Union Bank Sort Code in Nigeria Is on Your Cheque Leaf

Every Union Bank sort code begins 032, and the next two digits name the state: 032 15 for a Lagos branch, 032 08 for Abuja, 032 21 for Rivers, which takes in Port Harcourt. The last four digits belong to the branch, so no one code covers a whole city.

Those last four are the hard part. Union Bank does not publish its branch sort codes anywhere we could read, and neither does the Central Bank of Nigeria (CBN) or the Nigeria Inter-Bank Settlement System (NIBSS). The ones you can rely on are on your own cheque leaf or come from the bank, and a wrong code on a form does more harm than a missing one.

Reading it off a Union Bank cheque

The CBN’s guidelines put a line of numbers in magnetic ink near the bottom of every leaf. It can carry the bank’s routing number, the account number and the cheque number. The group you want has nine digits and begins 032.

Union Bank’s contact centre and branches

With no cheque book, ask. Union Bank’s online banking help page gives its contact centre as +234-1-2716816 or 07007007000, and [email protected] for email. Have the account number to hand and ask for the sort code of your account’s branch. That is the branch where the account is kept, which may not be the nearest one. You can also ask there in person: Union Bank’s ATM and branch locator has the address.

We found no Union Bank page saying that its app or its USSD menu shows the sort code.

A closed or moved branch means the same call. Do not reuse its old code from memory or from a list: ask which branch holds your account now, and what that branch’s code is.

Titan Trust accounts after the merger

On 1 September 2025 the bank announced that its merger with Titan Trust Bank was complete, with the CBN’s approval. The combined bank trades as Union Bank, carried on the CBN’s list of commercial banks as Union Bank of Nigeria Plc, and Titan Trust Bank no longer exists as a separate bank. Union Bank said then that it had more than 293 service centres across the country.

An account that came over from Titan Trust Bank gets the same treatment. Ask Union Bank for the sort code of the branch that holds the account now.

Testing a code someone hands you

The CBN’s standards on bank account numbers fix the format, in this order:

1. Three digits for the bank, assigned by the CBN. Union Bank’s is 032, in the CBN’s own paper on the account-number scheme.
2. Two digits for the state the branch is in.
3. Three digits for the branch.
4. One check digit, worked out from the other eight by a set formula.

So 032 alone is the bank code, not the sort code. Your account number is another thing altogether: ten digits, and yours rather than the branch’s.

A code with the wrong state in it deserves suspicion. In a circular of 7 November 2018 the CBN told every bank and NIBSS that each branch’s code must carry its own state’s code, and that banks which kept using another state’s would be sanctioned. Lists still copied around the internet show Union Bank’s Yenagoa branch with Rivers’ state code, and its Lafia and Karu branches with Plateau’s. Those had to change, and a code that was right before November 2018 may have been replaced since, with nobody outside the bank able to say which.

A code that passes has only cleared the obvious mistakes. It may still be wrong.

State digits from the CBN

These are the fourth and fifth digits of a sort code, as set out in the circular.

Our pages on Ecobank, Sterling Bank and FCMB cover those banks.