Last Updated on November 9, 2025 by admin
Most case we try to check our account balance to know the actual amount left after spending or intend to shop. specially when we make payment or when someone send us money .
This is to enable us keep an eyes on how much we have left on our account .Checking your Ecobank account balance is a crucial part of managing your finances effectively.
With various methods available, including mobile banking, internet banking, and ATM inquiries, staying updated on your account status has never been easier.
Understanding how to access this information can help you make informed financial decisions, avoid spending and ensure that you are on top of your budgeting.
In this article, we will explore the different ways to check your Ecobank account balance and highlight the importance of regularly monitoring your finances.
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features and benefit of checking account balance
Checking your account balance regularly offers convenience, control, and protection over your finances. It helps you stay informed, avoid fees, and make smarter money decisions.
Here’s a breakdown of the key features and benefits
Key Features of Checking Account Balance
- Most banks offer real-time balance updates via mobile apps, online banking, or ATMs.
- You can check your balance through mobile apps, text alerts, ATMs, online portals, or by calling customer service.
- View recent deposits, withdrawals, and pending transactions to track your spending.
- Set up balance alerts to notify you when your funds fall below a certain threshold.
Benefits of Checking Your Account Balance
- Regularly monitoring your balance helps prevent spending more than you have
- Knowing your available funds supports smarter budgeting and financial planning
- Spot unauthorized transactions early and report them promptly to your bank
- Encourages mindful spending and saving by making you more aware of your financial behaviour
- Ensures you have enough funds to cover payments
Different ways to check your Ecobank account balance
You can check your Ecobank account balance through USSD, mobile app, online banking, ATM, or customer service. Each method offers convenience depending on your device and location.
Here’s a breakdown of the most effective ways to check your Ecobank account balance in Nigeria:
1. USSD Code (*326#)
- *Dial *326*0# from the phone number linked to your Ecobank account.
- Follow the prompts to view your balance.
- Works on any mobile phone — no internet required.
- Fast, secure, and available 24/7.
2. Ecobank Mobile App
- Download the Ecobank Mobile App from Google Play or Apple App Store.
- Log in with your credentials.
- Your account balance is displayed on the dashboard.
- Offers additional features like transfers, bill payments, and airtime top-up.
3. Ecobank Online Banking
- Visit Ecobank online portal
- Log in to your online banking username and password
- Navigate to your account summary to view your balance.
- Ideal for users who prefer desktop access.
4. ATM
- Insert your Ecobank debit card into any ATM.
- Select “Balance Inquiry” from the menu.
- Your current balance will be displayed.
- Works at Ecobank ATMs and most other banks’ ATMs.
5. Customer Service or Branch Visit
- Call Ecobank customer care on 07005000000 or +2347080653700 or + 23412701323 or Premier Number: 0700PREMIER (07007736437) or Advantage Number: 0700ADVANTAGE (070023268243) or Toll Free 0700PREMIER (07007736437) ecobankenquiries@ecobank.com or visit a branch.
- Provide your account details for verification.
- They’ll assist you in checking your balance.
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Benefits of Monitoring Your Finances
Regularly monitoring your finances is essential for maintaining control, avoiding costly mistakes, and achieving long-term financial goals. It empowers you to make informed decisions and adapt to changes quickly.
Here’s a detailed look at why this habit matters:
Improved Financial Awareness
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- You stay informed about your income, expenses, savings, and debts.
- Helps identify spending patterns and areas where you can cut costs
Fraud Prevention and Security
- Regular checks help you spot unauthorized transactions early.
- Enables swift action to report fraud and protect your accounts
Better Budgeting and Planning
- Knowing your financial status helps you create realistic budgets.
- Supports goal-setting for savings, investments, and debt repayment
Peace of Mind
- Reduces financial stress by giving you a clear picture of your money.
- Encourages proactive rather than reactive financial behaviour
Adaptability to Life Changes
- Helps you adjust your financial plan during job changes, emergencies, or major purchases.
- Keeps you resilient in uncertain economic conditions
How to transfer money from ecobank
You can transfer money from Ecobank using USSD (*326#), the Ecobank Mobile App, Internet Banking, ATM, or by visiting a branch. Each method is designed for convenience, speed, and security.
Here’s a detailed guide to help you choose the best options
1. USSD Transfer – *326#
- Dial *326# from your registered mobile number.
- Select “Transfer” from the menu.
- Choose the recipient’s bank and enter their account number.
- Confirm the amount and authorize with your PIN.
- Works without internet and is available 24/7.
2. Ecobank Mobile App
- Download the Ecobank Mobile App from the Google Play Store or Apple App Store.
- Log in with your username and password.
- Tap “Transfer” → choose “Ecobank” or “Other Banks.”
- Enter recipient details, amount, and confirm with your PIN or biometric.
- Offers real-time confirmation and transaction history.
3. Ecobank Internet Banking
- Visit Ecobank online banking portal
- Log in to your account.
- Navigate to “Transfers” → select transfer type.
- Fill in recipient details and confirm with your token or password.
- Ideal for larger transfers and business use.
4. ATM Transfer
- Insert your Ecobank debit card into any Ecobank ATM.
- Select “Transfer” → choose destination bank.
- Enter account number and amount.
- Confirm and collect your receipt.
5. Branch Transfer
- Visit any Ecobank branch with valid ID.
- Fill out a transfer form.
- The teller will process the transaction for you.
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Frequently Asked Questions
1.Can I check my balance at any ATM?
Yes. Insert your Ecobank debit card into any ATM, select “Balance Inquiry,” and your balance will be displayed. This works at both Ecobank and other bank ATMs.
2. What should I do if my balance is incorrect?
Contact Ecobank customer service or visit a branch to report the issue. Keep a record of recent transactions for reference.
3. Can I receive balance alerts automatically?
Yes. You can set up SMS or email alerts through the mobile app or by visiting a branch to activate this feature.
4. Is it safe to check my balance on public Wi-Fi?
It’s best to avoid public Wi-Fi. Use secure networks or mobile data when accessing your account online or via the app.
5. What if I forget my mobile banking PIN or password?
Use the “Forgot PIN/Password” option on the app or USSD menu, or visit a branch for assistance.
6.Is there a fee for checking my balance via USSD?
Yes, a small network fee apply when using USSD (*326#), depending on your mobile service provider.
