Unity Bank: USSD Codes, mobile banking, contacts & more

Unity Bank came into existence when 9 financial institutions came together in 2006. Today, it is the 8th largest bank in Nigeria in terms of business locations.

In this post, we’ve outlined everything you need to know about Unity Bank.

An overview of Unity Bank

  • 2006: 9 financial institutions merged to form Unity Bank.
  • 2012: Unity Bank’s total assets were valued at US$2.45 billion (₦396 billion)

As of the moment of writing this article, Unity Bank has more than 2000 employees spread across 213 business offices in all 36 states of Nigeria, as well as the FCT.

Unity internet banking

Unity Internet Banking is a secured platform built with ultramodern technology. It gives customers unlimited access to their accounts and allows them to enjoy seamless banking transactions anytime, anywhere.

Registration for Unity internet banking

You can sign up for Unity Bank internet banking here. After clicking on the link, you will have to indicate whether you already have an account with the bank. Either way, follow the prompts and complete the registration. 

Log in to Unity internet banking

Kindly login to Unity internet banking here. The only things you’ll need are your Username and Password.

Unity Bank mobile banking

Unifi by Unity Bank lets you make your transactions anywhere, anytime, as long as you have a smartphone. You can perform transactions and manage your bank account from your mobile device.

Key features

  • Open a Unity Bank Account
  • Manage all your unity banks account
  • Refer customers and get rewarded
  • Send Money
  • Pay Bills
  • Buy Airtime and Data plans
  • Purchase Movie and Event Tickets
  • Manage your cards (Block and Enable your debit cards)

How to download the Unity Bank Mobile app


You can download and install Unifi by Unity Bank from the Google Play Store. It has a small size of 15 MB and over 100,000 downloads. It currently has a review rating of 3.0 from over 3,700 users.


If you’re using an iOS device, you can download and install Unifi by Unity Bank from the Apple App Store

Unity USSD Banking

Unity Bank’s USSD code is *7799#. You can access this code from any network, but it must be on the phone number linked to your bank account.

Short USSD codes

  • *7799*403*Bet9ja ID*amount# – Bet9ja Wallet funding 
  • *7799*Amount# – Self recharge 
  • *7799*Phoneno*amount# – Third-party recharge 
  • *7799*1*accountno*amount# – Transfer to Unitybank 
  • *7799*2*accountno*amount# – Transfer to Other banks 
  • *7799*0# – Balance enquiry 
  • *7799*5# – BVN verification 
  • *7799*9*phone number# – Block account 
  • *7799*000*RefID# – USSD on POS 
  • *7799*8*Amount# – Cardless withdrawal

Learn more about Unity Bank USSD Banking and shortcodes

Unity Bank customer care

You can always contact Unity Bank for questions and complaints. They have customer support staff that will attend to you.

Customer care number

  • +234 (0) 7080 666 000
  • +234 (0) 7057 323 226
  • +234 (0) 7057 323 229
  • 01-2803010


  • We_care@unitybankng.com
  • Cbm@unitybankng.com

Unity Bank head office address

Unity Bank has a head office in Nigeria where they manage the banking services they offer. You can also visit the office if you have any complaints. It is located at Plot 42, Ahmed Onibudo Street, Victoria Island, Lagos, Nigeria.

Unity Bank financial products, services, and account types

Individual Current Account

If you’re someone that wants to enjoy the benefits of a current account while also being able to issue third-party checks, then a Unity Individual Current Account may be worth a try.

Account Features

  • A bundled account that comes with our alternate channels Internet Banking, Mobile banking
  • Account opening balance of N5,000
  • Zero operating balance
  • Account maintenance fee (AMF) of ₦Negotiable AMF rate for accounts with high debit turnover
  • Lodgement of cheques and dividend warrants
  • No limit to turnover and withdrawals
  • SMS alerts on transactions
  • Access to personal loans is subject to meeting the Bank’s RAAC

Unifi Savings Account

This is a Tier 1 savings account that’s specially designed to suit the lifestyle of the youths.

The account gives access to the Unifi mobile app alongside another platform that allows users to earn rewards under a referral program. It has a maximum account balance limit of ₦300,000.

Account Features

  • A savings account that comes with alternate channels {Debit card, Internet Banking, Mobile banking} 
  • ₦1,000 opening balance.  
  • Zero minimum balance. 
  • Maximum deposit threshold of N300, 000 – Tier 1. 
  • Two passport photographs and a valid school (tertiary) or NYSC identity card.  
  • Combo-Verve card – with two customized design options that resonate with the target market. 
  • Interest is payable monthly. 
  • Subsidized Interest on loans for certified and qualified applicants.

Learn more and apply for an Unifi Savings Account at Unity Bank

Fixed Deposits

Having a Fixed Deposit Account in Unity Bank allows customers to invest an amount for a fixed period and earn a predetermined interest. It gives investors a higher interest rate than a normal savings account.

Fixed Deposit Features

  • Can be withdrawn at any time after the initial 30 days
  • It serves as security for credit facilities
  • Minimum deposit of ₦100,000

Unity Bank loans

Salary Advance

If you’re a salary-earning customer of Unity Bank or someone with a fixed monthly income, then you may be eligible for a Salary Advance Loan. You can learn more here

Salary Backed Loan

Unity Bank’s Salary Backed Loan is somehow similar to its Salary Advance. However, there’s a difference in the repayment term. While the latter is a short-term loan of not longer than 3 months, the former can be up to 2 years.

Asset Acquisition Finance

Unity Bank assists eligible customers to partially fund their purchase of physical assets like electronics, vehicles, etc. You can use this loan to buy an asset and pay it back later. You can learn more about the Asset Acquisition Finance Loan here. 

How to apply for Unity Bank loans

Kindly visit the loan page of whichever one you wish to apply for. Alternatively, you can contact Unity Bank customer care or visit a physical branch.

Unity Bank website

Unity Bank has a website where you can see all information about them on the web and learn more about their services. The website is UnityBankng.com

Unity Bank Swift Code information

A SWIFT code is a set of 8 or 11 digits that represents a bank branch. You’ll need to use one when sending money internationally.

Bank NameUnity Bank Plc
Bank AddressUnity Bank Plc, Plot 42, Ahmed Onibudo Street, Victoria Island, Lagos

Unity Bank branch locations

If you’re trying to locate a Unity Bank branch in any part of Nigeria, you don’t have to start asking around. The bank already has a website where all of its branches and addresses are listed on. Visit the Unity Bank Offices Page and click on your State/region.

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Victor Iyiola

Victor Iyiola

Victor Iyiola is a Content Writer with MakeMoney.ng. He has a great passion for Business, Finance, and Entrepreneurial topics. Victor is a big fan of
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