UBA Transfer Code | Send Money to Anywhere in Nigeria 2020


To transfer money from your UBA account to any other banks in Nigeria easily you will need a code and here is everything you need to know.

uba transfer code

This article features the mobile money ussd code for transferring funds from a UBA account. Here, we will discuss in detail how to send money to any bank account in Nigeria using the mobile banking code of United Bank for Africa.

It is no news that United Bank for Africa popularly known as “UBA”, is one of Africa’s leading banks and among the wealthiest banks in Nigeria today. The financial institution operates in over 20 African countries at the moment and also have branches in London, New York and Paris.

To give its over 14 million customers a better banking experience, the bank has introduced several innovative products. One of such products is UBA Magic Banking. A form of banking that enables customers carry out transactions by dialing a ussd code on their mobile phones.

Using the code, you can be able to transfer funds from your account to another UBA customer. You can also transfer to other banks and as well to your prepaid card.

United Bank of Africa has three different codes you could dial whenever you want to make money transfers. These three codes are derived from their Magic Banking code *919#.

UBA Transfer Code

  • The Code send money to a UBA customer from your own account is *919*3#
  • Code to transfer to other Nigerian banks is *919*4#
  • The code to send from your UBA prepaid card is *919*32#

How To Transfer Funds with *919#

To transfer money using the magic banking code on your mobile phone, here is how to do it.

For the sake of clarity, we will break this section into three. First we will talk about how to transfer from UBA to UBA, then to other banks and finally to a prepaid card.

UBA to UBA Funds Transfer

To do this, follow the steps below.

  • Using the phone line registered to your account with the bank, dial *919*3*RecipientAccountNumber*Amount# (e.g. *919*3*2012345678*2000#)
  • You will be required to enter your magic banking PIN. Just enter the 4 digit pin you choose when you registered for mobile banking. (If you have never registered for mobile banking before, follow the onscreen instructions to do it. After that, move to the next step)
  • You will see a message on your screen saying “A Transaction fee of N20 applies. Do you wish to continue?”
  • Reply with 1 for Yes or press 2 to cancel the transaction
  • After that, another message will be displayed on your screen saying “Your transaction is being processed”

In less than 3 minutes, you will receive a debit alert from your bank as a proof that the transaction was successful.

UBA to other Banks Transfers

To send money to other bank in Nigeria from your account with the United Bank for Africa using *919*, below is how to do it.

  • From the mobile line you receive transaction alerts from your bank, dial *919*4*RecipientAccountNumber*Amount# (For example, *919*4*3012345678*6000#)
  • Enter your 4 digit PIN for magic banking (or register for one by following the instruction on your screen)
  • Select the recipient bank from the list of banks that will show up on your screen
  • Confirm the recipient account by selecting “Yes” after his name and the amount you want to send to him shows up on your screen
  • Within a few seconds of confirming that transaction, it will be processed and your account will be debited. {Bear in mind that for this transaction, the bank will charge you N52.

So if you transferred N5,000 to someone, you will receive a debit alert of N5,052. The N52 there is the bank charge}.

Transfer to A Prepaid Card

To transfer funds to your UBA prepaid card using magic Banking method, follow these steps.

  • Dial *919*32# on your phone {Like I have mentioned several times in this article, you must dial this code using the mobile line registered to your account with the bank}
  • Enter your 4 digits magic banking PIN (if you are yet to have one, follow the instructions on your screen to sign up for magic banking and set your PIN)
  • After that, enter your card client ID (the full 10 digits)
  • Enter the amount you want to transfer
  • Confirm the transaction by selecting “Yes.”

Within a few minutes, you will receive a debit alert from the bank as confirmation that the transaction was successful.

Once that happens , you can go ahead to use your prepaid card and make transactions as you wish.

Those are the three major types of funds transfers you can do using *919* or *919# as the case may be.

Frequently Asked Questions

Below are some of the FAQs on UBA Magic Banking code *919# and their answers.

1.) Does the code work with any type of phone?

Yes, *919# magic banking works with any type of phone; Android, IOS, Java etc. Just like magic.

2.) Must I have data on my phone before dialling the code?

No, you don’t need to have browsing data on your line before using the code. Even if you have, it won’t be touched.

The ussd code is meant for carrying out transactions offline.

3.) What is the maximum amount I can transfer with *919*

The maximum amount you can transfer with *919# per time is N20,000. If you want to transfer more than that, you will be required to enter a Token from the bank in order to authenticate the transaction.

The transaction I made with the code is not successful but I was debited . What do I do?

If you made a transfer with *919# and the person did not receive the money but you were debited, don’t panic Within 24hours, the money will be returned to your account.

Sometimes the money will be returned to your account within a few minutes. However, if you wait for 24 hours and it’s still hanging, contact the customer care service of the bank ASAP.

Magic banking code isn’t just use to send money, you can also use it to retrieve your uba account number very easily.


For money transfer less than 5000 Naira, you will be charged N10. If you are sending between N5001 and N50,000, the charges is 25 Naira and for transfer above 50,000 Naira the charges is 50 Naira.

Final Words

We have discussed in this article how to send money using UBA transfer code *919#. A method known as UBA Magic Banking or UBA Mobile banking through USSD Code.

Are you searching for how to carry out transactions using UBA *919#? I hope you find the information provided in this guide useful.


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