AI agents for business finance: what they can and can't do
What AI agents can do in bookkeeping, close, collections and compliance today, where a person must stay in charge, and how to judge a product.
The short answer
To send money to another bank, dial *919*4*AccountNumber*Amount# from your linked line, pick the bank and enter your four-digit PIN; for another UBA account use *919*3*AccountNumber*Amount#, and for microfinance banks and fintechs use *919*6#. UBA's page, as at October 2026, lists a PIN-only limit of ₦20,000 per transaction and other-bank fees of ₦10, ₦20 or ₦50 plus VAT by amount, and the ₦50 stamp duty applies to transfers of ₦10,000 or more.
The transfer strings
| Sending to | Dial | UBA charge listed |
|---|---|---|
| Another UBA account | *919*3*AccountNumber*Amount# | Free in one table, ₦20 in another |
| Another bank | *919*4*AccountNumber*Amount# | ₦10, ₦20 or ₦50 + VAT by amount |
| Microfinance banks, fintechs and other institutions | *919*6# | Other-bank bands |
| A UBA prepaid card | *919*32# | ₦50 + VAT |
| A mobile number | *919*36# | Not listed |
Source: UBA Nigeria's *919# USSD Banking page, checked October 2026. Note the order: the account number comes before the amount. Some third-party lists, including a TechCabal round-up, print the older form *919*Amount*AccountNumber#; use UBA's own order, and if a string is rejected, dial *919# and use the menu.
Step by step, to another bank
- Dial from the phone number linked to your UBA account (SMS alerts must be on).
- Enter *919*4*AccountNumber*Amount#, for example *919*4*0123456789*15000# to send ₦15,000 (illustrative account number).
- Select the recipient's bank from the list.
- Check the account name that appears. If it is not the person you meant, cancel.
- Enter your four-digit *919# PIN to confirm.
- Wait for the debit alert and ask the recipient to confirm the credit.
The name check in step 4 is the most important moment. Once a transfer to the wrong account goes through, getting it back depends on the recipient's bank and sometimes the recipient's cooperation. Our guide to reversing a wrong UBA transfer explains what can be done.
How much you can send
UBA's *919# page gives limits by how you authorise the transfer. Its table and its FAQ do not agree in every row, so both are shown.
| Authorisation | Per transaction (table) | Per day (table) | FAQ says |
|---|---|---|---|
| PIN only | ₦20,000 | ₦100,000 | ₦20,000 per transaction and per day |
| PIN + Secure Pass token | ₦20,000 | ₦100,000 | ₦1m per transaction and per day |
| Token + signed indemnity | ₦500,000 | ₦1,000,000 | Not separately stated |
The safe reading is that a PIN-only customer can rely on ₦20,000 per transfer, and that larger USSD transfers need a token and possibly an indemnity form signed at the bank. For bigger amounts, the app or Internet Banking is usually simpler. Our guide to UBA transfer limits by tier covers the other channels.
What it costs
UBA lists these other-bank charges on *919#: ₦10 + VAT for ₦0 to ₦5,000, ₦20 + VAT for ₦5,001 to ₦50,000 and ₦50 + VAT above ₦50,000. On top of that, from 1 January 2026 the sender pays a ₦50 stamp duty on electronic transfers of ₦10,000 or more, as reported by Techeconomy, which replaced the old EMTL. UBA's page also lists ₦6.98 per USSD session for existing users.
The full picture, including how charges show on your statement, is in our guide to UBA transfer charges.
Sending to OPay, PalmPay, Moniepoint and other fintechs
UBA's page separates transfers to microfinance banks, fintechs and other institutions onto *919*6#. If the recipient's institution does not appear in the bank list under *919*4#, use *919*6# and look for it there. The account name check matters even more here, because fintech account numbers are often the recipient's phone number without the first zero, and one wrong digit can land on a real stranger.
Large payments: plan around the limit
If you need to pay, say, ₦250,000 for rent and only have PIN authorisation, USSD is the wrong tool: at ₦20,000 per transaction it would take 13 transfers, each carrying its own fee and stamp duty, and you would probably hit the daily cap first. The app or Internet Banking, or a token with the indemnity UBA describes, is the way to make one payment. The rent example is illustrative.
For the same reason, do not let a seller talk you into "several small transfers" to dodge a limit. It multiplies charges, and on a dispute it gives you several transactions to trace instead of one.
If the transfer fails or hangs
- Check your balance and alerts before trying again, so you do not pay twice.
- If you were debited and the recipient was not credited, report it to UBA's Customer Fulfilment Centre on +234-02012808822 or cfc@ubagroup.com with the date, amount and recipient details.
- If the code itself will not work, see *919# not working.
Safety
Never dial a transfer string someone else has sent you, even if it looks like a "verification code". A string with an account number and amount sends money the moment you enter your PIN. UBA's page lists *919*9# to freeze online transactions and *919*911# for third-party blocking if your phone is stolen. Our guide to USSD banking fraud describes the common scams.
Where Pryme fits
Pryme shows the fee on its own line before you approve any transfer; see send money.
Questions people ask
What is the UBA transfer code to other banks?
*919*4*AccountNumber*Amount#, then choose the bank and enter your PIN.
What is the UBA code to transfer to UBA?
*919*3*AccountNumber*Amount#.
What is UBA USSD transfer limit?
With a PIN only, UBA lists ₦20,000 per transaction; the daily figure is ₦100,000 in its table but ₦20,000 in its FAQ. A token and indemnity allow more.
How much does UBA charge for USSD transfer?
To other banks, ₦10, ₦20 or ₦50 plus VAT by amount, plus ₦50 stamp duty on ₦10,000 or more, and ₦6.98 per session.
Sources
- UBA Nigeria: *919# USSD Banking · accessed Oct 2026
- Techeconomy: Stamp duty replaces EMTL, sender to bear ₦50 charge on bank transfers (1 January 2026) · accessed Oct 2026
- TechCabal: USSD codes for GTB, FCMB, UBA and Fidelity Bank (November 2023) · accessed Oct 2026
- UBA Nigeria: Contact us · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.