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How to Block Union Bank ATM Card

How to block union bank ATM ATM card is not a mystery that is impossible to solve. Stay glued to this page if you would like to know-how.

Automated Teller Machine Cards (ATM Cards) are plastic issued cards with chips issued by banks to customers to withdraw cash and execute daily transactions wherever they are. 

Its advent has helped in preventing going to the bank regularly to withdraw money and has made it easier to purchase goods and services in the comfort of our homes. Such cards are visa cards, master cards, etc. and these cards can only be used at ATMs and require a PIN (Personal Identification Number). 

All withdrawals using an ATM card are immediately deducted from the customer’s account. All banks or financial institutions issue these cards for the convenience of their customers, including union Bank. 

Types Of ATM Cards

ATM cards come in various types: Debit cards, Credit cards.

Credit Card

Credit cards allow a consumer to purchase goods and services on loan against an agreed credit. It is a loan and will be repaid at a later date. Unlike debit cards, all expenses are not automatically removed from your checking account. 

Debit Cards

Debit cards do everything ATM cards do but can also be used for purchases anywhere ATM cards are accepted, including retail stores and online sites. The cost from these transactions is deducted directly from the customer’s account. The issuer of these cards i.e. the bank will often charge a monthly fee for using the debit card. Types of debit cards include Visa Debit Card, Mastercard, etc. 

How to Block Union Bank ATM Card

There are several reasons that can make you want to block your union bank ATM card. It might be due to misplacing it, getting it stolen, unauthorized transactions, etc. 

The union bank like other financial institutions in Nigeria has put in place ways its customers can block their compromised ATM cards from the comfort of their homes.

These ways are:

  • Through SMS
  • Through USSD Code
  • Union Bank Mobile App
  • Union Bank Mobile Internet Banking
  • Customer Care Service
  • Visit any Union Bank Branch


Through SMS

Blocking your union bank ATM card through SMS is the easiest out of all. All you need to do is send a BLOCK CARD and your account number as a message on your phone to 20123. 

Ensure you send the message from the phone number linked to your union bank account. 


Through USSD Code

This method is the fastest way to block your compromised union bank ATM card. 

Dial the union bank USSD code *826*21# from your phone, then follow the prompt instruction to complete the process of blocking your ATM card. Always dial the USSD code using the mobile phone number used when opening your union bank account. 

See Also: Union bank small business loan here.


Union Bank Mobile App

Blocking ATM cards is one of the many services rendered by the union bank mobile app. The union bank app is very easy to use and operate I.e you do not need to have deep technological knowledge. 

Here, you will need a smartphone and an internet connection. Follow the steps below:

  • Download the union bank mobile app from Playstore or Appstore
  • Sign in using your username and password (Register using your card details if you are a new user)
  • After signing in, select SELF SERVICE
  • Choose the ATM card to block
  • Input your security pin
  • A code will be sent to your registered phone number, enter the code to complete the process. 

Note that you can also use the same procedure to unblock your ATM card.


Union Bank Mobile Internet Banking

You can also log in to union bank mobile internet banking to block your ATM card. Only you need to register on the online platform before you can use this method. 

To use this method, follow the steps below:

  • Open the union bank site – on your browser 
  • Log in using your username and password
  • Select block or unblock ATM card
  • Select your account
  • Input your pin
  • Enter the token sent to your phone number to complete the process


Customer Care Service

Union bank customer care service can also help in blocking your misplaced or stolen union bank ATM card. 

Information like account name, account number, etc will be asked before the process is complete.

Union bank customer service outlets are below:


Email –


Website –

Phone number

WhatsApp – 09070070001

Phone – 234-1-2716816 and 07007007000


Social media






Visit any Union Bank Branch

This should serve as the last resort. You can walk into any of the union banks closest to you to block your ATM card. 

Approach the customer care service desk, and state your request which will be done for you immediately after providing the right information. 


Frequently Asked Questions

How long does it take for the ATM to be blocked?

Answer – The ATM card will be blocked the instant you place the request.

How can I block my Union Bank ATM by SMS?

Answer – The customer has to simply type in the keyword in the format – BLOCK CARD {space} ACCOUNT NUMBER – to 20123 to block their debit card.

What should I do if my ATM card is lost?

Answer – Once you notice ‌your ATM card is missing, ‌block it immediately. 

Can an ATM card be tracked?

Answer – There is no ‌means of tracking a misplaced or stolen ATM card. The smart chip on the ATM card doesn’t work to track your ATM card. 


The introduction of ATM cards has helped the customers greatly in terms of bills payment, transfer of funds, purchase of goods and services, etc. 

I have explained ways How to block union bank ATM cards in this article which includes, SMS, USSD codes, internet banking, contacting customer support, and visiting any UBA branch. 

However, in the case of theft or misplacement of your ATM card, the next thing to do is to block the ATM card immediately.


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