Last Updated on July 29, 2024 by admin
With the introduction of USSD (Unstructured Supplementary Service Data) banking in Nigeria has taken a different shape , you can no longer transfer money, buy Airtime , check account balance and many more financial services from your mobile phone.
The aim of seamless mobile banking is to enable customers to access banking services easily, quickly, and conveniently anytime, anywhere across the globe. Customers can now check their bank account balance, transfer funds, pay bills, etc., without visiting banks.
You only need a mobile phone and a registered phone number on any mobile network. Here are some of the many transactions you can perform easily from your mobile phone with USSD Banking.
Nigerian Banks’ USSD codes list
List of different Nigerian Bank and their respective short USSD CODE
1.Access Bank *901#
2.Ecobank *326#
3.FCMB *329#
4.Fidelity Bank *770#
5.First Bank *894#
6.GTBank *737#
7.Heritage Bank *745#
8.Keystone Bank *7111#
9.Polaris Bank *833#
10.Stanbic IBTC Bank *909#
11.Sterling Bank *822#
12.UBA *919#
13.Union Bank *826#
14.Unity Bank *7799#
15.Wema Bank *945#
16.Zenith Bank *966#
17. Premium Trust Bank *858#
18.Globus Bank Limited *989#
19. Providus Bank
20.Standard Chartered Bank Nigeria *977#
21.Titan Trust Bank *922#
22.SunTrust Bank Nigeria *5230#
Access Bank *901# ussd code
The Access Bank *901# USSD code is a convenient way to perform various banking transactions directly from your phone without needing an internet connection. Here’s what you can do with it:
Banking Services:
- Check Account Balance: Dial *901*00# and follow the prompts.
- Buy Airtime:
- For self: *901*Amount#
- For others: *901*Amount*Phone Number#
- Transfer Money:
- To Access Bank: *901*1*Amount*Account Number#
- To other banks: *901*2*Amount*Account Number#
- Pay Bills: *901*3# and follow the instructions.
- Generate OTP: *901*4*1# to generate a One-Time Password (OTP) for transactions.
- Account Opening: Dial *901*10# to open an Access Bank account instantly.
- Deactivate USSD Profile: Dial* 901*911# if your phone is lost or stolen to prevent unauthorized access.
- Block Account: Dial *901*911# to block your account in case of fraud or unauthorized transactions.
- Reset PIN: *901*5# to reset your transaction PIN.
FCMB’s *329# USSD code
FCMB’s *329# USSD code offers a wide range of banking services that you can access directly from your mobile phone without an internet connection. Here’s a comprehensive list of what you can do:
Account Management:
- Check Account Balance: Dial *329*0#
- Mini Statement: Dial *329# and select “Statement” then “Mini Statement”
- Full Statement: Dial *329# and select “Statement” then “Full Statement” (sent to your registered email)
- BVN Link/Enquiry: Dial *329#, select “Self Service” then “Link/Enquire BVN”
Transfers and Payments:
- Transfers:
- To FCMB: Dial *329*Amount*Account Number#
- To Other Banks: Dial *329*Amount*Account Number# and follow the prompts
- Bill Payments:
- Electricity: *329*3*Amount*Meter No# or *329*3AmountAccountID#
- DSTV/GOTV: *329*2*Amount*SmartcardNo#
- Airtime Recharge: Dial *329*Amount#
Card Management:
- Card PIN Reset: Dial *329# and follow the prompts
Other Services:
- Blocking:
- Account: *329*911# (select 1)
- Mobile Number: *329*911# (select 2)
- Loans:
- Quick loans: *329*11#
- Payday loan: *329*8*Amount#
- Salary Plus loan: *329*10#
- Flexx Loan: *329*26#
- Register/Deregister:
- Register: Dial *329# and follow the prompts
- Deregister: Dial *329*911#
Zenith Bank ussd
Zenith Bank offers a wide array of services through its *966# EazyBanking USSD code. Here’s a comprehensive list:
Account Services:
- Check Balance:
*966*00# - Open Account:
*966*0# - Generate Token:
*966*60#
Transfers & Payments:
- Transfer to Zenith Accounts:
*966*Amount*Account Number# - Transfer to Other Banks:
*966*Amount*Account Number#(Follow prompts) - Pay Bills:
*966*7*Biller Code*Amount*Customer ID#(For some bills) - Pay Bills (Quickteller):
*966*6*Biller Code*Amount#
Airtime & Data:
- Airtime Self:
*966*Amount# - Airtime Others:
*966*Amount*Phone Number# - Data Purchase:
*966*7*Data Code#(Check Zenith Bank website/app for codes)
Card Services:
- Block Card:
*966*911# - Reset Card PIN:
*966*6*2#(Follow the prompts)
Loans:
- EazyLoan:
*966*11#
Other Services:
- BVN:
*565*0# - Update BVN:
*966*BVN# - Reset PIN:
*966*6*3#(Follow the prompts) - Deactivate Service:
*966*911#
WEMA Bank ussd
Wema Bank offers a wide array of services through its USSD code *945#.
Account Management:
- Account Balance:
*945*0# - Open Account:
*945*1# - Reactivate Account:
*945*2# - Change Account Officer:
*945*2*Old Account Number*New Account Number# - Block Account:
*945*3# - BVN Management:
*945*5#
Airtime, Data & Transfers:
- Airtime Purchase (Self):
*945*Amount# - Airtime Purchase (Others):
*945*Amount*Recipient's Number# - Data Purchase (Self):
*945*Data code# - Data Purchase (Others):
*945*Data code*Recipient's Number# - Transfer (Intrabank):
*945*Account Number*Amount# - Transfer (Interbank):
*945*Bank code*Account Number*Amount#
Loans:
- ALAT Loan Request:
*945*10#
Bill Payments:
- Cable TV:
*945*Cable TV code*Smartcard/IUC Number*Amount# - Internet Service:
*945*Internet Service Code*Customer ID*Amount# - Electricity Bill:
*945*Electricity Code*Meter Number*Amount# - Others:
*945*3#(then follow the prompts)
Additional Services:
- School & Exam Payments:
*945*9# - State Collections:
*945*8# - Cardless Transactions (Mobile Cash):
*945*6# - Deactivate USSD Profile:
*945*911#
Unity Bank ussd
Unity Bank offers a wide array of services through its USSD codes, primarily *7799# and 3229# for airtime recharge. Here’s a comprehensive list:
Account Services:
- Check Account Balance:
*7799*00# - Open Account:
*7799*0# - Mini Statement:
*7799*1# - BVN Enquiry:
*7799*6#or*565*0# - Link BVN:
*7799*6*1#
Transfers & Payments:
- Transfer to Unity Bank Account:
*7799*1*Account Number*Amount# - Transfer to Other Banks:
*7799*2*Account Number*Amount# - Pay Bills:
*7799*3#(then follow prompts for specific billers) - Pay with Prepaid Card (PayAttitude):
*7799*8#
Airtime & Data:
- Buy Airtime (Self):
*7799*Amount#or*322*9*Amount# - Buy Airtime (Others):
*7799*Amount*Phone Number#or*322*9*Phone Number*Amount# - Buy Data (Own Line):
*7799*5#(then follow prompts for network and plan) - Buy Data (Any Line):
*7799*5*Phone Number#(then follow prompts)
Other Services:
- Change/Reset PIN:
*7799*0# - Generate OTP:
*7799*7# - Block Debit Card:
*7799*4# - Check Card Status:
*7799*4*1# - Reactivate Card:
*7799*4*2# - Hotlist Card:
*7799*4*3# - Link Debit Card:
*7799*4*4#
Specific Bill Payments & Service Providers:
- Bet9ja Wallet Funding:
*7799*403*Bet9ja ID*amount# - DSTV/GOTV:
*7799*32/33*Smartcard Number*Package Number# - Electricity (Eko/Ikeja):
*7799*4/5*Meter Number*Amount# - WAEC PIN:
*7799*9*1# - JAMB PIN:
*7799*9*2#
United Bank For Africa ussd
United Bank for Africa (UBA) offers a wide range of services through its *919# USSD code. Here’s a comprehensive list:
- Check Account Balance:
*919*00# - Open Account:
*919#and follow the prompts. - Link BVN:
*919*0#and follow the prompts. - Mini Statement:
*919*0#then select ‘Mini Statement’
Transfers & Payments:
- Transfer to UBA Accounts:
*919*3*Account Number*Amount# - Transfer to Other Banks:
*919*4*Account Number*Amount# - Pay Bills (Airtime, Data, Cable TV, etc.):
*919*3*Biller Code*Amount#or*919*30*Biller Code*Amount# - Send Money to Mobile Phone (Magic Cash):
*919*3*Amount*Phone Number# - Send Money to other financial institutions (Microfinance, online banks, etc):
*919*6#
Loans:
- Click Credit:
*919*358#
Card Management:
- Block ATM Card:
*919*10# - Cardless Withdrawal:
*919*30*Amount#
Other Services:
- Generate OTP:
*919*7# - Manage Beneficiaries:
*919*5# - Magic Banking Menu:
*919#
Union Bank of Nigeria ussd
Union Bank of Nigeria offers a wide array of services through its primary USSD code *826#.
Account Services:
- Check Account Balance:
*826*4# - Open Account:
*826*0# - Mini Statement:
*826*5# - BVN Enquiry:
*826*6*1# - Link BVN:
*826*6*1#
Transfers & Payments:
- Transfer Funds (Union to Union):
*826*1*Amount*Account Number# - Transfer Funds (Union to Other Banks):
*826*2*Amount*Account Number# - Pay Bills:
*826*3*Biller Code*CustomerID*Amount# - Pay with Prepaid Card (PayAttitude):
*826*8# - Send Money to Mobile Phone (Magic Cash):
*826*3#(then follow prompts) - Send Money to Other Financial Institutions:
*826*2#(then follow prompts)
Airtime & Data:
- Buy Airtime (Self):
*826*Amount# - Buy Airtime (Others):
*826*Amount*Phone Number# - Buy Data (Self):
*826*9*1# - Buy Data (Others):
*826*9*2#
Cardless Withdrawal:
- Withdraw Cash:
*826*7*Amount#
Other Services:
- Block Account (Temporarily):
*826*6# - Reactivate Account (After Temporary Block):
*826*7# - Change PIN:
*826*5*0# - Deactivate USSD Profile:
*826*911# - Self Service Menu:
*826*8#
Sterling Bank ussd
Sterling Bank offers a wide range of services through its USSD code *822#. Here’s a comprehensive list:
- Check Account Balance:
*822*6# - Open Account:
*822*7# - Mini Statement:
*822*8# - Link BVN:
*822*5#
Transfers & Payments:
- Transfer to Sterling Account:
*822*Amount*Account Number# - Transfer to Other Banks:
*822*Amount*Account Number#(Follow prompts to select the receiving bank) - Pay Bills:
*822*3# - Pay with Masterpass:
*822*7# - Pay Merchant (using 822):
- Sterling registered merchants:
*822*28*Amount*MerchantCode# - CoralPay registered merchants:
*822*000*RefNo#
- Sterling registered merchants:
Airtime & Data:
- Airtime Self:
*822*Amount# - Airtime Others:
*822*Amount*Phone Number# - Buy Data:
*822*9#
Card Services:
- Cardless Withdrawal:
*822*42# - Card Management:
- Change PIN:
*822*19# - Activate Card:
*822*19# - Disable/Enable Channel/Country:
*822*19# - Block Card:
*822*4#
- Change PIN:
Other Services:
- Micro-credit/Specta Loan:
*822*724# - Self-Service:
*822*1# - Stop Cheque:
*822*4# - Target Savings:
*822*10# - Deactivate USSD Profile:
*822*911#
Stanbic IBTC Bank ussd
Stanbic IBTC Bank offers a wide array of services through its USSD codes, with the primary one being *909#.
Here’s a comprehensive list:
Transfers:
-
- To Stanbic IBTC accounts:
*909*1*1*Account Number*Amount# - To other banks:
*909*1*2*Account Number*Amount#
- To Stanbic IBTC accounts:
- Airtime Top-up (Self):
*909*8*1*Amount# - Airtime Top-up (Others):
*909*8*2*Phone Number*Amount# - Data Purchase:
*909*8#(then follow the prompts) - Check Balance:
*909*1*1# - Open Account:
*909*5# - My Bank Menu:
*909*1#
Other Services:
- Cardless Withdrawal (EZ Cash):
*909*44# - @ease Wallet Services:
*909*9# - Quick Loans:
*909*11*1#(for registered mobile number)
Polaris Bank ussd
Polaris Bank offers a wide range of services through its USSD code *833#. Here’s a comprehensive list:
Account Services:
- Check Account Balance:
*833*6# - Open Account:
*833*1#
Transfers & Payments:
- Transfer Funds (Polaris to Polaris):
*833*Amount*Account Number#or dial*833#then select “3” - Transfer Funds (Polaris to Other Banks):
*833*Amount*Account Number#or dial*833#then select “3” - Pay Bills:
*833*2# - Pay with Masterpass:
*833*7#
Airtime Top-up:
- Self:
*833*Amount# - Others:
*833*Amount*Phone Number#
Other Services:
- Hotlist Card:
*833*4# - BVN Update:
*833*5#
Bill Payments:
- DSTV/GOTV Subscription:
*833*2#then follow the prompts - Electricity Bills:
*833*2#then follow the prompts - Bet9ja Wallet Funding:
*833*2#then follow the prompts
Keystone Bank ussd
Keystone Bank offers a variety of services through its USSD code, *7111#. Here’s a comprehensive list:
Account Services:
- Check Account Balance:
*7111*00# - Open Account:
*7111*0# - Mini Statement:
*7111*1# - BVN Enquiry:
*7111*6#or*565*0# - Full Statement Request:
*7111*1*2#(Sent to registered email) - Link BVN:
*7111*6*1#
Transfers & Payments:
- Transfer to Keystone Bank Account:
*7111*Amount*Account Number# - Transfer to Other Banks:
*7111*2*Amount*Account Number# - Pay Bills:
*7111*3*Biller Code*CustomerID*Amount# - Pay with Prepaid Card (PayAttitude):
*7111*8#
Airtime & Data:
- Buy Airtime (Self):
*7111*Amount# - Buy Airtime (Others):
*77111*Amount*Phone Number# - Purchase Data (Self & Others):
*7111*5#
Card Services:
- Block/Unblock Card:
*7111*4# - Change PIN:
*7111*4#(and follow the prompts) - Hotlist Card: Call Keystone Bank Contact Centre
Other Services:
- Reset/Generate PIN:
*7111*0# - Generate OTP:
*7111*7# - Borrow Airtime (KeyLoan):
*7111*10#
Specific Bill Payments & Service Providers:
- DSTV/GOTV:
*7111*3*DSTV/GOTV Code*Smartcard Number*Amount# - Spectranet:
*7111*3*77*CustomerID*Amount# - Smile:
*7111*3*95*CustomerID*Amount# - Electricity (Eko/Ikeja):
*7111*3*1/2*Meter Number*Amount# - WAEC PIN:
*7111*9*1# - JAMB PIN:
*7111*9*2#
Guaranty Trust Bank ussd
Guaranty Trust Bank (GTBank) offers a wide range of services through its *737# USSD code.
Account Management:
- Check Account Balance:
*737*6*1# - Open an Account:
*737*0# - Generate Token Code:
*737*7#
Transfers & Payments:
- Transfer to GTBank Account:
*737*1*Amount*Account Number# - Transfer to Other Banks:
*737*2*Amount*Account Number# - Pay Bills:
*737*Bill Code*Amount*Customer ID#(For some bills) - Pay Bills (Quickteller):
*737*32*Amount*MerchantCode# - Buy Airtime (Self):
*737*Amount# - Buy Airtime (Others):
*737*Amount*Phone Number# - Buy Data (Self):
*737*4#
Cardless Withdrawal:
- Cardless Withdrawal:
*737*4#
Loan Services:
- Quick Credit:
*737*51*51# - Salary Advance:
*737*8*2#
Self Service:
- Reset/Change 737 PIN:
*737*5# - Update BVN:
*737*20*BVN# - Manage Debit Card (Block/Hotlist):
*737*5#, then select the option for Card Management.
Other Services:
- Donations:
*737*32*Amount*Recipient Code# - Create/Reset PIN (No Debit Card):
*737*10*2#
First Bank Nigeria ussd
First Bank of Nigeria offers a wide range of services through its *894# USSD code. Here’s a comprehensive list:
Quick Banking Services (for FirstBank Account Holders):
- Check Account Balance: Dial *894*00#
- Mini Statement: Dial *894*Account Number#
- Airtime Recharge (Self): Dial *894*Amount#
- Airtime Recharge (Others): Dial 894Amount*Phone Number#
- Data Purchase (Self): Dial *894*2#
- Data Purchase (Others): Dial *894*2*Phone Number#
- Transfer to FirstBank Account: Dial *894*Amount*Account Number#
- Transfer to Other Banks: Dial*894*Amount*Account Number# (Follow prompts to select the receiving bank)
- Pay Bills (Quickteller): Dial *894*3#
Additional Services:
- *Register for 894# Banking: Dial *894*0#
- BVN Enquiry: Dial 894BVN#
- BVN Linkage: Dial *894*0# and follow the prompts
- Account Opening: Dial *894# and follow the prompts.
- FirstAdvance Loan Service: Dial *894*11# (for salary earners)
- Reset/Generate PIN: Dial *894*0#
- Deactivate Service: Dial *894*911#
- Block Debit Card: Dial *894*911#
- Merchant Payment: Dial *894*Merchant Code*Amount#
- USSD Retail Payment: Dial *894*99# (for receiving payments)
Fidelity Bank ussd
Fidelity Bank offers a variety of services through its *770# USSD code. Here’s a comprehensive list:
Account Services:
- Check Account Balance: Dial *770*0#
- Mini Statement: Dial *770*Account Number#
- Full Statement Request: Dial *770*1*2# (Sent to registered email)
- Open Account: Dial *770# and follow the prompts
Transfers & Payments:
- Transfer to Fidelity Bank Account: Dial *770*Account Number*Amount#
- Transfer to Other Banks: Dial *770*Account Number*Amount# and follow the prompts to select the receiving bank.
- Pay Bills: Dial *770*Biller Code*Amount# (You will need the specific merchant code for the biller)
- Pay with Prepaid Card (PayAttitude): Dial *770*8#
Airtime & Data:
- Airtime Recharge (Self): Dial *770*Amount#
- Airtime Recharge (Others): Dial *770*Amount*Phone Number#
- Purchase Data (Self): Dial *770*Data Code#
- Purchase Data (Others): Dial *770*Data Code*Phone Number#
Other Services:
- Card Management:
- Block Card: Dial *770*911#
- Reset Card PIN: Dial *770*5#
- Loan Services:
- Fidelity Personal Loan: Dial*770*08#.
- Fast Loan: Dial *770*08#.
- Payday Loan: Dial *770*08#.
- Fidelity Personal Loan: Dial*770*08#.
- Reset/Generate PIN: Dial *770*0#
- Deactivate USSD Profile: Dial *770*Phone Number#
- Generate OTP: Dial *770*4#
- BVN Link: Dial *770*BVN#
- FX Rate Request: Dial *770*3#
- Open Savings Account: Dial *770*0#
Ecobank Nigeria ussd
Ecobank Nigeria offers a variety of services through its USSD code *326#. Here’s a comprehensive list:
Account Services:
- Check Account Balance:
*326*0# - Open Account:
*326#then select ‘1’ - Get Mini Statement:
*326*Balance# - Link Your Account:
*326#then select ‘3’
Funds Transfer:
- Transfer to Ecobank Accounts:
*326*1*Amount*Account Number# - Transfer to Other Banks:
*326*2*Amount*Account Number# - Repeat a Transfer:
*326*3#
Airtime & Data:
- Airtime Self:
*326*Amount# - Airtime Others:
*326*Amount*Phone Number# - Buy Data (Own Line):
*326*Data code# - Buy Data (Any Line):
*326*1*Mobile Number#
Bill Payments:
- Pay Bills:
*326*3*Biller Code*Customer ID# - Pay Merchant (using EcobankPay): Scan QR code on merchant’s phone
Card Management:
- Block Card:
*326*911# - Reset Card PIN:
*326*4#(and follow the prompts)
Xpress Services:
- Xpress Cash:
*326*7# - Xpress Loan:
*326*10# - Xpress Save:
*326*5#
Other Services:
- Change PIN/Update Number:
*326*4# - Self-Service Menu:
*326#then select ‘4’
Additional Information:
- Bank Verification Number (BVN) Enquiry:
*565*0#(This is a general code for Nigerian banks).
![How to register for First National Bank [South Africa]Cellphone Banking : Buy airtime, transfer money, check account balance](https://etimes.com.ng/wp-content/uploads/2020/06/First-National-Bank-South-AfricaCellphon-banking.jpg.webp)
