
How to Activate Unity Bank USSD Code & Register Without ATM Card 2023
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Do you need to know how to activate the Unity Bank USSD Code? This post shows you how to register *7799# banking on your phone and use it for transactions.
To activate the Unity Bank USSD code, dial *7799# from your registered mobile phone number (Mtn, Glo, Airtel or 9 Mobile) and follow the on-screen prompt to create your 4-digit PIN. Even without an ATM card, you can register the Unity USSD code and transfer money to other bank accounts, check your balance, buy airtime and pay bills.
Therefore, this post helps you understand this activation process and other related topics.
So let’s start.
Read: How to Transfer Money from Unity Bank Account with USSD Code
What is Unity Bank USSD Code?
The Unity bank USSD code is *7799#. It is a fast and easy way to perform banking transactions on your mobile phone. For instance, transfer money from Unity Bank to other banks, check your balance, buy airtime, pay bills etc. This USSD code works on any phone – a basic phone or smartphone – and major mobile networks in Nigeria, Mtn, Glo, Airtel and 9 Mobile.
To start using the Unity code *7799#, you have to register it on your mobile phone. Then, create your USSD unique PIN which you will always use to confirm all transactions you make afterwards.

Is Unity Bank USSD Safe and Secure?
The Unity bank *7799# USSD banking is safe and secure as it requires your unique PIN to confirm all your banking transactions. Hence, keep your PIN private including your ATM debit card.
Peradventure, if you lost your mobile phone, block the Unity bank USSD banking immediately by dialling the USSD code on any phone.
How to Activate Unity Bank USSD Code
To use the *7799# for transactions, you must register it on your mobile phone number.
Here is how to activate the Unity Bank USSD code with an ATM card:
- Dial the code *7799# on your Unity bank registered mobile phone. Mtn, Glo, Airtel or 9 Mobile.
- Enter your Unity account number
- Next, select Yes for Do you have a Debit card?
- Enter the first 6 & last 4 digits of your ATM debit card
- Create a 4-digit USSD PIN
- Then, confirm your USSD PIN
- Receive a successful activation message.

Unity Bank USSD Code Activation Requirement
Below are the requirement to activate the Unity bank USSD code on your mobile phone number before you start using it:
- Have an active Unity bank account
- Have an ATM Debit card or not
- Use the mobile phone number linked to your bank account
- Airtime on your mobile network for Network charge. Mtn, Glo, Airtel or 9 Mobile.
- Thereafter, dial code *7799# to activate the USSD banking
How to Activate Unity Bank USSD Code Without ATM Debit Card
Interestingly, Unity Bank offers the option to activate the USSD code without an ATM card.
Here is how to activate the Unity Bank USSD code without ATM card:
- Dial the code *7799# on your Unity bank registered mobile phone. Mtn, Glo, Airtel or 9 Mobile.
- Enter your Unity account number
- Next, select No for Do you have a Debit card?
- Create a 4-digit USSD PIN
- Then, confirm your USSD PIN
- Receive a successful activation message.

Note that activating the Unity Bank USSD code without an ATM card reduces your daily limit to ₦2000 per day. If you want to increase this daily limit, visit the Unity Bank branch.
How Much is the Network Fee to Activate Unity USSD?
The mobile network (MTN, GLO, Airtel, or 9Mobile) will charge you 6.98 Naira when you want to activate the Unity bank USSD code *7799# and every time you use the code for all banking transactions.
How to Reset Unity USSD PIN
If you forgot your Unity bank USSD PIN or need to change it, reset it by dialling the code *7799*00# on your registered mobile phone number (Mtn, Glo, Airtel or 9 Mobile.). Then, follow the on-screen prompts. This code is helpful in case you forget your PIN when you register for Unity Bank USSD banking.
How to Deactivate Unity Bank Account with USSD Code
Did you lose your mobile phone and need to block your account? Dial the USSD code *7799*Phone Number# to deactivate Unity bank account (Mtn, Glo, Airtel or 9 Mobile). Then, follow the on-screen prompts and enter your PIN.
To reactivate your Unity bank account, dial the USSD code *7799# on your registered mobile phone number (Mtn, Glo, Airtel or 9 Mobile.). Then, follow the on-screen prompts.
Other Unity USSD Banking Codes
- Transfer money to a Unity bank account: Dial code *7799*1*Nuban Account Number*Amount#
- Transfer money to other bank accounts: Dial code *7799*2*Nuban Account Number*Amount#
- Buy airtime for yourself: Dial code *7799*Amount# to purchase Mtn, Glo, Airtel or 9 Mobile recharge
- Buy airtime for others: Dial code *7799*Phone Number*Amount# to purchase Mtn, Glo, Airtel or 9 Mobile recharge
- Withdraw cash from ATM without a Debit Card: Dial code *7799*8*Anount#, then follow the on-screen prompts to perform a cardless withdrawal
- Pay for bills: Dial code *7799# and follow the on-screen prompts
- Check your Unity bank account balance: Dial code *7799*0#
- To block your Debit card: Dial code *7799*911#
- Open a Unity bank Account: Dial code *7799*01#
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Final Thought
Finally, I hope you now know how to activate the Unity Bank *7799# USSD banking code on your mobile phone and use it for all financial transactions such as transferring money to another bank account.
Therefore, try it and let me know your experience. Also, leave a message in the comment section below.