfer money to other banks via *7799#?
Yes — use the command *7799*2*AccountNumber*Amount# for transfers to other bank accounts.
How do I check my account balance using USSD?
Dial *7799*0#, then enter your PIN to view your balance.
Is there a way to block my account quickly if I suspect fraud?
Yes — you can block your account using *7799*9*PhoneNumber#.
Can I use the USSD code to open a Unity Bank account?
Yes — Unity Bank’s USSD supports account opening. When you dial *7799#, select the “Open Account” option.
Conclusion
The *7799# USSD service from Unity Bank is a powerful tool for managing your money anytime, anywhere — without needing WiFi or mobile data. Whether you’re sending money, checking your balance, buying airtime, or blocking your account in an emergency — it’s all accessible via one short code.
Make sure you register properly, keep your PIN safe, stay aware of the commands, and use the code only from your registered number. With these practices, you’ll harness the full convenience of Unity Bank’s USSD service while keeping your finances secure.