Magic Banking

Bank anywhere, Bank anytime.

Experience the Magic in Banking with *919#

Open a UBA account, transfer funds, buy airtime for yourself, family & friends, pay your bills, pay for your flights and check your account balance all on your mobile phone.

*919# Account Opening

Simply dial *919# and follow the easy steps. Your account number will be sent to your mobile line. It is that easy! To enjoy the full benefits of your new account, visit any UBA business office with your identification so that your BVN can be linked to the account.

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



*919# Funds Transfer

You can send money to any UBA bank account or UBA prepaid card

Dial *919*3*account number*amount# from the phone number you registered with UBA, then follow the simple steps

Dial *919*32# from the phone number you registered with UBA

Dial *919*4*account number*amount# from the phone number you registered with UBA
  • It works on all phone types
  • It is fast and convenient
  • It does not require data on your phone to send money
  • It allows you to send money to accounts in any Nigerian bank
  • It allows for higher transaction limits of up to N1m per day

*919# Airtime

Out of Airtime? *919# to the rescue
Use *919# to top up airtime on your phone and for others

Simply dial *919*amount# on your registered mobile line (e.g. *919*1000#)

Simply dial *919*Phone Number* Amount# (e.g. *919*08123456789*1000#)

  • It is simple and convenient
  • The mobile line is recharged immediately
  • Works with phone numbers registered with UBA
  • The service is available to MTN, Airtel, Glo and Etisalat subscribers
  • No fee is charged for top ups
  • Maximum account balance is N200,000
  • Daily recharge limit is N5,000



*919# Need To Pay For Your Flight?

*919# Magic banking has a fantastic flight booking service.
  • Dial *919*12#
  • Input 4 digit Magic Banking PIN and select bank account to pay from
  • Select desired airline and input flight PNR (Passenger Name Record)
  • Input phone number of passenger and payment amount (Passenger Name Record)
  • That’s it. Flight paid for

Magic Codes

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

Transaction Type
(Click to dial) Magic Banking Code
Check Balance
Top-Up for Self
Top-Up for Others
*919*phone number*amount#
Transfer to UBA Account
*919*3*account number*amount#
Load UBA Prepaid Card
Transfer to Other banks
*919*4*account number*amount#
Pay Bills
ATM Cardless Withdrawal
Airline Ticket Menu
Africa World Airline
Egypt Air
Ethopian Airline


Frequently Asked Questions

Dial *919# and select ‘PIN Setup’ to change/reset your PIN

The existing limits are:
PIN – N20,000 per transaction and per day
Token – N1m per transaction and per day (for customers with token but no indemnity)
Note: Airtime purchase has been limited to N5,000 per day and the only PIN authentication is required

You can only register with either your bank account or your prepaid card. You cannot have both registered on the same profile.

You have to be enrolled for SMS alert and the number you are dialing the code from must maintained on the account/prepaid card you are trying to enrolled.

You do not need airtime to use the airtime top-up strings (for Etisalat and MTN). Etisalat and Airtel will be done shortly. For other services, telco USSD usage charges may apply.

There are two registration options:
To do this, dial *919# to see the Main Menu and select your desired option. If the user is not yet registered, she/he would be presented with registration options:
With UBA Account
With UBA Prepaid Card

Please contact our 24/7 Customer Fulfilment Center (, 234-700 2255-822