Frequently Asked Questions

All Unity Bank corporate and individual account holders.

All customers can check account balances, view account statements, view and download transaction history for various accounts, transfer funds, buy airtime, pay bills and much more.

You can download the form from our website: www.unitybankng.com. The forms are also available at all our branches. Fill and submit the forms at any of our branches or scan and send it to we_care@unitybankng.com. You will be set up in less than 5 minutes and your login details will be sent to your mailbox. Check your mail for your user id and password will be sent in two separate mails.

Transfers between Unity Bank accounts attract no charges. A transfer from a Unity Bank account to other Banks attracts a charge of N52.50k only.

The latest electronic encryption technology ensures the safe transfer of information over the internet. You will also require a token for authentication of all transactions carried out on the platform

Funds can be transferred to any Account in Unity Bank or any other Bank in Nigeria.

Please check you junk/spam mail folders to confirm that the email was not sent. If no mail is seen, please contact Unity Contact Centre on 07080666000 or send a mail to we_care@unitybankng.com or visit the nearest Unity Bank branch to receive new login details.

This is a new and unique security feature which allows you customize your login page and confirm that you are on the authentic Unity Bank Online website.

The most secure way to access the online banking site is through the Unity Bank website at www.unitybankng.com

You may reset your password using the “Forgot Password” link just above your True Stamp on the login page

This occurs where the security questions are not answered correctly. Please contact Unity Contact Centre on 07080666000, or send a mail to we_care@unitybankng.com, so that your security questions can be reset.

Under the “Self-Service” menu, click on “Token Synchronization”, press the button on your token and enter the displayed code in the response 1 field, repeat for response 2 and click on “Synchronize.

Click on “Download” under the accounts menu and select the duration for the statement you wish to download. (Please note that for optimal performance of this service, Internet Explorer 8 is required but preferably, you can download the csv file format from all types of browser)

Click on “Activity” under the accounts menu to check you transactions, you may select the duration for the activities you wish to view

The questions represent 2 password questions to be used for password self-reset, using the Forgot Password link, and another 2 security questions for intelligent authentication i.e. challenge questions to confirm account ownership when it is assessed from an unusual system, device or geographical location.

Your account was locked out because there had been 3 failed login attempts. Please contact Unity Contact Centre on 07080666000, or send a mail to we_care@unitybankng.com or visit the nearest Unity Bank branch to unlock your account. Do not respond to suspicious email links or calls demanding that you update your account in order not to get locked out.

Click on “Accounts” on the menu tiles, then click on “Activity” to view your account balance.

You can update your email through the “Self Service” page, by clicking on “Maintain Customer Information”, editing your details and authenticating the change with your token.

Click on “Activity” under the accounts menu to check your transactions, you may select the duration for the activities you wish to view.

Click on “Bills”, select the account and select “Mobile Recharge” under the category, enter the beneficiary phone number under “Bill Reference” field, and authenticate with a token.

Click on “Bills”, select the account and select “Phone Bills” under the category, enter the Post-paid phone number under “Bill Reference” field, and authenticate with a token.

Internet Banking is a secured real time platform that enables you access your account 24/7, 24 hours a day, 7 days a week.

Yes. Account opening can be done at your comfort. Simply use UniFi app or visit unity1.unitybankng.com

Yes. The account can be operated through any of our card products or internet banking solution.

Your company / organisation will write the bank to introduce the prospective account holder to the bank for account opening.

An account becomes dormant after 6 months of inactivity.

Accounts are opened within 24 hours upon submission of all required documentation.

No. There is no charge for operating your account from another Unity Bank Branch.

No. Only transfers in same currency are available.

Yes. Account update requests can be made at any of our branches.

No. requests can be made from any of the bank’s branches or through the Contact Centre.

The customer will need to complete a cheque book requisition slip from any branch of Unity Bank.

Within 24 hours.

Yes. The customer will need to give an instruction and indicate the Branch to pick up the cheque book.

The customer should immediately notify the Bank to take action against unauthorized transactions.

Simply Go To Android Play Store / IOS Store and Search For UniFi. Download And Enroll to Enjoy Seamless Transactions

Yes. A Customer Who Has a UniFi App Downloaded And Enrolled Can Log Into Web Using The Same UniFi Login Details.

The Maximum Amount Is 5,000,000 Cumulatively And 1,000,000 Single Transactions with a Hard Token For Web and 2,000,000 Cumulatively and 500,000 Single Transactions for Mobile If On Boarded With Card But 2,000 If On Boarded With OTP

The Features are as follow: Qr Payment, E-naira, Third Party Account Statement, Balance Enquiry, Fund Transfer, Bills Payment, Airtime Recharge And Data, Events, Movies, Card Management, Locate Branches.

This is a Self-Service Option On The App And Web. Simply Click On The Forgot Username Or Password Icon On The Log In Page.

• Password: To Reset Your Password On This Channel, The Username Must Be Provided As It Is At The Backend During On-Boarding. The Passcode Will Default To The Customers Email And

sms.

• Username: You Will Be Required To Input Account Number And The Username Will Be Sent Via Email And Sms.

There Is No Difference In The Features As A Transaction Can Be Initiated On The Mobile And Be Completed On Web. A Beneficiary Can Be Saved On The Mobile And Still Appear On The Web.

No. Recharge Using The Channels Are Free.

Yes. A Surcharge Applies For Transfers To Any Bank.

All Individual Account Holders With Phone Numbers Enrolled On The Bank’s Sms Alert Platform. Joint, Corporate, And Multiple Signatory Accounts Are Not Eligible For This Service. Non Account Holders Can Open An Account Using The Unifi App.

If You Have An Existing Unity Bank Account:

• Simply Download The App From The Play Store
• You Will Be Required To Register For This Service. Do You Have A Unity Bank Account? 
• Input Your Account
• Use Card Or OTP For Account Verification
• Enter The Card Details Or The Otp Sent To The Registered Phone Number
• Create Your Profile  ( Username, Password And Pin )
• Your Account Is Now Live On The Unifi App

Non-Account Holder
• Simply Download The App From The Play Store
• You Will Be Required To Register For This Service. Do You Have A Unity Bank Account? 
• Click On I Don’t Have An Account
• Prompt To Provide Bvn Or Enter 0 For No Bvn
• Enter Your Bvn
• Otp Will Be Sent To The Registered Phone Number Tied To The Account
• Input The Otp
• Provide Your Contact Details With Your Preferred Branch Location
• Create Your Profile  ( Username, Password And Pin )
• Account Number Will Be Generated And Sent To Customer.

Yes, All Internet Enabled Phone Types Can Enjoy The Service.

If You Have Questions, Or Need Assistance When Transacting, You Should Contact Our Customer Care Center On +234 7057323225-30, 07080666000. You Can Send A Mail To We_Care@Unitybankng.com; Customercare@Unitybankng.Com Or Visit Any Unity Bank Branch And Relay To The Customer Service Officer (Cso).

Your Request Will Not Be Honored. Kindly Input The Correct Bvn Number.

Yes. The Channel Is Protected As It Requires Registration And Pin Authentication On All Your Banking Transactions.

Yes. A Customer Is Expected To Comply With All Rules And Regulations Issued By The Bank Governing The Use Of Electronic Banking Services Which The Bank May From Time To Time Offer, In Order To Ensure Banking Convenience.

You Will Be Required To Input The Correct Details As Specified On The Site. You Can Contact Our Customer Care Centre On +234 7057323225-30, 07080666000. Or Send A Mail To We_Care@Unitybankng.Com; Customercare@Unitybankng.Com Or Visit Any Unity Bank Branch, Relay To The Customer Service Officer (Cso) The Message That You Received While Attempting To Transfer.

A Customer Is Expected To Safeguard His/Her Bank Details – Debit/Credit Card, Other Bank Instruments, Personal Identification Number(Pin), Online Banking Details And Code So That Unauthorized Persons Are Unable To Gain Access To Them. The Bank Shall Not Be Held Liable For Any Loss, Damages Etc. Arising From Any Of Such Risks.

Transaction Cannot Be Performed On Your Account Without Your Four Digits Pin, But In A Situation Where Such Occurs The Customer Can Contact Our Customer Care Center On +234 7057323225-30, 07080666000 Or Send A Mail To We_Care@Unitybankng.Com; Customercare@Unitybankng.Com Or Visit Any Unity Bank Branch, Relay To The Customer Service Officer (Cso) The Message That You Received While Attempting To Transfer.

Your new card will be available for pick up at your requesting branch within 5 working days. However we also offer the non-personalized card which can be picked up instantly at any of our branches.

Simply load funds on your card and it will be activated immediately.

You can load your card with cash at any of our branches

Your prepaid card is a reloadable card. You can add funds by reloading at any of our branches or transferring funds into it until the card expires.

The Unity Debit Card is a payment card that represents an electronic means of withdrawing money from your bank account or making purchases with the money in your bank account. The Unity Debit Card can be used on UnityBank ATMs and other banks’ ATMs. It can also be used for online transactions and on POS terminals.

Visit any Unity Bank Branch and the Customer Service Officer will provide you with an application form. You also have the option of visiting our website www.unitybankng.com and visit the Customer Care page to download the application form.

The Debit Card is provided at the cost of N1000.00 (One Thousand Naira) only

Yes. There may be some transaction charges for using the Debit Card depending on your location.

You can withdraw a maximum of:

Cash Withdrawal from ATM – N150, 000.00

POS – N500, 000.00

WEB – N100, 000.00

This means that the chip on the card chip may have been corrupted. Return the card to the Customer Service Unit of your branch and request for a new one.

It means you have inputted a wrong PIN. If you cannot remember your correct PIN, request for a PIN reset.

Submit a request for a new PIN at any of our Branches or send a mail to we_care@unitybankng.com.

Contact the Customer Care or your Branch to hotlist the Card thereby preventing unauthorized transactions and request for a new one

Please return the card to your Branch to be issued with a new one.

Please hold on for 24 hours and if the money is not reversed, kindly visit any of our branches to fill a dispense error form for resolution. 

7799 is a convenient, secure, quick and easy way to perform your banking transactions like (transfer money, check account balance, pay bills, buy airtime, Cardless withdrawals, block card, BVN verification, USSD on POS, language selection and lots more effortlessly without requiring you to have data (internet) on your phone.

Yes. A customer can successfully transact and request for BVN.

100,000. A customer that wishes for a higher amount will have to indemnify the bank

Hard Token is 2FA (Second Factor Authentication). This is required when transaction above 20,000 is carried out on the service.

Kindly visit any branch closest to you and request for the Hard Token. The same Hard token used for the Internet banking can be used so long it is linked to the account number.

The features of 7799 are as follows: Balance Enquiry, fund transfer, bills payment, airtime recharge, BVN verification, Card-less withdrawal, Buy data, Change PIN, Add Account, Remove Account, block account etc.

Yes. Kindly dial *7799# select 0 for next page and select 1 for Add account. The account must have the Customer number for it to be added.

Daily limit is N20,000

Daily limit is N20,000

NO. Recharge using *7799# is free.

YES. A surcharge of N10, N25 and N50 will be charged for transfer to any bank and N20 when sending to a Unity bank account with VAT.

All Individual account holders with phone numbers enrolled on the Bank’s SMS alert platform.

Joint, corporate, and multiple signatory accounts are not eligible for this service. Non account holders can open an account with *7799#.

If you have an existing Unity bank account:

• Simply dial *7799#

• You will be required to register for this service. Do you have a unity bank account?  Select 1 as yes 

• Input your account 

• Input 1st six(6) and last four(4) digit number of your debit card ( limit will be N100,000)

• A customer without a debit card can still enroll but with one-off limit of N2,000  

• Create a new 4-digit PIN

• Your number is now LIVE on the Unity bank USSD Convenient Banking 

Yes. Because there's no special software to install, you can operate on any device

Yes, all subscribers of Airtel, MTN, Globacom and 9mobile networks can use and enjoy the services.

No, the mobile number MUST be the number that is linked/registered to your account with the Bank.

If you have questions, or need assistance when transacting, you should contact our Customer care center on +234 7057323225-30, 07080666000.

You can send a mail to We_care@unitybankng.com or  customercare@unitybankng.com or visit any Unity Bank branch and relay to the Customer Service Officer (CSO).

Your request will not be honoured. Kindly input the correct BVN number.

 Yes. The USSD platform is protected as it requires registration and PIN authentication on all your banking transactions

Yes. A Customer is expected to comply with all rules and regulations issued by the Bank governing the use of electronic banking services which the Bank may from time to time offer, in order to ensure banking convenience.

Customer is expected to keep her PIN safe but in a situation where PIN cannot be remembered, customer should contact Customer care centre on +234 7057323225-30, 07080666000 or visit the nearest branch for PIN reset.

You will be required to input the correct details as specified on the site. You can contact our Customer Care centre on +234 7057323225-30, 07080666000. or send a mail to We_care@unitybankng.com customercare@unitybankng.com or visit any Unity Bank branch, relay to the customer service OFFICER (CSO) the message that you received while attempting to transfer.

Yes. A Customer is expected to comply with all rules and regulations issued by the Bank governing the use of electronic banking services which the Bank may from time to time offer, in order to ensure banking convenience.

Customer is expected to *7799*9# to block account 

Transactions cannot be performed on your account without your four digits PIN, but in a situation where such occurs the customer can contact our CUSTOMER CARE centre on +234 7057323225-30, 07080666000. or send a mail to We_care@unitybankng.com customercare@unitybankng.com or visit any Unity Bank branch, relay to the customer service OFFICER (CSO) the message that you received while attempting to transfer.