Last Updated on July 1, 2024 by admin
Mobile banking has revolutionized the way Nigerians manage their finances, offering a convenient and secure alternative to traditional banking methods. With the advent of USSD codes, customers can now access various banking services directly from their mobile phones, without the need for internet connectivity or smartphone applications.
These USSD codes provide quick and easy access to services such as checking account balances, transferring funds, paying bills, and even purchasing airtime.
The simplicity and accessibility of mobile banking have made it increasingly popular among Nigerians, enabling them to conduct financial transactions anytime and anywhere.
This aims to explore the significance of mobile banking in Nigeria, highlighting its benefits and how it has transformed the country’s financial landscape.
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With recent cashless policy by central bank of Nigeria {CBN} Nigerians rely heavily on electronic transactions, especially via USSD directly from their phone
You can use this ussd code to transfer cash from one account to another, request loans from your bank, make airtime purchases and much more as your bank provider allows.
Nigeria Banking sector has key into , financial technology in delivering financial service to their customers which help the easy of doing business as Central Bank of Nigeria CBN begins the implementation of its cashless policy
Whether for Airtime purchase for friends and family– ,Transferring money as well managing finances account statement, fintech is all around us in 2023 and beyond. Nigerians would have to rely heavily on electronic transactions, especially via USSD and electronic banking
To use the USSD code for any bank transaction, you would need to activate the code on your mobile phone, using your chosen phone number. For most banks, you must have registered for a new account, or have an old bank account with them, before you can access those financial services.
Nigeria’s banking code applies to any innovation in how people transact business, from the invention of digital money at the comfort of their zone. Our content today is going to involve all Nigeria’s bank transfer code and how to use it effectively.
Importance Of Ussd Codes For Banking Transactions
USSD codes have revolutionized the way banking transactions are conducted in Nigeria. The importance of these codes cannot be overstated, as they provide a convenient and accessible means for customers to manage their finances.
Firstly, USSD codes eliminate the need for physical branch visits or internet connectivity, ensuring banking services are available to all,regardless of location or access to technology.
Secondly, these codes allow customers to carry out a wide range of transactions such as balance inquiries, fund transfers, bill payments, and airtime purchases with ease and speed.
Moreover, USSD codes enhance security by reducing the risk associated with carrying cash and providing a secure platform for financial transactions. Overall, USSD codes have simplified banking processes and made financial services more inclusive for Nigerians.
Getting started with USSD banking code
As first-timers , For most banks,you would need to activate the code on your mobile phone, using your chosen phone number before you can access those financial services. Also, you need to create your transfer PIN which serves as your security, normally 4 or 5 digits depending on your bank. This PIN would also serve as a shield to prevent impersonators or fraudsters from accessing your account
What is USSD Banking
USSD Banking is unstructured supplementary service data (USSD) which allows users without a smartphone or data/internet connection to use mobile banking through code. The USSD-based mobile banking can be used for fund transfers, checking account balance, generating bank statements, among other uses.
You can carry out transactions directly from your smartphones or feature phones easily, swift and conveniently. The fact that you also don’t need an internet connection to use these bank
Benefits of Bank USSD codes
1. Money transfer
2.Bill payment
3.Data purchase
4.Check bank balance
5. Open an account
6. Saves you the stress of queuing up in the banking Premise
You can also read: History and origin of Banking in Nigeria
So get a cup of tea and relax why i take you round the process and method using USSD code for transaction By all Nigeria Banks.
Nigerian Banks Transfer Codes
`1. Access bank USSD code *901#
2. Polaris (Skye) USSD code *833#
3. GTBank USSD code *737#
4. UBA USSD code * 919#
5. Wema bank bank USSD code *945#
6. FCMB USSD code *329#
7. Zenith bank USSD code *966#
8. Eco bank USSD code *326#
9. First Bank USSD code *894#
10. Fidelity bank USSD code *770#
11. Sterling bank USSD code *822#
12. Unity bank USSD code *7799#
13. Stanbic IBTC bank USSD code *909#
14. Heritage Bank USSD code *745#
15. Titan Trust Bank Ltd USSD code *922#
16. Standard Chartered Bank: USSD code *977#
17 Jaiz Bank Plc USSD code *773#
18 TAJBank Limited USSD code *898#
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Below are list of Banks who doesn’t have USSD code for transaction.
19.Globus Bank USSD Code -B *989# |
20.SunTrust Bank’s USSD code is *5230#.
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21.Providus Bank : Providus bank has no USSD code at the moment
22. Citibank Nigeria Limited: *898#
MICROFINANCE BANK USSD CODE
- AB Microfinance Bank USSD Code *389*755#
- .Accion Microfinance Bank USSD Code *572#
3.Fina Trust Microfinance Bank USSD Code *614*027#
4.Finca Microfinance Bank Limited USSD Code *322*342#
5.Mainstreet Microfinance Bank USSD Code *614*394#
6.Rubies Bank USSD Code *7797#
7. VFD Microfinance Bank [V Bank] USSD Code *5037#
1. All Ecobank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Check Balance | *326*0# |
| Airtime Top-Up for Self | *326*Amount# |
| Airtime Top-Up for Others | *326*Amount*PhoneNumber# |
| Transfer to Ecobank Account | *326# |
| Transfer to Other banks | *326# |
| Pay bills | *326# |
2.All GTBank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Open Account | *737*0# |
| Reactivate Account | *737*11# |
| Check balance/Account Number/BVN | *737*6*1# |
| Airtime Top-Up for Self | *737*amount# |
| Airtime Top-Up for Others | *737*Amount*Recipient’s number# |
| Data Top-Up | *737*4# |
| Transfer to GTBank Account | *737*1*Amount*NUBAN Account Number# |
| Transfer to Other banks | *737*2*Amount*NUBAN Account Number# |
| Create PIN | *737*5# |
| Enquires | *737*6# |
3.All Heritage bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Registration With Card | *745*AccountNumber*Last6DigitOfCard# |
| Registration Without Card | *745*AccountNumber# |
| Balance Enquiry | *745*0# |
| Change USSD PIN | *745*00# |
| Funds Transfer (HB) | *745*1*Amount*AccountNumber# |
| Funds Transfer (Interbank) | *745*2*Amount*AccountNumber# |
| Airtime (Self) | *745*Amount# |
| Airtime (Third Party) | *745*Amount*MobileNumber# |
| Bet9ja Top-up | *745*222*Bet9jaUserID*Amount# |
| Pay with USSD (on POS & Web) | *745*000*RefCode# |
| LCC Payment | *745*000*522+etagNo+100# |
| Block Account from any phone | *745*11# |
4.All Polaris bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Opening Account | *833*1# |
| Check balance | *833*6# |
| Airtime Top-Up for Self | *833*AMOUNT# |
| Airtime Top-Up for Others | *833*AMOUNT*PHONENUMBER# |
| Transfer to Polaris Account/Others | *833*AMOUNT*ACCOUNTNUMBER# |
| Update BVN | *833*5# |
| Pay With MasterPass | *833*7# |
| Pay bills | *833*2# |
5. All Stanbic IBTC bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Check balance | *909*1*1# |
| Airtime Top-Up for Self | *909*Amount# |
| Airtime Top-Up for Others | *909*Amount*phone number# |
| Transfer to Stanbic Account | *909*11*Amount*Account Number# |
| Transfer to Other banks | *909*22*Amount*Account Number# |
6. All Union bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Register | *826# |
| Check balance | *826# |
| Airtime Top-Up for Self | *826*amount# |
| Airtime Top-Up for Others | *826*amount*recipient’s mobile no# |
| Transfer to Union Account | *826*1*amount*account no# |
| Transfer to Other banks | *826*2*amount*account no# |
| Create PIN | *826*5# |
7. All Wema bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Check balance | *945*0# |
| Airtime Top-Up for Self | *945*Amount# |
| Airtime Top-Up for Others | *945*phone Number*Amount# |
| Transfer to Wema Account | *945*Account Number*Amount# |
| Transfer to Other banks | *945*Account Number*Amount# |
8.All Zenith bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Opening Account | *966*0# |
| Check balance | *966*00# |
| Airtime Top-Up for Self/Others | *966*Amount*Mobile Number# |
| Transfer to Zenith Account/Others | *966*Amount*Account Number# |
| Update BVN | *966*BVN# |
| Pay bills (DSTv and PHCN) | *966*7*Amount*Customer ID# |
| Pay Zenith Billers | *966*6*Biller code*Amount# |
| Reset USSD Password & PIN | *966*60# |
| Deactivate Mobile Banking Profile | *966*20*0# |
| Deactivate Account | *966*911# |
| Block Card | *966*60# |
| Other Self Service | *966*60# |
9/.All Unity bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Bet9ja Wallet funding | *7799*403*Bet9ja ID*amount# |
| Self recharge | *7799*Amount# |
| Third-party recharge | *7799*Phoneno*amount# |
| Transfer to Unitybank | *7799*1*accountno*amount# |
| Transfer to Other banks | *7799*2*accountno*amount# |
| Balance enquiry | *7799*0# |
| BVN verification | *7799*5# |
| Block account | *7799*9*phone number# |
| USSD on POS | *7799*000*RefID# |
| Cardless withdrawal | *7799*8*Amount# |
10.All ALAT bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Check balance | *945*0# |
| Airtime Top-Up for Self | *945*Amount# |
| Airtime Top-Up for Others | *945*phone Number*Amount# |
| Transfer to ALAT Account | *945*Account Number*Amount# |
| Transfer to Other banks | *945*Account Number*Amount# |
11.All Fidelity bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Check Balance | *770*0# |
| Airtime Top-Up for Self | *770*AMOUNT# |
| Airtime Top-Up for Others | *770*PHONE*AMOUNT# |
| Transfer to Fidelity Account | *770*ACCOUNT*AMOUNT# |
| Transfer to Other banks | *770*ACCOUNT*AMOUNT# |
| Pay bills | *770# |
| ATM cardless withdrawal | *770*8*AMOUNT# |
| Change PIN | *770*00# |
| Update BVN | *770*02# |
| Block Card | *770*911# |
| Block Phone from USSD Banking | *770*911*08012345678# |
| Block Account from USSD Banking | *770*08012345678# |
| Choose SMS and Email Alert |
*770*2#
|
13.All FCMB USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Check Balance | *329*00# |
| Airtime Top-Up for Self | *329*Amount# |
| Airtime Top-Up for Others | *329*Amount*Mobile number# |
| Transfer to FCMB Account/Others | *329*Amount*Account number# |
| Reset PIN | *329*0# |
| Buy Data | *329*1*Mobile Number# |
| Pay bills (DSTv & GOTv) | 329*2*Amount*Smartcard Number# |
| Pay Electricity Bill | *329*3*Amount*Meter No# or *329*3*Amount*AccountID# |
| Block USSD Profile or Block Bank Account | *329*911# |
14.All First bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
| Register for First Bank USSD Banking | *894*0 |
| Airtime Recharge for Self | *894*Amount# |
| Airtime Recharge for Others | *894*Amount*Phone Number# |
| For Transfer | *894*Amount*Account Number# |
| Transfer to First Account/Other | *894*Amount*Account Number# |
| For Mini-Statement | *894*Account Number# |
| To Check Balance | *894*00# |
| For Account Opening | *894*0# |
| To Deactivate Your Mobile Number | *894*911# |
15. All Keystone bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
| Registration | *7111*0# |
| Check balance | *7111*1# |
| Pay bills | *7111*2# |
| Mobile Data | *7111*5# |
| Check account balance | *7111*00# |
| Recharge your phone | *7111*Amount# |
| Recharge for others | *7111*Amount*Phone Number# |
| Send Money | *7111*Amount*Nuban Account Number# |
| Activate Debit Card: | *7111*9*123# |
| Change default Top-up Account: | *7111*AcctNo# |
| Panic Code | *7111*911# |
16. All Sterling bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Register for USSD Service | 822*1*NUBAN# |
| Check balance | *822*6# |
| Check Account Number | *822*8# |
| Airtime Top-Up for Self | *822*Amount# |
| Airtime Top-Up for Others | *822*Amount*Phone Number# |
| Transfer to Sterling Account | *822*4*Amount*Account Number# |
| Transfer to Other banks | *822*5*Amount*Account Number# |
17.All UBA USSD codes for mobile banking
Transaction Type |
USSD Banking Code |
|---|---|
| Check balance | *919*00# |
| Airtime Top-Up for Self | *919*Amount# |
| Airtime Top-Up for Others | *919* Phone number* Amount# |
| Transfer to UBA Account | *919*3*account number*amount# |
| Load UBA Prepaid Card | *919*32# |
| Transfer to Other banks | *919*4*account number*amount# |
| Pay bills | *919*5# |
| ATM cardless withdrawal | *919*30*Amount# |
18.All Access bank USSD codes for mobile banking
Transaction Type |
USSD Banking Codes |
|---|---|
| Open An Account/Change PIN/Registration | *901*0# |
| Check Balance | *901*00# |
| Airtime Top-Up for Self | *901*Amount# |
| Airtime Top-Up for Others | *901*Amount*Phone Number# |
| Transfer to Access Account | *901*1*AMOUNT*NUBAN Account Number# |
| Transfer to Other banks | *901*2*AMOUNT*NUBAN Account Number# |
| Pay bills | *901*3# |
| Deactivate Account | *901*911# |
