Bank on-the-go with UnionMobile! You can pay bills, transfer money and buy airtime or data at your convenience. Download the app from your app store to get started.

Services offered


  • Pay Bills – Cable subscription, Electricity payments, toll payments, etc
  • Airtime recharge
  • Instant funds transfer
  • Open an account
  • Cardless withdrawals
  • Set up standing orders
  • Book flights and hotels
  • Email banking
  • Pay school and exam fees
  • Fingerprint authentication option
  • Locate an Agent

Get Started


  • Download the new UnionMobile App and accept the Terms and Conditions
  • Enter account number (OTP will be sent to your registered mobile phone number with the bank)
  • Enter the OTP you received on your registered mobile number
  • Choose username and password
  • Choose a new password and transaction PIN then submit
  • Return to home page and Log in


  • Download the new UnionMobile App
  • Sign in with your UnionOnline username and password
  • Enter account number and submit (a One Time Passcode will be sent to your registered phone number)
  • Enter OTP
  • Create Transaction Pin
  • You are successfully registered, go to home page and login

Simpler, Smarter Features

You can now spend less time banking and
more time doing the things you love.

Hot Deals

Access to special discount offerings on lifestyle products.

Open an account

Download the mobile app to open an account.

Locate Bank Agent

Get the nearest DSA around you for cash deposit /withdrawal and account opening request.

Locate ATM / Branch

Locate the nearest branch or ATM to you.

Download the unionMobile App, clear your doubts

Frequently Asked Questions

What is UnionMobile?

UnionMobile is a service that allows you have your Bank on your mobile phone. Dial *826# or download UnionMobile App from your google play store or App store now to get started.

Why do I need UnionMobile?

  • Access to your money anytime, anywhere.
  • Your funds are secure with a password, PIN, soft and hard tokens.
  • Transactions are instant.

How do I register on Mobile banking?

You can register on UnionMobile via two channels.

Dial *826# on the mobile number linked to your Union Bank account . Select “1” to activate UnionMobile and follow the options.

Mobile App

  • Download UnionMobile App from Google Play store for Android
  • Phones and App store for IOS phones.
  • Click on “Get Started”
  • Accept terms and conditions
  • Input your account number and click submit
  • You will receive an OTP on the mobile number linked to your account number
  • Input the OTP in the space provided on the App and click continue
  • Set your username, password and PIN

After registration, what is my transaction limit?

You can buy airtime worth N5,000 for yourself only.

How do I activate my profile for transactions?

  • USSD
  • Dial *826*8#
  • Select the last 4 digits of your debit card
  • Input your CVV (3-digits behind the debit card)
  • Input debit card PIN


UnionMobile App

  • After login, click on the menu button (at the top left corner)
  • Click on ‘My Profile’ and select ‘ Activate transactions’
  • Input PAN, CVV, expiry date and debit card PIN
  • Click activate

How can I buy airtime?

To buy airtime for yourself
Dial *826*amount# on the mobile number linked to your Union Bank account.

To buy airtime for someone
Dial *826*amount*mobile no# on mobile number linked to Union Bank account.

What are the USSD short commands that I can use for quick transactions?

Buy Airtime for self- *826*amount#
Buy Airtime for someone – *826*amount*mobile no#
Buy Data – *826*9#
Transfer to Other banks – *826*2*amount*account no#
Withdraw cash without your card – *826*7*amount#
Transfer to other Union Bank accounts – *826*1*amount*account no#

How can I pay my electricity, cable TV bills & other bills?

  • Login on the UnionMobile App
  • Click on pay bills
  • Scroll down to select bills category
  • Select Discos for both prepaid and postpaid PHCN payments
  • Input your meter no and amount
  • Click continue
  • Input your PIN and click submit


You can also make other payments:

  • Dstv
  • Gotv
  • Startimes
  • LCC
  • Bet9ja
  • Betking
  • Nairabet
  • Lionsbet
  • Merrybet and lots more

How can I withdraw cash without my debit card?

Withdraw cash from the ATM without your debit card in 2 easy steps.

Step 1 – Generate the code with USSD or the Mobile App


  • Dial *826*7*amount#
  • Input your PIN and submit
  • You will receive an SMS with the Pay code and a one time password

On the Mobile app

  • After login, click on Cardless withdrawal
  • Adjust the + sign to desired amount
  • Input PIN and click on generate token
  • You will receive an SMS with the Pay code and a one time password

Step 2 – Withdraw on the ATM

  • Tap any key on the ATM to enter Cardless mode
  • input pay code sent via SMS
  • Input OTP sent via SMS
  • Input amount and submit
  • ATM dispenses the cash

How can I withdraw cash without my debit card?

  • N10,000 per withdrawal
  • Maximum withdrawal per day is N50,000