Last Updated on November 30, 2025 by admin
In Nigeria, mobile banking has revolutionized the way individuals conduct financial transactions, and USSD (Unstructured Supplementary Service Data) codes play a pivotal role in this transformation.
With the majority of the population possessing mobile phones, USSD codes offer a quick, accessible, and efficient means to perform various banking operations without the need for internet connectivity.
Nigerians can check account balances ,transfer funds and paying bills, these codes have become an essential tool for millions of accountholders .
This article delves into the landscape of USSD banking in Nigeria, providing an overview of the available codes, their significance, and essential tips for ensuring secure and efficient banking experiences.
Read: How to contact Central Bank of Nigeria {CBN }Email, Phone & Branches
Significance of Bank USSD Codes
Bank USSD codes are significant because they allow customers to perform financial transactions quickly and securely without internet access or smartphones. They make banking more inclusive, especially in regions where mobile data or advanced devices are limited.
- Financial Inclusion: USSD codes bridge the gap for people without smartphones or internet, enabling them to bank using basic mobile phones
- Accessibility: They work across all mobile networks and don’t require apps or data bundles.
- Convenience: Customers can check balances, transfer money, buy airtime, pay bills, and even block/unblock accounts instantly
- Security: Transactions often require PINs or authentication, making them safer than carrying cash.
- Speed: USSD transactions are processed in real time, reducing delays compared to visiting a bank branch.
- Cost-effectiveness: They save transport costs and time, especially for rural populations.
Uses of Bank USSD Codes
- Money Transfers
- Send funds to other accounts within the same bank or to different banks.
- Transfer to mobile wallets or fintech platforms.
- Airtime & Data Purchase
- Buy airtime for yourself or others directly from your bank account.
- Purchase mobile data bundles instantly.
- Bill Payments
- Pay electricity, water, cable TV, and other utility bills.
- Handle school fees or government levies.
- Account Management
- Check account balance.
- View mini-statements or transaction history.
- Block or unblock your account/card if stolen or compromised.
- Loan & Savings Services
- Apply for micro-loans or salary advances.
- Open savings accounts or set up target savings.
- Merchant & Service Payments
- Pay for goods and services at shops or online platforms using USSD.
What Is a Commercial Bank in Nigeria?
A commercial bank in Nigeria is a financial institution licensed by the Central Bank of Nigeria (CBN) to provide core banking services such as accepting deposits, granting loans, facilitating payments, and offering foreign exchange services.
Key Definition
- Commercial banks are part of Nigeria’s regulated financial system.
- They operate under the Banks and Other Financial Institutions Act (BOFIA) and must obtain a license from the CBN.
- Their primary role is to serve individuals, businesses, and government entities by providing financial intermediation — channeling funds from depositors to borrowers
Functions of Commercial Banks in Nigeria
Commercial banks in Nigeria perform essential functions such as accepting deposits, granting loans, facilitating payments, and supporting economic growth.They are the backbone of the country’s financial system, serving individuals, businesses, and government institutions
- Deposit Mobilization
- Accept savings, current, and fixed deposits from customers.
- Safeguard funds and make them available on demand.
- Credit Provision
- Grant loans, overdrafts, and advances to individuals, businesses, and government.
- Support entrepreneurship and business expansion by providing capital.
- Payment and Settlement Services
- Enable fund transfers, cheque clearing, and electronic payments.
- Provide debit/credit cards, mobile banking, and USSD services.
- Foreign Exchange Transactions
- Facilitate currency exchange for international trade.
- Offer letters of credit and trade financing for importers/exporters.
- Investment Services
- Provide access to treasury bills, bonds, and other financial instruments.
- Help customers grow wealth through savings and investment products.
- Financial Advisory
- Offer guidance on investments, business financing, and financial planning.
- Safekeeping of Valuables
- Provide safe deposit boxes for documents, jewelry, and other valuables.
Broader Economic Functions
- Financial Intermediation: Channel funds from surplus units (depositors) to deficit units (borrowers).
- Economic Growth: Finance infrastructure, agriculture, and industrial projects.
- Employment Creation: By funding businesses, they indirectly generate jobs.
- Government Support: Help in managing public debt and distributing government funds.
List of all Nigeria bank ussd code
Here’s a complete list of major commercial banks in Nigeria and their USSD codes for mobile banking. These codes allow you to transfer money, check balances, buy airtime, and pay bills without internet access.
Access Bank Plc ussd code —- *901#
Alpha Morgan Bank Limited ussd code — *734#
Citibank Nigeria Limited —–
EcoBank ussd code *326#
Fidelity Bank ussd code *770#
First Bank of Nigeria ussd code *894#
First City Monument Bank (FCMB) ussd code *329#
Globus Bank ussd code *989#.
Guaranty Trust Bank (GTBank/GTCO) ussd code *737#
Heritage Bank ussd code *745#
Keystone Bank ussd code *7111#
Nova bank ussd code *682#
Optimus Bank ussd code *930#
Parallex Bank Ltd ussd code *1242#
Premium Trust Bank ussd code *858#
Signature Bank Limited ussd code *647#
Providus Bank Limited ussd code *770#
Polaris Bank ussd code *833#
Stanbic IBTC Bank ussd code *909#
SunTrust Bank Nigeria ussd code *5230#
Sterling Bank ussd code *822#
Titan Trust Bank ussd code *922#
Union Bank ussd code *826#
United Bank for Africa (UBA) ussd code *919#
Unity Bank ussd code *7799#
Wema Bank ussd code *945#
Zenith Bank ussd code *966#
Access Bank USSD Codes – *901#
| Access Bank Transaction | USSD Code |
|---|---|
| Account Opening | *901*0# |
| Balance Enquiry | *901*5# |
| Airtime for self | *901*Amount# |
| Airtime for others | *901*Amount*Phone Number# |
| Data Purchase | *901*8# |
| Fund Transfer to Access Bank | *901*1*Amount*Account Number# |
| Bill Payment | *901*3# |
| Fund Transfer to Other Banks | *901*2*Amount*Account Number# |
| Merchant Payment | *901*3*Amount*Merchant Code# |
| OTP Generation | *901*4*1# |
EcoBank USSD Codes – *326#
| EcoBank Transaction | USSD Code |
|---|---|
| Open Account | *326# |
| Check Balance | *326# |
| Change Pin | *326# |
| Buy Airtime For Self | *326*Amount# |
| Buy Airtime For Others | *326*Amount*Phone Number# |
| Transfer Funds | *326# |
| Deactivate Your Account | *326# |
| Account Statement | *326# |
Fidelity Bank USSD Codes – *770#
| Fidelity Bank Transaction | USSD Code |
|---|---|
| Open Account | *770*01# |
| Check Balance | *770*0# |
| Change Pin | *770*00# |
| Buy Airtime | *770*Amount# |
| Buy Airtime For Others | *770*Phone Number*Amount# |
| Transfer Funds | *770*Destination Account*Amount# |
| Block Card | *770*911# |
| Get Account Number/BVN | *770*5# |
| Cardless Withdrawal | *770*8*Amount# |
| Pay Bills | *770*Biller Code*Amount# |
| Account Blocking | *770*Phone Number# |
| GOTV Payment | *770*1088*Amount# |
First Bank USSD Codes – *894#
| First Bank Transaction | USSD Code |
|---|---|
| Open Account | *894*0# |
| Check Balance | *894*00# |
| Buy Airtime For Self | *894*Amount# |
| Buy Airtime For Others | *894*Amount*Phone Number# |
| Change Pin | *894*0# |
| Transfer Funds | *894*Amount*Account Number# |
| Deactivate Your Account | *894*911# |
| Account Statement | *894*Account Number# |
First City Monument Bank (FCMB) USSD Codes – *329#
| FCMB Transaction | USSD Code |
|---|---|
| Buy Airtime | *329*Amount# |
| Check Account Balance | *329*00# |
| Reset Transaction PIN | *329*0# |
| Buy Airtime For Others | *329*Amount*Mobile number# |
| Transfer Funds | *329*Amount*Account number# |
| Buy Data | *329*1*Mobile Number# |
| Pay For Cable TV | *329*2*Amount*Smartcard Number# |
| Block Debit Card | > Dial *329# > Select self-service > Select block card |
| Block Account | > Dial*329# > Select self-service > Select block account |
| Link BVN | > Dial *329# > Select self-service > Select link BVN > Enter BVN Number |
| Collect Account Statement | > Dial *329# > Select statement > Select full statement > Select duration (you can select up to 6 months). |
| Mini Account Statement | *329# > Select statement > Select mini statement |
| Recharge Prepaid Meter | *329*3*Amount*Meter No# or *329*3*Amount*AccountID# |
| Block FCMB Block Bank Account | *329*911# |
| FCMB Instant Loan Ussd Code | *329*11# |
Guaranty Trust Bank (GTB) USSD Codes – *737#
| Open Account | *737*0# |
| Buy Airtime | *737*Amount# |
| Buy Airtime For Other | *737*Amount*PhoneNo# |
| Buy Data | *737*4# |
| Transfers Funds To GT Bank Accounts | *737*1*Amount*Nuban# |
| Transfers Funds To Other Bank Accounts | *737*2*Amount*Nuban# |
| Fast Track Deposit | *737*48*Amount*Nuban# |
| Cardless Withdrawal | *737*3*Amount# |
| Check Account Balance, Account Number & BVN | *737*6*1# |
| Check Loan Balance | *737*6*2# |
| Check Card Status | *737*6*3# |
| Check Cheque Book Status | *737*6*4# |
| Generate OTP | *737*7# |
| Airtime Advance | *737*8*1 |
| Pay Tithes | *737*32*Amount*Church Code# |
| Pay School fees | *737*31*Amount*School Code# |
| Checkout | *737*35*Amount*Merchant Code# |
| Total Cashout | *737*50*Amount*50# |
| StarTimes Subscription | *737*37*Amount*SmartcardNo# |
| Swift Network Subscription | *737*50*Amount*4# |
| Salary Advance | *737*8*2# |
Stanbic IBTC Bank USSD Codes – *909#
| Open Account | *909*11*1# |
| Balance inquiry | *909*1*1# |
| Transfer Fund To Other Stanbic IBTC Bank Accounts | *909*11*Amount*Account Number# |
| Transfer Fund To Other Bank Accounts | *909*22*Amount*Account Number# |
| Buy Airtime recharge | *909*Amount# |
| Buy Airtime For Other | *909*Amount*phone number# |
Standard Chartered Bank USSD Code – *977#
| Open Account | *977# |
| Check Account Balance | *977*00# |
| Buy Airtime | *977*Amount# |
| Buy Airtime For Others | *977*Amount*Phone Number# |
| Transfer Funds | *977*Amount*Account No# |
| Block Account | *977*911# |
| Buy Data | *977*2# |
| Buy Data For Others | *977*2*Phone Number# |
Sterling Bank USSD Codes – *822#
| Open Account | *822# |
| Check Account Number | *822*8# |
| Check Account Balance | *822*6# |
| Buy Airtime | *822*Amount# |
| Change Pin | *822# |
| Buy Airtime For Others | *822*Amount*Phone Number# |
| Pay Bills [DSTV, NEPA, GOTV, Spectranet…] | *822*2# |
| Transfer Funds | *822*Amount*Account No# |
| Make Payment To Merchants | *822*28*Amount*Merchant Code# |
| Pay Merchants (Mcash) | *822*22*Sellercode*Amount# |
| Manage Your Cards | *822*19# |
| LCC Toll Payment | *822*15# |
| Cardless Withdrawal | *822*42# |
Union Bank USSD Codes – *826#
| Check Balance | *826*4# |
| Buy Airtime | *826*Amount# |
| Buy Airtime For Others | *826*Amount*3rd party mobile No# |
| Transfer Money To Union Bank Accounts | *826*1*Amount*Account No# |
| Transfer Money To Other Bank Accounts | *826*2*Amount*Account no# |
| Cardless Withdrawal | *826*7*amount# |
| Locate A Branch/Union Direct Agent | *826*19# |
| Request A Debit Card | *826*21# |
| Request A Loan | *826*41# |
| Data Purchase | *826*9# |
| Pay Merchants (MCash) | *826*22*merchantcode*amount# |
| Data Capture After Enrolment | *826*3*account no# |
| Card Management (Block And Unblock Card) | *826*21# |
| Limit Increase | *826*8# |
| Block Your Account From Your Phone Number | *826*6# |
| Block Your Account From Other Phone Numbers |
United Bank for Africa (UBA) USSD Codes – *919#
| Create Account | *919*0# |
| Book Airplane Tickets | *919*12# |
| Buy Airtime | *919*amount# |
| Buy Airtime For Others | *919*phone number*amount# |
| Check Account Balance | *919*00# |
| Pay Bills | *919*5# |
| St. Mary’s Hospital Payment | *919*25*amount# |
| Check LCC e-tag balance | *919*16*1# |
| Top-Up LCC e-tag | *919*16*2# |
| Make Konga Payment | *919*15*RefID# |
| DSTV and GOTV Payment | *919*5*2# |
| Taxes and Levies | *919*13# |
| Buy Data | *919*14# |
| Buy Data For Others | *919*14*Phone number# |
| Smile Data Top-up | *919*23# |
| Purchase Event Tickets | *919*7# |
| Generate OTP | *919*8# |
| Block Debit Card | *919*10# |
| Transfer Funds To UBA Bank Accounts | *919*3*account number*amount# |
| Transfer Funds To Other Bank Accounts | *919*4*account number*amount# |
| Transfer using Mobile Number | *919*36# |
| Freeze Online Transactions | |
| Retrieve BVN | |
| Retrieve Bank Statement | *919*21# |
| ARM Pensions | *919*27*1# |
| Oak Pensions | *919*27*2# |
| Load UBA Prepaid Card | *919*32# |
| Click Credit | *919*28# |
| ATM Cardless Withdrawal | *919*30*amount# |
| Baba Ijebu Wallet Funding | *919*26*1# |
| Bet9ja Wallet Funding | *919*22*walletID*amount# |
| Lottomania Wallet Funding | *919*26*2# |
| Betking Wallet Funding | *919*26*amount# |
Read: How to buy Airtime and Data from Ecobank
Unity bank ussd
| Unity Bank Transaction | USSD Code |
|---|---|
| Balance Enquiry | *7799*0# |
| Buy Airtime | *7799*Amount# |
| Buy Airtime For Others | *7799*Phone Number*Amount# |
| Transfer Funds To Unity Bank Accounts | *7799*1*Account Number*Amount# |
| Deactivate USSD Code | *7799*911# |
| Transfer Funds To Other Bank Accounts | *7799*2*Account Number*Amount# |
| BVN Verification | *7799*5# |
| Block Account | *7799*9*Phone Number# |
| Bet9ja Wallet Funding | *7799*403*Bet9ja ID*Amount# |
| USSD On POS | *7799*000*Refid# |
| Cardless Withdrawal | *7799*8*Amount# |
| Pay For DSTV | > DSTV Access – *7799*32*Smart Card Number*1# > DSTV Compact – *7799*32*Smart Card Number*2# > DSTV Compact Plus – *7799*32*Smart Card Number*3# > DSTV Family – *7799*32*Smart Card Number*4# > DSTV Premium – *7799*32*Smart Card Number*5# |
| Pay For GoTV | > Gotv Lite – *7799*33* Smart Card Number*1# > Gotv Max – *7799*33* Smart Card Number*2# > Gotv Plus – *7799*33* Smart Card Number*3# > Gotv Value – *7799*33* Smart Card Number*4# |
| Pay Electricity Bills | *7799*4# > Eko Electricity Prepaid – *7799*4*meter no*amount# > Ikeja Electricity Prepaid – *7799*5*meter no*amount# |
Zenith bank ussd code
| Open Account | *966*0# |
| Check Account Balance | *966*00# |
| Buy Airtime | *966*Amount# |
| Buy Airtime For Others | *966*Amount*Phone Number# |
| Block/Deactivate Account | *966*911# |
| Reset Pin | *966*60# |
| Pay Bills | *966*6*Biller Code*Amount# |
| Transfer Funds | *966*Amount*Account Number# |
| Link BVN | *966*Bvn Number# |
| Deactivate Mobile Banking Profile | *966*20*0# |
| Retrieve Card Pin | *966*60# And Select Option 4 |
| Block Card | *966*60# And Select Option 6 |
| Cardless Withdrawal | *966*60# And Select Option 7 |
| USSD Account To Debit If You Have Multiple Zenith Bank Accounts | *966*60# And Select Option 8 |
| Increase Transaction Limit | *966*60# And Then Select Option To Sign Indemnity. |
| Activate Agent Banking Activities | *966*66# |
| USSD On Pos Transaction | *966*000# |
| Wema Bank Transaction | USSD Code |
|---|---|
| Open A Wema Bank Account | *945*1# |
| Register Account With USSD | *945*01# |
| Check Account Balance | *945*0# |
| Buy Airtime | *945*Amount# |
| Buy Airtime For Others | *945*Phone Number*Amount# |
| Change Transaction PIN | *945*00# |
| Change Primary Account | *945*2*Old Account Number *New Account Number # |
| BVN Management | *945*4# |
| Account Restriction | *945*911# |
| Buy Data | *945*9# |
| Transfer Funds | *945*Account Number*Amount# |
| Wema Bank Quick Loan Code | *945*65# |
| Buy Cable Tv Subscription | *945*10# |
| Buy Dstv Subscription | *945*11# and *945*11*smartcardNO # |
| Buy Gotv Subscription | *945*12# and *945*12*smartcardNO# |
| Buy Startimes Subscription | *945*13# and *945*13*smartcardNO# |
| Buy Internet Subscription | *945*15# |
| Buy Smile Subscription | *945*16# |
| Buy Spectranet Subscription | *945*18# |
| Pay Electricity Bill | *945*24# > Eko Electricity Prepaid – *945*25*meterno*amount# > Ikeja Electricity Prepaid – *945*26*meter number*amount# > Ibadan Electricity Prepaid – *945*27*meter number*amount# >Abuja Electricity Prepaid – *945*28*meter number*amount# > Enugu Electricity Prepaid – *945*29*meter number*amount# > Jos Electricity Prepaid – *945*30*meter number*amount# > Kaduna Electricity Prepaid – *945*31*meter number*amount# > Kano Electricity Prepaid – *945*32*meter number*amount# > Port Harcourt Electricity Prepaid – *945*33*meter number*amount# |
| Check Waec Result | *945*70# |
| Check Jamb Result | *945*71# |
| Lagos State Collection | *945*40# |
| Mcash | *945*57#*945*57*merchantcode*amount# |
| Coral pay | *945*58# and *945*000*REFno# |
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