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.
- Top up your mobile airtime both for you and others
- Buy data
- Cable TV
- Checking your account balance
- Money transfers
- Bill payments
- Reset Pin
- Open account
- Checking Cheque status
- Get salary advance
- Check loan balance
- Generate Token
- Cash deposit
- Cash Withdrawal
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|
|First City Monument Bank (FCMB)||*329#|
|Guaranty Trust Bank (GTB)||*737#|
|Stanbic IBTC Bank||*909#|
|United Bank for Africa (UBA)||*919#|
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#|
|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#|
|Check bank balance||*737*6*1#|
|Check BVN number||*737*6*1#|
|Bills Payment Menu||*737*50#|
|For More|| |
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 Code||Charges|
|Airtime for self||*901*Amount#||free|
|Airtime for others||*901*Amount*Phone Number#||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|
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
|Service||USSD Short Code To Dial|
|Airtime Recharge for self||*894*Amount#|
|Airtime Recharge for Others||*894*Amount*Phone number#|
|Fund Transfer||*894*Amount*account number#|
|Mini Statement||*894*account number#|
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
|USSD SERVICE||USSD CODE TO DIAL|
|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#|
|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;
|USSD SERVICE||Short Code|
|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.
|Buy Airtime||*945*phone Number*amount#|
|Get your Account Number||*945*000#|
|Change account number||*945*2*oldaccountnumber*newaccountnumber#|
|Send Money to phone/email||*945*6*amount#|
|Receive/ redeem money||*945*7*confirmationnumber*amount#|
|Card Control||*945*11*last four digits of card pan number#|
|Receive Western Union||*945*14*MTCN*amount#|
|EKO AND IKEJA DISCO||*945*19*metrenumber*amount#|
|Smile Subscription Payments||*945*20*idnumber#|
|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
|Mobile Recharge Self||*7111*AMOUNT#|
|Mobile Recharge for Others||*7111*AMOUNT*PHONE NUMBER#|
|Transfer||*7111*AMOUNT* ACCOUNT NO#|
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|
|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#|
|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 Services||USSD 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#|
|Transfer Money||*833*Amount*Account Number#|
|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.
|Top-up your mobile phone||*329*Amount#|
|Top-up other mobile phonse||*329*Amount*Mobile number#|
|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.
|Buy Airtime for self||*822*AMOUNT#|
|Buy airtime for others||*822*AMOUNT*PhoneNumber#|
|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#|
|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.
|Services||USSD 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 to other banks||*919*4#|
|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.
|Service||USSD 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.
|Service||USSD 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#