Have you ever stood in a banking hall for hours, just to transfer money or check your balance, only for the power to go out or the network to crash? Yeah, we’ve all been there. The shouting. The pushing. The never-ending “Oga, abeg shift small!” And just when it’s almost your turn, a bank staffer announces, “Please, our network is down. Kindly exercise patience.” You feel like screaming, right?
Now imagine you’re sitting comfortably at home, or in a keke on the road, and with just a few taps on your small Nokia phone, boom!, money transferred, airtime recharged, bills paid, and balance checked in less than a minute. That magic wand is called the Unity Bank Code.
Regardless of the phone you use or your location, you can access the *Unity Bank Code (7799#) 24/7 with no app needed, and no data required.
Let’s talk about how to activate this code, what you can do with it, and some secret tips most people don’t even know.
How to Activate the Unity Bank Code on Your Phone (in Less Than 2 Minutes)
1. *Dial 7799# on the phone number registered with your Unity Bank account.
This is your gateway to everything. Do not use an unlinked number, it won’t work.
2. Select “Register” or “Create PIN” from the options.
If this is your first time, you’ll be asked to register by setting up a 4-digit security PIN.
Example: 1994, 2222, or something memorable but not obvious (please, not your birthday).
3. Enter your Unity Bank account number when prompted.
This confirms your identity.
4. Create and confirm your 4-digit transaction PIN.
This PIN is your digital signature. Never share it with anyone, not even Unity Bank staff.
5. Success message!
You’ll see something like:
“Registration Successful. You can now access Unity Bank services using *7799#.”
4. Features and Services You Can Access with Unity Bank Code
Now that you’ve activated your Unity Bank Code, it’s time to explore the buffet. This isn’t just a transfer code, it’s an entire banking system stuffed inside a short number. Think of it as your mini-ATM, only faster and without the queue.
Here’s a breakdown of *all the amazing things you can do with 7799#:
Transfer Money Instantly
Whether it’s to another Unity Bank account or any bank in Nigeria, your transfers are just a few taps away.
To transfer to Unity Bank:
Dial *7799*1*Amount*AccountNumber#
Example: *7799*1*1000*1234567890#
To transfer to other banks:
Dial *7799*2*Amount*AccountNumber#
You’ll choose the destination bank from a list.
Buy Airtime for Yourself or Others
No more being stranded when you run out of airtime. Top up on the go, instantly.
For self: *7799*Amount#
Example: *7799*500# to buy ₦500 airtime for yourself.
For others: *7799*PhoneNumber*Amount#
Example: *7799*08123456789*200#
Pay Utility Bills
Yes, you can pay your NEPA bills, DSTV subscriptions, and even buy WAEC ePins (if available) using the code.
Just follow the prompts under the “Bills Payment” menu.
Check Your Account Balance
No more guessing games or rushing to the ATM. Just dial:
*7799*0#
You’ll see your balance instantly (note: ₦10–₦15 charge may apply).
Open a New Unity Bank Account
Don’t have a Unity Bank account yet? No wahala. Just dial:
*7799*1# and open a new account
Unity Bank Code for Airtime Recharge
To recharge your own line (SIM linked to your Unity Bank account):
Just dial: *7799*Amount#
Example: *7799*200# to buy ₦200 airtime for yourself.
To recharge someone else’s number (any Nigerian line):
Dial: *7799*PhoneNumber*Amount#
Example: *7799*08012345678*500# to send ₦500 airtime to a friend or customer.
And yes, this works for MTN, Airtel, Glo, and 9mobile.
How to Transfer Money Using Unity Bank Code
Transferring money is one of the biggest reasons people activate the Unity Bank USSD code. Whether you’re sending money to a vendor, friend, or family member, this code handles it in seconds.
Here’s how it works:
Transfer to Another Unity Bank Account:
Dial: *7799*1*Amount*AccountNumber#
Example: *7799*1*5000*1234567890#
Then input your 4-digit PIN to confirm.
Transfer to Other Banks in Nigeria:
Dial: *7799*2*Amount*AccountNumber#
Example: *7799*2*2000*0123456789#
Select the recipient’s bank from the options and confirm with your PIN.
Checkout: See How To Use The Palmpay USSD Code
(FAQs)
Here are some additional things many people wonder about, and you might too:
1. Can I use the Unity Bank Code on a different SIM?
No, the code only works on the SIM linked to your Unity Bank account. To update or add a new SIM, visit a Unity Bank branch.
2. Is there a daily transfer limit with 7799#?
Yes. Unity Bank typically allows up to ₦100,000 daily via USSD. However, you can increase this limit by visiting the bank.
3. Can I block my Unity Bank ATM card using USSD?
Currently, you can only block your account using *7799*911#. For ATM card deactivation, contact customer care or visit a branch.
4. Is there a way to check my BVN using Unity Bank Code?
Sometimes, Unity Bank includes this option in the USSD menu. Just dial *7799# and navigate the options. If it’s unavailable, dial *565*0# (N20 charge applies).
5. Can I access Unity Bank USSD abroad?
Yes, as long as you’re roaming on a Nigerian SIM and have signal. No data is needed, but roaming fees may apply depending on your network.
6. How do I deactivate the USSD code if I lose my phone?
Dial *7799*911# from any phone, follow the prompts, and block access to your account temporarily.
7. Is Unity Bank USSD Code safe from fraud?
Absolutely as long as you never share your PIN. Unity Bank’s USSD transactions require your secure PIN before anything is processed.
Conclusion
Let’s face it, in this world where time is money and stress is too expensive, the *Unity Bank Code (7799#) is your shortcut to smart banking. It’s easy to activate, fast to use, and powerful enough to handle nearly all your everyday transactions, whether it’s recharging airtime, transferring money, checking your balance, or paying bills on the go.
If you’re tired of long queues, failed mobile apps, and avoidable delays, this is your sign to take back control. Go ahead, dial *7799#, and become your own banker today.
So, the real question is: why stress when you can just dial?