Unity Bank USSD Code: How to Bank Easily Without Internet in 2025

Unity Bank USSD Code(photo credit africanfinancial.com

Discover the Unity Bank USSD code *7799# to transfer money, buy airtime, check balance, and pay bills instantly without internet access in 2025.

Banking Made Simple with Unity Bank

Imagine needing to send money or buy airtime but you don’t have internet access. With the Unity Bank USSD code, you can perform transactions quickly using just your phone. This service, also known as Unity Bank Magic Banking, ensures you can bank anytime, anywhere, even without data or a smartphone.

In this guide, we’ll explore the official Unity Bank USSD code, how to register, and the different services you can access with it.

What is the Unity Bank USSD Code?

The official Unity Bank USSD code is *7799#. It works on any mobile device (both smartphones and feature phones) and does not require internet access.

This code allows you to:

Transfer money to Unity Bank and other banks.
Buy airtime and data for yourself or others.
Check account balance and mini statement.
Pay bills such as electricity, TV subscriptions, and more.
Open a Unity Bank account instantly.

How to Register for Unity Bank USSD Banking

Before using *7799#, you need to register with your Unity Bank account.

Steps to Register:

Dial *7799# on your registered mobile number.
Enter your Unity Bank account number.
Create a secure 4-digit PIN.
Confirm your PIN to complete the setup.

Once registered, you can access all services linked to the USSD menu.

How to Transfer Money with Unity Bank USSD Code

Transferring money is one of the most popular uses of the Unity Bank USSD code.

Dial *7799*1*Recipient’s Account Number*Amount#
Select the bank of the recipient.
Enter your 4-digit PIN to confirm.

Example: To send ₦2,000 to account number 0123456789 at Access Bank, dial:
*7799*1*0123456789*2000# and follow the prompts.

Buying Airtime and Data with Unity Bank USSD Code

For Self Recharge

Dial *7799*Amount#
Example: To recharge ₦500, dial *7799*500#.

For Others

Dial *7799*Recipient’s Number*Amount#
Example: To recharge ₦200 for 08030000000, dial *7799*08030000000*200#.

This works instantly and helps when you need to recharge loved ones on the go.

Other Useful Unity Bank USSD Services

Check Account Balance: Dial *7799*0#
Pay Bills (DSTV, PHCN, etc.): Dial *7799*2# and follow menu options
Open a New Account: Dial *7799*1#
Block ATM Card: Dial *7799*9#

These features make Unity Bank’s USSD service a complete mobile banking solution.

Benefits of Using Unity Bank *7799# USSD Code

No internet required: Works with all GSM networks in Nigeria.
Fast and convenient: Transactions are processed instantly.
Secure: Protected by a unique 4-digit PIN.
Accessible anywhere: Works on both smartphones and basic phones.

Download the Unity Bank Mobile App for More Features

While USSD is great for quick banking, the Unity Bank Mobile App provides advanced features like card management, account monitoring, and lifestyle payments.

👉 Download from Google Play Store or Apple App Store.

Common Issues and Solutions

USSD Not Working? Ensure you are dialing *7799# from your Unity Bank-registered phone number.
Transaction Failed? Check that you have sufficient balance and strong network coverage.
Forgot PIN? Visit the nearest Unity Bank branch or call Unity Bank Customer Care for PIN reset.

FAQs on Unity Bank USSD Code

Q: Can I use Unity Bank USSD code without a Unity account?
A: No, you need a registered Unity Bank account. However, you can open one instantly with *7799#.

Q: Is there a limit to transactions?
A: Yes. Daily limits apply for airtime, transfers, and bill payments depending on CBN regulations.

Q: Does the service work on all networks?
A: Yes, it works on MTN, Airtel, Glo, and 9mobile.

Take Control of Your Banking Today

The *Unity Bank USSD code (7799#) is your all-in-one solution for fast, secure, and convenient banking without internet. Whether you’re buying airtime, transferring funds, or paying bills, this simple code puts banking at your fingertips.

👉 Dial *7799# today or download the Unity Bank Mobile App to experience seamless banking on the go.