It’s important to manage your finances efficiently when you’re traveling, especially in a country like Nigeria where mobile banking is more than a convenience. One of the most common questions I get from travelers in Nigeria is how to check their Union Bank account balance. Union Bank makes checking your balance relatively easy from anywhere, whether you’re an expat or a resident.
Here are several ways to check your Union Bank account balance in Nigeria, from using the mobile app to dialing a USSD code. In addition, I’ll share a few personal tips and insights I’ve gathered over the years living and traveling in Nigeria.
Checking Your Union Bank Account Balance via the Mobile App
The most convenient way to check your Union Bank account balance is through the UnionBank mobile app. With an internet connection and a smartphone, you can have access to your account information anywhere in Nigeria or even abroad.
How to Use the Union Bank Mobile App
1. Download the Union Bank Mobile App:
If you haven’t already, go ahead and download the UnionBank mobile app from the Google Play Store (for Android users) or the Apple App Store (for iOS users).
2. Log In:
Once the app is installed, open it and log in using your registered username and password. If you haven’t registered for mobile banking, you can do so by following the on-screen instructions.
3. Navigate to Account Details:
On the app’s dashboard, you’ll see an option for “Account Balance” or something similar. Simply click on this, and your balance will be displayed instantly.
4. Additional Features:
Besides checking your balance, the app allows you to transfer funds, pay bills, check transaction history, and even set up alerts for certain activities, such as low balance or incoming transfers.
Advantages of Using the Mobile App
- Real-time balance updates: You see your balance immediately after logging in.
- Easy navigation: The app is user-friendly, making it simple to manage your finances on the go.
- Additional services: You can check your balance and perform other banking tasks all in one place.
Personal Insight:
Living in Nigeria for over two years now, I’ve found that the Union Bank mobile app has been a real lifesaver. It’s my go-to for quick balance checks before heading out for any travel or shopping, and I can’t imagine doing without it! Plus, it’s a great tool for budgeting while traveling—keeping track of your balance helps avoid unnecessary overdraft fees when exploring new places in the country.
Checking Your Union Bank Account Balance Using USSD Code
For those who may not have access to smartphones or the internet, Union Bank offers a straightforward USSD service. This method allows you to check your account balance without needing data or Wi-Fi, which is especially handy when you’re out in remote areas or don’t want to drain your phone’s battery.
How to Use the USSD Code
1. Dial the USSD Code:
Simply dial *826# from the phone number linked to your Union Bank account. This service is available on all mobile networks in Nigeria.
2. Select Your Account:
You will be presented with a list of options, including checking your account balance. Choose the appropriate option by replying with the corresponding number.
3. View Your Balance:
Within a few seconds, you will receive a text message displaying your current account balance. It’s as simple as that!
Advantages of Using USSD
- No internet required: This is perfect for when you’re out and about without internet access.
- Quick and easy: A few seconds is all it takes to get your balance.
- Works on all phones: USSD works on both smartphones and feature phones.
Anecdote:
I’ve used this service countless times while traveling across Nigeria, especially in areas with unreliable internet. It’s super reliable and incredibly fast. I always recommend it to fellow travelers who might not want to rely on data-heavy apps.
Checking Your Union Bank Account Balance via ATM
If you’re near a Union Bank ATM or any other bank’s ATM that supports Union Bank cards, you can also check your balance in person. This is ideal if you’re not on the move and want to access your bank details without using your phone.
How to Check Your Balance at an ATM
1. Insert Your ATM Card:
At the machine, insert your Union Bank ATM card and enter your PIN.
2. Select “balance inquiry”:
From the menu, select the “balance inquiry” option.
3. View Your Balance:
The machine will display your current balance on the screen. You can also choose to print the balance details if needed.
Advantages of Using the ATM
- No need for a phone or internet connection: great for when you’re away from your devices.
- Print options available: You can print a receipt for your balance if necessary.
Checking Your Union Bank Account Balance via SMS
For a simple, no-fuss approach, you can also check your balance by using SMS services offered by Union Bank.
How to Use SMS for Balance Inquiry
Simply send a text message with the keyword BAL to 20123 from the phone number linked to your account.
Cost:
Sending the SMS to check your balance is typically free for Union Bank customers.
Advantages of Using SMS
- Works on any phone: No need for a smartphone or internet access.
- Quick and easy: Just send a message, and you’ll receive your balance in seconds.
Key Takeaways
| Method | Ease of Use | Internet Required | Best For | Additional Features |
|---|---|---|---|---|
| Union Bank Mobile App | Easy | Yes | Smartphone users, frequent travelers | Transfers, bill payments |
| USSD Code (*826#) | Very Easy | No | Everyone, especially in remote areas | Instant balance check |
| ATM | Easy | No | Those near an ATM | Printed balance receipt |
| SMS (BAL to 20123) | Easy | No | Feature phone users | Simple, quick balance inquiry |
Pros and Cons
Pros:
- Convenience: All options allow you to check your balance without the need to visit a branch.
- Variety of options: Whether you have a smartphone, feature phone, or access to an ATM, there’s an option for everyone.
- Speed: All methods are quick, with results available almost instantly.
Cons:
- USSD charges: Some mobile networks may charge a small fee for USSD services.
- App reliance: The mobile app requires a stable internet connection, which might not always be available.
Frequently Asked Questions (FAQs)
1. Can I check my Union Bank balance abroad?
Yes, as long as you have internet access or use USSD, you can check your balance no matter where you are in the world.
2. Is the mobile app free to use?
Yes, the UnionBank mobile app is free to download and use. However, data charges may apply for internet use.
3. Can I check my balance at another bank’s ATM?
Yes, you can use any ATM that accepts Union Bank cards, but be aware that some machines may charge a fee.
4. How secure are the balance check methods?
All methods are secure, but it’s always best to log out of the app after use and ensure your USSD code is sent only from your registered number.
Final Thoughts
Whether you’re lounging at a café in Lagos, on a road trip across Nigeria, or navigating your way through the busy streets of Abuja, checking your Union Bank account balance is just a few taps or dials away. I’ve personally relied on these methods countless times to ensure I’m always on top of my finances while traveling in Nigeria. With these options, Union Bank offers both ease and flexibility to keep you connected with your finances—anytime, anywhere.
