Lists all Nigeria banks whatsapp banking:How to Transfer Money,buy airtime ,generate statement of account & bills payment

Last Updated on May 29, 2025 by admin

In recent years, Nigeria has experienced an incredible transformation in its banking sector, thanks to the rise of WhatsApp banking. This fresh approach has completely changed how Nigerians handle their financial transactions and manage their accounts.

WhatsApp, a popular messaging platform used by millions of Nigerians, has become more than just a means of communication; it has become a gateway to banking services.

With WhatsApp banking, customers can easily access their bank accounts, make transactions, and get help from their banks—all through the messaging app

Just a few taps on their smartphones allow Nigerians to check their account balances, transfer money, pay bills, and even apply for loans without stepping foot in a physical bank branch.

This groundbreaking service not only saves time but also makes financial services more accessible to people all over Nigeria.

As result banks like UBA, GTBBank.access bank,first bank, FCMB, Fidelity bank and others have gone wider to introduce whatsapp and facebook banking in other to provide service to their numerous customers via their smart phone.

By leveraging the WhatsApp Business Solution, Nigerians can enjoy the best ways to bank from the comfort of their homes. This means banking doesn’t have to be dull; transactions can be simple, easy, and quick—just like having a chat!

You can also read: How to Check GTBank Account Balance, statement of account and Create 737 PIN

Table of Contents

What Is WhatsApp Banking Service?

WhatsApp Banking Service is a modern approach to banking that leverages the popular messaging platform, WhatsApp, to provide a range of banking services. This service allows users to perform various banking tasks such as checking account balances, viewing transaction history, and initiating fund transfers directly through the app

Many banks integrate WhatsApp into their digital platforms to provide secure, convenient, and real-time banking. Users can initiate fund transfers and make payments without needing to visit a bank branch or use a separate banking app

What is the benefit of Whatsapp banking.

• Transfers
• Airtime and Bills Payment
• Balance enquiry
• BVN enquiry
• Statement Generation

we are going to take a look of all Nigeria banks that make use WhatsApp as medium of service to their customers.

How does WhatsApp banking work?

WhatsApp Banking allows customers to perform banking transactions and access financial services directly through WhatsApp, making banking more convenient and accessible. Here’s how it works:

1.Customers start by saving your bank’s official WhatsApp banking number to your contacts. messaging their bank’s official WhatsApp number.

2. Then, you initiate a chat by sending a “Hi” or “Hello.”

3. The bank’s chatbot will present you with a menu of options, and you can interact by typing commands or selecting from the provided options.

4.Some banks may require a one-time registration or linking of your bank account to your registered mobile number.

5. Select a Service – Users can choose from various banking options, such as checking balances, transferring funds, or paying bills.

6. Follow Prompts – The chatbot or live agent guides users through the transaction process.

7. Confirm Transactions – Users may need to enter a PIN or password to authorize payments.

8.Receive Confirmation – A receipt or confirmation message is sent after completing the transaction

What services can I access through WhatsApp banking?

The services offered vary by bank, but common features include:

Account balance inquiry
Mini-statements or transaction history
Fund transfers (to own accounts or other beneficiaries)
Bill payments (utilities, airtime, data, etc.)
Cheque book requests
Blocking/unblocking debit/credit cards
Locating ATMs and branches
Information on loan products and interest rates
Customer support and complaint lodging
Account opening (in some cases)
Receiving personalized notifications and updates

1. How to use WhatsApp on gtbank for transaction

1.To use WhatsApp for transactions with GTBank, customers need to save the official GTBank WhatsApp number +234 904 000 2900 on their phone link to the bank

2.Once saved, they can initiate a chat with the bank by sending a message HI.

3.The bank’s automated system will guide the customer through the available services and how to access them.

4.This process is designed to be user-friendly and efficient, ensuring that customers can easily navigate the services offered

5. All service requests will be treated instantly, depending on the internet connection of the user.

2.How to use WhatsApp on UBA for transaction

1.To begin using WhatsApp for banking transactions with UBA, you must first ensure that you have the WhatsApp application installed on your phone and an active internet connection.

2.The next step is to add the UBA WhatsApp Banking number, +234 903 001 0007 to your contacts link to UBA account, preferably saving it as ‘Leo’ or ‘Leo UBA’.

3.Once this is done, open WhatsApp, refresh your contact list, and start a chat with the saved contact.

4.Initiate the conversation by sending ‘Hi’ and follow the prompts to accept the terms and conditions. then check account balance and many more financial service.

3. How to use WhatsApp on First Bank for transaction

WhatsApp banking with First Bank offers a convenient way for customers to manage their finances directly from their mobile devices. By using WhatsApp, customers can perform a variety of transactions such as checking their account balance, sending money, paying bills, purchasing airtime, and buying data.

This service is designed to provide ease of access and flexibility for users who prefer digital banking solutions

1.To begin using WhatsApp banking with First Bank, customers need to add FirstBank WhatsApp number 08124444000 to their number link to the bank .

2.It is important to ensure that the WhatsApp number used is the same as the one registered with the bank. Once added, customers can initiate the service by sending a message saying ‘Hi’.

3.This will allow them to proceed with setting up their WhatsApp banking PIN, which is essential for securing their transactions.

4. How to use WhatsApp on Union Bank for transaction

Union Bank offers a convenient way to manage your banking transactions through WhatsApp.

1.To get started, you need to save the official Union Bank WhatsApp number, +2349070070001, in your contacts.

2.Make sure the account has a green tick to verify its authenticity. Once saved, open WhatsApp and send a ‘Hi’ message from your registered mobile number linked to your Union Bank account.

3.This initiates the process of setting up your WhatsApp banking service.

4.Then start fund transfer, buying airtime and bills payment and many more financial transaction.

5. How to use WhatsApp on Fcmb for transaction

First City Monument Bank (FCMB]WhatsApp banking allows customers to log failed transactions and receive assistance directly through the messaging app. This service is designed to streamline the process of handling transaction issues, making it more accessible and user-friendly.

To begin, customers need to initiate a chat with FCMB on WhatsApp . The whatsapp number (+234) 090 999 99814 or (+234) 090 999 99815. This service is designed to streamline the process of handling transaction issues, making it more accessible and user-friendly.

6. How to use WhatsApp on Fidelity Bank for transaction

Fidelity Bank WhatsApp allow customers to perform banking transactions through WhatsApp platform. This service allows users to conduct various transactions such as fund transfers, bill payments, airtime top-ups, and more, directly from their mobile devices.

1.To get started, customers need to save fidelity bank TrueServe on whatsapp +2349030005252 to their phone to ensure that their phone number is registered with the bank, as the service is only available to registered numbers. Once registered, users can send instructions via WhatsApp to initiate transactions, making banking more accessible and efficient

2.To set up WhatsApp banking with Fidelity Bank, you must be a personal account holder or a sole proprietor. The registration process involves linking your phone number with the bank, which is essential for accessing the service.

3.After registration, you can begin using WhatsApp to manage your banking needs.

You can also read:Access Bank WhatsApp banking: How to use it Transfer Money,Pay Bills,buy Airtime AND balance enquiry

7. How to use WhatsApp on Unity Bank for transaction

By using WhatsApp, Unity Bank customers can access a range of banking services such as checking account balances, generating mini statements, and viewing detailed account information. The service is available 24/7, even on holidays, providing users with the flexibility to conduct transactions at their convenience.

1. To start using WhatsApp for banking transactions with Unity Bank, you need to add Unity Smart Banking WhatsApp number 08099152315 to your contacts.

2.Once added, send a ‘Hi’ message via WhatsApp using your registered mobile number. This will initiate the registration process, where you will be asked to confirm whether you are an existing or new customer.

8.How to use WhatsApp on Sterling Bank for transaction

The sterling bank whatsapp banking allow customers to perform banking transactions through WhatsApp. This service allows users to conduct various transactions such as bank transfers, airtime top-ups, bill payments, balance inquiries, BVN inquiries, and statement generation.

1.To begin using WhatsApp banking with Sterling Bank, customers need to save the number +234 906 000 6449 as a contact on their phone. Once saved, they can open WhatsApp and send a message to this number to initiate the banking services

2: Once the number is saved on your phone, start a conversation by saying “Hi”, “Hey”, etc.

9. How to use WhatsApp on Access Bank for transaction

Access Bank has integrated WhatsApp into its banking services, allowing customers to perform various transactions directly through the messaging app. This service is designed to provide convenience and accessibility, enabling users to manage their banking needs without visiting a branch or using traditional online banking platforms.

To begin using WhatsApp banking with Access Bank, customers must first add the mobile number +234 9090 901 901 to their phone contacts.

This step is crucial as it establishes the connection between the customer and the bank’s WhatsApp service. Once the number is saved, customers should send a message saying ‘Hi’ to activate the service.

It is important to note that the phone number used must be the one registered with the customer’s personal bank account to ensure security and proper identification

Once the WhatsApp banking service is activated, customers can perform a variety of transactions. These include checking their account balance, viewing transaction history, and transferring funds. Additionally, customers can display their Bank Verification Number (BVN), request a payday loan, and even open a new account.

10.How to use WhatsApp on Zenith Bank for transaction

Zenith Bank offers WhatsApp Banking through its virtual assistant, ZiVA, allowing customers to perform transactions conveniently. Here’s how you can use it:

To get started, customers need to add Zenith Bank’s verified WhatsApp number, 07040004422, to their mobile device.
Once added, they must agree to the legal terms of use to ensure compliance with banking regulations.
Open WhatsApp – Start a chat with ZiVA by sending “Hi”.
Select a Service – Choose from options like fund transfers, bill payments, balance inquiries, and account management.
Follow the Prompts – ZiVA will guide you through the transaction process.
Confirm with Your PIN – Enter your banking PIN to authorize transactions securely.

ZiVA allows you to pay bills, buy data, transfer funds, check balances, block cards, freeze accounts, and more

11. How to use WhatsApp on Wema Bank for transaction

Wema Bank offers WhatsApp Banking, allowing customers to perform transactions conveniently through WhatsApp. Here’s how you can use it:

Save Wema Bank’s WhatsApp number – Add 09044411010 to your contacts.
Open WhatsApp – Start a chat with Wema Bank’s WhatsApp Banking service.
Send a command – Type a request like “Check Balance”, “Transfer Money”, or “Pay Bills”.
Follow the prompts – The chatbot will guide you through the transaction process.
Confirm with your PIN – Enter your banking PIN to authorize transactions securely.