How to Activate UBA Transfer Code

The UBA transfer code is the quickest and most convenient way to send money to anyone — friends, family, or business contacts — right from your phone. But before you can start using it, you need to have a UBA account. Once your account is active, the next step is to activate your UBA transfer code.

This activation is done exclusively through USSD, and the best part is that you don’t need an ATM card to complete it.

UBA (United Bank for Africa) is one of the top commercial banks in Nigeria, and it’s built a reputation for offering smooth, user-friendly financial services. Their mission is simple — make banking easy and accessible for everyone, anywhere, anytime.

In this guide, I’ll walk you through how to activate your UBA transfer code so you can start sending money and handling transactions directly from your phone — even without an internet connection.

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What is the UBA Transfer Code

*919# is UBA’s official USSD code — a simple, short number you dial on your phone to carry out all kinds of banking transactions, no internet needed.

It’s not an app. It’s just a quick USSD code that puts your entire UBA bank account right in your hands. You can:

Send money to anyone (UBA or other banks)
Buy airtime and data
Check your account balance
Pay bills
Open a new account
And more

The UBA transfer code is designed for speed, ease, and security. It is made for everyday users — especially those who want fast banking without the hassle of internet connections or branch visits. Over the years, UBA has upgraded this feature to include more options and better user experience, so you’re always in control.

How Can I Get My UBA Bank Transfer Code In Nigeria

Getting started is super easy. To access the service, just dial *919# on your phone and tap the send/call button. That’s it.

But before you can use this UBA transfer code for transactions, there’s one thing you must do first — activate it.

Activation is like unlocking the door to mobile banking. Once that’s done, you can perform all your money-related tasks straight from your phone, anytime, anywhere. You can even borrow money from UBA bank using the USSD code after your activation.

What are UBA Transfer Code Activation Requirements?

Now, let’s talk setup. Here’s what you need before you can activate and use the UBA transfer code:

#1. An Active UBA Bank Account

This is the foundation. You must already have a UBA account to activate the USSD code. If you don’t have one yet, no worries — you can walk into any UBA branch or open an account online in minutes.

#2. A Registered Phone Number

This has to be the mobile number linked to your UBA account. It’s the number UBA will use to verify and process all your USSD banking activities. No linked number, and no USSD banking.

#3. A Mobile Phone (Any Type)

Good news — you don’t need a smartphone. The UBA transfer code works on any phone model, from basic feature phones to the latest Androids and iPhones. As long as your phone can dial numbers, you’re good to go.

#4. A 4-Digit PIN (For Security)

During the activation, you’ll be asked to create a secret 4-digit PIN. This PIN is what you’ll use to authorize all your transactions — like sending money, buying airtime, and more. Think of it as your mobile banking password. Keep it safe and never share it.

How To Activate your UBA Transfer Code

So now, you can go ahead to activate your UBA USSD transfer code.

The 919# code, also known as UBA’s Magic Banking, is your key to sending money, checking balances, buying airtime, and paying bills — without touching the internet.

Let’s walk through how to activate it in just a few minutes using your phone:

#1. Step 1: Dial the UBA Activation Code

From the phone number linked to your UBA account, dial *919*0#.

This will launch the Magic Banking setup menu on your screen.

#2. Step 2: Select “1” to Begin

You’ll get a welcome message. Enter 1 to proceed with registration.

#3. Step 3: Choose Registration Option

UBA gives you two ways to register:

Main Account (your regular savings/current account)
Prepaid Card Account

For most people, select 1 to use your main UBA account.

#4. Step 4: Enter Your Account Number

Type in your 10-digit UBA account number correctly.

#5. Step 5: Enter the Last 4 Digits of Your UBA Debit Card

Next, you’ll be asked to verify your identity.
Enter the last four digits on your UBA ATM card.

#6. Step 6: Referral ID (Optional)

This part is optional. If you have a referral ID, you can enter it.

If not, just type 1 to skip and move on.

#7. Step 7: Create a 4-digit PIN

Now it’s time to secure your transactions.

Set a 4-digit PIN — this will be your password for authorizing transfers and other USSD actions.

Done! Once you’ve set your PIN, you’re all set to start using 919# for banking anytime, anywhere.

Have You Activated Your UBA Transfer Code Yet?

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How To Activate UBA Mobile Banking Code Without ATM Card

You don’t have an ATM card? That is not a problem. UBA still has your back. You can activate your transfer code without a debit card, as long as your UBA account is set up with Secure Pass (UBA token).

Here’s how:

When you reach the step that asks for the last 4 digits of your ATM card, just select the option to use Secure Pass.
Make sure your Secure Pass is already activated and linked to your UBA account. If you haven’t done this yet, you can get it set up through UBA’s mobile app or by visiting a branch.
After that, you’ll continue the same process — set your PIN, and you’re good to go.

Contact Customer Care If The Activation Is Unsuccessful

So, you’ve tried to activate your UBA *919# transfer code, but it’s not going through?

Relax — you’re not the first person to have this issue. Sometimes, the setup doesn’t go as planned. Maybe your SIM isn’t properly linked to your account, or there’s a network hiccup. In such moments, the smartest move is to reach out to UBA’s Customer Experience Team for quick support.

They’ve helped millions of customers sort out activation issues and get back to banking in minutes. Here’s what UBA Support can help you with:

Activating your USSD code from the backend
Resetting or changing your PIN
Linking your phone number correctly
Guiding you step-by-step until you’re able to use *919# to send money, buy airtime, or pay bills

Use any of the following channels below to contact UBA Customer Care so you can get help fast:

Phone Numbers: +234 700 2255 822 or +234 1 280 8822
Email: cfc@ubagroup.com
Facebook Chat Support: http://m.me/ubachatbanking

You can also learn how to block a UBA account from another phone in case your phone is stolen or lost.

How to Transfer Money from UBA to Other UBA Banks Using USSD Transfer Code?

Once your *919# is up and running, sending money to another UBA user is like flipping a switch — fast and smooth.

Here’s the step-by-step guide to sending money between UBA accounts using the USSD code:

Dial *919# on your phone.
Select option 3 – “Transfer to UBA Account.”
Input your UBA Magic Banking PIN.
Type in the UBA account number of the person you’re sending money to.
Enter the amount you want to transfer.
Choose 1 to confirm the transaction.

Boom. You’ll receive a confirmation message within seconds. No app. No internet. Just magic banking at work.

How can I Transfer Money from UBA to Other Banks Using the USSD Transfer Code?

Do you need to send money to someone using GTBank, Zenith, Access, or any other Nigerian bank? UBA’s 919# code handles interbank transfers with ease.

Here’s how to use it:

Dial *919# on your registered phone.
Select option 4 – “Transfer to Other Banks.”
Enter your UBA PIN to authorize.
Choose the recipient’s bank name from the list.
Input the receiver’s bank account number.
Enter the amount you want to send.
Confirm everything by selecting 1.

In a few seconds, you’ll get a message confirming your transfer was successful.

FAQs

What is the code to activate the UBA transfer service?

Dial *9190# on the phone number linked to your UBA account to begin activation.

Do I need internet access to activate the UBA USSD code?

No, you don’t need internet—just a working phone and your registered number.

Can I activate the UBA transfer code without an ATM card?

Yes, you can activate it using your UBA Secure Pass (Token) instead of an ATM card.

Is there a charge for activating the UBA transfer code?

No, activating the code is completely free, but standard network charges may apply.

How do I create a PIN for my UBA transfer code?

During activation, you’ll be prompted to set a 4-digit PIN to secure your transactions.

Conclusion

Using the UBA transfer code, you can send money fast and stress-free—no internet required. But before you can start making transactions, you need to activate the transfer code on the phone number linked to your UBA account. We have shown you how to do that above.

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References

Bitvalve.com – How to Activate UBA Transfer Code
Legit.ng – UBA transfer codes (USSDs) for money transfers to UBA and other banks
Cablenet.com – How to Activate UBA Transfer Code
Archerjockers.com – UBA Transfer Code, Activate & Register UBA USSD Mobile Banking

How to Activate UBA Transfer Code

Table of Content

What is the UBA Transfer Code

How Can I Get My UBA Bank Transfer Code In Nigeria