UBA Magic Banking *919#: A Step By Step Guide

The UBA *919# Magic Banking is an innovative service that allows you to carry out all your mobile banking services like Account Opening, Fund Transfer, Balance Check, Airtime Recharge, and a whole of other interesting services, without the need to physically visit the banking hall.

United Bank of Africa

The United Bank for Africa Plc (UBA) is a pan-African financial service that has its group headquarters in Nigeria. This bank was established in Nigeria in February 1961 to overtake the business of BFB; the British and French Bank Limited.

BFB resumed business in Nigeria in 1938 owing to the British colonial rule in Nigeria. Although the game plan changed after Nigeria earned its independence from colonial rule.

UBA got to eventually list its shares on the Nigerian Stock Exchange which is short formed NSE. So far, UBA has subsidiaries in 20 African countries and offices in London, Paris, and New York.

Furthermore, UBA is listed as a commercial bank by the Central Bank of Nigeria. It has also proven to be a reliable company to bank with, having over one million new customers per year.

To make banking easier, UBA has put some measures in place for its customers. One of these measures is the introduction of “magic banking” to the system.
This is simply the use of a USSD code to perform almost all basic bank operations related to its customer’s account. With these codes, banking transactions can be carried at the comfort of one’s home.

All that is required of you is a mobile phone. Mind you, you don’t necessarily need your internet connection to be active, because you will not be needing that. Since the exercise is more like sending a message. without the use of the internet.

Hence, this post was designed to expose you to all the things you can do with the magic code of *919#. As I earlier said, you can perform all your banking transactions conveniently, anytime, anywhere.

How to open a UBA Account With USSD Code *919#

If you want to open a new UBA account, without going through the stress of queueing up in the Bank, simply pick up your phone and dial *919#, then follow the easy steps that follow.

After this, your account number will be sent to your mobile line. It is that easy! However, to enjoy the full benefits of your new account, you must visit any UBA business office nearest to you with your means of identification so that your BVN can be linked to the account.

So what are you waiting for? Pick up your phone now and dial *919# to open your account immediately.


  • No queues
  • No forms to fill
  • Earn a high-interest rate on your savings
  • Be eligible for our online banking services, that lets you bank on the go
  • The maximum deposit per transaction is N20,000
  • The maximum account balance is N200,000
  • Option to upgrade account to higher transaction limits


Read: Ranking the Best Bank App in Nigeria

Send Money To Another UBA Account

If you want to transfer money from your UBA account number to another UBA account, simply dial *919*3*Account Number*Amount# from the phone number you registered with UBA, then follow the simple steps that follow from the screen. eg, If You want to transfer N1000 to another UBA bank account, dial *919*3*1000#000000000000#.

Also, note that the account number to add here is not your bank account, but the account number of the person you want to transfer the money to. If successful, you will immediately receive a debit alert.

Also, if you want to transfer up to 1million Naira, you will need to have a  UBA secure pass( TOKEN)

Send Money To Other Banks

If you want to transfer money to other banks, other than UBA accounts, simply dial  *919*4*Account Number*Amount# from the phone number you registered with UBA. example, If You want to transfer N500 to another bank account, simply dial *919*4*500#000000000000#.

Also, note that the account number to add here is not your bank account, but the account number of the person you want to transfer the money to. If successful, you will immediately receive a debit alert.


Read: Getting Started With FCMB Internet And Mobile Banking

To Top Up Your Airtime

Do you have a UBA account? If yes, then worry no more about where you can buy airtime. With the UBA magic code, you can easily buy airtime on the go with your phone.

To do this, simply dial the UBA magic banking *919# amount# on your registered mobile line. Example, to recharge N1000, dial *919*1000#

Airtime Top Up For Family And Friends

Simply dial *919*Phone Number*Amount# example, if you want to send N500 airtime to your friend, dial *919*0809999999*500#.

Note that the phone number to put here is not your number, but the number of the person you want to send the airtime to.


With the UBA magic code, You can pay up your utility bills like Go Tv, Dstv, etc. To pay these bills, simply dial *919*5# and follow the instructions that follow.


Gone are the days when you have to go to the ATM stand or walk into the banking hall to check your account balance.

With the new UBA magic code, you can simply dial a simple code, and your account balance will be sent to your phone immediately.

To check your account balance, simply dial *919*00# with the number you registered with UBA, and your balance will be sent to you as a text message.

Full list of UBA Magic Banking *919# Codes

Read: Lists of Nigerian Banks USSD Codes

Get your account balance on the move… anytime, any day!
Dial *919*00# to check your account balance


Transaction Type
Magic Banking Code
Airline Tickets
Airline Tickets Menu
Airline Tickets
Ethiopian Airline
Airline Tickets
Africa World Airline
Airline Tickets
Lufthansa Airline
Airline Tickets
Egypt Airline
Airline Tickets
Turkish Airline
Airline Tickets
Qatar Airways
Airline Tickets
British Airways
Airline Tickets
KLM Royal Dutch Airline
Airline Tickets
South African Airways
Airline Tickets
Etihad Airways
Airline Tickets
Virgin Atlantic Airline
Airline Tickets
Royal Air Morocco
Airline Tickets
Rwanda Air
Airline Tickets
Kenya Airways
Airline Tickets
Delta Air Lines
Airline Tickets
Air France
Airline Tickets
Airtime Purchase
Top-up for self
Airtime Purchase
Top-up for others
*919*phone number*amount#
Balance Enquiry
Check Balance
Bill Payments
Other Bills Payment
Bill Payments
St. Mary’s Hospital Payment
Bill Payments
Check LCC e-tag balance
Bill Payments
Top-Up LCC e-tag
Bill Payments
Make Konga Payment
Bill Payments
DSTV and GOTV Payment
Bill Payments
Taxes and Levies
Data Purchase
Buy Data (Self)
Data Purchase
Buy Data (3rd Party)
*919*14*Phone number#
Data Purchase
Smile Data Top-up
Purchase Event Tickets
Generate OTP
Block Debit Card
Freeze Online Transactions
Retrieve BVN
My Bank Statement
ARM Pensions
Oak Pensions
Load UBA Prepaid Card
Click Credit
ATM Cardless Withdrawal
Sports Wallet Funding
Baba Ijebu Wallet Funding
Sports Wallet Funding
Bet9ja Wallet Funding
Sports Wallet Funding
Lottomania Wallet Funding
Sports Wallet Funding
Betking Wallet Funding
Transfer to UBA Account
*919*3*account number*amount#
Transfer to Other Banks
*919*4*account number*amount#
Transfer using Mobile Number

UBA Magic Banking Frequently Asked Questions

I misplaced my PIN. What is the procedure for changing or resetting my PIN?

To update or reset your PIN, dial *919# and select ‘PIN Setup.’

What are the available transaction limitations on USSD?

The following are the existing restrictions:

  • N20,000 per transaction and per day with a PIN
  • N1m per transaction and every day for the token (for customers with token but no indemnity)

Note that airtime purchases are limited to N5,000 per day, with PIN authentication being the only requirement.

Is it possible to register both my account and my prepaid card on the same profile?

Only your bank account or debit card can be used to register.

You can’t register both on the same profile.

What requirements must I meet in order to enjoy this service?

You must be signed up for SMS alerts in order to use this feature, and the phone number you’re using to dial the code must be linked to the account or prepaid card you’re using.

Is it necessary for me to have airtime in order to use this service?

Airtime top-up lines do not require airtime (for Etisalat and MTN). Etisalat and Airtel will be finished in the near future. Telco USSD usage costs may apply to other services.

What is the procedure for registering for USSD (Magic Banking)?

There are two ways to register:

To do so, call *919# to access the Main Menu, then choose your preferred option. If the user is not yet registered, they will be given the following options:

  • Using a UBA Account
  • UBA Prepaid Card

So that is it, guys. If you still have any other question, please do feel free to use the comment section down below

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