Bank Codes In Nigeria: Nigerian Bank Transfer Codes

Bank Codes In Nigeria

With the push of a few buttons on your phone, you can carry out numerous bank transactions on your phone with no need for internet connection. That is the power of the Bank USSD code for mobile banking. Today, we are going to list all Bank codes in Nigeria or all Nigerian bank transfer codes and how to use them.

With the advancement of technology, life has become a lot easier for us in so many ways. In the banking sector, we no longer need to go and queue up in the banking hall looking to send a certain amount of money to our loved ones and even to pay bills.

Since the introduction of the Unstructured Supplementary Service Data (USSD) by Nigerian banks, we can now carry out simple and complex bank activities and transactions on any phone without the internet.

READ ALSO: All Nigerian bank BIC (SWIFT) Codes

In this part of the world, many people do not have access to any form of internet connection. Thanks to the Nigerian Bank USSD codes, one can now use any kind of phone to carry out bank transactions even in the villages without fuzz. Good a thing, all Nigeria’s commercial banks support USSD transactions.

The Nigerian bank transfer code is available for everyone; both those with current account and those that operate savings account. This article on bank codes in Nigeria is going to list all the Nigerian bank USSD code as well as how to use the codes for bank transactions of various types.

What is bank USSD Code or Bank Transfer Code?

The USSD Code or Bank transfer code is a unique code which every bank has that enables its customers, to carry out transactions using their mobile phones without internet.
It provides a fast, convenient, efficient and secure way to access your bank account 24/7 with any type of mobile phone you are using. It usually starts with * and ends with #. example *919# for UBA.

To use the Bank USSD codes, all you need is to dial the USSD code on your phone that contains the number registered with the account and follow the instructions on your phone screen to complete your transaction.

What Can you Do With Bank Transfer Codes in Nigeria?

The following transactions can be carried out with Bank codes in Nigeria. However, you should know that there are a few differences among Nigerian banks regarding which transactions can be carried out using the Bank USSD code though the basic ones are available for every bank in Nigeria.

  1. Top up your mobile airtime both for you and others
  2. Buy data
  3. Cable TV
  4. Checking your account balance
  5. Money transfers
  6. Bill payments
  7. Reset Pin
  8. Open account
  9. Checking Cheque status
  10. Get salary advance
  11. Check loan balance
  12. Generate Token
  13. Cash deposit
  14. Cash Withdrawal
  15. etc

How To Use Bank Codes In Nigeria

Note: If you are using the bank USSD for the first time, you are going be asked to set up a security PIN for yourself. This code is what you will use whenever you are carrying out any USSD transaction to approve or cancel transactions.

On the other hand, Some banks may just ask you to provide the last 4 – 6 digits of your debit/ATM card number as your USSD PIN.

1. Enter the USSD code of your bank and dial it. The number must be the one associated with your account.

2. Follow the instructions on your screen to carry out your transaction.

List Of All Bank Codes In Nigeria

The table below contains a full list of all Nigeria Bank Transfer Codes.

Name of Bank Bank Codes in Nigeria
Access Bank *901#
EcoBank *326#
Fidelity Bank *770#
First Bank *894#
First City Monument Bank (FCMB) *329#
Guaranty Trust Bank (GTB) *737#
Heritage Bank *322*00#
JAIZ Bank *389*301#
Keystone Bank *7111#
Polaris Bank *833#
Stanbic IBTC Bank *909#
Sterling Bank *822#
United Bank for Africa (UBA) *919#
Union Bank  *826#
Unity Bank *7799#
Wema Bank *945#
Zenith Bank *966#

All Nigeria Bank Transfer Codes and How To Use Them

GTBank USSD Code

The GTBank Transfer code is *737#. GTBank has one of the best services attached to their USSD code some of which we have listed below.

GTB Transfer Code And Uses

GTB general Transfer code*737#
Open Account *737*0#
Reactivate your account *737*11#
Fund transfer to GTbank *737*1*Amount*NUBAN Account Number#
Fund transfer to other bank *737*2*Amount*NUBAN Account Number#
Airtime top-up for self *737*amount#
Airtime top-up for friend 737*Amount*Recipient’s number#
Data top-up *737*4#
Check bank balance *737*6*1#
Check BVN number *737*6*1#
Enquiries *737*6#
Generate OTP *737*7#
Bills Payment Menu *737*50#
Card Status *737*6*3#
Chequebook Status *737*6*4#
Mini Statement *737*51*30#
Cable TV *737*SmartCardNo#
For More
Dial *737#

Jaiz Bank USSD Code

JAIZ bank is one of the non-interest banks in Nigeria. One of the bank codes in Nigeria is from JAIZ Bank. However, Jaiz bank USSD code if only for Airtime top-up for now. The JAIZ Bank Transfer code is as given below:


Top-up your phone with N1,000, dial *389*301*1000#.

Access Bank Transfer Code And Uses

Access bank USSD code is *901#. The bank offers a good number of services on its USSD platform. However, you must first of all register and it must be an account with a single signatory. See the full list of Access bank transfer code and how to use it below.

USSD Service USSD Short CodeCharges
Airtime for self*901*Amount#free
Airtime for others*901*Amount*Phone Number#free
Account Opening*901*0#free
Data Purchase*901*8#free
Balance Enquiry*901*5#free
Fund Transfer to Access Bank*901*1*Amount*Account Number#free
Fund Transfer to Other Banks*901*2*Amount*Account Number# N80+N4.00(VAT)
Merchant Payment*901*3*Amount*Merchant Code#free
Bill Payment*901*3#free
OTP Generation*901*4*1#free

First Bank Transfer Code And Uses

First Bank of Nigeria USSD code is *894#. As one of the foremost commercial banks in Nigeria, First bank has a well-loaded USSD service available to their customers. You must, first of all, get registered to be able to use First bank transfer code. Not to worry, the registration is very simple. To activate the first bank USSD service:

  • Simply dial *894*0#
  • Select your preferred debit card from the list displayed on your phone screen
  • Enter the 4-digit Personal Identification Number (PIN) for the selected debit card
  • Create a new 5-digit PIN
  • You are good to go. You can start using First bank USSD banking on the fly.

First Bank Transfer Codes

ServiceUSSD Short Code To Dial
Activation *894*0#
Airtime Recharge for self*894*Amount#
Airtime Recharge for Others *894*Amount*Phone number#
Check Balance *894*00#
Fund Transfer *894*Amount*account number#
Open Account *894*0#
Mini Statement *894*account number#
General Code*894#

Zenith Bank Transfer Code And Uses

Zenith Bank is one of the modern and innovative banks in Nigeria. Next on our list of bank codes in Nigeria is Zenith Bank USSD CODE or Zenith bank Transfer code. Zenith Bank USSD code is *966*0#

Zenith Bank USSD Code and Uses

Open Zenith Bank Account *966*0#
Check Account Balance *966*00#
Buy Airtime and Date for self *966*Amount*Mobile Number#
Top up airtime and data for Others *966*Amount*Mobile Number#
Transfer Money *966*Amount*Account Number#
Pay DStv, Electricity and other Zenith Billers *966*6*Biller code*Amount#
Update BVN *966*BVN#
Mobile Banking, USSD Password and Pin reset *966*60#
Deactivate Zenith Mobile banking *966*20*0#
Deactivate Account (Protect Code) *966*911#

Other Zenith Bank USSD code Services are;

Retrieve card PIN Dial *966*60# and select option 4.  
  Block Card   Dial *966*60# and select option 6.  
To create and cancel a cardless withdrawal code   Dial *966*60# and select the option 7.  
  ● Select preferred USSD account to debit Dial *966*60# and select option 8  
  ● Perform transaction above N100k via USSD   Dial *966*60# and then select option to sign an indemnity.
● Activate Agent Banking activities i.e cash in and cash out    Dial *966*66# and follow the on screen prompt.
  ● Perform USSD on POS     Dial *966*000# and enter your POS Reference code.

Wema Bank Transfer Code and Uses

Wema Bank Transfer Code is *945#. The service is loaded with great mouth-watering services for its customers. To activate Wema transfer code simply dial *945#. The table below has a full list of services on WEMA bank USSD code.

Open Account *945*1#
Buy Airtime *945*phone Number*amount#
Send Money *945*beneficiaryaccountnumber*amount#
Balance Enquiry *945*0#
Change PIN *945*00#
Get  your Account Number *945*000#
Change account number *945*2*oldaccountnumber*newaccountnumber#
Account Reactivation *945*5#
Send Money to phone/email *945*6*amount#
Receive/ redeem money *945*7*confirmationnumber*amount#
Cash-on-the-Go *945*8*amount#
Remita Payment *945*9*RRR#
Card Control *945*11*last four digits of card pan number#
Pay-with-Mobile *945*12*amount#
Generate OTP *945*15#
DSTV Subscription *945*16*smartcardnumber#
Receive Western Union *945*14*MTCN*amount#
GoTV Subscription *945*17*smartcardnumber#
Startimes Payments *945*18*smartcardnumber*amount#
EKO AND IKEJA DISCO *945*19*metrenumber*amount#
Smile Subscription Payments *945*20*idnumber#
Swift4GBroadband subscription *945*21*idnumber*amount#
Merchant Payment *945*22*MERCHANTCODE*amount#
LCC PAYMENT *945*23*LCC account number*AMOUNT#

Keystone Bank USSD Code

The Keystone bank mobile banking code or USSD Code is *7111*0# . While Keystone bank USSD code is not as loaded as some other banks, it offers a handful of services to their esteemed customers. The table below contains a full list of

Register *7111*0#
Balance Enquiry *7111*1#
Mobile Recharge Self *7111*AMOUNT#
Mobile Recharge for Others *7111*AMOUNT*PHONE NUMBER#
Transfer *7111*AMOUNT* ACCOUNT NO#
Bills Payment *7111*2#

READ ALSO: All Nigerian bank BIC (SWIFT) Codes

Union Bank USSD Code | Union Bank Transfer Code and Uses

Union Bank USSD transfer code is *826#. The Union Bank USSD code provides an easy, convenient, and secure do it yourself banking options. The full list of Union bank USSD code and available services on the USSD channel is as given in the table below.

Union Bank USSD Services Short Codes
Register *826#
Balance Enquiry *826*4#
Mobile Recharge Self *826*AMOUNT#
Mobile Recharge Others *826*AMOUNT*PHONE NUMBER#
Transfer To Union Bank Account *826*1*AMOUNT* ACCOUNT NO#
Transfer To Other Banks *826*2*AMOUNT* ACCOUNT NO#
Create pin *826*5#
Make Cardless Withdrawal *826*7*AMOUNT#

Polaris Bank USSD Code | Polaris Bank Transfer Code

The Polaris Bank USSD code is the next on our list of bank codes in Nigeria. Polaris Bank bank USS code is *833#. There are a bunch of things you can do with your Polaris Bank Transfer Code code as can be seen in the table below.

How to Activate Polaris Bank USSD Code

  • Dial *833# from your registered line
  • Follow the prompts to enter your account Number
  • Enter any 4 digit number to be used as a PIN
  • Balance is displayed
  • You are now registered for *833# Smart Banking
Polaris Bank USSD ServicesUSSD Short code
Activate Polaris Bank USSD Code Dial *833# from your registered line and follow the instructions on your screen
Open Polaris Bank Account *833*1#
Pay Bills *833#
Transfer Money *833*Amount*Account Number#
Check Balance *833*6#
Top-up airtime for self *833*AMOUNT#
Top-up airtime for others *833*AMOUNT*PHONENUMBER#
Block ATM Card *833*4#
Pay With Masterpass *833*7#
Access other services *833#

EcoBank USSD Code | EcoBank Transfer Code and Uses

Next on our list of Bank Codes In Nigeriis the EcoBank USSD Code. Ecobank Transfer code is *326#.

  • How to Transfer Money with Ecobank USSD: Dial *326 # and follow the on-screen instructions
  • To top-up airtime for yourself or another person: Dial *326*1*Amount#
  • Other services: Dial *326#

Other Bank Codes in Nigeria

FCMB USSD Code | FCMB Transfer Code and Uses

FCMB USSD code is *329#. Like other new-generation banks, it is loaded with mouth-watering services as you can see below.

ServicesShort Code
Top-up your mobile phone *329*Amount#
Top-up other mobile phonse *329*Amount*Mobile number#
Check balance *329*00#
Transfer Money *329*Amount*Account number#
Reset PIN or reset/create transaction code *329*0#
Buy data on any phone *329*1*Mobile Number#
Pay for DSTv or GOTv subscription. *329*2*Amount*Smartcard Number#
Block card *329# and select Block card
Block Account*329# and select block account
Other services*329# and follow the instructions on your screen.

Sterling Bank USSD Code And Uses

*822# is Sterling Bank USSD Code. With the sterling bank transfer code, you can carry out a host of services on your Sterling bank account as listed below.

ServicesUSSD Code
Buy Airtime for self *822*AMOUNT#
Buy airtime for others *822*AMOUNT*PhoneNumber# 
Transfer Funds *822*Amount*AccountNumber# 
Pay Bills *822*BillerCode*UniqueCode*Amount# or *simply *822*2# to see different billers.
Make Cardless Withdrawal *822*42# 
Manage your Debit card *822*19#
Reset Pin *822#, select Pin Reset
Check Account Balance *822*8# or *822*6#
Open Account *822*7#
Make Payment to Merchants *822*28*AMOUNT*MERCHANTCODE# – For Sterling registered Merchants
*822*000*RefNo# – For Coral Pay registered Merchants
*822*22*Sellercode*Amount# – For MCash Merchants
Make LCC toll payments *822*15#

UBA USSD CODE | UBA Transfer code

UBA’S USSD code is *919# and it is one of the most widely used bank codes in Nigeria.

ServicesUSSD Short Code
Check UBA account balance *919*00#
Airtime top-up for self *919*Amount#
Airtime top-up for others *919*Amount*Phone number#
Transfer Funds *919*3#
Transfer Funds to other banks *919*4#
Reset Pin *919*8#
Other Services *919# and follow the instructions on their screen

Stanbic IBTC Bank USSD Code

The Stanbic IBTC USSD Code is *909*Amount#. You can use the Stanbic IBTC USSD code to carry out a variety of activities on your Stanbic IBTC bank account as you can see below.

ServiceUSSD Short Code
Buy Airtime for Self Dial *909*Amount#
Buy Airtime for Others *909*Amount*phone number#
Transfer Funds to Stanbic IBTC Account *909*11*Amount*Account Number#
Transfer Funds to Other Banks *909*22*Amount*Account Number#
Check Account Balance *909*1*1#
Other Services *909#

Unity Bank USSD Codes | Unity Bank Transfer Code

The Unity Bank USSD Code is *7799#. Unity bank transfer code is *7799# and you follow the on-screen instructions.

ServiceUSSD Short Code
Airtime Purchase for yourself *7799*AMOUNT#
Bank Transfers *7799#, then choose Transfer options
Airtime Purchase for another phone number *7799*PHONE NUMBER*AMOUNT#
Balance Enquiry *7799#, Choose balance enquiry option
Others Dial *7799# and follow the instructions on your screen

Heritage Bank USSD Code

Heritage Bank USSD code is *322*030#. The Heritage bank transfer code is *322*030*ACCOUNTNUMBER*AMOUNT#

To transfer money to Heritage Bank and other Bank accounts, dial *322*030*ACCOUNTNUMBER*AMOUNT#

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